Google+ Online Banking Disclosure - One Nevada Credit Union | Serving Las Vegas, Pahrump and Reno, Nevada - Loans, Checking, Savings, Investments and Insurance

SilverLink Online Disclosure

SilverLink Online Banking

Your Rights and Responsibilities

Please read this disclosure carefully and keep it for future reference. It tells you your rights and obligations for SilverLink Online. The types of transactions SilverLink Online is capable of handling are indicated below. Some of these transactions may not apply to your account.

Type of Transactions

You may access your account with SilverLink Online to:

Mobile Check Deposit

Mobile Deposit Capture

The One Nevada mobile deposit capture services ("Services") are designed to allow you to make Eligible Item deposits to your One Nevada checking, savings, or money market savings accounts using an Eligible Device (as defined below) to transmit item images and deposit information to us. Once accepted, your Eligible Items will be either processed electronically or converted to Substitute Checks based on the information you provide. There is currently no charge for the Services. We reserve the right to impose charges for the Services in the future.


Hardware and Software:

To use the Services, you must obtain and maintain an Eligible Device and all other hardware and software it requires, at your own expense. We assume no responsibility for defects, failures or incompatibility of any equipment used in connection with the Services, whether or not it is an Eligible Device, or any third party software you may need to use the equipment or the Services.

Hours of Operation; Processing Cut-off Hour:

You can use the Services 24 hours a day, seven days a week, except when they are unavailable due to maintenance or system outages. Images of Eligible Items and deposit information received by us before 7:30 pm Eastern Time on a business day will be processed on that business day. Images received after 7:30 pm Eastern Time or on a Saturday, Sunday, or Credit Union holiday will be processed the next business day.

Image Quality:

Each image transmitted to us using the Services must be legible. In addition, image quality must comply with the requirements established from time to time by ANSI, the Board of Governors of the Federal Reserve, and other regulatory agencies, clearing houses or associations, as applicable.

Endorsement Requirement:

Prior to scanning any item through the Services, you are to restrictively endorse the original item "For Deposit Only, One Nevada Credit Union, account #_________" or as otherwise instructed by us.

Confirmation of Receipt of Images:

You will receive an electronic confirmation of successful transmission of the image of your Eligible Item. An image shall be deemed received only when you receive a confirmation from us that we have received the image. However, Please Note: Confirmation of receipt does not mean that the transmission was error free or complete.

Deposit Limits:

The following deposit limits apply to your use of the Services:

We reserve the right to refuse to accept or process any deposits exceeding these limits, to change limits, and to impose additional limits, from time to time in our sole discretion.


The manner in which items are cleared, presented for payment, and collected shall be in the Credit Union’s sole discretion and in accordance with the One Nevada Membership Agreement and Credit Union policies applicable to your accounts.

Availability of Funds:

Funds from deposits via the Services are generally available to you on the same Business Day your deposit is received. In some cases, depending on the type of item you deposit, funds availability may be delayed. In such cases we will send you a notice by the next Business Day as to when funds will be available. If you will need the funds from a deposit right away, you should call us to confirm when the funds (or a portion of the funds) will be available. Your Membership Agreement and Disclosure (available via our website "Disclosures" page) contains our complete Funds Availability policy.

Storage and Destruction of Original Items:

When you receive confirmation that One Nevada has received your item image, you are to clearly mark the item ”Electronically Presented“ or ”VOID“, or properly dispose of (for example, shred) the item to ensure it is not represented for payment. Upon request, you must promptly provide us with any item you retained (or legible copies of its front and back) to aid in the clearing and collection process, resolving third party claims, or for our audit purposes.

Returned Items and Right of Chargeback:

If any item you deposit through the Services is dishonored or otherwise returned unpaid, we will return the item to you in the form of a Substitute Check and charge back your account for the amount of the item plus any applicable fees in accordance with your Membership Agreement. A returned-item Substitute Check may be re-deposited only in person by taking it to a One Nevada branch. You may not redeposit the original item through the Services.


You are to notify us right away of any suspected errors regarding items deposited through the Services, in no event later than 60 days after the applicable One Nevada account statement is sent. Unless you notify us within 60 days, the account statement shall be deemed correct, and you are barred from bringing a claim against us for alleged errors regarding any Services deposits shown on the statement.

You agree, warrant and represent that you will:

You agree that we will:

You agree that we will not:

Limitations, Changes, Suspension or Termination of Services:

We reserve the right to change, limit, suspend or discontinue the Services or your use of the Services, in whole or in part, at any time without notice. Your continued use of the Services will constitute your acceptance of any changes to the Services. We may immediately and without notice terminate, suspend or limit the Services, or your use of the Services, if in our sole judgment, we believe there has been a security breach affecting the Services, there has been unauthorized activity involving any of your Deposit Accounts, you have engaged in activity that violates the terms of this Agreement, or any of your Deposit Accounts is in an overdraft or negative-balance state. If your use of the Services is suspended, you may request re-enrollment in writing. Re-enrollment is normally considered no sooner than six months after the suspension date, and may be granted or declined in the Credit Union’s sole discretion, with or without cause.

Disclaimer of Warranties:

Please Note: Your use of the Services and all information and content (including third party information and content) is strictly at your own risk and the Services are provided on an "as is" and "as available" basis. We disclaim all warranties of any kind, express or implied, as to the Services and their use, including but not limited to warranties of merchantability, fitness for a particular purpose and non-infringement. We make no warranty that the Services (i) will meet your requirements; (ii) will be uninterrupted, timely, secure, or error free; (iii) will yield accurate or reliable results; or (iv) that any errors in the Services or technology will be corrected.

Limitation of Liability:

One Nevada will not be liable for damages of any kind, whether direct, indirect, incidental, special, consequential, exemplary or otherwise, including without limitation, damages for loss of profits, goodwill, use, data or other losses arising from or related to the use or inability to use the Services, incurred by you or any third party, regardless of the form of action or claim (whether contract, tort, strict liability or otherwise), even if One Nevada has been informed of the possibility thereof.


Unless otherwise required by law, One Nevada may amend this Agreement any time and from time to time, without notice to you, by posting the amended Agreement on the One Nevada website. If notice is given, it may be sent to you at your latest address on our files via US mail, statement message, or electronic message. You may be asked to agree to an amended or updated version of this Agreement by means specified in the notice. If you decline to agree, your use of the Services may be limited, suspended or terminated.

Governing Law:

This Agreement shall be governed by the laws and regulations of the United States and the State of Nevada.

Electronic Consent; Notices:

Enrolling in the Services requires you to consent to receive information and notices regarding this Agreement and the Services via electronic means (for example, email or website). If you do not wish to consent to electronic notices about the Services, you may decline to enroll in the Services. Nevertheless, One Nevada reserves the right to provide you any notices regarding this Agreement or the Services by non-electronic means (for example, statement notes or US mail).

Bill Pay

We will process Bill Pay transfer requests only to the creditors designated in the SilverLink Online vendor list and such payees as you authorize and for whom we have a proper “vendor code” number. We will not process any Bill Pay transfer if the required information is incomplete. The designated funds will be withdrawn from your account as an Automated Clearing House (ACH) debit within 24 to 48 hours of the date you schedule the payment. You should allow at least 5 business days for payments sent electronically and 10 business days for payments sent by check for processing and crediting by the vendor. We cannot guarantee the time that any payment will be credited to your account by the payee. Any fees for Bill Pay services are described in the credit union Fee Schedule (PDF).


With SilverLink Online Alerts, you can ask us to send you automated e-mail messages about your account. Each Alert becomes effective after you set up and activate it in the Alerts menu.

You can manage the types of your Alerts, and you can suspend or stop any Alert at any time. We reserve the right to change the types of Alerts available or terminate Alert service at any time. You must be aware that Alerts are not encrypted, so anyone with access to your e-mail will be able to view your Alerts and their contents. Depending upon which Alerts you select, they may include information such as your account balance, payment due date or other account-related information.

Alert information may be subject to other time lags and/or delays. We do not guarantee the delivery, timeliness nor accuracy of any Alert, whether within or outside our control. In requesting Alerts, you agree that we will not be liable for any delays, failure to deliver, or misdirected delivery of any Alert; any errors in Alert contents; or any actions you or anyone else may take or not take in reliance on an Alert.

Alerts are sent to the e-mail address you specify. If you change your e-mail address, you are responsible for informing us of the change.

ID Check

All SilverLink Online Banking users are required to set up the ID Check security feature. ID Check provides added security to help prevent fraud when you access your credit union account(s) online. You will be able to select from a series of challenge questions and answers to validate your identity as well as change these questions and answers at any time in Silverlink Online Banking. Your answers to your challenge question is encrypted to provide additional security. You and your account joint/spouse will need to set up your chosen question together so either of you can answer if prompted. In order to ensure the safety of your account information, please refer to the SilverLink Online User Precautions listed in this disclosure.


We offer you the option of receiving account statements, tax forms (1099, 1098, 5498) and disclosures electronically instead of on paper. If you choose to use E-Statements, all statements, tax forms and disclosures (statements, changes in terms, annual billing rights notices, and all other information) relating to your account may be delivered electronically.

To receive electronic statements, tax forms and disclosures, we must receive your “affirmative consent” - your clear instructions to send statements, tax forms and disclosures electronically. To sign up for E-Statements and receive your statements, tax forms and disclosures electronically, click on the ‘Online Services’ tab in SilverLink Online. To receive statements, tax forms and disclosures in writing (on paper), do nothing and your statements or disclosures will continue to be sent through the U.S. mail. If you choose electronic statements or disclosures, we will send your statement, tax forms and disclosures electronically until you tell us otherwise. (See below for information on how to withdraw consent for electronic statements, tax forms and disclosures). If you consent to electronic statements, tax forms and disclosures, it will be your responsibility to check your e-mail for notices of statement, tax form or disclosure availability.

To receive electronic statements or disclosures, you must have the following minimum software and hardware: an IBM compatible or Macintosh personal computer and internet access through an Internet Service Provider or Online Service. (For Windows users: Microsoft Internet Explorer version 5.01 SP3 and above, Netscape Navigator version 4.7 or above, or America Online.) Access to E-Statements will not work if there is not a secure connection. The statements, tax forms or disclosures may be delivered in PDF file format. You may download free PDF document viewer software, Adobe® Reader®, at

As required, you will receive an e-mail from us notifying you that your electronic statement, tax form or disclosure is available for viewing and printing. This e-mail notification will be sent to your e-mail address on file. If you change your e-mail address, please notify us. Failure to notify us about an e-mail address change will result in subsequent statements, tax forms or disclosures being sent on paper until we receive your “affirmative consent” for electronic statements or disclosures.

If you change your e-mail address, you can update it directly through SilverLink Online, notify us in person, via e-mail at [e-mail], by calling us or by mailing notice to Central Operations, 2645 S. Mojave Road, Las Vegas, NV 89121.

You may obtain a paper copy of any statement, tax form or disclosure on request, even if you choose electronic statements, tax forms and disclosures for your account. Please contact us by phone. There is a $5.00 per month, per account fee for a paper copy of a statement.

You may withdraw your consent to receive electronic statements, tax forms and disclosures at any time by notifying us by phone. We require notice by the 25th of the month in order to mail the next month’s paper statement. If less notice is given, you can obtain a paper copy by calling us.

You agree when you receive statements and tax forms electronically, you will faithfully and promptly review the statements to ensure there are no errors in the statement and there has been no unauthorized use of your accounts. If you discover any such errors or unauthorized use, you will contact us immediately by any of the methods listed under “Contact Us” to protect your interests in your personal assets and to stop any potential fraud or misuse of your account as soon as possible. We must hear from you no later than 60 days after we sent you the first statement on which the error or problem appeared. We will investigate your concern and will correct any error promptly. If we take more than ten business days to do this, we will credit your account for the amount you think is in error so you will have use of the money during the time it takes us to complete our investigation.

Limitations on Transactions

You may make SilverLink Online transfers from and to your accounts, or other accounts you authorize, as often as you like, and in any dollar amounts, except for the following limitations:

We reserve the right to refuse any transactions that would result in insufficient funds, lower an account below a required minimum balance, or otherwise require us to increase our required reserve on the account.

Charges for SilverLink Online and Bill Pay Services

The following fees apply to our SilverLink Online and Bill Pay services.

(Online Banking and Bill Pay accounts that are inactive for three consecutive months are subject to closure.)

For information on other service fees, please refer to the credit union Fee Schedule (PDF).

Stop Payment Procedures

In addition to those stop payment procedures described in the Membership Agreement and Disclosure Booklet (PDF), if you wish to stop payment on a Bill Pay transaction, you will need to call Bill Pay Customer Support at (866) 873-9580.

Unauthorized Transfers

Tell us at once if you believe your SilverLink Online access code has been compromised. Calling us is the best way of keeping your possible losses down. You could lose all of the money in your account (plus your maximum overdraft line of credit). If you tell us within two business days, you can lose no more than $50.00 if someone accessed your account without your permission.

If you do not tell us within two business days after you learn of the theft of your SilverLink online access code and we can prove we could have stopped someone from using your account access without your permission, if you had told us, you can lose as much as $500.00.

Also, if your statement shows transfers 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 good reason (such as a long trip or a hospital stay) kept you from telling us, we may extend the time period.

If you believe your access code has been compromised, stolen or misappropriated or someone has transferred or may transfer money from your account without your permission, call or write us at a telephone number or address listed under “Contact Us.”

SilverLink Online User Precautions

As with all financial transactions, please exercise discretion when using SilverLink Online. The following suggestions may be helpful:

If your password is compromised, promptly notify us. You should consult the electronic funds transfer disclosures for additional information about what to do if your computer or password is lost, stolen, or misappropriated.

Contact Information

One Nevada Credit Union
2645 South Mojave Road
Las Vegas, NV 89121
(702) 457-1000 (Las Vegas)
(775) 751-9880 (Pahrump)
(775) 827-3880 (Reno/Sparks)
(800) 388-3000 (Toll Free)
E-mail Us

Business Days: Monday through Friday
Excluding Federal Holidays, Nevada State Day and the day after Thanksgiving. See Holiday Closings.