Welcome to Fort Worth Community Credit Union

FTWCCU’s Home Banking allows you to access your accounts 24/7. You must use your Personal Identification Number (PIN) and member number to access your accounts. Your PIN will be the last 4 digits of your social security number when you log in for the first time. You will be prompted to change your PIN, so that only you know your secure PIN. Your PIN is confidential and should not be disclosed to anyone. If you disclose your PIN to another person, whether it is intentional, accidental, or negligent action, you are responsible for any such action. You waive all present and future claims against FTWCCU and release FTWCCU from all responsibility for loss or damage not caused by FTWCCU’s negligence which you might incur through unauthorized transactions of any kind from your account(s) through the custody or use of your PIN. You may change your PIN anytime, by clicking on “User Options” in home banking.

Electronic Funds Transfer Disclosure
FTWCCU Home Banking

Please read this disclosure carefully. It tells you about your rights, obligations, and use of FTWCCU Home Banking. The following discloses the Electronic Funds Transfer issues pursuant to your use of FTWCCU Home Banking, the Internet access service to your FTWCCU membership. A complete EFT Disclosure, covering all the terms and conditions of all your account relationships, access devices, other Electronic Funds Transfers, ability to withdraw funds, and Truth in Savings Disclosure is available by calling or visiting any FTWCCU office. An entire copy was provided to you when you opened your account.

Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account. Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed.

Home Banking Transfers

You may access your account(s) by any computer at www.ftwccu.ortg and using your personal identification number and member number to:

transfer funds from checking to savings
transfer funds from savings to checking
transfer funds from line of credit to checking or savings
transfer funds to and from a joint member account with proper authorization
make payments from checking to loans
make payments from checking to third parties with PC Bill Payment
get information about:
the account balances of deposit accounts
the last 6 months of deposits to savings and checking accounts
the last 6 months withdrawals from savings and checking accounts
communicate with FTWCCU using the electronic email feature or live chat

FTWCCU’s liability for failure to make transfers.

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 you have an overdraft line or NSF Proof Privilege and the transfer would go over the maximum limit.
If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
There may be other exceptions stated in our agreement with you.

Error Resolution Notice

In Case of Errors or Questions About Your Electronic Transfers. Call or Write us at (800) 817-8234 or PO Box 210848, Bedford, Texas 76095-7848, as soon as 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 must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

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 (5 business days for VISA ATM/Check Card point of sale transactions and 20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (20 business days if the transfer involved a new account) 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 business days, we may not credit your account. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened.

We will tell you the results within three 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.

* Inactive home banking accounts will be removed when there is no activity for 120 days.

Fort Worth Community Credit Union, PO Box 210848, Bedford, Texas 76095-7848
Business Days: Monday through Friday Excluding Federal Holidays
(817) 835-5000 or (800) 817-8234

03/17/2005