By selecting this link you are going to an alternate website not operated by WEOKIE. WEOKIE is not responsible for the content of the alternate website and does not represent either the third-party or a WEOKIE Account Holder, if the two enter into a transaction. The privacy and security practices of the third-party may differ from those practiced by WEOKIE. Please review the privacy and security policies of any site before providing any information.
The Online Banking web site contains disclosures and agreements specifically for e-bill payment. Upon using any electronic fund transfer (“EFT” ) service, you agree to the terms of this agreement and disclosure which governs the use of EFT services. In this agreement the words “we”, “us” and “our” mean WEOKIE Federal Credit Union and the words “you” and “your” mean the person or persons who signed the application for, or otherwise requested, the electronic transfer service and/or a card(s) and/or a Personal Identification Number (PIN) and each person to whom a card and/or a PIN has been issued. Any EFT service and/or card may not be used for any illegal transaction, or online gambling activity.
Federal regulations set limitations on the frequency of preauthorized and telephone transfers from savings accounts and money market accounts. Telephone transfers, as used in this section, refer to transfers initiated through Telephone Banking, Home Banking and those initiated by telephoning the credit union with instructions to transfer funds from your savings or money market account. You may make only six preauthorized withdrawals and/or telephone transfers from your money market account, of which no more than three may be by check or similar order payable to a third party, each month or statement period. The credit union is not considered a third party for the purposes of re-paying loans and associated expenses. The credit union allows three withdrawals per month from your savings account and for each subsequent withdrawal you will be charged $1.00.
There is a limit of 15 withdrawals per day, with a dollar amount limitation of $750 per day. The credit union may limit the amount of the withdrawal to current collected balances and all deposits are accepted on a provisional basis subject to collection through normal procedures.
POINT OF SALE - You may use your card to make purchases up to your “available balance” not to exceed 20 uses with a combined total limit of $3,000 daily, under certain circumstances, this amount may be lower if a PIN is used. Available balance is your account balance less any holds placed on your account by us. In the event the electronic system is not working you will be limited to a maximum of $200.
Transactions NOT approved by a Personal Identification Number (PIN) might be processed through a non-VISA network and may not be processed as a VISA transaction (e.g. transactions processed through Pulse or Accel/Exchange). A PIN-less transaction not processed as a VISA transaction does not include the benefits provided by VISA (e.g. zero liability, $50 consumer loss cap, the VISA charge back and dispute resolution, provisional credit policies of VISA, etc). A VISA transaction would be ATM transactions or the use of a debit card as a “credit” transaction. The provisions of this Agreement and Disclosure concerning debit card usage relates only to VISA transactions and are inapplicable to non-VISA transactions.
At the time of using a card you will receive a receipt when you use one of our terminals. If you have arranged to have direct deposits made to your account at least once every 60 days, from the same person or company, you can call us at (405) 235-3030 or our Telephone Banking (405-787-4283) or access Online Banking to find out if the deposit has been made. You will get a monthly checking account statement and a quarterly savings account statement detailing all transactions posted to the account.
If you believe your card or PIN has been lost or stolen, and you tell us within two business days after you learn of the loss or theft, you can lose no more than $50 (VISA limitations are $0 for Check Card except for negligence or fraud.) if someone used your card or PIN without your permission. If you do not tell us within two business days after you learn of the loss or theft of your card or PIN, and we could have stopped someone from using your card or PIN without your permission if you had told us, you could lose as much as $500. (VISA limitations are $50, except for negligence or fraud.)
Also, if your statement shows transactions that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods.
Our business days are Monday through Friday. Holidays are not included.
If you believe your card or PIN has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, or if you believe a transfer has been made using the information from your check without your permission, call: (405) 235-3030 during business hours and/or write: WEOKIE Federal Credit Union, P.O. Box 26090, Oklahoma City, OK 73126-0090. After business hours, weekends and holidays call 1-800-472-3272 option 2 for Check Card reporting.
If you have told us in advance to make regular payments out of your account, you can stop any of these payments by calling or writing us at the telephone number or address listed under item #9 in time for us to receive your request three business days or more before the payment is scheduled to be made. If you call, we will require the request to be in writing and received by the credit union within 14 days after you call. (We will charge you for each stop-payment order you give. See the Fee Schedule located in the Disclosures and Schedules brochure for the fee amount.) If these regular payments may vary in amount, the person you are going to pay should advise you, 10 days before each payment, when it will be made and how much it will be. (You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.) If you order us to stop one of these payments three business days or more before the transfer is scheduled, and we do not do so, we may be liable for your losses or damages.
If we do not complete a transaction 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 instance:
We will disclose information to third parties about your account or the transactions you make:
Cards - We are not, under any circumstances, obligated to reissue a lost or stolen card. We may cancel or invalidate your card at any time. You may cancel your card by cutting it in half and returning the pieces to us at one of our credit union locations or mailing it to the address in item #9.
If you close your account(s) which are accessible by the card, you agree to return the card to us at that time. If your account is accessible by Online Banking, your access will be restricted.
IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSACTIONS
Telephone us at: (405) 235-3030 or write us at: WEOKIE Federal Credit Union I P.O. Box 26090 I Oklahoma City, OK 73126-0090 as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt. We must hear from you not later than 60 days after we sent the FIRST statement on which the problem or error appeared. Please:
If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will tell you the result of our investigation within 10 business days (or 20 business days if the transaction occurred at a point-of-sale location or outside the United States) (or 5 business days for unauthorized use of a Check Card per VISA limitations) after we hear from you and correct any error promptly. If we need more time, however, we may take up to 45 days (or 90 days if the transaction occurred at a point-of-sale location or outside the United States) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (20 business days if the transaction occurred at a point-of-sale location or outside the United States) (or 5 business days for unauthorized use of a Check Card per VISA limitations) 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 10 business days, we may not credit your account. In case of errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or questions. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. If we decide that there was no error, we will send you a written explanation within 3 business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.