Home Banking Disclosure

Home Banking Disclosure.

The terms that govern your use of online and mobile banking at Pacific Spruce Federal Credit Union. Review this disclosure before enrolling.

Definitions

In this disclosure, “we,” “us,” “our” or “Credit Union” refers to Pacific Spruce Federal Credit Union (PSFCU). “You” or “your” refers to the member enrolled in home banking. “Home Banking” refers to our online banking portal and mobile application and the services accessed through them.

Services offered

Through Home Banking you may:

  • View account balances, transaction history and statements.
  • Transfer funds between your Pacific Spruce accounts.
  • Make bill payments to registered payees.
  • Deposit eligible checks via mobile capture.
  • Send and receive secure messages with our staff.
  • Manage debit-card controls, alerts and travel notices.
  • Update your contact information and account preferences.

Access & security

Home Banking is available 24/7, except during scheduled maintenance or events outside our reasonable control. To access Home Banking you need a compatible device, internet access, your member number, and the credentials you set during enrollment.

You are responsible for safeguarding your username, password, PIN, one-time codes and any device used to access Home Banking. Never share these with any third party. We will never ask you for your full password or a one-time authentication code by phone, email or text — more on our security page.

Transfers & limits

Certain transfers are subject to daily or monthly limits set by the Credit Union or required by regulation. Mobile deposit has a per-item and daily dollar cap. Holds may apply to deposited checks in accordance with our Funds Availability Policy.

Fees

Home Banking and its core features — including mobile deposit and standard bill pay — are offered at no charge to members in good standing. Fees may apply to expedited bill payments, returned items, stop payments and other special services; refer to our current Schedule of Fees, available on the Forms & Disclosures page.

Your liability for unauthorized transactions

Under federal Regulation E, your liability for unauthorized electronic-funds transfers is limited if you tell us promptly. If you believe your credentials or a device has been lost, stolen or compromised, notify us within two business days to minimize your potential liability. Contact us immediately to report any unauthorized transaction.

Error resolution

If you think an error has occurred on your account, contact us no later than 60 days after the first statement on which the problem appeared. We will need your name and account number, a description of the transaction you believe is in error, and the dollar amount. We will investigate and resolve the claim in accordance with Regulation E.

Termination

You may cancel Home Banking at any time by contacting the Credit Union. We may terminate or suspend your access for extended inactivity, violation of these terms, or any reason permitted by law or our Membership and Account Agreement.

Contact

To report a problem, ask a question, or cancel Home Banking:

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Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

Ready to bank from your phone?

Enroll in Home Banking.

Setup takes about two minutes. You’ll need your member number.

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