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is the contract, which covers your and our rights and responsibilities
concerning the Electronic Services including: Online Banking, Mobile Banking, Bill
Pay, Transfers, Direct Deposit and Mobile Deposit services offered to you by Red
Canoe Credit Union ("Credit Union"). In this Agreement, the words
"you" and "yours" mean those who enroll for any of the
Electronic Services and any authorized users. In this Agreement the words
"we" and "us" and "our" and "ours" mean
Red Canoe Credit Union. The word "account(s)" means any one or more
savings, checking and loan accounts you have with the Credit Union.
By submitting an
Online Mobile or other approved enrollment, you agree to the following terms
governing your and our rights and responsibilities concerning Online and Mobile
Banking, Bill Pay, Transfers, Direct Deposit ("electronic funds transfers"
or "EFTs") and Mobile Deposit services and involving your accounts (collectively
The terms of this Agreement apply
to both consumer and business members, except as specifically provided in this
Agreement. For consumer accounts, the primary account holder may enroll
in the Electronic Services and is responsible for the acts of any joint
accountholder. Anyone enrolling represents that he or she is the primary
account holder and is authorized to enroll in the service. Anyone using
Electronic Services represents that he or she has full authority to use the
Services and to engage in any action taken by him or her. For business and
organizational accounts, the Electronic Services may be established by any
authorized user of the account holder. Any joint accountholder or an
authorized user, acting alone, may effect transactions through the Electronic
Transfer funds between your savings, checking, and loan accounts,
as allowed, including loan payments.
Transfer funds to accounts of other members and persons using the
Transfer and External Transfer service.
Review savings and checking account balance, transaction history
and dividend information.
Review loan account balance, transaction history, payment due dates,
loan payoff amounts and finance charges.
Review available copies of cleared checks, e-Statements and tax
Make bill payments from your checking account using the Bill Pay
Access and use the personal financial management services and
Communicate with the Credit Union using Secure Messaging.
involving your savings and checking accounts will be subject to the terms of
your Membership and Account Agreement. Transactions involving your loan
accounts will be subject to your applicable Loan Agreement and Disclosures.
The most up-to-date list of services which you may be able
to access through Mobile Banking is posted on the Mobile Banking enrollment
website at www.redcanoecu.com.
When you register for Mobile Banking, designated accounts and payees (or
billers) linked to your account through Online Banking will be accessible
through the Mobile Banking service.
"ACH Network" means the funds transfer system, governed by the
NACHA Rules that provides funds transfer services to participating financial
"Transaction Account" is
a transaction account (checking, money market or other direct deposit account,
credit card account, or debit card account, including any required routing
information) from which your payments as a Sender will be debited, any Service
fees will be automatically debited, or to which payments and credits to you
will be credited.
"Transfer Instruction" is
the information provided by the Sender to the Service for a transfer or payment
to be made to a Receiver (name, mobile telephone number, email address, and
financial institution account and routing number information, etc).
"Receiver" is a person or
business entity that is sent a payment transaction through the Service.
You understand and agree that when you initiate a payment
transaction from a Transaction Account using the Person-to-Person Service, the
processing of the payment transaction will begin and the debiting of your
Transaction Account will occur as early as the day of such initiation. However,
the payment funds will be transferred into the Receiver's Transaction Account
no earlier than the next Business Day after you initiated the payment
transaction. If you request a one-time payment transaction to be initiated on a
specified date or a recurring series of payment transactions to be initiated on
specified dates, then the processing of the payment transaction will begin on
the specified date and the debiting of your Transaction Account will occur as
early as the specified date(s).
Payments to or from persons or entities located in prohibited
Payments that violate any law;
Payments or donations to an unauthorized charity or non-profit
Payments that violate any terms in this Agreement; and
Payments related to tax or court ordered obligations, gambling,
any unlawful activity, or any objectionable purpose as we reasonably determine.
If your statement
shows EFT transactions that you did not make, notify us immediately. If you do
not notify us within sixty (60) days after the statement was mailed or
electronically delivered to you, you may be liable for the full amount of the
loss if we can prove that we could have stopped someone from making the
unauthorized EFT transactions. If a good reason (such as a hospital stay) kept
you from notifying us, we may extend the time period.
If you believe
your Password has been lost or stolen or that someone has transferred or may
transfer funds from your account without your permission, contact us
immediately by one of the following:
In person at one
of the Red Canoe Credit Union branches.
Mail: Red Canoe
Credit Union, PO Box 3020, Longview, WA.98632-7538
Tell us your name and member number.
Describe the transaction you are unsure about, and explain as
clearly as you can why you believe it is an error or why you need more
Tell us the dollar amount of the suspected error.
If you tell us
verbally, we may require that you send us your complaint or question in writing
within ten (10) business days.
We will tell you
the results of our investigation within ten (10) business days after we hear
from you and will correct the error promptly. For errors related to
transactions occurring within thirty (30) days after the first deposit to the
account (new accounts), we will tell you the results of our investigation
within twenty (20) business days. If we need more time, however, we may take up
to forty-five (45) calendar days to investigate your complaint or question
(ninety (90) calendar days for new account transaction errors, or errors
involving transactions initiated outside the United States). If we decide to do
this, we will re-credit your account within ten (10) business days for the
amount you think is in error, so that you will have the 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 ten (10)
business days, we may not re-credit your account.
If we decide
after our investigation that an error did not occur, we will deliver or mail to
you an explanation of our findings within three (3) business days after the
conclusion of our investigation. If you request, we will provide you copies of
documents (to the extent possible without violating other members' rights to
privacy) relied upon to conclude that the error did not occur.