Envision Credit Union eBranch
are the terms and conditions for using our eBranch
Service (access by you to your accounts at Envision Credit Union via an
electronic device, for example, a personal computer) and provides certain disclosure information to you
concerning the service. Each of your accounts at Envision Credit Union is also
governed by the applicable Member Account and Truth-In-Savings Disclosures you
received when you opened your account.
TO CONTACT ENVISION CREDIT UNION:
Call us at 850-942-9000, or toll free at
800-824-3894. Write to us at: PO Box
5198, Tallahassee, FL 32314, ATTN: eCommerce
TO ACCESS YOUR ACCOUNTS:
access your accounts through our eBranch service, you
must have your account number and an eBranch password.
This information is requested when you enter our eBranch
The password that is used to gain access to your information should be kept
confidential, just as you would keep other PIN and security codes confidential.
For your protection we recommend that you change your eBranch
access password regularly, memorize your password and do not write it down. You
are responsible for keeping your password, account numbers and other account
data confidential. If you believe that your password may have been lost or
stolen, or that someone has transferred or may transfer money between your
accounts without your permission, notify Envision Credit Union at You cannot
use e-mail to initiate transactions, change information or inquire on your
account (s). We will not respond to such requests via e-mail since we cannot be
absolutely certain we are corresponding with you. Please use the appropriate
functions within eBranch, or contact us or visit the
Credit Union for these services. To get an initial password for
the eBranch service, complete the self-enrollment
process, or visit any Credit Union office or call us for assistance with the
self-enrollment process or if your account does not qualify for the
There is currently no
fee for accessing your account(s) through our eBranch
service. We reserve the right to impose and /or change the fee amount, if
necessary, after providing 30 days notice to all users on the eBranch login page and/or by email to the users’ e-mail
address. Your Internet service provider (ISP) probably charges you a fee to
access the Internet via its server. We have no control over ISP related fees.
SERVICE & LIMITATIONS:
transactions may be performed by members through eBranch:
Transfers: You may transfer funds between your Share or
Loan Accounts as the account agreements may allow. Transfers done through the
service MAY NOT immediately charge or credit your account.
Recurring Transfers: You may set up and edit regularly scheduled transfers between
your Share or Loan Accounts as the account agreements
may allow. Transfers done through the service DO NOT immediately charge or
credit your account. TRANSFERS WILL BE EFFECTIVE NOT LATER THAN BY THE NEXT
BUSINESS DAY AFTER THE DATE OF SUCH TRANSACTION.
Account Balances: You may view your share and loan account balances. Because the
Credit Union’s main computer system is not directly connected to the Internet,
there may be a delay between the time a transaction is processed and the time
an updated balance is viewable within eBranch. In
addition, there may be checks/drafts, or other electronic items such as debit
card transactions, that have not yet been presented to the Credit Union for
payment and therefore, not yet posted to the available balance when viewing it
Transaction History: You may view the transaction history for any loan or share
account. Because the Credit Union’s main computer system is not directly
connected to the Internet, there may be a delay between the time a transaction
is processed and the time it is reflected in the account history viewable
within eBranch. The Credit Union main computer system
is always the official record of an account’s transaction history. eBranch may be updated several
times per day for your convenience in viewing account activity.
Password Changes: If you are an eBranch user, you may
change your password at any time from within the eBranch.
For your protection we recommend that you change your eBranch
You may search for checks that have cleared your account. You may also list
clearings by date cleared or by check number. Checks may be viewed on line for
up to three (3) months from the date the check clears your account.
e-Deposits provide a convenient way for you to deposit a paper check without
having to travel to a branch or ATM. You may initiate a deposit through
e-Deposit by including the deposit details, such as the amount, check number
and payor (the person signing the check). You will
immediately receive an e-Deposit Tracking ID and will need to record the
e-Deposit Tracking ID on the back of the check and on the envelope. You will
mail the check(s) to the Credit Union and which will need to be received by the
Credit Union within seven days. Checks not received within seven (7) days may
result in fees as provided in our Fees for Services schedule. Checks not
received with ten days may result in reversal of the deposit and the imposition
of fees as provided in our Fees for Services Schedule.
Additional Services: From time to time, we will announce additional services which
become available through eBranch. Your use of these
services will constitute acceptance of the terms and conditions presented at
the time they are announced.
We reserve the right to limit access or cancel on-line access at any time.
Our business days are
Monday through Friday. Holidays are not included.
SYSTEMS & SECURITY:
eBranch is designed to operate using world wide web
technologies and protocols which are adaptable to a wide range of systems. The eBranch section uses SSL encryption and requires a browser
with a current security certificate. Some older browsers may not be able to
connect to the site without first updating the browser security certificate.
Our server uses 40 to 128 bit encryption, depending on the user's browser.
section. Some browsers allow you to reject cookies from servers. If you don't
allow us to set a cookie upon entering the site, you will not be able to log
in. The cookie we set contains information we need for security, and allows us
to 'time out' your authority to view information. We place the cookie with
instructions that it can only be sent to a server in our eBranch
domain, pcu.envisioncu.com. A cookie cannot be used to extract data from your
PC. We do not store your Access Code, User Id or Password in your cookie. The
cookie we set will 'time out' your access authority to use our eBranch section.
The eBranch database is a private system operated for the
exclusive use of our members. We use SSL encryption and digital server
authentication to insure the privacy of your information when sending data
between our eBranch server and your PC.
All eBranch logins are logged by the server. For
authenticated members who use eBranch, we collect and
store certain information such as how often you visit the eBranch
section, dates and times of visits and which pages are being used. We use this
information for internal review and product evaluation only. We never sell,
transfer or trade this information unless we are compelled by law to do so.
We may gather and store additional information available to us on failed login
attempts and other activity we consider a threat to our system. In these cases,
we will share this information with other companies, agencies and law
enforcement officials as we determine necessary or as we are required by law.
FOR UNAUTHORIZED TRANSFERS:
Tell us AT ONCE if you
believe your password has been lost or stolen and immediately change your
password from within eBranch. Calling is the best way
to notify us immediately. If someone used your password without your permission
and you tell us within two (2) business days, you can lose no more than $50.
Otherwise, you could lose all the money in your account. Also, if your
statement shows transfers that you did not make, tell us AT ONCE. If you do not
tell us within sixty (60) days after the statement was mailed to you, you may
not get back any money you lost after the sixty (60) days, provided we can
prove that we could have stopped someone from taking the money had you had told
us in time. If a good reason kept you from telling us, we may extend the time
All transactions generated
by you through our eBranch service and any eBranch fees will appear on your monthly or quarterly
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/disclosure with you, we
will be liable for your losses or damages. However, there are some exceptions.
We will not be liable, for instance:
If, through no fault of ours, you do not have enough money in your account to
make the transfer;
If the eBranch equipment or software was not working
properly and you knew about the breakdown when you started the transfer;
If circumstances beyond our control (such as fire, flood or power failure)
prevent the transfer despite reasonable precautions that we have taken.
We shall not be responsible for any other loss, damage or injury whether caused
by the equipment, software and/or the eBranch, nor
shall we be responsible for any direct, indirect, special or consequential
damages arising in any way out of the installation, use or maintenance of your
equipment, software and/or service, except where the law requires a different
standard. We do not make any warranties concerning the equipment, the software
or any part thereof, including, without limitations, any warranties of fitness
for a particular purpose or warranties of merchantability.
In case of errors or
questions about your electronic transfers, contact us as soon as you can. We must hear from you no later than sixty
(60) days after you learn of the error. You will need to tell us:
Your name and account
Why you believe there
is an error
The dollar amount
Approximately when the
error took place.
If you tell us orally,
we may require that you send us your complaint or question in writing within
ten (10) business days. We will tell you the results of our investigation
within ten (10) business days and correct any error promptly. If we need more
time, we may take up to forty-five (45) days to investigate the complaint, but
you will have the use of the funds in question after the ten (10) business
days. If we ask you to put your complaint or question in writing and we do not
receive it within ten (10) business days, we may not credit your account during
We will notify you with the results within three (3) business days of
completing our investigation. If we decide there was no error, we will send you
a written explanation. You may request copies of the documents that we used in
If you need more information about our error resolution procedures, please
RECORDS CONSENT AGREEMENT:
You agree to be bound by all terms and conditions of this eBranch
Disclosure, including, without limitation, this Electronic Records Consent
Agreement. Envision Credit Union (“Credit Union” or “we”) may modify the
Disclosure and this Agreement from time to time in its sole discretion, and
such modifications shall be effective immediately upon delivery to you in
either electronic or paper format.
consent and agree that we may, in our sole discretion, provide all disclosures,
agreements, contracts, periodic statements, receipts, modifications,
amendments, and all other evidence of our transactions with you or on your
behalf electronically (hereinafter all such documentation is referred to as
"electronic record(s)"). You understand that electronic records may
include information about you and your account, including, but not limited to,
your name, address, account numbers, check numbers and balance information. We may provide you any
or all electronic records at the e-mail address you provided to us at account
opening or through eBranch or we may post any or all
electronic records at our home banking site (“eBranch”)
on our website, [www.envisioncu.com]. If we post electronic records on our
website, we will send a notice to you either at the e-mail provided to us or
within eBranch alerting you of the posting of such
records. If we send a notice to you within eBranch,
you will not receive a separate e-mail outside eBranch
alerting you of the posting of such records; you must log in to eBranch from time to time to receive such notices. You
agree that you will log in to eBranch at least once
every 30 days to ensure you receive such notices. If we post electronic records on eBranch, the electronic records will remain available for
at least ninety (90) days. We reserve the right to send any or all records to
you in paper form to your current postal mailing address in our file.
You have a right to receive
a paper copy of any of these electronic records if applicable law specifically
requires us to provide such documentation. You may withdraw your consent and
revoke your agreement to receive records electronically. To request a paper
copy or to withdraw your consent and agreement to receive electronic records, please
contact us. A fee to cancel this service
or to request paper copies of these electronic records may be imposed as set
forth in your Fee Schedule.
EXCLUSION OF WARRANTIES. CREDIT UNION IS
PROVIDING ELECTRONIC RECORDS "AS IS" WITHOUT ANY WARRANTY OF ANY
KIND, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES
OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON INFRINGEMENT AND
TITLE. CREDIT UNION DOES NOT WARRANT THAT ELECTRONIC RECORDS ARE ERROR-FREE, OR
THAT ACCESS TO AND USE OF ELECTRONIC RECORDS WILL BE UNINTERRUPTED OR
LIMITATION OF LIABILITY. EXCEPT AS REQUIRED BY
APPLICABLE LAW, IN NO EVENT SHALL CREDIT UNION BE LIABLE FOR ANY DAMAGES
WHATSOEVER (INCLUDING, WITHOUT LIMITATION, DIRECT, INDIRECT, SPECIAL OR
CONSEQUENTIAL DAMAGES) ARISING OUT OF THE DELIVERY, PERFORMANCE, OR USE OF
ELECTRONIC RECORDS, WHETHER INCURRED BY YOU OR ANY THIRD PARTY, EVEN IF CREDIT
UNION HAS BEEN ADVISED OR MAY OTHERWISE KNOW OF THE POSSIBILITY OF SUCH
DAMAGES. IF ANY LIABILITY IS IMPOSED ON CREDIT UNION, CREDIT UNION’S TOTAL
LIABILITY TO YOU OR ANY THIRD PARTY SHALL NOT EXCEED THE AMOUNT YOU PAID FOR
ELECTRONIC RECORDS. THE FOREGOING SHALL CONSTITUTE CREDIT UNION’S ENTIRE
LIABILITY AND YOUR EXCLUSIVE REMEDY HEREUNDER.
You may not assign
this Agreement to any other party. Credit Union may assign this Agreement in
its sole discretion without your consent. Credit Union may also, in its sole
discretion and without your consent, assign or delegate certain of its rights
and responsibilities under this Agreement to independent contractors or other
This Disclosure and
this Agreement are governed and shall be construed in accordance with the laws
of the State of Florida, excluding its choice of law rules. In the event legal
action is necessary to enforce this Disclosure or this Agreement, the
prevailing party has the right to payment by the other party of reasonable
attorney’s fees and costs, including any appeal and post-judgment actions, as
applicable. Except as prohibited by applicable law, you and Credit Union agree
that such legal action shall be filed and heard in Leon County, Florida. Any
disputes regarding this Disclosure or this Agreement shall be within the
jurisdiction of the courts of Leon County, Florida. Failure or delay in
enforcing any right or provision of this Disclosure or this Agreement shall not
be deemed a waiver of such provision or right with respect to any subsequent
breach or a continuance of an existing breach. If any
provision of this Disclosure or this Agreement shall be held to be
unenforceable, that provision will be enforced to the maximum extent possible,
and the remaining provisions of this Disclosure and this Agreement will remain
in full force and effect.
and Software Requirements:
To receive electronic
records, you need a computer with internet access. Your browser must support 128-bit
encryption. By requesting any electronic funds transfers,
internet banking, other electronic records, services or transactions, by
submitting any application or agreement to us electronically or by e-mailing
us, you represent that you have such equipment and software and that you can
download, access, read, review, print and store the electronic records we
provide to you.
You acknowledge and
agree that the Internet is considered inherently insecure. Therefore, you agree
that we have no liability to you whatsoever for any loss, claim or damages arising or in any way related to our response(s)
or our failure to respond to any e-mail or other electronic communication from
you or which we in good faith believe you have submitted to us. We have no duty
to investigate the validity or to verify any e-mail or other electronic
communication. If we choose to respond to an e-mail communication, we may
respond to an e-mail communication provided by you to either the address
provided with the communication or the e-mail address set forth below.
Any e-mail returned to
us as undelivered may be re-sent to you at any other e-mail address that we
have in your file, unless you have previously informed us through electronic or
written notice that an e-mail address is no longer valid.
Although we have no
obligation to do so, we reserve the right to require authentication of e-mails
or electronic communications. The decision to require authentication is in the
sole discretion of the Credit Union. We will have no obligation, liability or
responsibility to you or any other person or company if we do not act upon or
follow any instruction to us if a communication cannot be authenticated to our
As stated above, we
may refuse to accept any e-mail communications from you as determine by us in
our sole discretion without notice to you.
Signature: By selecting the
"I Agree" button below, you consent and agree that your Account
Number and authorized eBranch Access Code/PIN which
were used to access this page constitute your signature, acceptance and
agreement to the terms and conditions provided on in this page, as if actually
signed by you in writing. Further, you agree that no certification
authority or other third party verification is necessary to the validity of
your electronic signature. You agree that the lack of such certification
or third party verification will not in any way affect the enforceability of
your signature or any resulting contract between you and the Credit Union.