Alcoa Tenn Online Access (Internet Services)
Agreement and Disclosure

Access Device: Your Access Line (telephone services) PIN (Personal Identification Number) is your Password in the Alcoa Tenn Federal Credit Union Online Access (Internet Services). The password is a 4 to 10 digit number that you may change at any time. Keep your password confidential. If you do not have an Access Line (telephone services) PIN, please contact a Member Service Representative at (865) 977-3118 for further assistance.

Joint Account: If you are accessing a joint account, you agree to be jointly and severally liable, under the terms of this agreement. An access device (Personal Identification Number, or PIN) may only be obtained thru the primary account holder. We may refuse to follow any instructions, which run counter to this provision.

Services: You may access your account from a personal computer to:

• Make inquires on your account(s).
• Make withdrawals from your account(s). A check payable to you (the primary owner) will be mailed on the business day following the request for withdrawal to the address on record.
• Transfer funds between your accounts.
• Transfer funds to another member's account.
• Apply for a loan.
• Make loan payments.
• Place stop payments.
• Download account information in Microsoft Money, Microsoft Excel, and/or Intuit Quicken.
• Obtain tax information, including total interest paid and dividends earned.
• Obtain information on cleared checks within past 90 days.
• Change the password of your account.
• Pay Bills to merchants, individuals and others located in the US

Limits of Transactions: There is a dollar limit of $10,000.00 on any transactions processed to any of your credit union accounts. Limits on the number of transactions are as follows:

• Share Draft Account (checking account)- No limit on the number of transactions.
• Share Account (savings account)- During any calendar month, you may not make more than six (6) withdrawals or transfers.
• Money Market Account- During any calendar month, you may not make more than six (6) withdrawals or transfers of which no more than three (3) may be made by check.
  
  

Illegal Transaction Activity: Any financial service provided by ATFCU may be used for any transaction permitted by law. You agree that illegal use of any financial service and/or other related services may be terminated at ATFCU's discretion. You further agree, should illegal use occur, to waive the right to sue ATFCU for such illegal activity directly or indirectly related to it. You also agree to indemnify and hold ATFCU harmless from any suits or legal action by you or any third party for liability directly or indirectly, resulting from such illegal use.

Stop Payment Authorization: When you click the 'Stop Payment' button on the stop payment page, it is our record of your stop payment order and represents our understanding of the order. An online stop payment order is considered a written order, and will remain effective for six (6) months after the date such order is placed. An online stop payment may be renewed in writing for any term greater than six (6) months. You hereby agree to hold ATFCU harmless for all expenses and costs incurred by ATFCU on account of refusing payment of said draft and agree not to hold ATFCU liable on account of payment contrary to this request if same occurs through inadvertence, accident, or oversight.

Fees: There is no charge for the general use of ATFCU Online Access System. We will charge you as prescribed in the ATFCU fee schedule for some individual services that are offered through the ATFCU Online Access System. You may view the ATFCU Fee Schedule by Clicking Here. Such charges will be collected from your account at the time you request the service.

Contact in the event of unauthorized transfer: If you believe someone has conducted a transaction on your account without your permission, call or write us:

Postal Mail: P.O. Box 9001 Alcoa, TN 37701

Email Member Service

Telephone: 1-800-404-6008

Bill Payment Services:  When you sign up for the bill payment service, you must use your share draft (checking) account(s) as your payment account. The A+ Money Market Account, may also be used with the bill payment service.

Payment Guidelines: Your payee list may include merchants, businesses, charitable institutions, professional service organizations or individuals. However, you may not use the service to pay taxes or any court ordered payments. Payees must be located in the United States. Payments must be made payable in US dollars.

Available Funds Required: When you schedule a bill payment, you authorize us to withdraw the necessary funds from your default account. We may refuse to act on your instructions if sufficient funds, including funds available under any overdraft plan, are not available in your default account on the due date. If funds are not available, an NSF fee will be charged.

Authorization to Charge Account: You authorize us to process electronic bill payments according to the instructions we receive from you. You authorize us to initiate any reversing entry or reversing file and to debit your accounts at the credit union, in order to correct any mistaken credit entry.

Rejected Scheduled Payment: If a scheduled payment is rejected, you are responsible for: making alternate arrangements for payment or rescheduling the payment. Under no circumstances will we automatically resubmit a payment for you after it has been rejected.

Canceling a Scheduled Payment: You may cancel any of your scheduled payments any time prior to the processing time frame. However, once funds have been deducted from your designated account, payment cannot be stopped. Electronic payments that have already been processed, also cannot be stopped.

Billpayment Fees: ATFCU is pleased to offer the Online Bill Payment Service FREE of charge to all our Online Members. While there is no charge for the general use of the service, we may charge you as prescribed in the ATFCU fee schedule for some individual services such as Overdraft Protection plans, or NSF fees. Please refer back to the "Availalbe Funds Required" section of this policy.

Canceling Bill Pay Service: If you wish to cancel the Bill Pay Service after you have registered for Bill Pay and not have your account debited for any bills you have setup, you must click the 'Stop Bill Pay Service' button to complete the cancellation of Bill Pay Service. Once you complete the Cancel Bill Pay section, your bills will no longer be paid by ATFCU Bill Pay Service. When you click the 'Stop Bill Pay Service' button it is our record of your Bill Pay Service cancellation and represents your understanding of the Bill Pay Service cancellation. This action cannot be reversed.

Loans: Credit is subject to the terms and conditions disclosed in the LOANLINER Credit Agreement and Truth-in-Lending disclosures. You hereby authorize ATFCU to verify employment and credit history, and to obtain a credit report in connection with the credit application.

Equipment Failure: We will not be liable to you for failure or malfunction of any equipment associated with the ATFCU Online Access Service. This service may be interrupted for a short time each night for data processing and system maintenance.

Termination: We may terminate your right to use Online Access or cancel this agreement at any time upon written notice. You may request termination of these services in writing. Termination will not relieve you of any obligation to repay any sums borrowed, fees, or charges you incurred.

Changes to Term: We may change the terms and charges for the services shown in this agreement and/or amend this agreement from time to time.

Information Disclosure: We restrict access to nonpublic personal information about you by maintaining physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic information. However, we reserve the right to confidentially disclose information to any additional parties:

• When it is necessary to complete an electronic transaction.
• To verify the existence and conditions of your account for maintaining, servicing or processing, to a third party such as a credit bureau or merchant, as permitted by law.
• To comply with a government agency or court order, or any legal process.
• If you give us written permission.

e-Statement Agreement:

e-Statement/e-LERT License Agreement LICENSING AGREEMENT FOR ONLINE WEB SITE VIEWING OF eStatements AND E-LERTS.

The e-Statement and e-LERT Web Site (the "Service") is an on-line e-Statement and e-LERT viewing product provided by Alcoa Tenn Federal Credit Union and its Licensor, DigitalMailer, Inc. ("The Credit Union").

Please read this Agreement carefully before accessing or using the Service. By accessing or using the Service, you agree to be bound by the terms and conditions below. If you do not accept the terms and conditions of this Agreement, you may not access or use the Service. The Credit Union may modify this Agreement from time to time, and such modifications shall be effective immediately upon posting of the modified Agreement. By continuing to access or use the Service following such modifications, you agree to be bound by the modified Agreement.

Password and Security. After the initial login, the Service will be accessible through a password chosen by you. You agree not to give or make available your password to any unauthorized individuals. If you believe that your password has been lost or stolen or that someone may attempt to use your password without your consent, you must notify The Credit Union at once.

You must not restrict or inhibit any other user from using the Service. You may not use the Service to send any unlawful, fraudulent, libelous, defamatory, obscene, pornographic, threatening, offensive, or otherwise objectionable information of any kind. You may not use the Service to conduct any illegal activity or solicit the performance of any illegal activity, including without limitation the U.S. export control laws and regulations.

Charges. As a customer of the Service, you will not be charged by The Credit Union for receiving an eStatement or e-LERT electronically. As part of the Service, The Credit Union will provide a history of prior month’s statements for you to review and print as needed (see The Credit Union’s web site for the number of months that will be made available as part of the Service). There may be a charge for additional transactions, including a request for a paper copy of your statement from The Credit Union, and other optional services.

EXCLUSION OF WARRANTIES. The Credit Union IS PROVIDING THE SERVICE "AS IS" WITHOUT ANY WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON INFRINGEMENT AND TITLE. The Credit Union DOES NOT WARRANT THAT THE SERVICE IS ERROR-FREE, OR THAT ACCESS TO AND USE OF THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE.

LIMITATION OF LIABILITY. IN NO EVENT SHALL The Credit Union OR ITS LICENSORS OR SUPPLIERS BE LIABLE FOR ANY DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGES) ARISING OUT OF THE DELIVERY, PERFORMANCE, OR USE OF THE SERVICE, WHETHER INCURRED BY YOU OR ANY THIRD PARTY, EVEN IF The Credit Union OR ITS LICENSORS OR SUPPLIERS HAVE BEEN ADVISED OR MAY OTHERWISE KNOW OF THE POSSIBILITY OF SUCH DAMAGES. IF ANY LIABILITY IS IMPOSED ON The Credit Union, ITS LICENSORS OR SUPPLIERS, The Credit Union AND ITS LICENSORS OR SUPPLIERS TOTAL LIABILITY TO YOU OR ANY THIRD PARTY SHALL NOT EXCEED THE AMOUNT YOU PAID FOR THE SERVICE. Some jurisdictions prohibit exclusion or limitation of liability for implied warranties or consequential or incidental damages, so the above limitation may not apply to you. You may also have other legal rights that vary from jurisdiction to jurisdiction.

THE FOREGOING SHALL CONSTITUTE The Credit Union's ENTIRE LIABILITY AND YOUR EXCLUSIVE REMEDY HEREUNDER.

Assignment. You may not assign this Agreement to any other party. The Credit Union may assign this Agreement to any future, directly or indirectly, affiliated company. The Credit Union may also assign or delegate certain of its rights and responsibilities under this Agreement to independent contractors or other third parties.

General. This Agreement is governed and shall be construed in accordance with the laws of the State of Virginia, excluding its choice of law rules. This Agreement constitutes the entire agreement and supersedes any prior agreements or understandings, oral or written, between The Credit Union and you concerning the Service and may only be amended in a writing signed by both parties. Failure or delay in enforcing any right or provision of this agreement shall not be deemed a waiver of such provision or right with respect to any subsequent breach or a continuance of an existing breach. If any provision of this Agreement shall be held to be unenforceable that provision will be enforced to the maximum extent possible, and the remaining provisions of this Agreement will remain in full force and effect.

This agreement last updated: February 2008.

Please read our Privacy Policy and our Security Policy for more details.

Thank you for reading this disclosure.