Account Information to Third Parties. We will disclose information to third parties about your account or the transfers you make: • Where it is necessary for completing transfers; • In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; • In order to comply with government agency or court orders; or • If you give us written permission. Regulatory Authority - If you believe that any provision of the Michigan Electronic Funds Transfer Act has been violated you should notify the Department of Insurance and Financial Services at P.O. Box 30220, Lansing, Ml 48909-7720. Error Resolution In case of errors or questions about your electronic funds transfers, call or write us at thetelephone number or address listed in this disclosure, as soon as youcan, if youthink your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. Be sure to: • Tell us your name and account number (if any). • Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time however, we may take up to 45 days to investigate your complaint or question. If we decide to do this we will credit your account within 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 in writing and we do not receive it within 10 business days, we may not credit your account. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results within three business days after completing our investigation. If we decide there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. For inquiries regarding your account, please contact us at: University of Michigan Credit Union, 000 X Xxxxx Xx., Xxx 000, Xxx Xxxxx, Ml 48104 BUSINESS DAYS: Monday, Tuesday, Wednesday, Thursday, Friday excluding Federal Holiday Closings as announced. PHONE NUMBERS: 000-000-0000 or 0-000-000-0000 or ONLINE at XXXX.XXX or XXXX@XXXX.XXX
Appears in 1 contract
Samples: Membership and Account Agreement
Account Information to Third Parties. We will not disclose information to third parties about your account or the transfers you makemake to third parties, except: • Where it is (1) as necessary for completing to complete transfers; • In order (2) to verify the existence and condition standing of your account for with us upon the request of a third third-party, such as a credit bureau or merchantbureau; • In order (3) to comply with a government agency or court orders; or • If you give us (4) in accordance with member’s rights under the Financial Privacy Act; (5) in accordance with your written permission. Regulatory Authority - If you believe that any provision of the Michigan Electronic Funds Transfer Act has been violated you should notify the Department of Insurance and Financial Services at P.O. Box 30220, Lansing, Ml 48909-7720. Error Resolution In case of errors or questions about your electronic funds transfers, call telephone us at 000.000.0000 (U.S.) or 00800.4728.2000 (Int’l), or write us at thetelephone number or address listed in this disclosureP.O. Box 1268, Portsmouth, NH 03802-1268 as soon as youcan, if youthink you can. If you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We , we must hear from you no later than 60 sixty (60) days after we sent the FIRST statement on which the problem or error appeared. Be sure to: • Tell us your name and account number (if any)number. • Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • Tell us the dollar amount of the suspected error. If you tell us orallyverbally, we may require that you send us your complaint or question in writing within 10 ten (10) business days. We will determine whether an error occurred within 10 ten (10) business days after we hear from you and will correct any error promptly. If we need more time time, however, we may take up to 45 forty five (45) days to investigate your complaint or question. If we decide to do this this, we will credit your account within 10 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 10 ten (10) business days, we may not credit your account. For errors involving new accounts, pointPoint-of-sale, Sale or foreign-initiated transactions, we may take up to 90 ninety (90) days to investigate your complaint or question. For new accounts, we may take up to 20 twenty (20) business days to credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. For inquiries regarding your account, please contact us at: University of Michigan Credit Union, 000 X Xxxxx Xx., Xxx 000, Xxx Xxxxx, Ml 48104 BUSINESS DAYS: Monday, Tuesday, Wednesday, Thursday, Friday excluding Federal Holiday Closings as announced. PHONE NUMBERS: 000-000-0000 or 0-000-000-0000 or ONLINE at XXXX.XXX or XXXX@XXXX.XXX
Appears in 1 contract
Samples: servicecu.org
Account Information to Third Parties. We will not disclose information to third parties about your account or the transfers you makemake to third parties, except: • Where it is (1) as necessary for completing to complete transfers; • In order (2) to verify the existence and condition standing of your account for with us upon the request of a third third-party, such as a credit bureau or merchantbureau; • In order (3) to comply with a government agency or court orders; or • If you give us (4) requests for information in the context of litigation, such as subpoenas; (5) in accordance with member’s rights under the Financial Privacy Act; (6) in accordance with your written permission. Regulatory Authority - If you believe that any provision of the Michigan Electronic Funds Transfer Act has been violated you should notify the Department of Insurance and Financial Services at P.O. Box 30220, Lansing, Ml 48909-7720. Error Resolution In case of errors or questions about your electronic funds transfers, call telephone us at 000.000.0000 (U.S.) or 00800.4728.2000 (Int’l), or write us at thetelephone number or address listed in this disclosureP.O. Box 1268, Portsmouth, NH 03802-1268 as soon as youcan, if youthink you can. If you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We , we must hear from you no later than 60 sixty (60) days after we sent the FIRST statement on which the problem or error appeared. Be sure to: • Tell us your name and account number (if any)number. • Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • Tell us the dollar amount of the suspected error. If you tell us orallyverbally, we may require that you send us your complaint or question in writing within 10 ten (10) business days. We will determine whether an error occurred within 10 ten (10) business days after we hear from you and will correct any error promptly. If we need more time time, however, we may take up to 45 forty five (45) days to investigate your complaint or question. If we decide to do this this, we will credit your account within 10 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 10 ten (10) business days, we may not credit your account. For errors involving new accounts, pointPoint-of-sale, Sale or foreign-initiated transactions, we may take up to 90 ninety (90) days to investigate your complaint or question. For new accounts, we may take up to 20 twenty (20) business days to credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. For inquiries regarding your account, please contact us at: University of Michigan Credit Union, 000 X Xxxxx Xx., Xxx 000, Xxx Xxxxx, Ml 48104 BUSINESS DAYS: Monday, Tuesday, Wednesday, Thursday, Friday excluding Federal Holiday Closings as announced. PHONE NUMBERS: 000-000-0000 or 0-000-000-0000 or ONLINE at XXXX.XXX or XXXX@XXXX.XXX
Appears in 1 contract
Samples: Account Agreement
Account Information to Third Parties. We will not disclose information to third parties about your account or the transfers you makemake to third parties, except: • Where it is (1) as necessary for completing to complete transfers; • In order (2) to verify the existence and condition standing of your account for with us upon the request of a third third-party, such as a credit bureau or merchantbureau; • In order (3) to comply with a government agency or court orders; or • If you give us (4) requests for information in the context of litigation, such as subpoenas; (5) in accordance with member’s rights under the Financial Privacy Act; (6) in accordance with your written permission. Regulatory Authority - If you believe that any provision of the Michigan Electronic Funds Transfer Act has been violated you should notify the Department of Insurance and Financial Services at P.O. Box 30220, Lansing, Ml 48909-7720. Error Resolution In case of errors or questions about your electronic funds transfers, call telephone us at 000.000.0000 (U.S.) or 00800.4728.2000 (Int’l), or write us at thetelephone number or address listed in this disclosureP.O. Box 1268, Portsmouth, NH 03802-1268 as soon as youcan, if youthink you can. If you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We , we must hear from you no later than 60 sixty (60) days after we sent the FIRST statement on which the problem or error appeared. Be sure to: • Tell us your name and account number (if any)number. • Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • Tell us the dollar amount of the suspected error. If you tell us orallyverbally, we may require that you send us your complaint or question in writing within 10 ten (10) business days. We will determine whether an error occurred within 10 ten (10) business days after we hear from you and will correct any error promptly. If we need more time time, however, we may take up to 45 forty-five (45) days to investigate your complaint or question. If we decide to do this this, we will credit your account within 10 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 10 ten (10) business days, we may not credit your account. For errors involving new accounts, pointPoint-of-sale, Sale or foreign-initiated transactions, we may take up to 90 ninety (90) days to investigate your complaint or question. For new accounts, we may take up to 20 twenty (20) business days to credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. For inquiries regarding your account, please contact us at: University of Michigan Credit Union, 000 X Xxxxx Xx., Xxx 000, Xxx Xxxxx, Ml 48104 BUSINESS DAYS: Monday, Tuesday, Wednesday, Thursday, Friday excluding Federal Holiday Closings as announced. PHONE NUMBERS: 000-000-0000 or 0-000-000-0000 or ONLINE at XXXX.XXX or XXXX@XXXX.XXX
Appears in 1 contract
Samples: Account Agreement
Account Information to Third Parties. We will disclose information to third parties about your account or the transfers you make: • ï Where it is necessary for completing transfers; • ï In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; • ï In order to comply with government agency or court orders; or • ï If you give us written permission. Regulatory Authority - If you believe that any provision of the Michigan Electronic Funds Transfer Act has been violated you should notify the Department of Insurance and Financial Services at P.O. Box 30220X.X. Xxx 00000, LansingXxxxxxx, Ml 48909Xx 00000-77200000. Error Resolution In case of errors or questions about your electronic funds transfers, call or write us at thetelephone the telephone number or address listed in this disclosure, as soon as youcanyou can, if youthink you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. Be sure to: • Tell us to: ï Tellus your name and account number (if any). • ï Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • ï Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business daysdays . We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time however, we may take up to 45 days to investigate your complaint or question. If we decide to do this we will credit your account within 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 in writing and we do not receive it within 10 business days, we may not credit your account. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results within three business days after completing our investigation. If we decide there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. For inquiries regarding your account, please contact us at: University of Michigan Credit Union, 000 X Xxxxx Xx., Xxx 000, Xxx Xxxxx, Ml 48104 48104 BUSINESS DAYS: Monday, Tuesday, Wednesday, Thursday, Friday excluding Federal Holiday Closings as announced. PHONE NUMBERS: 000-000-0000 or 0-000-000-0000 or ONLINE at XXXX.XXX or XXXX@XXXX.XXXXXXX@XXXX.XXX University of Michigan Credit Union FI-to-FI Transfer Service Agreement and Disclosure General Description Within Online Banking, you have the option of participating in the Financial Institution to Financial Institution Service in accordance with the terms and conditions of this Agreement. The Financial Institution to Financial Institution Service allows you to transfer funds between your personal deposit checking accounts at University of Michigan Credit Union (UMCU) and certain deposit or investment accounts at other U.S. financial institutions. An inbound transfer moves funds into an account you own at UMCU from an account outside UMCU. An outbound transfer moves funds from an account you own at UMCU to an account outside UMCU. Please read this Agreement and Disclosure carefully. It includes your rights and obligations, as well as those of UMCU. The terms and conditions of this Agreement are in addition to the account agreements, disclosures, fee schedules, and other documents in effect from time to time governing your account(s). By enrolling and/or using the Financial Institution to Financial Institution Service, or authorizing another party to use the Service, you agree to comply with the terms and conditions of this Agreement. You also acknowledge by using this Service that you have downloaded, printed, or otherwise received a copy of the terms and conditions and that you understand them. You also agree to all future updates to the Agreement and Disclosure. Any changes to the Agreement and Disclosure will be available at xxxx.xxx or by contactingUMCU. Your initial use of the Financial Institution to Financial Institution Service constitutes your acceptance and agreement to be bound by all the terms and conditions of this Agreement and by all other UMCU Documents relating to your accounts and acknowledge your receipt and understanding of this Agreement. Enrollment/Eligibility You must be enrolled in Online Banking Services to use the Financial Institution to Financial Institution Service. The Financial Institution to Financial Institution Service is not available for some accounts, e.g., irrevocable trust accounts, custodial accounts or guardianship accounts. You must be at least 18 years of age in order to request the Financial Institution to Financial Institution Service. Your UMCU account(s) must be open at least 30 days and be in good standing. You will need to provide certain identifying information about each non-UMCU account in order to register that account for this service. Before you can begin making transfers to or from an account held at another financial institution, the account you wish to use must be verified. We will tell you when we enable Financial Institution to Financial Institution transfers what your verification method will be. The external account may receive a small ACH credit for an undisclosed amount. If this verification method is used, you will need to enter the amount of the credit in the FI Transfer Section within seven days in order to complete the verification process. Transaction Routing and Compliance You agree that UMCU may use any means or routes which we in our sole discretion consider suitable to execute your transfer. You agree that all transfers will be subject to applicable U.S. federal laws and regulations, Federal Reserve operating circulars governing payment orders, and National Automated Clearing House Association rules. Initiating and Scheduling Transfers After the verification process is complete, you may begin establishing transfers. Transfers can be scheduled on either a one-time or a recurring basis. Processing of one-time transfers may be initiated immediately or scheduled for initiation on a future date. Transfers may be scheduled in advance. The recurring transfer feature may be used when a set amount is transferred at regular intervals. For example, you may schedule a $500 transfer from an account you own at another financial institution to your University of Michigan Credit Union checking account every other week on a specified week day. For one-time and recurring transfers you will be asked to select the date that you want us to initiate the processing of the transfer. One-time future-dated or recurring transfers scheduled for a weekend or a non-business day will be processed on the next business day.
Appears in 1 contract
Samples: Membership and Account Agreement
Account Information to Third Parties. We will disclose information to third parties about your account or the transfers you make: • ï Where it is necessary for completing transfers; • ï In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; • ï In order to comply with government agency or court orders; or • ï If you give us written permission. Regulatory Authority - If you believe that any provision of the Michigan Electronic Funds Transfer Act has been violated you should notify the Department of Insurance and Financial Services at P.O. Box 30220X.X. Xxx 00000, LansingXxxxxxx, Ml 48909Xx 00000-77200000. Error Resolution In case of errors or questions about your electronic funds transfers, call or write us at thetelephone the telephone number or address listed in this disclosure, as soon as youcanyou can, if youthink your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. Be sure to: • Tell us to: ï Tellus your name and account number (if any). • ï Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • ï Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time however, we may take up to 45 days to investigate your complaint or question. If we decide to do this we will wi ll credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during durin g the time it takes us to complete our investigation. If we ask you to put your complaint in writing and we do not receive it within 10 business days, we may not credit your account. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results within three business days after completing our investigation. If we decide there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. For inquiries regarding your account, please contact us at: University of Michigan Credit Union, 000 X Xxxxx Xx., Xxx 000, Xxx Xxxxx, Ml 48104 BUSINESS DAYS: Monday, Tuesday, Wednesday, Thursday, Friday excluding Federal Holiday Closings as announced. PHONE NUMBERS: 000-000-0000 or 0-000-000-0000 or ONLINE at XXXX.XXX or XXXX@XXXX.XXX48104
Appears in 1 contract
