MC Online & Mobile Banking Disclosure & Agreement

 

Introduction & Agreement

This Disclosure and Agreement (Agreement) for accessing Midwest Community FCU’s website and your accounts online is provided for your information. Please read it carefully as it pertains to this site, your accounts and electronic services. For the purpose of this Agreement, the terms “we,” “us,” “our,” “Midwest,” and “credit union” refer to Midwest Community Federal Credit Union. “You” refers to Members and account owners.  This Agreement is intended to constitute a binding license agreement that conditions your use of this site.

If you do not wish to be bound by this Agreement after you have read it, please leave the site.  If you remain on the site, or return thereafter, you agree to be bound by this Agreement.  You agree to act responsibly at this site at all times. This site is protected by U.S. copyright laws.  All rights are reserved.  Except to the extent required for the limited purpose of reviewing material on our site, electronic reproduction, adaptation, distribution, performance or display is prohibited.  You may not display this website in frames or in links without our written permission.  We may provide links with in our website.  Links are not intended to imply sponsorship, affiliation, or endorsement.  We may change terms or amend this Agreement from time to time without notice or as otherwise provided by law. This website and online services can be used to access certain Midwest Community FCU accounts. Each of your accounts at Midwest Community FCU is also governed by the applicable account disclosure statement (your Disclosure and Agreement of Terms and Conditions, prior receipt of which you acknowledge).

This Agreement will be governed by and interpreted in accordance with federal law and regulation, and to the extent that there is no applicable federal law or regulation, by the laws of the State of Ohio. To the extent permitted by applicable law, you agree that any legal action regarding this Agreement shall be brought in the county in which the credit union is located.

Keeping Your Account Confidential

A. Personal Access Code Protection. For your protection, we recommend that you frequently change your password used to access online banking services. (You can change your password under the Settings Menu.) You agree to hold your password in strict confidence, and you will notify us immediately if your password is lost or stolen. As a precaution, it is recommended that you memorize your password and do not write it down. You are responsible for keeping your password and account information confidential.

Any person whom you permit to use your password will have access to your entire account, including the ability to transfer funds from your savings, checking, money market and loan accounts, and authorize bill payments. We refer to such person as an authorized user and you agree that an authorized user may transfer funds from your savings, checking, money market and loan accounts, and authorize bill payments.

B. Personal Information Protection. In addition to protecting your password and account information, you should also protect your personal identification information, such as your driver’s license, Social Security Number, etc. This information, alone or together with information on your account, may allow unauthorized access to your account. It is your responsibility to protect your personal information with the same level of care that you protect your account information.

C. Examine Your Statement. You must promptly review your statement upon receipt. See In Case of Errors or Questions About Your Electronic Transfers.

D. Privacy. Protecting your privacy is of great importance to your credit union. That’s why we have always maintained a strict confidentiality policy to protect not only your financial assets, but your personal information as well. Please see our online Privacy Policy.

 

How to Reach Us

A. Business Days
Our business days are Monday through Friday, excluding federal holidays. You can contact us by visiting one of our branch offices during normal business hours or by calling or texting us at (419) 783-6500. Our office hours are located on our website. If you cannot call us or come in person, you can write to us at: Midwest Community FCU, 8770 N State Route 66, Defiance, OH 43512.

B. E-mail
Sending e-mail through our website is one way to communicate with us. We have provided e-mail links for you to ask questions or give comments regarding our website or online banking service. Please note that e-mail is not initiated from a secure session. To ensure the security of your account information, you cannot use e-mail to initiate transactions on your account(s). In addition, we recommend that you contact us by telephone to report any problems or ask questions about your account.

For account transactions, please log in with your personal username and password to a secured session in online banking, or call us at (419) 783-6500 during regular business hours, excluding holidays.

 

Electronic Banking Disclosure

A. Account Access. If we approve your request for Banking Services, you may use your personal computer or mobile device to access your accounts through the Internet. You must use your username and password, fingerprint, biometrics, etc. to access your accounts. Your accounts can be accessed via personal computer, mobile devices, or the mobile app. The Banking Services will be available for your convenience 24 hours per day. This service may be interrupted for a short time each day for data processing and/or scheduled maintenance. We reserve the right to refuse any transaction which would draw upon insufficient available 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. 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 or after numerous unsuccessful attempts to enter a transaction, and there are limits on the duration of each access.

You will need a personal computer or mobile device to access the Internet. You are responsible for the installation, maintenance and operation of your computer and mobile device. Midwest Community FCU will not be responsible for any errors or failures involving your telephone service, computer or mobile device. Online or mobile banking access may be deactivated at any time by Midwest Community FCU. You may call during our regular business hours to deactive your online and mobile banking. If you have agreed to electronic statements, you will continue to receive monthly or quarterly email notifications regardless of whether your Online Banking Services are deactivated or deleted. In order to obtain your statements, you must reactivate your Online Banking Services by contacting us as listed above or by re-registering. If you choose not to reactivate your Online Banking Services, please contact the credit union and we will convert you to paper statements (fees may apply).

You may use the Online & Mobile Banking Services for the following transactions, but not limited to:

    • Make inquiries
    • Check account balances
    • Transfer funds between your savings, checking, money market, and loan accounts
    • Check and ACH stop payments
    • Open shares (Restrictions may apply, read joint owner requirements before opening a share in Online and Mobile Banking)
    • Close shares
    • Make loan payments
    • Make changes to your overdrafting
    • Access your current or past monthly statements and notices
    • Access bill pay services
    • Link external accounts
    • Create ACH/External Transfers between your accounts at Midwest Community FCU and other Financial Institutions
    • Download account history into personal financial management software, such as Quicken and QuickBooks.

Services available may be added or canceled at any time. We shall update this Agreement to notify you of the existence of these new services. By using these services when they become available, you agree to be bound by the rules contained in this Agreement.

You can use online banking seven days a week, 24 hours a day. However, from time to time, some or all online banking and mobile banking services may not be available due to system maintenance. During such times, you may call or text us at (419) 783-6500 or visit one of our branches. (See How to Reach Us for business hours.)

B. Confidentiality. We will disclose information about your account to third parties only when one of the following conditions exist:

    • when necessary to complete a transaction requested by you
    • in order to verify the existence and status of your account(s), such as for a retail merchant or credit reporting agency
    • in order to comply with government agencies or court orders
    • if you give us written permission

C. Documentation. You will periodically receive account statements. You may elect to receive your statements electronically through our E-Statements service. With E-Statements, your account statements will be available for you to view and print. We can send you an e-mail message to notify you when your statements are available. For more information about E-Statements, click on “Statements/Notices.”

If you have arranged to have direct deposits made to your account, you can review your account history using online banking or call or text us at (419) 783-6500 to find out whether or not the deposit has been made.

D. Preauthorized Payments. If you have told us in advance to make regular payments (preauthorized payments) out of your account, you can stop any of these payments. Here’s how:

Call us at (419) 783-6500, write us at 8770 N State Route 66, Defiance, OH 43512, in time for us to receive your request five business days or more before the payment is scheduled to be made, or complete an ACH Stop Payment under ‘More Services’ in MC Online. If you call, we may also require you to put your request in writing and send it to us within 14 days after your call. (See your Disclosure and Agreement of Terms and Conditions, prior receipt of which you acknowledge, for stop payment charge.)

If these regular payments may vary in amount, the person you are going to pay will tell you, 10 days before each payment, when it will be and how much it will be.

If you order us to stop one of these payments five business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.

E. Liability for Failure to Make Transfer. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will NOT be liable:

    • if, through no fault of ours, you do not have enough money in your account to make the transfer
    • if the transfer would go over the credit limit on your overdraft line
    • if the Automated Teller Machine where you are making the transfer does not have enough cash
    • if the terminal was not working properly and you knew about the breakdown when you started the transfer
    • if circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken there may be other exceptions stated in our agreement with you

F. Errors or Questions About Your Electronic Funds Transfers. Telephone us at (419) 783-6500 or write to us at the address shown in How to Reach Us as soon as you can if you think your statement or receipt is wrong, or if you need more information about a transaction listed on your statement or transaction receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

In order to help you with your questions, we will need the following information:

    • your name, account number, and transaction date in question
    • the situation you are unsure about, and why you believe there is an error or why you need more information
    • the dollar amount of the suspect transaction

We will determine whether an error occurred within 10 business days (20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 calendar days (90 calendar days if the transfer involved a new account, a point-of-sale transaction, or a foreign initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have 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 10 business days, we may not credit your account. An account is considered a new account for 30 days after the first deposit is made.

We will tell you the results within three 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.

G. Lost or Stolen Password. If you believe your personal password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, telephone us at (419) 783-6500, or write to us at the address shown in How to Reach Us as soon as you can.

H. Account Alerts. Please read these terms and conditions of use carefully before activating alerts. If you use the Account Alerts service, you will receive alerts sent to the e-mail addresses or SMS text messages you specify, regardless of whether you have opted out of receiving promotional e-mail or promotional SMS text messages. Please be aware that information transmitted via Internet e-mail or by phone may not be secure and we cannot guarantee the security of any information transmitted to an Internet e-mail address or phone number. Although the Account Alerts service is designed to give you timely notice of specific events, it cannot provide immediate notice. You may encounter errors, interruptions, delays or failures in the receipt of your Account Alerts which may or may not be out of the control of Midwest Community FCU, such as technical difficulties suffered by your Internet service provider or wireless communications carrier. Further, some cell phones or certain other devices may omit a portion of the Alert. Midwest Community FCU makes no warranties to you about the timeliness of the Account Alerts service or the accuracy, reliability, or completeness of any alerts we provide you. Your use of Alerts is at your own risk. We will provide the Alerts service and its messages to you on an as is basis without any warranties of any kind. Under no circumstances shall we be liable for any type of damages resulting in any way from your use of or reliance upon the Alerts service or the contents of specific alerts.

I. Photo. By uploading an image to online and mobile banking, you represent and warrant that the photo is original to you, that you are the legal owner of the copyright in any photo, that no other party has any rights in or to the photos, or that you have been granted complete and unrestricted rights from the intellectual property owner to upload and use the photo for the purposes set forth in this Agreement.

By uploading a photo, you further represent and warrant that use of the photo as provided for in this Agreement, does not violate the rights of any party, will not result in a breach of contract with another party, and that you will be responsible for payment of any royalty or fee that may be due as a result of use of the photo.

By uploading a photo, you assume sole responsibility for its content, and for any claim, demand or damages that arise from the content. You agree to indemnify and hold harmless Midwest Community Federal Credit Union from and against any third party claim or demand arising from your uploading of any photo to the Banking Services.

J. SavvyMoney Instant Access. As a feature of your digital banking account, we will provide you with your credit score and report. This is a soft pull and will not affect your credit score.

You authorize our partner SavvyMoney, Inc. to continuously obtain your credit report and use the information to verify your identity, provide you with financial education, and invite you to apply for products and services made available by us.

Click here if you wish to decline enrollment in SavvyMoney services.

By clicking ‘I Agree’, you are accepting SavvyMoney’s Terms of Service and Privacy Policy (unless you completed the decline enrollment instructions above). You may revoke this authorization at any time through your credit score profile settings.

K. Disclosures. Midwest Community FCU may give disclosures in either paper or electronic format. You may obtain a paper copy of any disclosure you may need by printing the disclosure or contacting us at (419) 783-6500.

L. Liability for Unauthorized Use-Online Banking Transactions. If you believe that your password has been lost, stolen, or discovered by an unauthorized person and you tell us within two business days of your discovery, you can lose no more than $50 if someone used your personal access code without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your access code, and we can prove that we could have stopped someone from using your access code without your permission if you had told us, you could lose as much as $500.

Also, if your statement shows transfers 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 not get back any money you lost after 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the time periods.

If you authorize someone else to use your personal password, you are responsible for all transactions which that person initiates at any time, even if the amount of the transaction or number of transactions exceeds what you authorized.

 

Miscellaneous Fees and Charges

There are no fees or charges for accessing your account through online banking service. Other fees, as described in your account disclosure (your Disclosure and Agreement of Terms and Conditions, prior receipt of which you acknowledge), may apply to services you order online.

Please note that fees may be assessed and billed separately by your online service provider.

 

Other General Terms

Other Agreements. In addition to this Agreement, you agree to be bound by and will comply with all terms and conditions applicable to your account with Midwest Community FCU, as described in your Disclosure and Agreement of Terms and Conditions, prior receipt of which you acknowledge.

Digital Banking SMS Terms & Conditions. Midwest Community Federal Credit Union provides secure digital banking technology to its members. As part of this service, we deliver SMS-based multi-factor authentication (MFA) codes to help verify your identity when logging into your credit union’s digital banking platform. We also provide account alerts based on banking activity and the alerts & thresholds set up in digital banking settings. Standard message and data rates may apply depending on your mobile carrier and service plan.

  1. Based on your digital banking activity, you can expect to receive two factor codes and account activity alerts via SMS.TWO FACTOR CODES: By using your online or mobile banking platform, you may receive SMS text messages containing one-time passcodes (OTP) for authentication. These messages are triggered by your login activity and are used solely for security verification.

    ACCOUNT ACTIVITY ALERTS: You can opt in to receive account activity alerts via SMS in the digital banking account settings screen. The phone number selected will receive account activity alerts depending on the alert types and thresholds you configure in digital banking settings to maintain security and account awareness.

  2. You can cancel the SMS service at any time. Just text “STOP” to the 10-digit phone number. After you send the SMS message “STOP” to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again. Additionally, you can edit your alert and phone number settings to stop receiving text messages to your phone number in your digital banking account settings screen.
  3. If you are experiencing issues with the messaging program you can reply with the keyword HELP for more assistance, or you can get help directly at info@midcomm.org or call 419-783-6500.
  4. Carriers are not liable for delayed or undelivered messages.
  5. Message and data rates may apply for any messages sent to you from us and to us from you. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.TWO FACTOR CODES: Message frequency varies depending on your login behavior. Generally, one message is sent per phone number per login attempt requiring verification.

    ACCOUNT ACTIVITY ALERTS: Message frequency varies depending on banking activity and the alerts & thresholds set up in your digital banking settings. One alert message is sent in response to digital banking activity matching or triggering your alert type settings and thresholds.

  6. If you have any questions regarding privacy, please read our privacy policy: https://midwestcommunity.org/disclosures/online-privacy-policy/

Severability. In the event that any portion of this Agreement is held by a court to be invalid or unenforceable for any reason, the remainder of this Agreement shall not be invalid or unenforceable and will continue in full force and effect. All headings are intended for reference only and are not to be construed as part of the Agreement.

Right to Terminate Agreement. Midwest Community FCU reserves the right to terminate this Agreement and your access to online banking, in whole or in part, at any time.

Disclaimer of Warranties and Liability. You expressly agree that the use of this website is at your sole risk.  There is no warranty that your access to or use of this site will be uninterrupted or error-free; or that any results may be obtained by use of this site.  This site is made available on an “as-is” basis without warranties of any kind.

Except as specifically provided in this Agreement or where the law requires a different standard, you agree that neither we nor the service providers shall be responsible for any loss, property damage or bodily injury, whether caused by the equipment, software, Midwest Community FCU, OR by internet browser providers OR by internet access providers OR by online service providers OR by an agent or subcontractor of any of the foregoing. Nor shall we or the service providers be responsible for any direct, indirect, special, or consequential economic or other damages arising in any way out of the installation, download, use, or maintenance of the equipment, software, online banking services, or internet browser or access software. In this regard, although we have taken measures to provide security for communications from you to us via online banking, and may have referred to such communication as “secured,” we cannot and do not provide any warranty or guarantee of such security.

We invite you to print a copy of this Online & Mobile Banking Disclosure and Agreement and retain it for your records. You may also request a copy of this Agreement to be mailed to you. To do so, email us at info@midcomm.org or call us at (419) 783-6500.

 

6/9/2026