Important Account Disclosure Information

You must read the following important disclosure statement and be a BFFCU member before applying for Bucks Online Access.

THE BUCKS ONLINE DISCLOSURE

Bucks First Federal Credit Union (BFFCU or we) and the below named member(s) (member or you) hereby agree as follows:

1. Bucks Online Services

Member hereby applies to BFFCU for Bucks Online services. In order to remain eligible for Bucks Online, member must remain a member of BFFCU in good standing. The following transactions may be performed by the member through Bucks Online:

• Transfers. You may transfer funds between your BFFCU Share or Loan Accounts. Transfers from any share except Share Draft (Checking) are limited to six (6) per calendar month in any combination of online, pre-authorized and telephone transfers.
  
  Transfers done through Bucks Online DO NOT immediately charge or credit your account. Transfers will be effective the next business day after the date of such transaction.

• Additional Services. From time to time, BFFCU will announce additional services, which are available through Bucks Online. Your use of these services will constitute acceptance of the terms and conditions presented at the time they are announced.

• Access Limitations. BFFCU reserves the right to limit the amount of on-line access per month or per session

2. Operating Systems

Our internet 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. We check your certificate and provide update information, if necessary, when you enter the home banking site.

3. Bucks Online PIN (Personal Identification Number)

You hereby acknowledge that you have reviewed and read the appropriate disclosure pertaining to Bucks Online and agree to the terms of the disclosure. You agree that use of Bucks Online by other persons will give them access to any of your Share, Share Draft, IRA, Certificate and Loan Accounts. Access to a member account will be by means of a member's PIN. You agree not to make your PIN available to any other person. If you believe your PIN has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call (215) 788-5270 between 9a.m. and 5 p.m. Monday through Friday, or write us at 2104 Bath Rd., Bristol, PA 19007.

You may change your PIN at any time from within the Bucks On-Line service. We suggest you change your PIN from time to time and do so immediately if you believe another person has gained access to this information.

4. Liability for Unauthorized Transfers

• Liability disclosure. Tell us AT ONCE if you believe your PIN has been lost or stolen and immediately change your PIN. Telephoning is the best way of limiting your potential losses. 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 PIN without your permission.
  
  If you do NOT tell us within two (2) business days after you learn of the loss or theft of your PIN, and we can prove we could have stopped someone from using your PIN 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 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 time.

  If a good reason kept you from telling us, we will extend the time periods.

• Address and telephone number. If you believe your PIN has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call:

(215) 788-5270  or (800) 450-5656 (nationwide)

or write:

Bucks First FCU
2104 Bath Road
Bristol, PA 19007

5. Charges

BFFCU does not intend to charge a fee for this service. We do, however, reserve the right to do so in the future and will provide 30 days advance notice to all users through the system.

6. Statements

All transactions generated by you through Bucks Online and any Bucks Online fees will appear on your monthly or quarterly statement.

7. Our Liability

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, for instance:

• If, through no fault of ours, you do not have enough money in your account to make the transfer;
• If the Bucks Online 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 or flood) 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 Bucks Online 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 Bucks Online, 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.

8. Errors and Questions

In case of errors or questions about your electronic transfers, telephone us at (215) 788-5270 or write us at 2104 Bath Rd., Bristol, PA 19007 or email us at ms@bucksfirstfcu.org 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.

If we decide that there was no error, we will send you a written explanation within three (3) business days after we finish our investigation. You may ask for 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.

9. Business Day

Our business days are Monday through Friday. Holidays not included.

10. Governing Law

This agreement shall be governed by and constructed in accordance with the laws of the State of Pennsylvania.

Important Account Disclosure Information

You must read the following important disclosure statement and be a BFFCU member before applying for Internet Bill Payer services.

BUCKS FIRST F.C.U. ELECTRONIC BILL PAYMENT SERVICES
CONSUMER AGREEMENT AND INITIAL DISCLOSURES

This is your bill paying agreement with Bucks First Federal Credit Union

You may use Bucks First Federal Credit Union’s bill paying service, “Internet Bill Payer”, to direct Bucks First Federal Credit Union to make payments from your designated checking account to the "Payees" you choose in accordance with this agreement. The terms and conditions of this agreement are in addition to the account agreements, disclosures and other documents in effect from time to time governing your account (The Account Rules).

"You" or "Your" means each person who is authorized to use the service. "Payee" means anyone, including the Credit Union, you designate and the Credit Union accepts as a "Payee".

1. HOW TO SET UP PAYEES/PAYMENTS

   • If you want to add a new "PAYEE", select the "Payee" tab located in your Bill Pay application or speak to a service representative.
   • You may add a new fixed payment to a "Payee" by accessing the service and entering the appropriate information. Most other additions, deletions, or changes can be made in writing or by using the service.
   • The Credit Union reserves the right to refuse the designation of a "Payee" for any reason.
   • You may pay any "Payee" with-in the United States (including U.S. territories and APO’s / AEO’s).
   • The Credit Union is not responsible for payments that can not be made due to incomplete, incorrect, or outdated information.

2. THE BILL PAYING PROCESS

   Single Payments - a single payment will be processed on the business day (generally Monday through Friday, except credit union and federal reserve holidays) that you designate as the payment’s process date, provided the payment is submitted prior to the daily cut-off time on that date. The daily cut-off time, which is controlled by the Credit Union, is currently 2:00 PM Eastern. Payments may range in amounts up to Ten Thousand Dollars ($10,000.00).

   A single payment submitted after the cut-off time on the designated process date will be processed on the next business day. If you designate a non-business date (generally weekends and certain holidays) as the payment’s process date, the payment will be processed on the first business day following the designated process date.

   Recurring Payments - When a recurring payment is processed, it is automatically rescheduled by the system. Based upon your selected frequency settings for the payment, a process date is calculated for the next occurrence of the payment. If the calculated process date is a non-business date (generally weekends and federal reserve holidays), it is adjusted based upon the following rules:
   
   

   • If the recurring payment‘s "Pay Before" option is selected, the process date for the new occurrence of the payment is adjusted to the first business date prior to the calculated process date.
   • If the recurring payment’s "Pay After" option is selected, the process date for the new occurrence of the payment is adjusted to the first business date after the calculated process date.
   
   Note: If your frequency settings for the recurring payment specify the 29th, 30th, or 31st as a particular day of the month for processing and that day does not exist in the month of the calculated process date, then the last calendar day of that month is used as the calculated process date.

3. SINGLE AND RECURRING PAYMENTS

   The system will calculate the Estimated Arrival Date of your payment, this is only an estimate, please allow ample time for you payments to reach your "Payees".

4. CANCELLING A PAYMENT

   A bill payment can be changed or cancelled, anytime prior to the cutoff time on the scheduled process date.

5. AVAILABLE FUNDS

   You agree to have available and collected funds on deposit in the account you designate in amounts sufficient to pay for all requested bill payments, as well as any other payment obligations you have to the Credit Union.

   • The Credit Union reserves the right, without liability, to reject or reverse a bill payment if you fail to comply with the above requirement or any other term of this agreement.
   • If you do not have sufficient funds in the account and the Credit Union has not exercised its right to reverse or reject a bill payment, you agree to pay for such payment obligations on demand.
   • You further agree the Credit Union, at its option, may charge any of your accounts with the Credit Union to cover such payment obligations.

   The Credit Union reserves the right to change the cut-off time. You will receive notice if it changes.

6. LIABILITY

   • You are solely responsible for controlling the safekeeping of and access to, your Personal Identification Number (PIN).
   • If you want to terminate another person's authority, you must notify the Credit Union and arrange to change your PIN. You will be responsible for any bill payment request you make that contains an error or is a duplicate of another bill payment.
   • The Credit Union is not responsible for a bill payment that is not made if you did not properly follow the instructions for making a bill payment.
   • The Credit Union is not liable for any failure to make a bill payment if you fail to promptly notify the Credit Union after you learn that you have not received credit from a "Payee" for a bill payment.
   • The Credit Union is not responsible for your acts or omissions or those of any other person, including, without limitation, any transmission or communications facility, and no such party shall be deemed to be the Credit Union's agent.
   • In any event, the Credit Union will not be liable for any special, consequential, incidental, or punitive losses, damages, or expenses in connection with this agreement or the service, even if the Credit Union has knowledge of the possibility of them.
   • The Credit Union is not liable for any act, failure to act or delay in acting if it is caused, in whole or in part, by any cause beyond the Credit Union's reasonable control.

7. AMENDMENT TERMINATION

   The Credit Union has the right to change this agreement at any time by notice mailed to you at the last address shown for the account on the Credit Union's records, by posting notice in branches of the Credit Union, or as otherwise permitted by law.

   • The Credit Union has the right to terminate this agreement at any time.
   • You may terminate this agreement by written notice to the Credit Union.
   • The Credit Union is not responsible for any fixed payment made before the Credit Union has a reasonable opportunity to act on your termination notice.
   • You remain obligated for any payments made by the Credit Union on your behalf.
8. SERVICE FEES

   There is no monthly charge for this service. There is a $5.00 monthly inactivity fee after 30 days of non-use. Other fees include a $30.00 insufficient funds fee if there are not enough funds available to cover the requested bill payment. There is a $15.00 stop payment fee if you wish to stop a bill payment request and there is a $5.00 charge for a copy of a cleared bill payment check. The total amount of your monthly fees will be deducted from your checking account on approximately the fifth business day of each month for the previous month’s charges. Changes may be made from time to time and we will give you prior notice either in writing or electronically.

   Miscellaneous Product Fees:
   

   • Overnight Fee: $14.95
   • 2nd Day Fee: $9.95 Standard or $4.95 Economy
   • Charitable Donations: $1.99
   • Gift Pay: $2.99

9. CONTACT IN EVENT OF UNAUTHORIZED TRANSFER

   If you believe your User ID and Password has been lost or stolen, or that someone to whom you have granted authority to use your User ID and Password has exceeded such authority, or that someone has transferred or may transfer money from your Account(s) without your permission, call us immediately at:

   (215) 788-5270 or (800) 450-5656 (nationwide)

   or write:

   Bucks First FCU
   2104 Bath Road
   Bristol, PA 19007

   or email:

   ms@bucksfirstfcu.org

10. WAIVERS

    No delay or omission by us in exercising any rights or remedies hereunder shall impair such right or remedy or be construed as a waiver of any such right or remedy. Any single or partial exercise of a right or remedy by us shall not preclude us from further exercise or the exercise of any other right or remedy. No waiver shall be valid unless in writing and signed by us.

11. GOVERNING LAW

    This Agreement shall be governed by and construed in accordance with the laws of Commonwealth of Pennsylvania without regard to that state's conflict of law provisions.

12. ARBITRATION

    IF A DISPUTE ARISES OUT OF OR RELATES TO THIS AGREEMENT AND IF SAID DISPUTE CANNOT BE SETTLED THROUGH DISCUSSIONS, YOU AGREE THAT ANY CONTROVERSY OR CLAIM ARISING OUT OF OR RELATING TO THIS AGREEMENT, OR INVOLVING THE CONSTRUCTION OR APPLICATION OF ANY OF THE TERMS, COVENANTS OR CONDITIONS OF THIS AGREEMENT, BE SETTLED BY ARBITRATION TO BE HELD IN THE METROPOLITAN AREA OF HARRISBURG, PENNSYLVANIA IN ACCORDANCE WITH THE RULES OF THE AMERICAN ARBITRATION ASSOCIATION, AND JUDGMENT UPON THE AWARD RENDERED BY THE ARBITRATOR(S) SHALL BE BINDING UPON YOU AND MAY BE ENTERED IN ANY COURT HAVING JURISDICTION THEREOF.

13. AMENDMENTS

    We may amend or change any of the terms and conditions of this Agreement at any time upon reasonable electronic notice to you. If you do not agree to the change or amendment, you may notify us prior to the effective date of the change or amendment and cancel your access to the Service. Your continued use of the Service after the effective date of change will be deemed acceptance of the change or amendment.

14. SEVERABILITY

    If any provision of this Agreement is determined to be void or invalid, the remainder of this Agreement shall remain in full force and effect

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