Electronic Services

The Credit Union offers a variety of electronic services. By establishing and/or using electronic services, you agree to the following terms, conditions, and any amendments governing your and our rights and responsibilities concerning these services.

Electronic Statement and Document Delivery

Scope of Communications: Law, regulation, and/or agreement require the Credit Union to provide you certain Communications “in writing”. With your consent, we offer you the option to receive these Communications by Electronic Delivery. By enrolling in the Credit Union’s Electronic Statement and Document Delivery service, you agree to receive all Communications relating to your membership and accounts via electronic delivery. Communications include, but are not limited to the following:

• All legal, regulatory, or other disclosures associated with an Account or Service.
• All periodic statements for an Account or Service, along with any notices related to such statements that we are required or permitted to include with paper statement.
• All other documentation relevant to an Account or Service, including agreements, amendments, account opening documentation, billing statements, policies and procedures, including our Privacy Policy, terms and conditions, authorizations, updates, notices, responses to claims, transaction history, Individual Retirement Account and Employee Retirement Income Security Act information, including but not limited to notices, plan documents, amendments, account opening, verification, maintenance notices, and other such information.
• Member material including proxy materials, periodic reports, tender offer materials, corporate actions, fact sheets, newsletters, announcements, and other similar disclosures, materials, or information.
• Investments materials, including any Communication or disclosures required or permitted to be delivered to you in connection with any investment, strategy, opportunity, or securities transaction.
• Documents related to the administration, management, investment, and distribution of Accounts or Services owned or used by trustees or other fiduciaries.
• Trade confirmations for transactions made for or against an Account, as well any document, notice, or other information, which we are required or permitted to deliver with trade confirmations.
• Documents evidencing, governing, or related to credit facilities, including, without limitation, secured and unsecured extensions of credit, mortgage loans and home equity lines of credit, letters of credit, derivatives and other swap transactions, requested by you as well as notices, confirmations, authorizations, or other information in which we are required or otherwise choose to send in relation to such credit facilities.
• Tax forms and reports relevant to an Account or Service, including tax forms, which we are required or permitted to deliver via Electronic Delivery including, but not limited to, forms in the 1098 and 1099 series and Schedules K-1. Please see the section titled “Additional Provisions for Tax Documents” below for additional terms for electronic delivery of Tax Documents.
• Communications for advisory or managed Accounts or Services.
• Marketing materials.
• Any other documents or other information required to be provided “in writing” or that we otherwise provide to you, or that you sign, submit, or agree to at our request, in connection with your relationship with us.

Enrollment: The Credit Union must receive your affirmative consent to send documents to you electronically. You can provide your affirmative consent and enroll in the electronic delivery of statements and documents as part of the online membership application process or you can log in to Digital Banking. Once you enroll, the Credit Union will continue to send your Communications electronically until you tell us otherwise, as described further below. If you consent to receive electronic statements and documents, it is your responsibility to check your email for notifications of when your Communications are available to view online. To receive Communications via postal mail, do not enroll in E-Documents.

Method of Delivery: We will provide all electronic Communications by one or more of the methods listed below. When your Communications are ready for viewing, we will notify you at your email address on file as to where you can access your Communications. The Credit Union encourages you to print, download, or otherwise retain all Communications provided to you via Electronic Delivery.

• Via electronic messaging such as email or SMS text or push notifications to your mobile device;
• Via access to a website, including our mobile websites or websites of third party service providers who we engage to deliver electronic messaging at the time the information is available.
• Via our mobile applications; or
• By requesting you to download other specified electronic files, such as HTML or PDF files, containing the Communications.

Email Address on File: It is your responsibility to provide and maintain a true and valid email address on file. If you change your email address, please notify us immediately. You can update your email address on file by logging into Digital Banking, by calling 800-388-3000, or by visiting a local branch.

Service Access: Our E-Documents Electronic Delivery service is generally available 24 hours a day, 7 days a week. The Credit Union will make every reasonable effort to ensure optimum availability; however, the service may be unavailable from time to time for routine hardware or software maintenance or due to unscheduled down time. The Credit Union is not liable for the unavailability of the system or any damage that may result from system unavailability. We are not responsible for any damage that may occur to your personal device from the use of this service or the data transmitted through the access link.

Hardware and Software Requirements: To access, view, print, and/or retain Communications, you must have:

• Access to a computer or mobile device with an operating system capable of receiving, accessing, displaying, and printing or storing your communications;
• An active Internet connection;
• An internet browser such as Chrome, Firefox, Safari, or Edge that supports a minimum of 128-bit encryption;
• An email account with an Internet service provider and associated email software capable of receiving email notifications;
• Access to Adobe Acrobat Reader software (available at no charge at www.adobe.com) to view your communications;
• Sufficient electronic storage to retain your Communications; and
• A printer capable of printing website pages.

Withdrawing Consent. The Credit Union does not require you to enroll for electronic Communications; however, we may assess you certain fees, as described in our Fee Schedule, if you choose to receive paper statements. You may withdraw your consent to receive electronic Communications at any time within Digital Banking by selecting Statement & Document Delivery, by calling 800-388-3000, by mailing us at 2645 S Mojave Road, Las Vegas, NV 89121, or by visiting a local branch. Withdrawal of your consent to receive electronic Communications will be effective only after the Credit Union has reasonable time to process your withdrawal.

Requesting Paper Copies: Even if you enroll for our E-Documents Electronic Delivery service to receive Communications electronically, you may still obtain a paper copy of any Communication upon request by contacting us at 800-388-3000, by mailing us at 2645 S Mojave Road, Las Vegas, NV 89121, or by visiting a local branch. There may be a fee associated with receiving a paper statement as described in our Fee Schedule.

Communications in Writing: We will consider all Communications provided to you in either electronic or paper format as “in writing”. If you wish to keep the Communications for your records, you should download and save those Communications or print and store them securely.

Consent to Use Electronic Records and Signatures: Any of the following actions constitutes your signature, acceptance, and agreement as if actually signed by you in writing.

• The use of a key pad, mouse, or other device to select an item, button, icon, or similar act/action or to otherwise provide us instructions while participating in our E-Document Electronic Delivery service.
• Accessing or making any transaction regarding any agreement, acknowledgement, consent terms, disclosures, or conditions

Federal Law: You acknowledge and agree that by enrolling in our E-Documents Electronic Delivery service:

• Your consent is provided in connection with a transaction affecting interstate commerce;
• That it is subject to the federal Electronic Signatures in Global and National Commerce Act (the E-SIGN Act); and
• That you and the Credit Union both intend that the E-SIGN Act applies to the fullest extent permitted by law.

Termination/Changes: We reserve the right, at our sole discretion, to discontinue providing you with electronic Communications, or to terminate or change the terms and conditions on which we provide electronic Communications.

Electronic Funds Transfer (EFT) Services

General Service Terms: EFT services are electronically initiated money transfers involving your Credit Union deposit accounts and include, but are not limited to, ACH, Wire Transfers, Direct Deposit, Electronic Checks, ATM Transfers, Online and Phone Banking Transfers, External Transfers, Bill Payments, and Send Money transactions.

Our Liability: 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 losses or damages. If we do not complete a transfer to or from your account on time or in the correct amount according to this Agreement, our sole responsibility for an error will be to correct the error. In no case will we be liable for any indirect, special, consequential, or incidental damages. However, there are some exceptions. We will NOT be liable if:

• Through no fault of our own, you do not have enough money in your account to make the transfer.
• The transfer would go over the credit limit on your overdraft line.
• The automated teller machine where you are making the transfer does not have enough cash.