My Account | Passwords | Security
| Online Internet Agreement
This page explains the terms and conditions for using our Online
Banking Service and provides certain disclosures and information
to you concerning the service. Each of your accounts at Kamiah Community
Credit Union is also governed by the applicable account disclosure/agreement
and Truth in Savings disclosure you received when you opened your
savings and/or share draft account.
If you don't already have your online services PIN, please contact
a member service representative at one of our branches to get your
online services application. With your PIN you will be able to access
your account information, transfer funds, order share drafts, apply
for a loan, etc. at your convenience, not just when we are open,
By using CU Online, you agree to the terms and conditions of the
CU Online Agreement.
(link to agreement)
How to Access Your Accounts:
To access your account through our Online Banking service, you
must have your account number and an Online Banking password. This
information is requested when you enter our Online Banking pages.
The password that is used to gain access to your information should
be kept confidential, just as you would keep other PIN number and
security codes confidential. It is your responsibility to keep your
password, account number and other account data confidential. It
is recommended that you memorize your password and do not write
it down. If you believe that your password may have been compromised,
or that someone has transferred or may transfer money between your
accounts without your permission, notify Kamiah Community Credit
Union at once at (208) 935-0277.
You 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 Online
Banking service, visit the Credit Union, or call us at (208) 935-0277.
To get an initial password for the Online Banking service, visit
the Credit Union or call us at (208) 935-0277.
Currently there is no fee for accessing your account (s) through
our Online Banking service. We reserve the right to impose/change
the fee amount, if necessary, after providing 30 days notice to
all users at the Online Banking login page and/or your E-Mail address.
When Online Bill Payment is available there will be a minimal charge
if you choose to sign up for the service.
Your Internet service provider (ISP) probably charges you a fee
to access the Internet via its server. We have no control over ISP
Available 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 affect your account. If there
are no communication or computer problems transfers made before
11:00 AM generally will be posted by 12:00 PM and transfers made
after 11:00 AM generally will be posted by 5:00 PM.
Account Balances & Transaction History: You may view
your share and loan account balances and transaction histories.
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 posted against your balance, or other electronic
items such as debit card or ACH transactions that have not yet been
presented to the Credit Union for payment.
Password Changes: If you are an Online Banking user you
may change your password at any time from within the Online Banking
section. For your protection we recommend that you change your password
Share Draft Orders: You may reorder share drafts and/or
view and order new styles available through the Credit Union. We
will not process share draft order requests if you do not have a
share draft 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 draft available will vary but dates will
go back, at a minimum, to your last regular statement date.
Additional Services: From time to time we will announce
additional services that are available through our Online Banking
service. Your use of these services will constitute acceptance of
the terms and conditions presented at the time they are announced.
Business Day: Our business days are Monday through Friday.
Holidays are not included.
Operating Systems and Security:
Our Online Banking site is designed to operate using world wide
web technologies and protocols which are adaptable to a wide range
of systems. The Online Banking sections 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 users' browser.
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 Online 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
Online Banking section. Until it times out, you can come back to
our Online Banking without logging back 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 as 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. This is especially
important if you are using a public or shared computer.
Errors and Questions:
In case of errors or questions about your electronic transfers,
telephone us at (208) 935-0277 or write us at P.O. Box 68, Kamiah,
ID 83536 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
- Your name and account number
- 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 with 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 business
days. If we ask you to put your complaint 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,
please call us at the telephone number shown above.
Liability for Unauthorized Transfers:
Tell us AT ONCE if you believe your password has been compromised.
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 permission.
Also, if your statement shows transfers that you did not make,
tell us at once. If you do not tell us with 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
All transactions generated by you through our Online Banking service
and any Online Banking fees will appear on your monthly or quarterly
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, for instance:
If, through no fault of ours, you do not have enough money in your
account to make the transfer;
If the Online 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 Online 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, with limitation, any warranties of fitness for a particular
purpose or warranties of merchantability.