MC Online 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 within 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 personal access code used to access online banking services. (You can change your access code under the More menu.) You agree to hold your personal access code in strict confidence and you will notify us immediately if your personal access code is lost or stolen. As a precaution, it is recommended that you memorize your access code and do not write it down. You are responsible for keeping your access code and account information confidential.

Any person whom you permit to use your access code 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 personal access code 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 and hours are Monday through Wednesday from 7:30 am to 6 pm EDT, and Thursday and Friday from 7:00 am to 6:30 pm,  excluding holidays. You can contact us by visiting one of our branch offices during normal business hours or by calling (419) 783-6500. Calling us is the best way to report any problems or to get questions answered. 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 web site 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 access code 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

Online banking is a service provided to our Members. By using online banking with your personal access code, you can:

  • Make inquiries
  • Check account balances
  • Transfer funds between your savings, checking, money market, and loan accounts
  • Make loan payments
  • Access your current or past monthly statements
  • Request a withdrawal or loan advance by check
  • Download account history into personal financial management software, such as Quicken and Microsoft Money

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 services may not be available due to system maintenance. During such times, you may use MAX (our 24-hour telephone transaction service), MC Mobile Banking, or visit one of our branches. (See How to Reach Us for business hours.)

B. Limitations on Funds Transfers from Savings Accounts

Pursuant to federal regulations, you are limited as to the number of certain transactions you can make on your savings and money market accounts. You are allowed a maximum of six online transfers, telephone transfers, preauthorized transfers, and checks clearing each month from any savings or money market account. In addition, no more than three of the six money market transactions allowed per month may be by checks you write.

Online transfers are transfers from savings to checking initiated through online banking. Telephone transfers are transfers from savings to checking initiated by a personal telephone call or by using MAX. Preauthorized transfers are transfers made according to a specific agreement between a Member and us or another party. (Examples of preauthorized transfers are automatic overdraft transfers from savings to checking, or regular electronic payments from savings made to a third party, such as health clubs, insurance companies, etc.) Check access refers to any checks you write on your VIP Money Market share account.

C. 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

D. Documentation

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

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

E. 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, or 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. 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.

F. 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

G. In Case of 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.

H. Lost or Stolen Access Code

If you believe your personal access code 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.

I. Liability for Unauthorized Use-Online Banking Transactions

If you believe that your personal access code 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 access code, 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.


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 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 particular 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 such as Netscape (Netscape Navigator browser) and Microsoft (Microsoft Explorer browser), 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 bnaking 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 website and online banking Disclosure and Agreement and retain it for your records. You may also request a copy of this Agreement be mailed to you. To do so, e mail us at or call us at (419) 783-6500.