Please read this E-SIGN Disclosure and Consent carefully and keep a copy for your records. If you are working on a public computer, you should not access your Online Banking account unless you are certain your computer has a secure connection void of malware, spyware or other malicious software.
The following disclosures are required by the federal Electronic Signatures in Global and National Commerce Act (“E-SIGN”). In order to access your electronic documents (eDocuments) electronically, you must acknowledge receipt of these disclosures and consent to the electronic delivery of statements, disclosures and notices as provided below. You can record your consent to such electronic delivery by clicking in the box corresponding to Statements on the Email Management page, clicking the “Agree” button on the eStatement E-SIGN Disclosure and Consent screen, and clicking the “Save” button on the Email Management page, or by checking the check box indicating your agreement to the E-SIGN Disclosure and Consent during the Online Banking Enrollment form or eStatement Enrollment form.
Electronic Delivery of Disclosures and Notices
By clicking in the box corresponding to Statements on the Email Management page or checking the check box on the Online Banking Enrollment form or eStatement Enrollment form, you are consenting to the electronic receipt of any and all statements, disclosures, notices, and other documents, and all changes thereto, related to your account (collectively, “Statements”).
- CD Maturity
- CD Renewal
- Dormancy Fees
- Tax Statements
- Privacy Policy
- Changes in Terms
- Billing Rights Errors
- Annual Tax Reporting Information
- Account/Transaction Alerts
- Future Service Enrollments, Communications, and Notices
Upon your consent to the electronic receipt of Statements, your statement in electronic format will be made available free of charge at www.membersonline.org based upon Federal regulations. You will no longer automatically receive paper statements.
In order to access, receive and retain Statements electronically, you must provide at your own expense an Internet connected device that is compatible at the time of such access with the minimum requirements outlined below.
Your statements will be available by email, generally on or around the 5th business day of each month for those receiving monthly statements. If you normally receive a quarterly statement, your statement will be emailed to you around the 5th business day in January, April, July and October. You will be notified through email that your eStatement is available.
Paper Delivery of Disclosures and Notices
You may choose to have a paper copy of any particular Statement mailed to you by contacting us by phone at (530) 222-6060 or (800) 303-3838 or you may write to us at Statement Request, Members 1st Credit Union, PO Box 492395, Redding, CA 96049 for a fee of $5.00. Be sure to state that you are requesting a paper copy of a particular Statement.
To receive Statements electronically, you must have the following equipment and software:
- A personal computer or other device which is capable of accessing the Internet. Your access to this page verifies that your system/device meets these requirements.
- An Internet web browser which is capable of supporting 128-bit SSL encrypted communications, which requires a minimum web browser version of either Microsoft® Internet Explorer version 7.0 (available for downloading at http://www.microsoft.com/windows/ie/downloads/default.asp) and your system or device must have 128-bit SSL encryption software. Your access to this page verifies that your browser and encryption software/device meet these requirements.
- You must have software which permits you to receive and access Portable Document Format or “PDF” files, such as Adobe Acrobat Reader® version 8.0 and above (available for downloading at https://get.adobe.com/reader/). Your access to this page verifies that your system/device has the necessary software to permit you to receive and access PDF files.
- An email address to receive eStatement notifications
Your Responsibilities
You agree that your computer satisfies the hardware and software requirements specified above and you certify you are capable of retaining and accurately reproducing the electronically delivered documents as electronic records for any future reference. You certify you have provided us with your current email address to which we may send electronic documents and communications and you will immediately notify us of any changes in your email address. If we learn that you are no longer receiving email communications (for example, an email is returned as undeliverable), we may discontinue sending email communications. We will make a reasonable attempt to redeliver your notification electronically. We are not obligated to verify that you have received or can access any account document.
System Requirements to Retain Information
To retain a copy of a Statement, your device must have the ability to download and store PDF files.
Service Availability
The service providing eStatements is generally available 24 hours a day, 7 days a week, however this service may be unavailable from time to time for routine software and hardware maintenance, or due to unscheduled down time.
Error Resolution
You understand the importance of your role in preventing misuse of your account. You agree to promptly examine your statement and notify us immediately of any errors on your account. We must hear from you no later than sixty (60) days after we sent the first statement on which the problem appears. You may contact us at (530) 222-6060 or (800) 303-3838.
You agree to protect the confidentiality of your account, account number, and your personal identification number. Members 1st Credit Union will disclose information to third parties about your eStatement access only:
- When it is necessary for completing a technical support call to our eStatement provider.
- In order to verify the existence of conditions of your account.
- To comply with a government agency or applicable law.
Changes in Terms
It may be necessary from time to time, to change the terms or conditions regarding your statement access. In the event such a change is necessary, we will display a message via email notification.
Email Address
If you change your email address, it is your responsibility to update your email associated with the delivery of your statement to avoid delays in receiving your eStatement. Emails setup to receive eStatements can be maintained through Online Banking.
Other Account Related Information
We often include with your paper account statement other periodic notices that relate to account notices or regulatory information, otherwise known as statement inserts. When you agree to accept electronic statements, you also agree to receive other notices by electronic delivery.
Withdrawal of Electronic Acceptance of Disclosures and Notices
You can also contact us in any of the ways described above to withdraw your consent to receive any future Statement electronically. If you withdraw your consent, we will provide you a paper copy of all future Statements. If you wish to cancel eStatements and resume receipt of paper statements, you must notify us by calling (530) 222-6060, or (800) 303-3838. If you cancel receipt of eStatements and wish to resume receiving eStatements in the future, it will be necessary for you to go through the sign up process again.
Members 1st Credit Union has the right to terminate its obligation to provide eStatements service to you upon ten days of prior written notice (email acceptable).
Participating Party Rights
You agree to waive and release any claims against Members 1st Credit Union arising out of or in any way related to the eStatements service, except for those claims resulting solely from the negligent acts or omissions of the Credit Union. All questions regarding your eStatement access should be directed to the Credit Union during business hours at (530) 222-6060 or (800) 303-3838.
Consent
By clicking the “Agree” button on the eStatement E-SIGN Disclosure and Consent screen, you consent to the electronic delivery of any and all Statements related to the account. You also agree that we do not need to provide you with an additional paper (non-electronic) copy of any Statement, unless specifically requested to do so as provided above.
Electronic Disclosure Agreement
This Electronic Funds Transfer Agreement is the contract which covers both the member's and Credit Union's rights and responsibilities concerning the electronic funds transfer (“EFT”) services offered to you by Members 1st Credit Union (“Credit Union”). In this Agreement, the words “you” and “yours” mean those who sign the application or account card as applicants, joint owners, or any authorized users. The words “we,” “us,” and “our” mean the Credit Union. The word “account” means any one or more share and share draft accounts you have with the Credit Union. Electronic funds transfers are electronically initiated transfers of money from your account through the electronic funds transfer service described below. By signing an application, an account card or e-signature for EFT services, or using any service, each of you, jointly and severally, agree to the terms and conditions in this Agreement and any amendments for the EFT services offered. Accessing your Members 1st Credit Union account via online confirms your agreement to be bound by all disclosures and agreements, and acknowledges your receipt and understanding of this agreement.
If we approve Online Banking for your account(s), a separate PIN (Personal Identification Number) will be assigned to you. You must use your PIN along with your account number to access your account(s). At the present time, you may use Online Banking to:
- Withdraw funds from your share, share draft and Home Equity Line of Credit accounts.
- Transfer funds from your share and share draft accounts.
- Obtain balance information for your accounts.
- Make loan payments from your share and share draft accounts.
- Access your VISA and Home Equity Line of Credit.
- There is no limit to the number of inquires, transfers, or withdrawal requests you may make in any one day
Error Resolution
You understand the importance of your role in preventing misuse of your account. You agree to promptly examine your statement and notify us immediately of any errors on your account. We must hear from you no later than sixty (60) days after we sent the first statement on which the problem appears. You may contact us at (530) 222-6060 or (800) 303-3838.
You agree to protect the confidentiality of your account and account number, and your personal identification number. Members 1st Credit Union will disclose information to third parties about your Online Banking access only:
- When it is necessary for completing a technical support call to our Internet Banking provider.
- In order to verify the existence of conditions of your account.
- To comply with a government agency or applicable law.
Change In Terms
It may be necessary from time to time, to change the terms or conditions regarding your Online Banking access. In the event such a change is necessary, we will display a message via e-mail notification.
E-mail Address
If you change your e-mail address, it is your responsibility to notify us of your new address as soon as possible to avoid delays in accessing your account. You can change your email through online banking. Login or register for Online Banking now.
Termination of EFT Services
You may terminate this Agreement or any EFT service under this Agreement at any time by notifying us in writing and stopping your use of any access codes. Members 1st Credit Union has the right to terminate this Agreement at any time by notifying you orally or in writing. Whether you or the Credit Union terminates this Agreement, the termination shall not affect your obligations under this Agreement for any EFTs made prior to termination.
Participating Party Rights
You agree to waive and release any claims against Members 1st Credit Union arising out of or in anyway related to Online Banking, except for those claims resulting solely from the negligent acts or omissions of the Credit Union. All questions regarding your Online Banking access should be directed to the Credit Union during business hours, at (530) 222-6060 or (800) 303-3838.
Introduction
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.
- 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
- Cash
- 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 preferred
- 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.
Responsibilities
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.
Security
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.
Conduct
You agree not to use Mobile Banking or the content or information delivered through Mobile Banking in any way that would be considered illegal.
Indemnification
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.
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:
- Telephone: (800) 303-3838 or (530) 222-6060
- Email: callcenter@membersonline.org
- Mail: Members 1st Credit Union, P.O. Box 492395, Redding, CA 96049-2395
This Disclosure describes your ability to withdraw funds from all your accounts at Members 1st Credit Union except for funds deposited to certificate accounts. The Credit Union reserves the right to delay the availability of funds deposited to certificate accounts for periods longer than those disclosed in this policy. Please ask us if you have a question about which accounts are affected by this policy.
- GENERAL POLICY
Our policy is to make funds from your cash and check deposits available to you on the same business day that we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are available, you can withdraw the funds in cash and we will use the funds to pay checks that you have written. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before close of business on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after the close of business or on a business day we are not open, we will consider that the deposit was made on the next business day we are open. - RESERVATION OF RIGHT TO HOLD
In some cases, we will not make all of the funds that you deposit by check available to you on the same business day that we receive your deposit. Funds may not be available until the second business day after the day of your deposit. However, the first $200.00 of your deposit will be available on the first business day after the day of your deposit. If we are not going to make all of the funds from your deposit available on the same business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees or if we decide to take this action after you have left the premises, we will mail you the notice by the next business day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available. - HOLDS ON OTHER FUNDS
If we cash a check for you that is drawn on another financial institution, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on another financial institution, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this Disclosure for the type of check that you deposited. - LONGER DELAYS MAY APPLY
We may delay your ability to withdraw funds deposited by check into your account an additional number of days for these reasons:- We believe a check you deposit will not be paid.
- You deposit checks totaling more than $5,000.00 on any one (1) day.
- You redeposit a check that has been returned unpaid.
- You have overdrawn your account repeatedly in the last six (6) months.
- There is an emergency, such as failure of communications or computer equipment.
We will notify you if we delay your ability to withdraw funds for any of these reasons and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit. - SPECIAL RULES FOR NEW ACCOUNTS
If you are a new member, the following special rules will apply during the first 30 days your account is open.
Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,000.00 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state, and local government checks will be available on the next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,000.00 will be available on the ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,000.00 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available on the ninth business day after the day of your deposit.
Thank you for using your Members 1st Credit Union Card and wanting to use a Members 1st mobile card (each, a "Mobile Card") in the Apple Pay application ("Apple Pay") offered by Apple. The following terms and conditions (these "Terms of Use") govern your use of any Mobile Card in Apple Pay or related Apple features or services (collectively, the "Apple Payment Services") available on payment-supported iOS devices commercialized by Apple from time to time ("Supported iOS Devices"). These Terms of Use are a legal agreement between you and Members 1st Credit Union ("we" or "Members 1st"). They apply to you and anyone else you authorize to use your Mobile Card(s) and govern all Mobile Cards you may create in Apple Pay.
PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE CREATING, ACTIVATING OR USING YOUR MOBILE CARD, BECAUSE BY DOING SO, YOU ACCEPT AND AGREE TO BE BOUND AND ABIDE BY THESE TERMS OF USE.
IF YOU DO NOT WANT TO AGREE TO THESE TERMS OF USE, YOU MUST NOT CREATE, ACTIVATE OR USE A MOBILE CARD.- You are solely responsible for maintaining the confidentiality of your Apple User ID, Apple passwords and any other means that you may from time to time have to access the application. If you share these credentials with any other person, they may be able to use your Mobile Card(s) and get access to your personal and payment information available through the Apple Payment Services.
- Call us immediately at the Members 1st telephone number printed on the back of your Members 1st card if you believe your Supported iOS Device or authentication credentials have been lost, stolen or compromised in any way or an unauthorized person has used or may use your credentials without authorization.
- These Terms of Use govern your access to and use of your Mobile Card only as between Members 1st and you. Apple, your wireless carrier, and other third party services or websites incorporated in the Apple Payment Services may have their own terms and conditions and privacy policies ("Third Party Agreements") and you are also subject to those Third Party Agreements when you give them your personal information, use their services or visit their respective websites.
- ARBITRATION
- USE OF YOUR MOBILE CARD(S)
- ELIGIBILITY
- THIRD PARTY AGREEMENTS AND SUPPORT
- CHARGES
- PRIVACY AND SECURITY
- SUSPENSION; CANCELLATION
- DISCLAIMER OF WARRANTIES
- LIMITATION OF LIABILITY
- LICENSE OF MOBILE CARD
- GOVERNING LAW
- MISCELLANEOUS
- CHANGES TO THESE TERMS OF USE
- COMMUNICATION
- INDEMNIFICATION
1. ARBITRATION
Each Card Member Agreement contains a Claims Resolution provision, with a provision regarding binding arbitration that affects your rights with respect to your use of the Card you used to create a Mobile Card. That arbitration provision applies as well to any disputes between you and us arising from these Terms of Use or your creation, access to or use of any of your Mobile Cards and your use of any Eligible Card (as defined below) within the Apple Payment Services environment. By using any Eligible Card or Mobile Card, you agree to be subject to and comply with the terms of these Terms of Use and the Card Member Agreement for your Card(s).
2. USE OF THE MOBILE CARD
Apple Pay enables you to create virtual representations of your Eligible Cards on your Supported iOS Device that will permit you to use your Supported iOS Device to make (i) contactless payments at merchants’ contactless-enabled point-of-sale terminals or readers that accept contactless payments using a Mobile Card (in lieu of you presenting your physical Eligible Card) and (ii) in-app or other digital commerce payments at merchants participating in the Apple Payment Services. You agree to use the Mobile Card only with a Supported iOS Device properly equipped with Apple Pay and to comply with all terms and conditions applicable to the Apple Payment Services. You should know that not all Supported iOS Devices permit both contactless payments and in-app payments. Please contact Apple if you have questions about the Supported iOS Devices that can be used with the Apple Payment Services.
When you select an Eligible Card to use with Apple Pay, certain account information for the Eligible Card will be transmitted to and stored within your Supported iOS Device to facilitate your participation in Apple Payment Services. Once the account information for an Eligible Card has been stored on your Supported iOS Device, it is represented by a Mobile Card within Apple Pay. By selecting a Mobile Card and placing your Supported iOS Device near a merchant's contactless-enabled point-of-sale terminal or reader or using that Mobile Card for an in-app purchase, you are authorizing the payment for the merchant's products or services with that Mobile Card through the Apple Payment Services. To complete transactions above a certain dollar amount, merchants may require presentation of a physical companion card or a government-issued form of identification for inspection to authenticate your identity. Once created, a Mobile Card may work even if you do not have wireless service.
Apple Pay also provides you access to information related to the Eligible Cards that have been added to your Supported iOS Device. Depending on your Supported iOS Device, this may include information about Card cancellation or suspension due to issues such as an expired card, detection of fraud or past due payments. See "Suspension; Cancellation" below for more details.
For each Eligible Card added to Apple Pay, you may also view (except in Apple Watch) the last 10 purchase transactions made by you on that Eligible Card, whether or not made using the Supported iOS Device, but not the transactions made by any Additional Card Member on your Card account. The information will include the date, purchase amount and merchant name. Please note that some of the listed transactions may be pending charges, which are temporary and are subject to change (for instance, pre-authorizations at restaurants and hotels). Apple Pay provides you with the option and ability to turn off this purchase transaction reporting for each Mobile Card. For additional Card account information, please log into your account on the Members 1st Credit Union Mobile app, Membersonline.org, or call the number on the back of your Eligible Card. Purchases or other transactions you make with any of your Mobile Card are governed by the Card Member Agreement for the Eligible Card you used to create your Mobile Card. If a problem arises with the product or service you purchased through use of the Mobile Card, you first should try to resolve the problem directly with the merchant, but you may also have rights under your Card Member Agreement or otherwise under applicable law.
3. ELIGIBILITY
You must have the power, authority and capacity to accept these Terms of Use. If you are a minor under the laws of the jurisdiction in which you enter into this agreement (under 18 in most States), you must have obtained the consent of the Basic Card Member to add your Mobile Card to Apple Pay and, by creating or using the Mobile Card, you acknowledge and agree that you have received that consent.
You may use any Members 1st Credit Union U.S. Consumer credit, debit, or travel Card that is not cancelled and that is issued to you by Members 1st Credit Union to create a Mobile Card. Prepaid cards and other products are not eligible for the Apple Payment Services and the creation of a card within Apple Pay with a Members 1st-branded card or account number issued by other financial institutions is not governed by these Terms of Use but by an agreement with those financial institutions, if and as applicable. We may permit you to add the same Eligible Card to as many as ten (10) Supported iOS Devices, but this can be limited if that Card is associated with more than 5 Apple IDs. You must agree to these Terms of Use each time you add an Eligible Card to a Supported iOS Device. Please contact Apple to learn about any additional limitations or restrictions imposed on its Apple Pay and for minimum software and hardware requirements.
We may permit Eligible Cards of up to two Eligible Card Members to be added to one Supported iOS Device. Please see "Privacy and Security" below.
4. THIRD PARTY AGREEMENTS AND SUPPORT
These Terms of Use only address the terms and conditions that apply to your use of your Mobile Card(s). Apple, your wireless carrier, and other third party websites or services integrated in the Apple Payment Services have their own Third Party Agreements and you are subject to those Third Party Agreements when you give them your personal information, use their services or visit their respective sites. Members 1st is not responsible for the security, accuracy, legality, appropriateness or any other aspect of the content or function of Apple’s or any third party’s products or services.
It is your responsibility to read and understand the Third Party Agreements before creating, activating or using a Mobile Card in Apple Pay.
We are not responsible for, and do not provide, any support or assistance for any third party hardware, software or other products or services (including any Apple Payment Service or your Supported iOS Device). If you have any questions or issues with a third party product or service, including issues pertaining to the operation of your Supported iOS Device, please contact the appropriate third party in accordance with that third party's procedures for customer support and assistance. If you have any questions or issues pertaining to Apple Pay (other than questions or issues specific to the use of a Mobile Card), please contact Apple.
5. CHARGES
We do not currently charge a fee for using your Mobile Card. However, you understand that Third Party Agreements may contemplate fees, limitations and restrictions, which might affect your use of any of your Mobile Card(s) (such as data usage or text messaging charges imposed on you by your wireless carrier). You agree to be solely responsible for all such fees and agree to comply with such limitations and restrictions.
6. PRIVACY AND SECURITY
Privacy
What Members 1st Collects
When creating your Mobile Card, we collect certain information from Apple to verify your identity, to enable you to use a Mobile Card and facilitate your participation in the Apple Payment Services. You authorize Members 1st to collect, use and share your information in accordance with the applicable Members 1st Consumer Privacy Notice and U.S. Online Privacy Statement, as they may be amended from time to time, and which are available at MembersOnline.com/Privacy. To facilitate your participation, also note that we will make certain account information relating to each Eligible Card you have selected to use with Apple Pay available for display, including your most recent transaction data (except for a Mobile Card in Apple Watch), but not your full Eligible Card account number. You may decline to have the transaction data made available for display and still use Apple Pay, but you must turn off this feature manually with Apple through Apple Pay. You agree that we may also collect and use technical data and related information, including, but not limited to technical information about your Supported iOS Device gathered periodically to facilitate the updates to our services. We may use this information as long as it is in a form that does not personally identify you, to improve our products or to provide services or technologies to you.
Push Notifications
You may receive push notifications from us from time to time reflecting your Card account activity. If you do not wish to receive notifications, you may turn off these notifications through the device Settings on your Supported iOS Device or by turning off the issuer notifications setting on the back of your Mobile Card.
What Others Collect
As stated at the beginning of these Terms of Use and in the Third Party Agreements and Support section above, Members 1st is not responsible for the Apple Payment Services or any other services offered by your wireless carrier or any third party. Accordingly, any information you provide to Apple through Apple Pay, or that is collected or accessed by Apple in the course of your use of a Mobile Card or Apple Pay, is subject to Third Party Agreements, and is not governed by our Privacy Statement or these Terms of Use.
Supported iOS Devices with same iCloud Account
If you add a Mobile Card to one of your Supported iOS Devices and have other Supported iOS Devices sharing the same iCloud account ("Other Supported iOS Devices"), Apple may collect and use information related to your Eligible Card and Mobile Card, permit that Mobile Card to be added to Other Supported iOS Devices and display on those Other Supported iOS Devices the last 5 digits of the associated Eligible Card and potentially other information.
In addition, if you delete a Mobile Card from one of your Supported iOS Devices, Apple will continue to permit for a short period of time that Mobile Card to be added on all of your Supported iOS Devices that share the same iCloud Account and display the last 5 numbers of the associated Eligible Card.
In each of these instances, your Mobile Card will not be added to any of your Other Supported iOS Devices unless you verify that Mobile Card with us on that device.
Lost, Stolen or Unauthorized Use of your Supported iOS Device
Call us immediately at the Members 1st telephone number printed on the back of your Eligible Card if you believe your Supported iOS Device or your credentials have been lost or stolen or someone has used or may use your Supported iOS Device or your credentials without your authorization. Also change your credentials immediately to avoid any unauthorized use of a Mobile Card or of your personal information. If you get a new Supported iOS Device, please be sure to delete all your Mobile Cards and other personal information from your prior Supported iOS Device.
You must cooperate with us in any investigation and use any fraud prevention or other related measures we prescribe.
Apple Pay and your Supported iOS Device may contemplate certain security features and procedures to protect against unauthorized use of any of your Mobile Card(s). These features and procedures are the sole responsibility of Apple. You agree not to disable any of these security features and to use these security features and procedures to safeguard all your Mobile Cards.
Protecting your Apple Passwords and other Credentials
You are responsible for maintaining the confidentiality of your Members 1st user ID, Apple User ID, Apple passwords and other means you may from time to time have to access any of your Mobile Cards. You should keep your Supported iOS Device and these credentials secure in the same manner as you would keep your cash, checks, credit cards, and other personal identification numbers and passwords secure. Subject to the Card Member Agreement governing the use of the Eligible Card you use to create your Mobile Card, you are responsible for all transactions made using your Mobile Card.
You are solely responsible for maintaining the confidentiality of your Apple User ID, Apple passwords and any other means that you may from time to time have to access the application. If you share these credentials with any other person, they may be able to use your Mobile Card(s) and get access to your personal and payment information available through the Apple Payment Services. Call us immediately at the Members 1st telephone number printed on the back of your Members 1st card if you believe your Supported iOS Device or authentication credentials have been lost, stolen or compromised in any way or an unauthorized person has used or may use your credentials without authorization.
While we may permit Eligible Cards of up to two Card Members to be added to one Supported iOS Device, we caution you against sharing your credentials with any other person and you should immediately notify us if someone has access to your Supported iOS Device or credentials that you have not authorized.
7. SUSPENSION; CANCELLATION
We reserve the right for any reason to discontinue offering or supporting any Mobile Card or to not participate in the Apple Payment Services. Except as otherwise required by applicable law, we may block, restrict, suspend or terminate your use of any Mobile Card at any time without notice and for any reason, including if you violate these Terms of Use or any of your Card Member Agreements, if we suspect fraudulent activity or as a result of the cancellation or suspension of your Eligible Card account. You agree that we will not be liable to you or any third party for any block, suspension, cancellation or termination of your use of any Mobile Card.
Members 1st may disqualify a Mobile Card or discontinue providing any services to any individual suspected of violating these Terms of Use or the Third Party Agreements related to the Apple Payment Services in its sole and absolute discretion. We also caution you that ANY ATTEMPT BY AN INDIVIDUAL OR ENTITY TO DELIBERATELY INTERFERE, INTERRUPT, MODIFY, AUDIT, ASSESS, RE-ENGINEER, OR DAMAGE ANY ASPECT OF A MOBILE CARD OR THE APPLE PAYMENT SERVICES OR UNDERMINE THE LEGITIMATE OPERATION OF A MOBILE CARD OR THE APPLE PAYMENT SERVICES IS A VIOLATION OF CRIMINAL AND CIVIL LAWS AND MEMBERS 1ST RESERVES THE RIGHT TO SEEK DAMAGES AND COSTS (INCLUDING, WITHOUT LIMITATION, ATTORNEYS’ FEES) FROM ANY INDIVIDUAL OR ENTITY RESPONSIBLE FOR SUCH ATTEMPT TO THE FULLEST EXTENT PERMITTED BY LAW.
You may remove one or more of your Mobile Cards from Apple Pay at any time by pressing the "Delete" button in Apple Pay or by calling the number on the back of your Eligible Card.
8. DISCLAIMER OF WARRANTIES
YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT THE USE OF ANY MOBILE CARD IS AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ANY MOBILE CARD IS PROVIDED TO YOU "AS IS" AND "AS AVAILABLE", WITH ALL DEFECTS THAT MAY EXIST FROM TIME TO TIME AND WITHOUT WARRANTY OF ANY KIND, AND MEMBERS 1ST, ON BEHALF OF ITSELF AND ITS SUPPLIERS, HEREBY DISCLAIMS ALL WARRANTIES AND CONDITIONS WITH RESPECT TO ANY MOBILE CARD, EITHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, SATISFACTORY QUALITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, QUIET ENJOYMENT, AND NON-INFRINGEMENT OF THIRD PARTY RIGHTS. WE, ON BEHALF OF OURSELVES AND OUR SUPPLIERS, ALSO DO NOT WARRANT AGAINST INTERFERENCE WITH YOUR ENJOYMENT OF ANY MOBILE CARD, OR THAT THE FUNCTIONS CONTAINED IN, OR SERVICES PERFORMED OR PROVIDED BY, A MOBILE CARD WILL MEET YOUR REQUIREMENTS, THAT THE OPERATION OR AVAILABILITY OF A MOBILE CARD WILL BE UNINTERRUPTED OR ERROR-FREE, OR THAT DEFECTS IN A MOBILE CARD WILL BE CORRECTED. NO ORAL OR WRITTEN INFORMATION OR ADVICE GIVEN BY MEMBERS 1ST, ANY OF ITS AUTHORIZED REPRESENTATIVES OR ANY THIRD PARTY SHALL CREATE ANY WARRANTY.
ACCESS, USE AND MAINTENANCE OF A MOBILE CARD DEPEND ON THE APPLE PAYMENT SERVICES AND THE NETWORKS OF WIRELESS CARRIERS. MEMBERS 1ST DOES NOT OPERATE THE APPLE PAYMENT SERVICES OR SUCH NETWORKS AND HAS NO CONTROL OVER THEIR OPERATIONS. WE WILL NOT BE LIABLE TO YOU FOR ANY CIRCUMSTANCES THAT INTERRUPT, PREVENT OR OTHERWISE AFFECT THE FUNCTIONING OF ANY MOBILE CARD, SUCH AS UNAVAILABILITY OF THE APPLE PAYMENT SERVICES OR YOUR WIRELESS SERVICE, COMMUNICATIONS, NETWORK DELAYS, LIMITATIONS ON WIRELESS COVERAGE, SYSTEM OUTAGES, OR INTERRUPTION OF A WIRELESS CONNECTION. MEMBERS 1ST DISCLAIMS ANY RESPONSIBILITY FOR THE APPLE PAYMENT SERVICES OR ANY WIRELESS SERVICE USED TO ACCESS, USE OR MAINTAIN A MOBILE CARD. USE OF A MOBILE CARD INVOLVES THE ELECTRONIC TRANSMISSION OF PERSONAL INFORMATION THROUGH THIRD PARTY CONNECTIONS. BECAUSE WE DO NOT OPERATE OR CONTROL THESE CONNECTIONS, WE CANNOT GUARANTEE THE PRIVACY OR SECURITY OF THESE DATA TRANSMISSIONS. ADDITIONALLY, YOUR SUPPORTED iOS DEVICE'S BROWSER IS GENERALLY PRE-CONFIGURED BY YOUR WIRELESS CARRIER. CHECK WITH APPLE AND YOUR WIRELESS CARRIER FOR INFORMATION ABOUT THEIR PRIVACY AND SECURITY PRACTICES. FOR PERSONAL OR CONFIDENTIAL INFORMATION SENT TO OR FROM MEMBERS 1ST OVER THE INTERNET FROM YOUR SUPPORTED iOS DEVICE, WE RESERVE THE RIGHT TO LIMIT SUCH CONNECTIONS TO "SECURE SESSIONS" THAT HAVE BEEN ESTABLISHED USING TRANSPORTATION LAYER SECURITY OR OTHER SECURITY STANDARDS WE SELECT.
WE MAKE NO GUARANTEES ABOUT THE INFORMATION SHOWN IN THE APPLE PAYMENT SERVICES. WE ALSO ARE NOT RESPONSIBLE FOR YOUR SUPPORTED iOS DEVICE OR THE SOFTWARE OR HARDWARE IT CONTAINS AND MAKE NO REPRESENTATIONS, WARRANTIES, OR GUARANTEES REGARDING THE SAME.
This Section 8 shall survive any termination of these Terms of Use.
9. LIMITATION OF LIABILITY
EXCEPT AS OTHERWISE PROVIDED BY LAW, IN NO EVENT SHALL MEMBERS 1ST, ITS DIRECT OR INDIRECT SUBSIDIARIES, AFFILIATES, AGENTS, EMPLOYEES OR REPRESENTATIVES BE LIABLE FOR DEATH, PERSONAL INJURY, PROPERTY DAMAGE, OR ANY INCIDENTAL, SPECIAL, INDIRECT, PUNITIVE, EXEMPLARY OR CONSEQUENTIAL DAMAGES WHATSOEVER, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, LOSS OF OR DAMAGE TO DATA, BUSINESS INTERRUPTION OR ANY OTHER COMMERCIAL OR FINANCIAL DAMAGES, LOST REVENUES, OR OTHER LOSSES OF ANY KIND, ARISING OUT OF THESE TERMS OF USE OR IN ANY WAY RELATED TO YOUR USE OR INABILITY TO USE ANY MOBILE CARD, HOWEVER CAUSED, REGARDLESS OF THE THEORY OF LIABILITY (CONTRACT, TORT OR OTHERWISE) AND EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE FOREGOING LIMITATIONS WILL APPLY EVEN IF THE ABOVE STATED REMEDY FAILS OF ITS ESSENTIAL PURPOSE.
NOTHING IN THESE TERMS OF USE SHALL OPERATE SO AS TO EXCLUDE OR LIMIT OUR OR OUR SUPPLIERS' LIABILITY FOR ANY LIABILITY WHICH CANNOT BE EXCLUDED OR LIMITED BY APPLICABLE LAW. Federal law and the laws of certain States or other jurisdictions may not allow the exclusion or limitation of certain damages. If these laws apply, some or all of the above exclusions or limitations may not apply to you, and you may have rights in addition to those contained in these Terms of Use.
This Section 9 shall survive any termination of these Terms of Use.
10. LICENSE FOR ANY MOBILE CARD
A MOBILE CARD IS LICENSED, NOT SOLD, TO YOU FOR USE ONLY UNDER THE TERMS AND CONDITIONS OF THESE TERMS OF USE. MEMBERS 1ST RESERVES ALL RIGHTS NOT EXPRESSLY GRANTED TO YOU.
You are granted a non-exclusive, non-sublicensable, non-transferable, personal, limited license to install and use the Mobile Card on your Supported iOS Device solely in accordance with these Terms of Use. The license is limited to use on any Supported iOS Device that you own or control and as permitted by any applicable Third Party Agreements. Such license does not allow you to use the Mobile Card(s) on any device that you do not own or control (or for which you do not have authorization to install or run Apple Pay or the Mobile Card, such as where prohibited by applicable security policies in the case of corporate users), and you may not distribute or make any Mobile Card available over a network where it could be used by multiple devices at the same time.
Certain software that Members 1st uses to provide the Mobile Card(s) has been licensed from third parties (each a "Third Party Licensors") that are not affiliated with Members 1st. This limited right to use such software is revocable at the discretion of Members 1st. Members 1st and its Third Party Licensors retain all right, title and interest in and to the software used by Members 1st to provide the Mobile Card(s) and any modifications and updates thereto. You agree that you will not use any third-party materials associated with the Mobile Card(s) or the Apple Payment Services in a manner that would infringe or violate the rights of any party, and that we are not in any way responsible for any such use by you. All third party intellectual property marks, including the logos of merchants, are the property of their respective owners.
You may not rent, lease, lend, sell, redistribute or sublicense the Mobile Card or the Apple Payment Services. You may not copy, decompile, reverse engineer, disassemble, attempt to derive the source code of, modify, or create derivative works of any Mobile Card or the Apple Payment Services, any updates, or any part thereof (except as and only to the extent any foregoing restriction is prohibited by applicable law or to the extent as may be permitted by the licensing terms governing the use of any open sourced components included with a Mobile Card or the Apple Payment Services). Any attempt to do so is a violation of the rights of Members 1st and its Third Party Licensors. If you breach this restriction, you may be subject to a civil lawsuit, prosecution and damages. The terms of the license will govern any upgrades provided by Members 1st that replace or supplement any Mobile Card, unless such upgrade is accompanied by a separate agreement in which case the terms of that agreement will govern.
You agree that a Mobile Card may be automatically updated or upgraded without notice to you. At any time, at our sole discretion and without prior notice, we may expand, reduce or suspend the type and/or dollar amounts of transactions allowed using a Mobile Card or change the enrollment process.
The license granted hereunder is effective until terminated by you or Members 1st. Your rights will terminate automatically without notice from Members 1st if you fail to comply with these Terms of Use or if we terminate your use of your Mobile Card. Upon termination of the license, you must cease all use of the Mobile Card and delete all Mobile Card(s) from Apple Pay.
11. GOVERNING LAW
These Terms of Use, your use of any Mobile Card, and any claim, dispute or controversy arising from or relating to these Terms of Use or your use of any Mobile Card are governed by and construed in accordance with the laws of the State of California (without regard to its conflict of laws rules) and applicable federal law. The legality, enforceability, and interpretation of these Terms of Use and the amounts contracted for, charged, and received under these Terms of Use, if any, will be governed by such laws. These Terms of Use are entered into between you and us in California. Subject to the arbitration provision in the applicable Card Member Agreement, you expressly agree that exclusive jurisdiction for any claim or dispute with us or relating in any way to these Terms of Use or your use of any Mobile Card resides in the courts of Redding, California and you further agree and expressly consent to the exercise of personal jurisdiction in such courts of California in connection with any such dispute including any claim involving us or our affiliates, subsidiaries, employees, contractors, officers, directors, agents and content providers.
12. MISCELLANEOUS
Your access to and use of a Mobile Card is subject to all applicable international, federal, state and local laws and regulations. We reserve the right to seek all remedies available at law and in equity for violations of these Terms of Use. These Terms of Use (including all agreements and policies referenced in these Terms of Use, which are not modified or superseded by these Terms of Use) set forth the entire understanding and agreement between you and us, whether written or oral, with respect to the subject matter hereof and supersede any prior or contemporaneous understandings or agreements with respect to such subject matter. If any part of these Terms of Use are determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid enforceable provision that most closely matches the intent of the original provision, and the remainder of these Terms of Use shall continue in effect. Our failure to exercise or enforce any right or provision of these Terms of Use shall not constitute a waiver of such right or provision. The Section titles in these Terms of Use are for convenience only and have no legal or contractual effect. We may assign these Terms of Use, in whole or in part, at any time with or without notice to you. You may not assign these Terms of Use, or any part of it, to any other party. Any attempt by you to do so is void. These Terms of Use shall inure to the benefit of and be binding upon the parties hereto and their successors and assigns. There are no third-party beneficiaries to these Terms of Use, except that Members 1st affiliates are third-party beneficiaries of these Terms of Use with the right to enforce them. If a dispute relates or arises from the subject matter of these Terms of Use and relates to any Mobile Card, such dispute will be governed by the arbitration provision in the Card Member Agreement applicable to the most recent Mobile Card you have created in Apple Pay. The terms of this Section 12 will survive termination of these Terms of Use, together with any other terms which by their nature the parties contemplate should survive.
13. CHANGES TO THESE TERMS OF USE
We reserve the right to revise these Terms of Use at any time and you are deemed to be aware of and bound by any changes to these Terms of Use by your continued access to or use of any Mobile Card. We will indicate that changes to these Terms of Use have been made by updating the date indicated after "Last Modified:" at the beginning of these Terms of Use. You will also be able to view the revised Terms of Use on your Supported iOS Device by accessing any of your Mobile Cards. If you do not accept any revisions made to these Terms of Use, your sole and exclusive remedy is to cancel your use of and delete all Mobile Card(s).
14. COMMUNICATION
As a condition to activating and using Mobile Cards, you consent to receive certain messages on your Supported iOS Device (i.e., SMS, MMS) from us. You also agree to receive notices and other communications from us by e-mail to the e-mail address on file for the relevant Eligible Card account, posting within your online account, or through the messaging capabilities of Apple Pay, although e-mail will be our primary method of communication to you.
To update the contact information we have on file for you, please go to the Members 1st Mobile app, MembersOnline.org, or call the number on the back of your Eligible Card.
15. INDEMNIFICATION
You shall indemnify and hold Members 1st, its licensors, sponsors, agencies and its parents, subsidiaries, affiliates, officers and employees, harmless from any claim or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of (i) your use of any Mobile Card and the Apple Payment Services or (ii) any breach of the terms and conditions set forth in these Terms of Use by you, your Additional Card Members or other users of the Apple Payment Services using your Mobile Card or credentials. You must use your best efforts to cooperate with us in the prosecution or defense of any such claim. We have to employ counsel of our choice to defend and control of any such matter subject to indemnification by you. You have the right, at your own expense, to employ separate counsel to participate in such matter on a non-controlling basis. As provided in the Card Member Agreement, the Basic Card Member is responsible for all uses of the Card account by Additional Card Members. The Basic Card Member will also be responsible for all uses made by third parties the Basic Card Member gives access to, including if these third parties misuse any Mobile Card or the Apple Payment Services.
The Unlawful Internet Gambling Enforcement Act of 2006 (effective June 1, 2010) implemented regulations which prohibit commercial/business members from receiving deposit or other credits of any kind relating to their operation of an illegal internet gambling business. Unlawful internet gambling means to place, receive, or otherwise knowingly transmit a bet or wager by any means which involves the use, at least in part, of the internet where such bet or wager is unlawful under any applicable federal or state law in the state or tribal lands in which the bet or wager is initiated, received, or otherwise made.
Unlawful internet gambling transactions are prohibited from being processed through your accounts and your relationship with the credit union. This includes transactions involving payments made through credit cards, debit cards, ATM cards, reloadable cards, electronic funds transfers or ACH, wire transfers, checks and bill payments. Members 1st Credit Union is required to enforce that prohibition.
It is Members 1st Credit Union’s policy to not open or maintain any account for commercial/business members held with the intent to conduct or engage in internet gambling activity, whether legal or illegal. If the credit union discovers or determines that an existing commercial/business member transacts or engages in internet gambling activity as defined by the UIGEA, the credit union reserves the right to restrict services or terminate the account relationship.
If you have any questions about this federal regulation, please contact the credit union at (530) 222-6060 or (800) 303-3838.