page explains the terms and conditions for using our E-Banking Service
and provides certain disclosures and information to you concerning the
service. Each of your accounts at Quad Cities Postal Credit Union is also
governed by the applicable account disclosure/agreement and Truth In
Savings disclosure you received when you opened your account.
To Access Your Accounts:
To access your accounts through our E-Banking service, you must have your
account number and an E-Banking password. This information is requested
when you enter our E-Banking pages.
password that is used to gain access to your information should be kept
confidential, just as you would keep other PIN numbers and security codes
confidential. For your protection we recommend that you change your
E-Banking access password regularly. It is recommended that you memorize
this password and do not write it down. You are responsible for keeping
your password, account numbers and other account data confidential. If
you believe that your password may have been lost or stolen, or that
someone has transferred or may transfer money between your accounts
without your permission, notify Quad Cities Postal Credit Union at once
at (309) 797-1414.
cannot use E-mail to initiate transactions, change information or inquire
on your account (s). We will not respond to these types of requests via
E-mail since we cannot be certain we are corresponding with you. Please
use the appropriate functions within our E-Banking service, call (309)
797-1414 or visit the credit union for these functions.
an initial password for the E-Banking service, visit the credit union
office or call us at (309) 797-1414.
There is currently no fee for accessing your account(s) through our
E-Banking service. We reserve the right impose / change the fee amount,
if necessary, after providing 30 days notice to all users at the
E-Banking login page and/or e-mail address.
Internet service provider (ISP) probably charges you a fee to access the
Internet via its server. We have no control over ISP related fees.
Services and Limitations: The following functions may be performed by
members through the service:
- Transfers: You may transfer funds
between your Share or Loan Accounts as the account agreements may
allow. Transfers done through the service DO NOT immediately charge
or credit your account. TRANSFERS WILL BE EFFECTIVE BY THE NEXT
BUSINESS DAY AFTER THE DATE OF SUCH TRANSACTION but may occur
- Account Balances: You may view your share
and loan account balances. Because the main credit union computer
system is not connected to the Internet, it is possible that some
transactions that affect these balances, and have been processed by
the credit union, are not yet included in the balance at the time
you view it. In addition, there may be drafts written against your
balance, or other electronic items such as debit card transactions,
that have not yet been presented to the credit union for payment.
- Transaction history: You may view the
transaction history for any loan or share account. Because the main
credit union computer system is not connected to the Internet, it is
possible that some transactions are not yet included in the history
at the time you view it even though they may have been processed by
the credit union. The main credit union computer system is always
the official record of account history. The E-Banking service may be
updated several times per day for your convenience in viewing
- Password Changes: If you are an E-Banking
user, you may change your password at any time from within the
E-Banking section. For your protection we recommend that you change
your E-Banking password regularly.
- Check orders: You may reorder checks
and/or view and order new check styles available through the credit
union. We will not process check order requests if you do not have a
checking account at the credit union.
- Check search: You may search for
drafts that have cleared your account. You may also list clearings
by date cleared or by check number. The oldest check available will
vary but dates will go back, at a minimum, to your last regular
- Additional Services: From time to time, we
will announce additional services which are available through our
E-Banking. Your use of these services will constitute acceptance of
the terms and conditions presented at the time they are announced.
We reserve the right to limit access or cancel on-line access at any
Our business days are Monday through Friday. Holidays are not included.
Systems and Security:
Our E-Banking site is designed to operate using world wide web
technologies and protocols which are adaptable to a wide range of
systems. The E-Banking section uses SSL encryption and requires a browser
with a current (unexpired) Thawte Root CA Security Certificate. Some older
browsers may not be able to connect to the site without first updating
the browser security certificate. Our server uses 40 to 128 bit
encryption, depending on the user's browser.
E-Banking section. Some browsers allow you to reject cookies from
servers. If you don't allow us to set a cookie upon entering the site,
you will not be able to log in. The cookie we set contains information we
need for security, and allows us to 'time out' your authority to view
information. We place the cookie with instructions that it can only be
sent to a server in our E-Banking domain (homecu.net). A cookie cannot be
used to extract data from your PC. We do not store your Access Code, User
Id or Password in your cookie.
The cookie we set will 'time out' your
access authority to our E-Banking section. Until it times out, you can
come back to our E-Banking without logging in. After the time out period,
you will need to log in again. Remember, most browsers will let you use a
BACK button to view previously visited documents, even if your viewing
authority has expired. For this reason, the only way to keep others from
viewing your account balance is to exit the browser when you are finished
with your session. The best way is to completely close out of the
Internet entirely, so the next person to get on will have to start with a
new connection and a new browser. This is especially important if you are
using a public or shared computer.
Our E-Banking database is a private system operated for the exclusive use
of our members. We use SSL encryption and digital server authentication
to insure the privacy of your information when sending data between our
E-Banking server and your PC.
All E-Banking logins are logged by the
server. For authenticated members who use E-Banking , we collect and
store certain information such as how often you visit the E-Banking
section, dates and times of visits and which pages are being used. We use
this information for internal review and product evaluation only. We
never sell, transfer or trade this information unless we are compelled to
do so by law.
We may gather and store additional
information available to us on failed login attempts and other activity
we consider a threat to our system. In these cases, we will share this
information with other companies, agencies and law enforcement officials
as we determine necessary or as we are required by law.
Tell us AT ONCE if you believe your password has been lost or stolen and
immediately change your password from within the E-Banking section.
Calling is the best way to notify us immediately. You could lose all the
money in your account. If you tell us within two (2) business days, you
can lose no more than $50 if someone used your password without your
Also, if your statement shows transfers
that you did not make, tell us at once. If you do not tell us within
sixty (60) days after the statement was mailed to you, you may not get
back any money you lost after the sixty (60) days if we can prove that we
could have stopped someone from taking the money if you had told us in
If a good reason kept you from telling
us, we will extend the time periods.
If you believe your password has been
lost or stolen or that someone has transferred or may transfer money from
your account without your permission, call:
Quad Cities Postal Credit Union
4502 27th Street, Moline, IL 61265-6311
All transactions generated by you through our E-Banking service and any
E-Banking fees will appear on your monthly or quarterly statement.
If we do not complete a transfer to or from your account on time or in
the correct amount according to our agreement/disclosure with you, we will
be liable for your losses or damages. However, there are some exceptions.
We will not be liable, for instance:
- If, through no fault of
ours, you do not have enough money in your account to make the
- If the E-Banking
equipment or software was not working properly and you knew about
the breakdown when you started the transfer; If circumstances beyond
our control (such as fire, flood or power failure) prevent the
transfer despite reasonable precautions that we have taken.
We shall not be responsible for any
other loss, damage or injury whether caused by the equipment, software
and/or the E-Banking service, nor shall we be responsible for any direct,
indirect, special or consequential damages arising in any way out of the
installation, use or maintenance of your equipment, software and/or
service, except where the law requires a different standard. We do not
make any warranties concerning the equipment, the software or any part
thereof, including, without limitations, any warranties of fitness for a
particular purpose or warranties of merchantability.
In case of errors or questions about
your electronic transfers, telephone us at (309) 797-1414 or write us at
4502 27th Street, Moline, IL 61265-6311 as soon as you can. We must hear
from you no later than sixty (60) days after you learn of the error. You
will need to tell us:
- Your name and account
- Why you believe there is
an error and the dollar amount involved
- Approximately when the
error took place.
If you tell us orally, we may require
that you send us your complaint or question in writing within ten (10)
business days. We will tell you the results of our investigation within
ten (10) business days and correct any error promptly. If we need more time,
we may take up to forty-five (45) days to investigate the complaint, but
you will have the use of the funds in question after the ten (10)
business days. If we ask you to put your complaint or question in writing
and we do not receive it within ten (10) business days, we may not credit
your account during the investigation.
We will notify you with the results
within three (3) business days of completing our investigation. If we
decide there was no error, we will send you a written explanation. You
may request copies of the documents that we used in our investigation.
If you need more information about our
error resolution procedures, call us at the telephone number shown above.