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Disclosure of
Information
for
Home Banking/Star Service
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DEFINITIONS
"YOU" and "YOUR" mean each person who has signed the Home Banking
Agreement or who use the systems with your consent. "WE," "US," and
"OUR" mean NY TEAM Federal Credit Union whom you applied to for this
service. "ACCOUNT" means each and all of your accounts for which you
may use the service. "PIN" means your Personal Identification
Number. "TRANSACTION" means a withdrawal inquiry or transfer of
money by use of this system. "SYSTEM" refers to Home Banking System.
GENERAL AGREEMENT
You agree that the transactions made through this system are subject
to any other applicable rules or regulations and to any other
agreements between us. We may add services or make other changes in
this agreement by written notice mailed to you at the most recent
address on our records for this account.
BUSINESS DAYS
The Credit Union's business days are defined as Monday through
Friday. Holidays are excluded.
PERSONAL IDENTIFICATION NUMBER (PIN)
Please select The Credit Union System that you would like access to
on your signed agreement and one will be mailed to you. Once you
login to the Home Banking/Star System you may change the PIN number
that was assigned to you by the Credit Union. In the event of a lost
or forgotten PIN, you may call us to obtain a new activation code.
To ensure the safety of your account, DO NOT record your pin in an
area that an unauthorized person could have access to or divulge it
to anyone. It is your responsibility to keep your PIN secure to
prevent fraudulent transactions on your account.
HOW TO ACCESS OUR SYSTEMS
The Home Banking System resides at internet address
http://www.nyteamfcu.org
The Audio Response System can be reached by dialing (516)
822-0190.
TRANSACTIONS
You may use the systems to access the following information:
-Listing of all accounts -current and available balance -history on
all accounts up to 6 months -loan payment amount, balance, and next
due date -check withdrawals with payments generated to yourself and
mailed to your residence Stop payments on checks -transfers funds
between accounts within the same member profile -cleared share
drafts -change your password. We reserve the right to add, delete,
and modify these services
WITHDRAWALS
You may make check withdrawals on the system up to limits
established by the Credit Union providing your account balance has
available funds. Check withdrawals are mailed the next business day,
payable to the basic member and mailed to the address of record.
 OVERDRAFTS
Unless you have a line of credit agreement to cover overdrafts on
your Share Draft Account, you agree not to create an overdraft. If
an overdraft does occur, you may be liable for court costs and
attorney's fees, as allowed by law. We can offset any overdraft you
create without your permission against any other deposit account you
have with us.
TRANSFERS
Transfers made from Share Savings Accounts are subject to Regulation
D restrictions. Regulation D restricts the number of electronic
transfers made from each account.
TERMINATION
Use of the Systems may be terminated or restricted at any time
without notice. You may terminate this agreement at any time by
giving written notice to the Credit Union. We can shut down the
Systems without advance notice to you.
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Accounts Federally Insured to $250,000 by National
Credit Union Administration an agency of the U.S. Government