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Sunday, September 05, 2010 |
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 New Account Information
Once you join TEXTELCU you are eligible to apply for any personal financial services we offer. Please send a minimum deposit of $25.00 to open a savings account or a minimum deposit of $125.00 to open a savings and checking account, as well as a copy of your driver's license and social security card with your completed New Account Application. You may also send in a completed Visa Check Card Application or Loan Express Application with your minimum deposit and completed New Account Application. An TEXTELCU New Account Representative will contact you immediately upon receipt of these documents to advise you of your account number and assist you in establishing your direct deposit and processing any other personal financial services you have requested. Please go to the Products/Services page and Rates/Fees page for additional details regarding the account types you have requested.
The Three Minute Credit Card Application Information
You must be a member of TEXTELCU to apply for an TEXTELCU Mastercard or Mastercard Gold. Please complete this document to the best of your ability and include a copy of a recent paycheck stub with the Application. An TEXTELCU Loan Officer will contact you immediately upon receipt and review of your Application.
The Visa Check Card Application Information
You must be a member of TEXTELCU to apply for an TEXTELCU Visa Check Card. A credit analysis is required. A $500.00 line-of-credit is included with all Visa Check Cards. Please include a copy of a recent paycheck stub with the Application. An TEXTELCU Loan Officer will contact you immediately upon receipt and review of your Application. Please go to the Products/Services page for additional details.
The Loan Express Application Information
You must be a member of TEXTELCU to apply for a loan. Please complete this document to the best of your ability and include a copy of a recent paycheck stub with the Application. An TEXTELCU Loan Officer will contact you immediately upon receipt and review of your Application. Please go to the Products/Services page for additional details on the loan type your are requesting.
Wire transfer form information:
You must be a member of TEXTELCU to send a wire transfer. There is a $15.00 wire transfer fee for domestic wires. You will need the receiving financial institution's name, city, state, routing #, receiver's name, address, account #, and account type. Please sign the wire transfer form for verification of your transaction. Incomplete wire transfer forms may be delayed. Completed forms must be received by 2:00 PM to ensure same day transfer. International Wires require Financial Institution?s name, address, city, state, country, IBAN # , receiver?s name, account #, account type, address, city, state and country. Completed forms must be received before 11:00 a.m. to ensure same day processing. International wires fee is $25.00 There is no charge for incoming wires. Information required for incoming wires is detailed on the wire transfer form.
Stop payment form information:
You must be a member of TEXTELCU in order to place a stop payment request. There is a $25.00 per item fee. As a minimum you will need to know the check number(s) to be stopped. Please sign the stop payment form for verification of your transaction. Incomplete stop payment forms may not be processed. You cannot place a stop payment on your Visa Check Card purchases. A stop payment is in effect for six months (excluding stolen checks). It is your responsibility determine if a new stop payment form is required after the first one expires. Please see page two of this form for additional stop payment information. If this stop payment request is for a ACH item, additional information is required. Please contact the Credit Union.
 New Check Order Information
You must be a member of TEXTELCU with a checking account to request a check order. You will need to know the style code of the checks you request. Style codes can be found by clicking on a specific check image. You may order one, two, three or four boxes (175 checks per box) at one time. Check order charges will be automatically deducted from your checking account. Each box includes deposit slips and a check register. You may also choose specific typestyles, monagrams and accents at no extra charge. You will need to know the code of the item you request. Please determine the starting check number for reorders. In general, the starting check number for new orders should not exceed 300. Please sign the Check Order Form for verification of your order. Incomplete check order forms may not be processed. You should receive your checks within five to seven business days after your Check Order Form has been received. If you have additional questions regarding your check order please contact our office or send us an email from the Contact page.
TEXAS TELCOM CREDIT UNION
TERMS, CONDITIONS, AND DISCLOSURES
FOR INTERNET VIRTUAL BRANCH ACCOUNT ACCESS
In these Terms, Conditions, and Disclosures the words "we", "us", and "our" refer to Texas Telcom Credit Union. The words "you" and "your" refer to each person who signs the application for Internet Virtual Branch Account Access and each account owner or other person authorized to transact business on any Texas Telcom Credit Union account which may be accessed by way of the Texas Telcom Credit Union Internet Virtual Branch Account Access (the "Services")
Computer Equipment and Software
You will need computer hardware and software sufficient to enable you to access the Internet. You will need to have an Internet service provider and a browser that is SSL compliant which includes Microsoft Internet Explorer 3.X or greater or Netscape Navigator 3.X or greater. Both browsers are available from the Internet Virtual Branch Home Banking Services website,www.virtualbranch.com. We are not responsible for any loss, damage or injury, whether caused by your equipment or software, the Services, or any technical or editorial errors contained in or omissions from any user guide related to the Services. We will not 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 or the Services, except where the law requires a different standard.
New Services
We may, from time to time, introduce new Services or enhance the existing Services. We will notify you when these new or enhanced Services are available. By using these Services when they become available, you agree that they will be governed by these Terms, Conditions, and Disclosures as well as any additional terms, conditions, and disclosures we provide to you.
Member Service Information
Questions should be directed to Texas Telcom Credit Union (214) 320-8818 during business hours of 9:00AM to 5:00PM Monday through Friday. Holidays observed by Texas Telcom Credit Union are not considered business days. Mail may be also addressed to: Texas Telcom Credit Union, Internet Virtual Branch Account Access, 8818 Garland Road, Dallas, Tx. 75218. Or you may send email direct from the Internet Virtual Branch Account Access website or from the Contact page of www.TEXTELCU.org.
Charges
You will not be charged a monthly fee for utilizing the Internet Virtual Branch
Account Access as it is now offered. Fees may change from time to time. We will notify you in advance of any such change.
Statements
All transactions made via the Services will be listed on your monthly account statement (the "Statement") you receive from us. If your Statement shows unauthorized transfers tell us at once. See also "In Case of Errors About Your Electronic Transfers".
Confidentiality
We will disclose information to third parties about your account or the transfers you make; where it is necessary for completing transfers, or in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant, or in order to comply with government agency or court orders, or if you give us your written permission.
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 with you, we will be liable for your losses or damages. However, there are some exceptions. We will NOT be liable, for transfers if:
You do not obtain a Confirmation at the time you initiate a transfer or payment on your accounts.
Through no fault of ours, you do not have enough money in your account to make the transfer.
If the Services, your equipment, the software, or any communications link is not working properly and you know or have been advised by us about the malfunction before you execute the transaction.
If circumstances beyond our control (including but not limited to, fire, flood, or interference from an outside source) prevent the proper execution of the transfer and we have taken reasonable precautions to avoid these circumstances.
There are other exceptions stated in our Membership and Account Agreement with you.
In Case of Errors About Your Electronic Transfers
If you think your statement is wrong or if you need more information about a transfer listed on the statement contact us as soon as you can. We must hear from you no later than sixty (60) days after we send you the FIRST statement on which the discrepancy appeared. Tell us your name and account number. Describe the discrepancy or transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. Tell us the dollar amount of the suspected error. 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 after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (ten) business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. 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.
If you give notice of an error within 30 days after the FIRST deposit to an account is made, we will tell you the results of our investigation within twenty (20) days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to ninety (90) days to investigate your complaint or question. If we decide to do this, we will credit your account within twenty (20) business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation.
We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.
Additional Terms, Conditions, and Disclosures
You agree to be bound by and comply with the requirements of the Internet Virtual Branch Account Access Service and applicable state and federal laws and regulations.
We reserve the right to terminate your use of the Service, in whole or in part, at any time without prior notice.
If you wish to cancel your subscription to the Service, you must notify us in writing of cancellation.
We may change these Terms, Conditions, and Disclosures, and any applicable fees and charges at any time and we will notify you of any such charge prior to it's implementation.
These Terms, Conditions, and Disclosures shall be governed by and construed in accordance with the laws of the State of Texas to the extent not pre-empted by applicable federal law.
Internet Account Access Services Available The Internet Virtual Branch Account Access will provide you access to your account via the Internet from the Links page of our website www.TEXTELCU.org. You will need to enter your Social Security Number as the User ID and a user defined Security Code. You will receive, after your application has been processed, a temporary Security Code to use when you first Sign on to the Service. You will be prompted to change your Security Code as soon as you access your account. Your Security code may be a minimum of four (4) and a maximum of eight (8) numeric digits. Account Access will enable you to:
Inquire about Savings Account, Checking Account, Certificate of Deposit, and Loan balances.
Make Savings, Checking, Certificate of Deposit, and Loan history inquires.
Make advance(s) from your Line-of-Credit Loan and deposit funds to your Savings or Checking Account.
Make transfers if you have funds available:
Saving to Checking
Saving to your Loan(s)
Checking to Savings
Checking to your Loan(s)
In addition, you may make transfers to and from other accounts which you are a joint owner and have requested account access to on the Internet Virtual Branch Account Access application. If you or any account owner provide the Security Code to any other person, enabling that person to access accounts on the Internet Virtual Branch Account Access Service, all transactions made by that person using the Security Code will be considered an authorized use of the Service.
We strongly recommend that you memorize your Security Code. However, if you believe your Security Code has been lost you should change your code immediately from the Internet Virtual Branch Account Access, Options, Change Security Code. If you cannot Sign On contact us for assistance at once. If you believe your security code has been stolen or compromised change your Security Code immediately, review your transactions, and if discrepancies are noted, contact us for assistance immediately. You may telephone us during business hours 9:00AM to 5:00PM at (214) 320-8818. You may also email us during evenings, weekends or Holidays from the Contact page of our website at www.TEXTELCU.org which will be received the beginning of the next business day.
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| 8818 Garland Road Dallas, TX 75218 |  |  |
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