To ensure delivery, data must be entered in the required format;. CAPTIONS The captions of sections hereof are for convenience only and shall not control or affect the meaning or construction of any of the provisions of this Agreement.
Looking for business banking?
Click here for instructions on how to change your Safari cookie settings on your iPad. For best results we recommend that you use the latest version but not a beta version of your browser. We support the following browsers:.
IBMSECU does not provide, and is not responsible for, the product, service, overall website content, security, or privacy policies on any external third-party sites. These sites may not be conformant with current ADA requirements. If you click "Continue", an external website that is owned and operated by a third-party will be opened in a new browser window.
Affected by the Government Shutdown? If you are registered for our Online Banking system, you already have access to our Mobile Banking service. Mobile Banking provides access to a mobile-optimized version of our Online Banking system. Our Mobile Banking system also allows you to deposit checks by taking a photo with your smartphone!
Can I add additional users to my account in Online Banking? Can I deposit my checks electronically? Then enter the required details about the check and simply snap a picture of the front and back of your check with your mobile phone to complete the deposit. No, you will need to create a Username to login, which can be a combination of letters and numbers, but for security reasons cannot be your Membership number. Usernames must be between characters long. Written stop payment orders are effective for six 6 months and may be renewed in writing for an additional six 6 months only by one of the following methods: Use Message Center to request that we extend the Stop Payment period for an additional six 6 months.
The request must include the check number and the account number on which the check was written. Complete a Stop Payment Order form from our website at www.
Send us a letter requesting that we extend the Stop Payment period for an additional six 6 months. The letter must be faxed to or mailed to: You further agree to hold IBMSECU free of all liability should payment be made contrary to this request, if such payments occur through inadvertence or accident. Send us a notice using Message Center and include the account number the check was written against and the check number, and the following, if known: Send us a letter including the account number the check was written against and the check number.
Also identify the following, if known: The letter should be faxed to or mailed to: A stop payment order will be released only upon request from the account owner who authorized the stop payment to be placed. You should promptly notify the Credit Union of any discrepancies, including but not limited to, any errors or inaccuracies related to data transmitted by any online service.
Also, you cannot assert any unauthorized signatures or alterations by the same wrongdoer on items paid by us after the reasonable time mentioned above elapses and before we receive your notice. We lose these protections if we fail to exercise ordinary care in paying an item with an unauthorized signature or alteration.
You must report any other account problem e. We encourage you to set up Alerts to monitor your account activity.
We will disclose information to third parties about your account or the transactions that you make: In order to verify the existence and condition of your account for a third party, such as a credit bureau;.
It is solely your responsibility to ensure that the contact information in your user profile is current and accurate. This includes, but is not limited to, name, address, phone numbers and email addresses. We shall have a reasonable time to act on such changes. IBMSECU is not responsible for any payment processing errors or fees incurred if you do not provide accurate information. You will be notified of any such change as required by applicable law, either by mail or by Message Center.
Although you may currently have email capabilities, it is important to remember that normal Internet email transmissions may not be secure. You also agree to receive communications regarding your account electronically and will not attempt to circumvent receiving any messages. It is your responsibility to notify us immediately if your email addresses change.
You are deemed to have received any electronic messages at the time we send them to you. We may not immediately receive email including Message Center that you send. You must confirm urgent messages by completing a telephone call to us at the number below.
We will have a reasonable opportunity to act on your email requests. You cannot use email for the following purposes: To report an unauthorized transaction See the " Notices " section regarding how to report these matters. Any notices to us, unless otherwise stated in this Agreement, must be in writing and shall be deemed to have been given or made on the date of delivery, in the case of hand delivery, or five 5 business days after deposit in the United States U.
We shall not be deemed to have received notice until it has been given written notice as provided herein, but telephonic notice may enable us to act to prevent or limit loss to you that may otherwise occur.
Although you will have the ability to transmit electronic mail directly to us using Message Center, no communication through that system or other electronic communication shall be deemed to constitute written notice to us of an error, dispute or security problem. Unless this Agreement provides otherwise, you can communicate with us in any one of the following ways: Box , Boca Raton, FL In such event, you will be responsible for carrying out business through alternative delivery channels.
Unless otherwise required by law, any claim, action or proceeding by you to enforce the terms of this Agreement must be commenced within one 1 year from the date that the event giving rise to the claim, action or proceeding first occurs. These limitations will apply to all causes of action, whether arising from breach of contract, tort including negligence or any other legal theory. Some states do not allow the exclusion or limitation of incidental or consequential damages so the above limitation or exclusion may not apply to you.
You and IBMSECU agree that all telephone conversations and data transmissions between you and the Credit Union or either of our agents made in connection with this Agreement may be electronically recorded and retained by either party by use of any reasonable means and for any lawful purpose.
This Agreement shall be governed by the laws of the state in which the main office of IBMSECU which maintains your account is located and, where applicable, by federal law. Where permitted by law, both parties agree to waive any right to have a jury participate in the resolution of any dispute or claim between the parties or any of their respective Affiliates arising under this Agreement.
State and federal law, including the Uniform Commercial Code UCC , and regulations of the Federal Reserve System, other regulatory agencies and clearinghouse associations, regulate much of our relationship with you. These laws and regulations, as well as the terms of the Agreement may change from time to time without notice to you unless law requires notice.
The Electronic Funds Transfer Act governs some of the transactions permitted under this Agreement, and some terms and conditions included in the Agreement are required by this Act. We will update this Agreement to notify you of these new services. We may terminate this Agreement with or without cause by attempting to provide advance written notice of such termination to you, although we are not obligated to do so.
Any improper, illegal or unlawful use of this service, or if you have been negligent or have engaged in fraud, may result in the termination or restriction of this service, in addition to civil or criminal prosecution. Such termination shall only be effective after we have had a reasonable amount of time to act upon the request or the written notice of such termination or such later date as is specified in that notice.
The sections entitled " Indemnification; Limitations on Banks Liability " and " Disclaimer of Warranty and limitation of Liability " shall survive termination of this Agreement. If any provision of this Agreement is found to be unenforceable according to its terms, all remaining provisions will continue in full force and effect.
You may not assign this Agreement to any other party. The Credit Union may also assign or delegate certain of its rights and responsibilities under this Agreement to independent contractors or other third parties.
No delay or omission on the part of the Credit Union in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.
The captions of sections hereof are for convenience only and shall not control or affect the meaning or construction of any of the provisions of this Agreement. In the event of any inconsistency between the terms of this Agreement and any agreement governing an account of yours, the terms of this Agreement shall govern. In the event performance of the services provided herein in accordance with the terms of this Agreement would result in a violation of any present or future statute, regulation or government policy to which IBMSECU is subject, and which governs or affects the transactions contemplated by this Agreement, then this Agreement shall be deemed amended to the extent necessary to comply with such statute, regulation or policy, and we shall incur no liability to you as a result of such violation or amendment.
This Agreement shall be binding upon and inure to the benefit of you and us and our respective legal representatives, successors and assigns. This Agreement is not for the benefit of any other person, and no other person shall have any right against you or us hereunder.
You agree that this Agreement is the complete and exclusive statement of the agreement between you and IBMSECU which supersedes any proposal or prior agreement, oral or written, and any other communications between you and the Credit Union relating to the subject matter of this Agreement.
If there is a conflict between what an employee of the Credit Union says and the terms of this Agreement, the terms of this Agreement will prevail.
If any provision of this Agreement is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced.
We use several different methods to protect your account information: You must have a valid email address; 3. Never leave your account information displayed where it may be viewed by others; 3. Always exit the system by logging out; 4. Not disclose your User Name and Password or otherwise make it available to anyone else, including other joint owners on the account; 2.
Be liable for your User Name and Password and biometric identification and for its authorized and unauthorized use as described in this Agreement; 3. Change your password regularly; 4. For security purposes, your passcode must meet complexity requirements: The length must be between 8 and 16 characters; with 2. At least one uppercase alphabetic character e. At least one lowercase alphabetic character e. At least one number e.
For these eligible accounts, you will be able to: View balance information; 2. View transaction history; 3. Search for transactions; 4. Import certain account information into Intuit Quicken, via Web Connect; 6.