eHawthorne Agreement & Disclosure

 

This Agreement between you and Hawthorne Credit Union ("we" or "us") contains the terms, conditions and disclosures for Hawthorne Credit Union's eHawthorne Home Banking Services for which you have applied. eHawthorne operates through your deposit accounts, loans, lines of credit and credit cards with us, and you are subject to the rules and regulations governing the general use of those accounts. If you use these services to borrow from an existing line of credit you have with us, any borrowing will be made under the terms previously disclosed to you.

You will need to use certain types of computers, obtain an internet account, and use compliant browser software to use our eHawthorne. The installation, maintenance, and operation of those items are your responsibility. We are not responsible for any errors or failures of your computer equipment or internet connection software. eHawthorne can be used at any time day or night. However, certain computer maintenance or malfunctions may make it unavailable at times.

In this Agreement, the words "you" and "yours" mean those who sign the application or account card as applicants, joint owners, or any authorized users. The words "we," "us," and "our" mean the Credit Union. The word "account" means any one or more Share/savings and checking accounts you have with the Credit Union. Electronic funds transfers are electronically initiated transfers of money from your account through the electronic funds transfer services described below. By signing an application or account card for EFT services, or using any service, each of you, jointly and severally, agree to the terms and conditions in this Agreement and any amendments for the EFT services offered.

  1. EFT Services. If approved, you may conduct any one for more of the EFT services offered by the Credit Union.

    1. eHawthorne Electronic/PC EFTs. If we approve the eHawthorne electronic/ PC access service for your accounts, a separate, temporary, PIN (Personal Identification Number) / Password will be assigned to you, which you will be forced to change before you will be permitted to continue using eHawthorne. You must use your PIN (Personal Identification Number) /Password along with your account number to access your accounts. The Personal Identification Number ("PIN") is provided for your use and protection, and you agree to: (a) not disclose the PIN or otherwise make it available to anyone else; (b) use the PIN as instructed; (c) promptly notify us of any loss or theft of the PIN; and (d) be liable for the PIN and for its authorized use. At the present time, you may use the eHawthorne access service to:

      • Withdraw funds from your Share/savings and checking accounts

      • Transfer funds from your Share/savings and / checking accounts

      • Obtain balance information for your Share/savings and checking accounts

      • Make loan payments from your Share/savings and checking accounts

      • Access your Line of Credit account.

Your accounts can be accessed under the eHawthorne electronic/PC access service via personal computer. eHawthorne service 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. All checks are payable to you as a primary member and will be mailed to your address of record. 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.

  • There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one day.

  • For your protection, security restrictions regarding log-on attempts have been implemented.

  • See Section 2 for transfer limitations that may apply to these transactions.

  1. Bill Payer (Bill Payments). We will process bill payment transfer requests only to those creditors the Credit Union has designated in the user instructions and such creditors as you authorize and for whom the Credit Union has the proper vendor code number. We will not process any bill payment transfer if the required transaction information is incomplete.

We will withdraw the designated funds from your checking account for bill payment transfer by the designated cutoff time on the date you schedule for payment. We will process your bill payment transfer within a designated number of days before the date you schedule for payment. You must allow sufficient time for vendors to process your payment after they receive a transfer from us. We suggest you have payment withdrawn at a minimum of six (6) business days prior to the date you wish the bill to be paid. We also suggest that you view your account to confirm that the payment has been withdrawn on the scheduled date. We cannot guarantee the time that any payment will be credited to your account by the vendor.

There is no limit on the number of bill payments per day.

  1. Transfer Limitations.

For all Share/savings accounts, no more than six (6) preauthorized, automatic, or telephone transfers and withdrawals may be made from these accounts to another account of yours or to a third party in any month, and no more than three (3) of these six (6) may be made by check, draft, or access card to a third party. If you exceed these limitations, your account may be subject to a fee or be closed.

  1. Conditions of EFT Services.

  1. Security of Access Code. You may use one or more access codes with your electronic funds transfers. The access codes issued to you are for your security purposes. Any codes issued to you are confidential and should not be disclosed to third parties. You are responsible for safekeeping your access codes. Do not keep your access codes with or in the same general area as your PC. You agree not to disclose or otherwise make your access codes available to anyone not authorized to sign on your accounts. If you authorize anyone to use your access codes, that authority shall continue until you specifically revoke such authority by notifying the Credit Union. You understand that any joint owner you authorize to use an access code may withdraw or transfer funds from any of your accounts. If you fail to maintain the security of these access codes and the Credit Union suffers a loss, we may terminate your EFT services immediately.

  2. Joint Accounts. An individual may be joint on specific suffixes or on all share suffixes. If any of your accounts accessed under this Agreement are joint accounts, all joint owners, including any authorized users, shall be bound by this Agreement and, alone and together, shall be responsible for all EFT transactions to or from any Share/savings and checking or loan accounts as provided in this Agreement. Individuals who are joint on the member’s regular Share/savings account (suffix 0) are automatically considered to be joint on the Christmas Share/savings account (suffix 2). Each joint owner, without the consent of any other account owner, may, and hereby is authorized by every other joint owner, to make any transaction permitted under this Agreement. Each joint owner is authorized to act for the other account owners, and the Credit Union may accept orders and instructions regarding any EFT transaction on any account from any joint account owner. Each joint owner will have access to the member’s Line of Credit even though the line of credit may have been processed in the member’s name only, not including the joint owner. A joint owner may not establish new eHawthorne service but will be authorized to make changes to existing services, such as changing a PIN (Personal Identification Number)/password.

  1. Transfers from Lines of Credit

    Any transfers from your lines of credit will result in you obtaining a loan or advance under the terms previously disclosed to you.

  2. Documentation of Transactions

A. Periodic Statements. You will get a monthly account statement detailing all of your transactions and charges which you post during the statement period.

  1. Suspension of Privileges

We may at any time, and in our sole discretion, limit or cancel the eHawthorne services we offer you. Specifically we reserve the right to cancel access if the eHawthorne service has not been used at all in a three-month time period.

  1. Your Liability for Unauthorized Transactions

Tell us AT ONCE if you believe there has been an unauthorized transaction from your account. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account. If you tell us within two (2) Business Days after you learn of the loss or theft, you can lose no more than $50 if someone deposited, withdrew or transferred funds without your permission. If you do NOT tell us within two (2) Business Days after you learn of the loss or theft and we can prove we could have stopped someone from transferring funds without your permission if you had told us, you could lose as much as $500. Also, if your account statement shows transactions that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may be liable for the full amount of loss.

  1. How to Notify us in the Event of an Unauthorized Transaction

If you believe your PIN has been lost or stolen you should change the PIN through eHawthorne or call customer service during regular business hours at 630.369.4070 or 800.848.1697 (outside of Illinois). If someone has transferred or may have transferred money from your deposit account without your permission, call 630.369.4070 during regular business hours or write:

Hawthorne Credit Union
1519 North Naper Boulevard
Naperville, IL 60563-1522

Or send an email to MemberService@ehawthorne.org.

  1. In Case of Errors or Questions About Your Electronic Transactions to or from Accounts

If you think your statement or receipt is wrong or if you need more information about an account transaction listed on the statement or receipt, call 630.369.4070 or 800.848.1697 (outside of Illinois) or write as soon as you can to:

Hawthorne Credit Union
1519 North Naper Boulevard
Naperville, IL 60563-1522

Or send an email to MemberService@ehawthorne.org.

We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared:

  1. Tell us your name and account number.

  2. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

  3. Tell us the dollar amount of the suspected error.

If you tell us verbally, you also must send us your complaint or question in writing within 10 Business Days.

We will tell you the results of our investigation within 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 (90 days if the transfer involved a point-of-sale transaction or a foreign-initiated transfer) to investigate your complaint or questions. If we decide to do this we will credit your account within 10 business days (20 days if the transfer involved a point-of-sale transaction or a foreign-initiated transfer) 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 questions in writing and we do not receive it within 10 business days, we may not credit your account.

If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.

  1. In Case of Errors or Questions Relating to Your Credit Card Accounts

If you believe there is an error or if you have a question relating to your credit card account, you should follow the procedures set forth on the back of your credit card statement.

  1. Amendments

From time to time, we may amend this agreement. If any amendment results in greater cost or liability to you or stricter limitations on the frequency or dollar amounts of transfers, we will give you at least 21 days notice by mailing a copy of the amendment to you at your most recent address shown on our records.