This page explains the terms and conditions for using our Home
Banking Service and provides certain disclosures and information
to you concerning the service. Each of your accounts at White Pine Credit Union is also governed by the applicable account disclosure/agreement
and Truth In Savings disclosure you received when you opened your
How To Access Your Accounts:
To access your accounts through our Home Banking service, you must
have your account number and an Home Banking password. This information
is requested when you enter our Home Banking pages.
The password that is used to gain access to your information should
be kept confidential, just as you would keep other PIN numbers and
security codes confidential. For your protection we recommend that
you change your Home Banking access password regularly. It is recommended
that you memorize this password and do not write it down. You are
responsible for keeping your password, account numbers and other
account data confidential. If you believe that your password may
have been lost or stolen, or that someone has transferred or may
transfer money between your accounts without your permission, notify
White Pine Credit Union at once at (208) 464-2844 .
You cannot use E-mail to initiate transactions, change information
or inquire on your account (s). We will not respond to these types
of requests via E-mail since we cannot be certain we are corresponding
with you. Please use the appropriate functions within our Home Banking
service, call (208) 464-2844 or visit the credit union for these
To get an initial password for the Home Banking service, visit
the credit union office or call us at (208) 464-2844 .
There is currently no fee for accessing your account(s) through
our Home Banking service. We reserve the right impose / change the
fee amount, if necessary, after providing 30 days notice to all
users at the Home Banking login page and/or e-mail address.
Your Internet service provider (ISP) probably charges you a fee
to access the Internet via its server. We have no control over ISP
Available Services and Limitations: The following functions may
be performed by members through the service:
- Transfers: You may transfer funds between your
Share or Loan Accounts as the account agreements may allow. Transfers
done through the service DO NOT immediately charge or credit your
account. TRANSFERS WILL BE EFFECTIVE BY THE NEXT BUSINESS DAY
AFTER THE DATE OF SUCH TRANSACTION but may occur sooner.
- Account Balances: You may view your share and
loan account balances. Because the main credit union computer
system is not connected to the Internet, it is possible that some
transactions that affect these balances, and have been processed
by the credit union, are not yet included in the balance at the
time you view it. In addition, there may be drafts written against
your balance, or other electronic items such as debit card transactions,
that have not yet been presented to the credit union for payment.
- Transaction history: You may view the transaction
history for any loan or share account. Because the main credit
union computer system is not connected to the Internet, it is
possible that some transactions are not yet included in the history
at the time you view it even though they may have been processed
by the credit union. The main credit union computer system is
always the official record of account history. The Home Banking
service may be updated several times per day for your convenience
in viewing account activity.
- Password Changes: If you are an Home Banking
user, you may change your password at any time from within the
Home Banking section. For your protection we recommend that you
change your Home Banking password regularly.
- Check orders: You may reorder checks and/or
view and order new check styles available through the credit union.
We will not process check order requests if you do not have a
checking account at the credit union.
- Check search: You may search for drafts that
have cleared your account. You may also list clearings by date
cleared or by check number. The oldest check available will vary
but dates will go back, at a minimum, to your last regular statement
- Additional Services: From time to time, we
will announce additional services which are available through
our Home Banking. Your use of these services will constitute acceptance
of the terms and conditions presented at the time they are announced.
We reserve the right to limit access or cancel on-line access
at any time.
Our business days are Monday through Friday. Holidays are not included.
Operating Systems and Security:
Our Home Banking site is designed to operate using world wide web
technologies and protocols which are adaptable to a wide range of
systems. The Home Banking section uses SSL encryption and requires
a browser with a current (unexpired) Thawte Root CA Security Certificate.
Some older browsers may not be able to connect to the site without
first updating the browser security certificate. Our server uses
40 to 128 bit encryption, depending on the user's browser.
Some browsers allow you to reject cookies from servers. If you don't
allow us to set a cookie upon entering the site, you will not be
able to log in. The cookie we set contains information we need for
security, and allows us to 'time out' your authority to view information.
We place the cookie with instructions that it can only be sent to
a server in our Home Banking domain (homecu.net). A cookie cannot
be used to extract data from your PC. We do not store your Access
Code, User Id or Password in your cookie.
The cookie we set will 'time out' your access authority to our
Home Banking section. Until it times out, you can come back to our
Home Banking without logging in. After the time out period, you
will need to log in again. Remember, most browsers will let you
use a BACK button to view previously visited documents, even if
your viewing authority has expired. For this reason, the only way
to keep others from viewing your account balance is to exit the
browser when you are finished with your session. The best way is
to completely close out of the Internet entirely, so the next person
to get on will have to start with a new connection and a new browser.
This is especially important if you are using a public or shared
Our Home Banking database is a private system operated for the exclusive
use of our members. We use SSL encryption and digital server authentication
to insure the privacy of your information when sending data between
our Home Banking server and your PC.
All Home Banking logins are logged by the server. For authenticated
members who use Home Banking , we collect and store certain information
such as how often you visit the Home Banking section, dates and
times of visits and which pages are being used. We use this information
for internal review and product evaluation only. We never sell,
transfer or trade this information unless we are compelled to do
so by law.
We may gather and store additional information available to us
on failed login attempts and other activity we consider a threat
to our system. In these cases, we will share this information with
other companies, agencies and law enforcement officials as we determine
necessary or as we are required by law.
Liability for Unauthorized Transfers:
Tell us AT ONCE if you believe your password has been lost or stolen
and immediately change your password from within the Home Banking
section. Calling is the best way to notify us immediately. You could
lose all the money in your account. If you tell us within two (2)
business days, you can lose no more than $50 if someone used your
password without your permission.
Also, if your statement shows transfers that you did not make,
tell us at once. If you do not tell us within sixty (60) days after
the statement was mailed to you, you may not get back any money
you lost after the sixty (60) days if we can prove that we could
have stopped someone from taking the money if you had told us in
If a good reason kept you from telling us, we will extend the time
If you believe your password has been lost or stolen or that someone
has transferred or may transfer money from your account without
your permission, call:
White Pine Credit Union
P.O. Box 266, Pierce, ID 83546
All transactions generated by you through our Home Banking service
and any Home Banking fees will appear on your monthly or quarterly
If we do not complete a transfer to or from your account on time
or in the correct amount according to our agreement/disclosure with
you, we will be liable for your losses or damages. However, there
are some exceptions. We will not be liable, for instance:
If, through no fault of ours, you do not have enough money in your
account to make the transfer;
If the Home Banking equipment or software was not working properly
and you knew about the breakdown when you started the transfer;
If circumstances beyond our control (such as fire, flood or power
failure) prevent the transfer despite reasonable precautions that
we have taken.
We shall not be responsible for any other loss, damage or injury
whether caused by the equipment, software and/or the Home Banking
service, nor shall we be responsible for any direct, indirect, special
or consequential damages arising in any way out of the installation,
use or maintenance of your equipment, software and/or service, except
where the law requires a different standard. We do not make any
warranties concerning the equipment, the software or any part thereof,
including, without limitations, any warranties of fitness for a
particular purpose or warranties of merchantability.
Errors and Questions:
In case of errors or questions about your electronic transfers,
telephone us at (208) 464-2844 or write us at P.O. Box 266, Pierce, ID 83546 as soon as you can. We must hear from you no
later than sixty (60) days after you learn of the error. You will
need to tell us:
- Your name and account number
- Why you believe there is an error and the dollar amount involved
- Approximately when the error took place.
If you tell us orally, 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
and correct any error promptly. If we need more time, we may take
up to forty-five (45) days to investigate the complaint, but you
will have the use of the funds in question after the ten (10) business
days. 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
credit your account during the investigation.
We will notify you with the results within three (3) business days
of completing our investigation. If we decide there was no error,
we will send you a written explanation. You may request copies of
the documents that we used in our investigation.
If you need more information about our error resolution procedures,
call us at the telephone number shown above.