This page explains the terms and conditions for using our
E-Banking Service and provides certain disclosures and information
to you concerning the service. Each of your accounts at Chicago
Area Office Federal Credit Union is also governed by the applicable
account disclosure/agreement and Truth In Savings disclosure
you received when you opened your account.
How To Access Your Accounts:
To access your accounts through our E-Banking service, you
must have your account number and an E-Banking password. This
information is requested when you enter our E-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 E-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 Chicago Area
Office Federal Credit Union at once at (312) 575-5600 .
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 E-Banking service, call (312) 575-5600 or visit
the credit union for these functions.
To get an initial password for the E-Banking service, visit
the credit union office or call us at (312) 575-5600 .
There is currently no fee for accessing your account(s) through
our E-Banking service. We reserve the right impose / change
the fee amount, if necessary, after providing 30 days notice
to all users at the E-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 related fees.
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 E-Banking service may be
updated several times per day for your convenience in viewing
- Password Changes: If you are an E-Banking
user, you may change your password at any time from within
the E-Banking section. For your protection we recommend
that you change your E-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 date.
- Additional Services: From time to time,
we will announce additional services which are available
through our E-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
Operating Systems and Security:
Our E-Banking site is designed to operate using world wide
web technologies and protocols which are adaptable to a wide
range of systems. The E-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 E-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 E-Banking section. Until it times out, you can come back
to our E-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 computer.
Our E-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 E-Banking server and your PC.
All E-Banking logins are logged by the server. For authenticated
members who use E-Banking , we collect and store certain information
such as how often you visit the E-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
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 E-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
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.
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:
Chicago Area Office Federal Credit Union
600 West Madison Street
Chicago, IL 60661
All transactions generated by you through our E-Banking service
and any E-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 E-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
E-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
Errors and Questions:
In case of errors or questions about your electronic transfers,
telephone us at (312) 575-5600 or write us at 600 West Madison
Street, Chicago, IL 60661 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
- 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.