Overview

Children's Medical Center Federal Credit Union is committed to providing you with competitive products and services to meet your financial needs and help you reach your goals. We are also committed to protecting the privacy of our members. We are required under federal law to give you a privacy notice that describes our credit union's privacy policy regarding information we collect and disclose about our members.

Along with the privacy policy, we have also provided our home banking disclosure and our third party links disclosure. Please review each disclosure below.

Home Banking Disclosure

This Online Banking Disclosure as amended from time to time sets forth the terms and conditions governing the use of Children's Medical Center Federal Credit Union's Online Banking electronic services. Disclosure information is given below.

Please read this completely and retain it with your personal records. By using, or allowing another person to use, Online Banking services offered by CMC Federal Credit Union, you are agreeing to be bound by the terms and conditions of this agreement.

The following information describes the types of electronic funds transfers which are available to members through Online Banking and your rights and responsibilities concerning these transactions, including your rights under the Electronic Funds Transfer Act. Please read this document carefully. Some of the information may not pertain to you.

By accessing the Online Banking services, you acknowledge electronic receipt of the Online Banking Disclosure and Agreement in its entirety and will abide by its terms and conditions. You understand that the credit union will not provide you with a paper copy unless you specifically request it.

You will receive a monthly statement of account for each month in which there are transactions or activity on your account. In any case, you will receive a quarterly statement.

Electronic Funds Transfer

An Electronic Funds Transfer  (EFT) is any transaction involving funds initiated through an electronic terminal, telephone line, computer or magnetic tape authorizing the credit union to debit or credit your account.

Types of Electronic Fund Transfers Available

With your password and access to the world wide web you may make the following transactions at any time 24 hour per day:

balance inquiries, account and loan history inquiries, check clearing inquires, transfer from one of your accounts to another one of your accounts (under the same member number), loan payments to your loans, request a withdrawal from your savings or checking account or apply for a loan.

Transactions involving your accounts will be subject to your Membership and Account Agreement and Disclosures.

Limits on Withdrawals or Transfers

Limitations on the frequency and dollar amounts of transactions made to and from your accounts are:

-withdrawals and transfers from an account are limited to the available funds in the account.

-Regulation D, at the discretion of the credit union, requires that no more than three (3) preauthorized automatic, telephone, internet transfers or withdrawals may be made from your savings accounts during any quarter without charge.

-Online Banking does not permit withdrawals or transfers to or from Individual Retirement Accounts.

Consumer Liability for Unauthorized Transfers

Tell us AT ONCE if you believe your account number or PIN has been lost or stolen or if any of your accounts have been accessed without your authority. If you tell us within sixty(60) days of our sending you the statement on which the unauthorized use appears, you can lose no more than $50.00 if someone used your PIN without your permission.

If your statement shows transactions that you did not make, tell us AT ONCE. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 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 valid reason (such as a hospital stay) kept you from telling us, we may extend the time periods on a case-by-case basis, as determined by management.

If you have authorized someone else to use the PIN, you are responsible for all the transactions that person initiates at any time, even if the amount or transactions exceed what you may have authorized.

If you believe your account number or PIN has been lost or stolen or someone has transferred or may transfer money from your account without your permission, call us at (513)636-4470, or write to us at : 3333 Burnet Ave. Mail Location 5010, Cincinnati, Ohio 45229.

We must hear from you within sixty (60) days after we sent you the first statement on which the problem or error appeared. You must provide the following:

-Your name and account number

-Description of the error you are unsure about, and why you believe it is an error or why you need more information

-The dollar amount of the suspected error

If you tell us verbally, we will require that you send us your complaint in writing within ten (10) business days or we may not credit your account. We will tell you the results of the investigation within ten (10) business days after we hear from you and will correct any errors promptly. If we need more time we may take up to forty-five (45) days to investigate your complaint or question. If we decide to do this we will credit your account for the amount you think is in error so that you will have use of the money during the time it takes us to complete the investigation. If the alleged error pertains to a point of sale or transaction outside of the United States or Puerto Rico, then the forty-five (45) calendar days become 90 calenday days. If the alleged error occurs within the first 30 days of opening the account and depositing to a new account the 10 business days become 20 and the 45 calendar days become 90. If we decide there was no error, we will send you a written explanation within 3 business days after we finish our investigation. You may ask for copies of the documents used in our investigation.

Our Business Days, for purposes of these disclosures, are Monday through Friday, 7:30 AM-4:00 PM. Please call the credit union office for further information.

There are no monthly charges for our Online Banking.

Preauthorized Payments

The credit union will charge your account if it must dishonor a preauthorized transfer from your account due to insuffucuent funds or if a stop payment  order is received. See Fee schedule for further information.

Disclosure of Account Information to Third Parties

Information about your account is confidential. We will not disclose such information to third parties except where necessary to complete a transfer, to report or confirm the condition of your account for a credit bureau, or in order to comply with a government agency or if you give us your written permission.

Third Party Links Disclosure

Our site contains hyperlinks to other sites operated by third parties. These links take you away from our website. Children's Medical Center Federal Credit Union does not guarantee the accuracy or completeness of the information presented on these sites nor does Children's Medical Center Federal Credit Union represent either the third party or our member if they enter into a transaction. The third party's privacy policy and security policies may be different from those of the credit union.

We encourage our members to know when they leave our site to read the privacy policies of each website that collects personally identifiable information. Our Privacy Policy applies only to information collected by Children's Medical Center Federal Credit Union.

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