This page explains the terms and conditions for using our
Online Banking Service and provides certain disclosures and information
to you concerning the service. Each of your accounts at Willow Island
Federal Credit Union is also governed by the applicable account
disclosure/agreement and Truth In Savings disclosure you received
when you opened your account.
How To Access Your Accounts:
To access your accounts through our Online Banking service,
you must have your account number and an Online Banking password.
This information is requested when you enter our Online Banking pages.
The password that is used to gain access to your information should
be kept confidential, just as you would keep other PIN numbers and
security codes confidential. For your protection we recommend that
you change your Online Banking access password regularly. It is recommended
that you memorize this password and do not write it down. You are
responsible for keeping your password, account numbers and other
account data confidential. If you share your password with the joint
owner of your account, or your spouse, or any other individual who
is not a joint owner, he or she will have full access to ALL share
and loan account information, and be able to initiate transactions
available through this service. 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 Willow Island Federal Credit Union at once at (304) 665-1127.
You cannot use E-mail to initiate transactions, change information
or inquire on your account(s). We will not respond to these types
of requests via E-mail since we cannot be certain we are corresponding
with you. Please use the appropriate functions within our Online Banking
service, call (304) 665-1127 or visit the credit union for these
There is currently no fee for accessing your account(s) through
our Internet Online Banking service. We reserve the right to impose
/ change the fee amount, if necessary, after providing 30 days notice
to all users at the Online Banking login page and/or 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
Available Services and Limitations:
The following functions may be performed by members through the
Transfers: You may transfer funds
between your Share Accounts as the account agreements may allow.
Transfers done through the service DO NOT immediately charge or
credit your account. TRANSFERS WILL BE EFFECTIVE BY THE NEXT BUSINESS
DAY AFTER THE DATE OF SUCH TRANSACTION but may occur sooner.
Account Balances: You may view your
share and loan account balances. Because the main credit union
computer system is not connected to the internet, it is possible
that some transactions that affect these balances, and have been
processed by the credit union, are not yet included in the balance
at the time you view it. In addition, there may be drafts written
against your balance, or other electronic items such as debit
card transactions, that have not yet been presented to the credit
union for payment.
Transaction History: You may view
the transaction history for any loan or share account. Because
the main credit union computer system is not connected to the
Internet, it is possible that some transactions are not yet included
in the history at the time you view it even though they may have
been processed by the credit union. The main credit union computer
system is always the official record of account history. The Online Banking service may be updated several times per day for your
convenience in viewing account activity.
Download Transactions: You may download
transactions in various formats (as available on our site) for
import into personal financial software programs.
Password Changes: If you are an Online Banking user, you may change your password at any time from within
the Online Banking section. For your protection we recommend that
you change your Online Banking password regularly.
Opt in Email: You can request that
we keep you informed via email regarding specials and/or promotions
at the credit union.
Transaction Search: You may search
for drafts and other transactions that have cleared your account.
You may also list clearings by date, cleared check number, transaction
description or other means. The oldest transaction available will
vary, but dates will go back, at a minimum, to your last regular
The information regarding your account balances on this website
is provided to you as a courtesy pursuant to your request. For members
that have filed a petition seeking bankruptcy protection under any
chapter of the U.S. Bankruptcy Code, no demand for payment is hereby
made, and the information provided is not to be construed as an
attempt to collect or recover any claim or debt in violation of
the provisions of 11 U.S.C. Section 362.
From time to time, we will announce additional services, which are
available through our Online Banking. 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
Our business days are Monday through Friday. Transactions
requested on Saturday, Sunday or holidays will be processed on the
next business day.
Operating Systems and Security:
Our Online Banking site is designed to operate using world
wide web technologies and protocols, which are adaptable to a wide
range of systems. The Online Banking section uses SSL encryption and
requires a browser with a current (unexpired) Thawte Root CA 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 users browser.
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 Online Banking domain (homecu.net). 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 our
Online Banking section. Until it times out, you can come back to our
Online Banking without logging in. After the time out period, you
will need to log in again. Remember, most browsers will let you
use a BACK button to view previously visited documents, even if
your viewing authority has expired. For this reason, the only way
to keep others from viewing your account balance is to exit the
browser when you are finished with your session. This is especially
important if you are using a public or shared computer.
Protecting Children's Online Privacy:
We do not knowingly collect, nor is our Online Banking site
designed or directed, to use personal information from children
under the age of 13 without containing verifiable consent from their
parents. Should a child whom we know to be under the age of 13 send
personal information to us, we will only use that information to
respond directly to that child, seek parental consent or provide
Our Online Banking 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 Online Banking server and your PC.
All Online Banking logins are logged by the server. For authenticated
members who use Online Banking, we collect and store certain information
such as how often you visit the Online Banking 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 to do
so by law.
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 see
Liability for Unauthorized Transfers:
Tell us AT ONCE if you believe your password has been lost
or stolen and immediately change your password from within the Online Banking section. Calling is the best way to notify us immediately.
You could lose all the money in your account. If you tell us within
two (2) business days, you can lose no more than $50 if someone
used your password without your permission.
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 if we can prove that we could
have stopped someone from taking the money if you had told us in
If a good reason kept you from telling us, we will extend the time
If you believe your password has been lost or stolen or that someone
has transferred or may transfer money from your account without
your permission, call:
Willow Island Federal Credit Union
7910 S Pleasants HWY, St Marys, WV 26170
All transactions generated by you through our Online Banking
service and any Online Banking fees will appear on your monthly or
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 Online Banking 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 or flood) 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 Online Banking
service, 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.
Errors and Questions:
In case of errors or questions about your electronic transfers,
telephone us at (304) 665-1127, or write us at 7910 S Pleasants HWY, St Marys, WV 26170 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
Your name and account number;
Why you believe there is an error and the dollar amount involved;
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 the investigation.
If we decide that there was no error, we will send you a written
explanation within three (3) business days after we finish our investigation.
You may ask for copies of the documents that we used in our investigation.
If you need more information about our error resolution procedures,
call us at the telephone number shown above.