Terms and Conditions

Welcome to the online banking services of Cretio Federal Credit Union (CFCU). By accessing or using our online banking services, you agree to comply with and be bound by the following terms and conditions. Please read them carefully.

1. Acceptance of Terms

By using the CFCU online banking platform, you acknowledge that you have read, understood, and agree to these Terms and Conditions and our Privacy Policy. If you do not agree, you must not use the services.

2. Eligibility

To use CFCU online banking, you must be a member of CFCU with a valid account. Users must be at least 18 years old or meet the legal age in their jurisdiction to enter into binding contracts.

3. Account Security

• You are responsible for maintaining the confidentiality of your login credentials, passwords, PINs, and any other access information.
• You agree to notify CFCU immediately if you suspect any unauthorized access to your account.
• CFCU is not liable for any loss or damage arising from unauthorized access due to failure to safeguard your credentials.

4. Use of Services

CFCU provides online banking services including, but not limited to, account balance inquiry, fund transfers, bill payments, and transaction history. You agree to use these services responsibly and in accordance with applicable laws and regulations.

5. Transaction Limits and Accuracy

Transactions processed via online banking are subject to CFCU's policies, transaction limits, and verification procedures. While we strive for accuracy, we are not responsible for errors due to system malfunctions or delayed processing.

6. Fees and Charges

Any fees related to online banking services will be outlined in your account agreement. CFCU reserves the right to modify fees and charges upon notice to members, as permitted by law.

7. Prohibited Activities

You agree not to:

• Use the service for illegal or fraudulent purposes.
• Access or attempt to access other users' accounts.
• Interfere with or disrupt the online banking system.
• Use automated scripts or tools to interact with our system without permission.

8. Privacy and Data Protection

CFCU collects and processes your personal information in accordance with our Privacy Policy. By using our services, you consent to the collection, use, and storage of your data for banking purposes and regulatory compliance.

9. Limitation of Liability

CFCU is not liable for any direct or indirect losses, damages, or interruptions caused by system failures, network issues, or unauthorized access resulting from negligence in safeguarding your credentials.

10. Amendments

CFCU reserves the right to amend these Terms and Conditions at any time. Updated terms will be posted on our website, and continued use of our services constitutes acceptance of any changes.

11. Termination

CFCU may suspend or terminate your online banking access if you violate these Terms and Conditions or for other legitimate reasons. You may also terminate your account according to your membership agreement.

12. Governing Law

These Terms and Conditions are governed by the laws of the jurisdiction in which CFCU is registered. Any disputes arising from the use of our online banking services shall be resolved according to applicable law.

13. Contact Us

If you have questions about these Terms and Conditions or our services, please contact CFCU support at support@cfcu.com or call our helpline at +123-456-7890.

By using CFCU online banking, you acknowledge that you have read, understood, and agreed to these Terms and Conditions.