Mobile App Disclosure



The use of Members 1st Credit Union mobile application constitutes acceptance of this agreement and disclosure.




As used in this Agreement, the following words will have the definitions given below:

"Account(s)" means your eligible Members 1st Credit Union checking, savings, loan, share certificates and other Members 1st Credit Union products that can be accessed through the Mobile Banking Service.

"Device" means a cellular telephone or similar wireless communication device onto which you have downloaded software provided by us for the purpose of permitting Mobile Banking. Please consult your plan or provider for details.

"Mobile Banking" means the banking services accessible from the Device you have registered with us for Mobile Banking.

"You" and "Your(s)" mean each person with authorized access to your Account(s) who applies and uses the Mobile Banking Service.

"We"," Us", and "Credit Union" means Members 1st Credit Union.


Mobile Banking Service


Mobile Banking is offered as a convenience and supplemental service to our Online Banking services. It is not intended to replace access to Online Banking from your personal computer or other methods you use for managing your accounts and services with us. Mobile Banking allows you to access your Members 1st Credit Union account information, use bill pay, transfer funds between your accounts, deposit items remotely and conduct other banking transactions. To utilize the Mobile Banking Service, you must be enrolled in Online Banking.


We reserve the right to limit the types and number of accounts eligible and the right to refuse to make any transaction you request through Mobile Banking. We may also reserve the right to modify the scope of the Mobile Banking Service at any time.


Mobile Banking may not be accessible over some network carriers. In addition, the Mobile Banking Service may not be supportable for all Devices. Members 1st Credit Union cannot guarantee and is not responsible for the availability of data services provided by your mobile carrier, such as (but not limited to) data outages or "out of range" issues.


You agree to accept responsibility for learning how to use Mobile Banking in accordance with the instructions and agree that you will contact us directly if you have any problems with Mobile Banking.


We may modify the Mobile Banking Service from time to time at our sole discretion. In the event of any modifications, you will be notified prior to implementation of modifications. You are responsible for making sure you understand how to use Mobile Banking as modified. You also accept responsibility for making sure that you know how to properly use your Device and we will not be liable to you for any losses caused by your failure to properly use the Mobile Banking Service or your Device.


You agree that, when you use Mobile Banking, you remain subject to the terms and conditions of your existing agreements with any unaffiliated service providers, including, but not limited to, your mobile service provider and that this Agreement does not amend or supersede any of those agreements. You understand that those agreements may include fees, limitations and restrictions which might impact your use of Mobile Banking (such as data usage or text messaging charges imposed on you by your mobile service provider for uses of or interaction with Mobile Banking), you agree to be solely responsible for all such fees, limitations, and restrictions. You agree that only your mobile service provider is responsible for its products and services. Accordingly, you agree to resolve any problems with your provider directly without involving us.


Any deposit account, loan or other credit union product accessed through this Mobile Banking service is also subject to the Account Agreements and Disclosures provided at time of account opening. You should review the Account disclosures carefully, as they may include transaction limitations and fees which might apply to your use of Mobile Banking.


You may use the Mobile Banking Service to transfer funds between your eligible Members 1st Credit Union accounts. You may not transfer to or from an account at another financial institution using our Mobile Banking Service.


Federal regulation (Reg. D) requires financial institutions to limit the way withdrawals may be made from a savings or money market account. Each transfer from a savings or money market account using Mobile Banking is counted as one of the six limited transactions permitted during each monthly statement cycle period, as described in the Deposit Account Agreement and Disclosures.


We may also limit the type, frequency and amount of transfers for security purposes and may change or impose limits without notice, at our discretion.


Remote Deposit Capture


Deposits to your Members 1st Credit Union account may be made remotely using your smart phone device by submitting an image of the front and back of a check.


Eligible Items for Deposit through Remote Deposit Capture


You agree to submit only “checks” as defined in Federal Reserve Regulation CC. You agree that the image of the check transmitted to us shall be deemed an “item” within the meaning of Article 4 of the Uniform Commercial Code.


Unacceptable Items for Deposit
-Checks drawn on a foreign bank
-Travelers checks
-Checks payable to an individual not on the account
-An item that contains evidence of alteration
-A check previously converted to a “substitute check”, as defined in Regulation CC
-A stale dated, expired, or postdated item
-Any item that has been re-deposited or returned such as “non-sufficient funds” or “refer to maker” or for any other reason
-Savings Bonds


Availability of Funds Deposited Through Remote Deposit Capture


Deposits made through Mobile Banking using the Remote Deposit Capture method will follow the availability requirements outlined in Regulation CC. Regular hold times are as follows:


To help reduce check fraud, scams and identity theft, Members 1st Credit Union places holds on all check deposits made at ATMs or through Remote Check Deposit. Standard holds last for 24 hours beginning at 11pm each business day evening. Extended holds can be placed on deposits from 2-7 days whereupon a member is notified through the mail. 100% of funds are released on the expiration of a hold. Business days are Monday through Friday and exclude Saturday, Sunday, and all federal holidays. For example, if a member deposits a $100 check at an ATM or via Remote Check Deposit on Monday at 5pm, the funds will not be available until Tuesday at 11pm. If a member deposits the same $100 check on Friday at 5pm, the funds will not be available until Monday at 11pm.


We reserve the right to extend any hold placed in an emergency situation where there is a failure of communications or computer equipment and if we have any reason to believe an item will not be paid.


Endorsement, Retention and Disposal of Transmitted Items


-You agree to properly endorse the check on the back as it appears on the Payable to line and the words FOR MEMBERS 1ST CREDIT UNION REMOTE DEPOSIT ONLY are required
-You agree to securely store each original check that you deposit using these services for a period of at least sixty (60) days. After sixty (60) days and no later than ninety (90) days after you transmit the original check, you can safely destroy the original check
-You agree to never re-present a check for deposit
-You understand and agree that you are responsible for any loss caused by your failure to secure the original checks
-You will promptly provide any retained check to us as requested to aid in the clearing and collection process, to resolve claims by third parties with respect to any check, or for our audit purposes. If you are unable to provide us with the check requested, you will be liable for any unresolved claims by third parties.


Fees Charged for Mobile Banking


Currently, Members 1st Credit Union does not charge fees for subscribing to or using Mobile Banking. However, we may assess fees (a) as described in the applicable product or Account Disclosure Statement or fee schedule (including applicable transfer fees), or (b) for products and services purchased online. We reserve the right to institute or change fees for Mobile Banking by sending you prior notice.




You represent that you are the legal owner of the Accounts and other financial information which may be accessed using Mobile Banking. You represent and agree that all information you provide to us in connection with Mobile Banking is accurate, current and complete, and that you have the right to provide such information to us for the purpose of using Mobile Banking. You agree not to misrepresent your identity or your account information. You represent that you are an authorized user of the Mobile Device you will use to access Mobile Banking. You understand that you are solely responsible to verify that items deposit using the Remote Deposit Capture have been received by us.


Unavailability of Services


You understand and agree that the Services may at times be temporarily unavailable due to system maintenance or technical difficulties. In the event any of the services included in our Mobile Banking Services are unavailable, you acknowledge that you can deposit an original check at our branches or through ATMs that accept your deposit, or by night drop, or by mail.




You agree to take every precaution to ensure the safety, security and integrity of your account and transactions when using Mobile Banking. You agree not to leave your Mobile Device unattended while logged into Mobile Banking and to log off immediately at the completion of each access by you. You agree not to provide any of your access information to any unauthorized person. If you permit other persons to use your Mobile Device, login information or any other means to access Mobile Banking, you will be held responsible for any transactions they authorize and we will not be liable for any damages resulting to you.


We make no representations that Mobile Banking will be available for use in locations outside of the United States.




You agree not to use Mobile Banking or the content or information delivered through Mobile Banking in any way that would be considered illegal.




Unless caused by our intentional misconduct or gross negligence, you agree to indemnify, defend and hold harmless Members 1st Credit Union, its officers, directors, employees, consultants, agents, service providers, and licensors from any and all third party claims, liability, damages, expenses and costs caused or arising from (1) a third party claim, dispute, action, or allegation of infringement, misuse, or misappropriation based on information, data, files, or otherwise in connection with the Mobile Banking Service; (2) your violation of any law or rights of a third party; or (3) your use, or use by a third party of Mobile Banking.


Lost or Stolen Mobile Device or Password; Unauthorized Transfers


If you believe your Mobile Device, user name (Login ID), password, or other approved access device has been lost or stolen, or that someone has transferred or may transfer funds from your account without your authorization, contact us AT ONCE at (800) 303-3838 or (530) 222-6060. For a description of your and the Credit Union's responsibilities and liability with respect to unauthorized transactions review the appropriate sections of your account's Deposit Agreement.


In Case of Errors or Questions about Your Account


Please refer to the Deposit Agreement given at account opening for a description of the error resolution process as well as how transfer and deposits are processed on your account. If you need a copy of the agreement or have additional questions regarding Mobile Banking Services, please contact a member service representative by using one of the following methods: