Online Financial Services

Please read through the following agreement, and when you are finished select “I agree” at the bottom to access your online account.

I understand that Elm River Credit Union (ERCU) Online Financial Services is subject to the Electronic Funds Transfer Act, appropriate state and federal laws, and ERCU's Deposit Account Terms and Conditions. The use of Online Financial Services may also be subject to other terms, conditions, and requirements as ERCU may establish them from time to time. All services added later are covered under this agreement and use of those new services authorizes ERCU to carry out transactions under Online Financial Services.

I understand that I cannot use Online Financial Services without a PIN (Personal Identification Number). I understand that my PIN may be used for check withdrawals, transfers within my account(s), access to my account information, and various other transactions as they are or may become available. The safeguarding of my PIN is solely my responsibility. If I allow anyone access to my PIN, whether they are an authorized signer on my account or not, I will not hold ERCU liable for the transactions that take place as a result of someone else using my PIN. I am responsible for all transactions to my account by use of Online Financial Services.

ERCU will NOT be liable for:

  • If through no fault of the Credit Union, I/we do not have enough money in my/our account to carry out the transaction or a hold has been placed on my/our account.
  • If the Online Financial Services system is not in communication with its central computer.
  • If circumstances beyond the Credit Union's control (such as a fire or flood ) prevent the transaction.

Unless there is negligence on the part of ERCU, I waive all present and future claims against the Credit Union and release ERCU of all loss or damages which might occur through unauthorized transactions from my account(s) through the custody or use of the PIN.

If I default in any amount I owe under this agreement, I agree to pay any and all attorney fees and collection costs incurred by ERCU.

I understand the ERCU reserves the right to discontinue Online Financial Services service to me without notice and will not be liable for the failure to honor any Online Financial Services transactions.

I agree that I have read this disclosure and agreement and agree to the terms and conditions above.