Terms and Conditions
SMCU OnLine Disclosure And Agreement
ELECTRONIC FUND TRANSFERS DISCLOSURE AND AGREEMENT
This EFT Disclosure and Agreement as amended from time to time ("Agreement") sets forth the terms and conditions governing the use of the San Mateo Credit Union electronic transfer services. Disclosure information that applies to all electronic services offered by San Mateo Credit Union is given below, followed by specific disclosure information for each service. This Agreement takes the place of all prior agreements and disclosures governing the use of all electronic services. By retaining, using, or allowing others to use the electronic services offered by San Mateo Credit Union, you are agreeing to be bound by the terms and conditions of this Agreement. In this Agreement, the term "you" and "your(s)" refer to the member, and the terms "we," "us" and "our(s)" refer to San Mateo Credit Union.
PERSONAL IDENTIFICATION NUMBER
We will issue you a Personal Identification Number (PIN) that must be used with the Call-24 and online services. To use SMCU OnLine you will need to choose a PIN and an online password. The first time you use SMCU OnLine you will be asked to enter your account number, your Call-24 PIN, which serves as you temporary Password, and other identifying information. Once you have entered the information, you'll be asked to choose a Password of your choice. This number and/or password should be memorized-DO NOT write it on your ATM/Check Card. If you forget your PIN, contact the Credit Union and we will issue you a new one.
Additional Disclosures Applicable To SMCU OnLine
You may use your SMCU OnLine service to perform the following transactions: Obtain account/loan balance information; Obtain loan payment due date and payoff information; Obtain last dividend, date and amount; Obtain clearance of specific checks; Request check withdrawals from your share draft/checking and share/savings account; Transfer funds between your share draft/checking, share/savings account and Line of Credit; Access your Line of Credit for loan advancements; Download transaction information to personal financial management software from share draft/checking, share/savings and loan accounts; Make loan payments; Pay bills through Bill Pay from share draft/checking account, and view statements.
LIMITATIONS ON TRANSACTIONS
The maximum transaction amount for use of SMCU OnLine is $10,000 during any 24-hour period.