Sign up for Home Banking
You must currently be a member of this credit union to sign up for home banking, please enter your information below.
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If Home Banking is activated for your account(s) you will be required to use secure login information to access the account(s). At the present time, you may use Home Banking to: • Transfer funds from your share and share draft accounts • Obtain balance information for your share, share draft, loan and certificate accounts. • Make loan payments from your share and share draft accounts. • Make loan payments from another FI using electronic payments. See section on EPay Disclosure Agreement. • Make bill payments to preauthorized creditors. Your accounts can be accessed under Home Banking via personal computer. Home Banking will be available for your convenience 24 hours per day. This service may be interrupted for a short time each day for data processing. We reserve the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. We may set other limits on the amount of any transaction, and you will be notified of those limits. We may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction and there may be limits on the duration of each access. The following limitations on Home Banking transactions may apply: • There is no limit to the number of inquiries, transfers or withdrawal request you may make in any one (1) day. • See Section Transfer Limitations that may apply to these transactions. Transfer Limitations: For all share accounts, you may make no more than six (6) transfers and withdrawals from your account to another account of yours or to a third party in any month by means of preauthorized, automatic, or internet transfer, by telephonic order or instruction or by check, draft, debit card or similar order. If you exceed these limitations, your account may be subject to a fee or be closed. EPay Disclosure Agreement: 1. Member Agreement: You hereby authorize Southwest Oklahoma FCU to initiate debit and credit card entries and to initiate, if necessary, credit entries and adjustments for any debit entries in error to your account the financial institution or credit card in which you indicated credit and/or debit of the same such account. Your account at your other financial institution or your credit card will be debited and funds will be credit to your SWOFCU loan. You acknowledge that it is your responsibility to ensure that sufficient funds are available in your account at your other financial institution or that you have an available balance on the credit card on the date for which your electronic payment is scheduled. In the event that funds are not available and the entry is either returned or charged back, SWOFCU will reverse the payment. You understand that this agreement is subject to cancellation in the event we receive returned items from your financial institution or charge backs from your credit card issuer. 2. Fees Charged: Fees may be charged on top of your scheduled payments. A non-refundable convenience fee of $4.95 will be charged for the Debit Card and eCheck options and 2.95% of the payment amount for Credit Cards. These fees will be disclosed immediately upon you scheduling/making the payments. There is a $27.50 fee for any payment returned by your other financial institution or credit card processor. Your payment will be reversed which could result in a late fee being charged to your loan account. Other fees may apply for research or Notification of Change (NOC’s). 3. Payment Limitations: You may initiate payments up to $3,000.00 per business day per electronic payment using this service. The minimum payment you may initiate is $5.00. 4. Processing Schedule: Payments are not considered final until they have been processed by SWOFCU. Payments will be applied on the business day it was received. Be aware that this may take up to 3 business days to reflect on your account at your other financial institution or on your credit card account depending on processing times and business day cut off times. Business days are Monday through Friday, except for federal holidays. Billing Errors: In case of errors or questions about electronic fund transfers from your share and share draft accounts or if you need information about a transfer on a statement or receipt, telephone us at the following number, email us or send us a written notice to the following address as soon as you can. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem appears. Call us at: Phone: (580)353-0490 (866)353-0490 Email: memberserv@swofcu.com or write to: SWOFCU 1806 NW Liberty Ave Lawton, OK 73507 Fax: (580-357-7904 • Tell us your name and account number • Describe the electronic transfer you are unsure about and explain, as clearly as you can, why you believe the Credit Union has made an error or why you need more information • Tell us the dollar amount of the suspected error. If you tell us verbally, we may require that you send us your complaint or question in writing within ten (10) business days. We will determine whether an error has occurred with ten (10)* business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45** days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10)* business days for the amount you think is in error so that you will have the use of the money during the time it takes us to complete our investigation. 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. We will tell you the results with three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. *If you give notice of an error within 30 days after you make the first deposit to your account, we will have 20 business days instead of ten (10) business days to investigate the error. **If you give notice of an error within 30 days after you make the first deposit to your account, notice of an error involving a point-of-sale (POS) transaction, or notice of an error involving a transaction initiated outside the U.S. its possessions and territories, we will have 90 days instead of 45 days to investigate the error. Note: If the error you assert is an unauthorized Visa transaction, other than a cash disbursement at an ATM, we will credit your account within five (5) business days unless we determine that the circumstances or your account history warrant a delay, in which case you will receive credit with ten (10) business days. Business days are Monday through Friday, except for federal holidays.