Disclosures

This information is pertinent and important to fully understanding your membership with NorthCountry.

Online Account Opening

Online Banking

To access your account with NorthCountry Online Banking, you will need a user name and password. If you do not have a user name and password, Contact Us. Upon accessing the service, you will be prompted to change your user name and password. If you wish to add a joint owner or other authorized user to have access to the account, you can set them up within online banking. Choose ‘Additional Services’ and then ‘Share Access’. You agree not to give your user name and password or access to your account to any person not authorized.

These rules govern the relationship between NorthCountry Federal Credit Union and each person authorized to use NorthCountry Online Banking, an Internet-based banking service. NorthCountry Online Banking services are also governed by any other separate agreement(s) you may have with NorthCountry Federal Credit Union including, but not limited to, the Credit Union's Membership and Account Agreement, Electronic Funds Transfer Agreement, any loan agreements and any amendments or changes made to this Agreement.

Except as stated in this agreement or any later agreement concerning NorthCountry Online Banking, your membership agreement and other disclosures and agreements for accounts previously given to you will govern all transactions made with the NorthCountry Online Banking service. All funds transferred from a loan account will be subject to the applicable loan agreement for accessing proceeds and secured by any security agreement for accessing your loan proceeds.

By using NorthCountry Online Banking, you agree to be bound by the terms and conditions contained in this Agreement.

Definitions

  • "We", "us", or "our" means the Credit Union and all of its affiliates and subsidiaries.
  • "You", and "your" means each person who has signed the NorthCountry Online Banking application or who uses NorthCountry Online Banking with your consent.
  • "Business Day" is defined as Monday through Friday from 8:30 am to 5:00 pm, except on federal holidays.
  • All references to time of day in this agreement refer to Eastern Standard Time.

Eligibility for NorthCountry Online Banking

NorthCountry Online Banking is available to members with accounts in good standing and a user name and password.

Equipment and Technical Requirements

To use NorthCountry Online Banking, Internet access and Internet browser software are required. The Credit Union makes no warranties on equipment, hardware, software or Internet provider service or any part of them, expressed or implied, including without limitation any warranties of merchantability or fitness for a particular purpose. The Credit Union is not responsible for any loss, injury or damages (whether direct, indirect, special or consequential) caused by the Internet provider, any related software, NorthCountry Online Banking or the use thereof. The Credit Union is also not responsible for any loss, injury or damages arising from the installation, use or maintenance of your personal computer hardware, software or other equipment.

Services

With NorthCountry Online Banking, you can:

  • Register for mobile banking and Snap-eDeposit®
  • Open and fund new accounts at the Credit Union
  • Withdraw funds from your savings, checking, money market, or line of credit accounts by check, made payable to you and mailed to you at the address on record at the credit union
  • Check account balances
  • Transfer funds between your checking, savings, money market, or line of credit accounts
  • Make credit union loan payments including Visa payments
  • Check your account history
  • View checks
  • Determine which checks have cleared
  • Verify your account balance
  • View account information for checking, savings, money market, certificate of deposit, and loan accounts
  • Pay most bills electronically through NorthCountry's Online Banking bill payer feature
  • Retrieve monthly statements (e-statements)
  • Retrieve notices
  • Reorder checks
  • File your federal and state taxes
  • Send payments to anyone with a mobile phone number or email address

From time to time, the Credit Union may enhance NorthCountry Online Banking with new services. By using these enhancements, you agree to be bound by the obligations and conditions concerning these services. You also agree to be bound by all the terms and conditions of any separate instructions that may be provided in conjunction with this system and any and all applicable state and federal laws and regulations.

Such services are subject to change at any time without prior notice to you.

Transfer Between Credit Union Accounts

You authorize the Credit Union to transfer funds electronically between your designated account(s) according to your instructions initiated through NorthCountry Internet Banking. All transfer transactions are immediately deducted from your account. Each account must be in your name.

Member Service

You may contact a NorthCountry Federal Credit Union Member Service Representative (MSR) by calling 1-800-660-3258 during the business day or using our online chat feature. MSRs may provide assistance within the guidelines set forth by NorthCountry Federal Credit Union and as required by law. MSRs are not authorized to negotiate any of the terms of this agreement.

Electronic Mail

Electronic mail outside of NorthCountry Online Banking should be addressed to service@northcountry.org. Please note, however, that messages sent via your personal e-mail may be intercepted by third parties and are not protected by NorthCountry Federal Credit Union. Personal e-mail should not be used to communicate sensitive account information. If you need to send information that needs to be kept secure, please Contact Us and we will walk you through the process of sending us a secure, encoded email. You can also use our online chat feature at northcountry.org, which allows secure communication with us.

NorthCountry Federal Credit Union is responsible for making reasonable efforts to fulfill only those account requests actually received via NorthCountry Online Banking. We may not be held accountable for any loss resulting from the delay or failure to transmit a message due to user error, malfunction of equipment, natural impediments, and/or inaccurate or incomplete information.

Third Party Disclosures

The Credit Union will disclose information to third parties about your account or the transfers you make:

  • Where it is necessary for completing transfers
  • To verify the existence and condition of your account for a third party, such as a credit bureau or merchant
  • To comply with government agency or court orders
  • If you give us written permission

Security

Notify us immediately if you believe your user name and password has been stolen, used without your consent, or compromised in any way. We may suspend your access until a new user name and password has been established.

Statements and Notices

You will receive a statement for each month in which reportable activity occurred. Reportable activity includes ACH, check, and debit transactions. A quarterly statement will be issued regardless of activity. All transactions generated through NorthCountry Online Banking will appear on your monthly or quarterly statement. No other receipts will be sent.

You also opt to have your statements and notices posted for you online within the security of Internet Banking. This requires that you provide us with a valid email address. When a statement or notice is posted for you, we will email an alert to the address on record within Internet Banking. E-statements are in PDF or HTML format, and can be downloaded at no charge. If you choose to also receive a printed/mailed version of your monthly statement in addition to e-statements, a $5.00 charge per statement will apply. To register for e-statements and e-notices, sign in to NorthCountry Online Banking, select "Additional Services" from the navigation bar, and click on "e-Documents".

Liability

If the Credit Union does not complete a transaction for which you receive a confirmation number or it is not completed for the correct amount, it will be liable for your reasonable losses or damages except when:

  • If, through no fault of the Credit Union, you do not have sufficient funds in your account
  • If the transfer would exceed the credit limit on your line of credit
  • If circumstances beyond the Credit Union's control (such as fire or flood) prevent the transfer despite reasonable precautions that it has taken

Termination of Service

Termination by the Credit Union

At any time and at our discretion, without notice or liability, we may suspend or terminate your access to NorthCountry Online Banking in whole or part without prior notice if we believe you have:

  • Compromised the confidential integrity of the service
  • Caused the credit union a loss
  • Abused the service (including, but not limited to, remaining connected to the system for inordinate periods of time)

Termination by the Member

You may terminate this agreement at any time by notifying the Credit Union in writing or via e-mail to service@northcountry.org. You must allow five business days for processing your cancellation notice. You will be responsible for all payments and/or transfers you have requested prior to termination and for all other charges, fees and taxes incurred. You must cancel all outstanding payment and/or transfer orders within the five-day notification period. We will not be liable for payments and/or transfers not cancelled or made due to your actions related to service termination.

Fees

Online Banking fees are described in your Truth-in-Savings Disclosure. Currently no fees are assessed for NorthCountry Online Banking's standard service. For other fees, see the Rate & Fee Schedule and Truth-in-Savings Disclosure.

Credit Union Liability

We assume no liability due to your inability to access the NorthCountry Online Banking service for any reason including, but not limited to, communication problems or interruption and equipment failure.

We accept no responsibility for omissions from any equipment failure or damage, computer viruses, or software damage that may occur as a result of your use of the NorthCountry Online Banking service.

Kasasa®

Cash

If qualifications are met during a monthly qualification cycle:

1. Kasasa® Cash account balances up to $10,000 will earn 2.01% APY, and any portion of a balance over $10,000 will earn a dividend rate of 0.25%, with a final APY ranging from 2.01% to 0.41% APY depending on the account balance. If qualifications are not met, the total balance will earn 0.05% APY. Dividends will be credited on or before the first business day of the next monthly statement cycle. APY=Annual Percentage Yield. APYs were accurate as of 06/17/2013 and are subject to change.

2. Domestic ATM fees under $5 each incurred during the monthly qualification cycle will be automatically reimbursed and credited on or before the first business day of the next monthly statement cycle. Receipts must be presented for reimbursement of single ATM fees of $5.00 or more. The maximum reimbursement is $20 per monthly qualification cycle.

Debit card purchases must post and settle to the account during the monthly qualification cycle – this may take one or more business days from the date the transaction occurred. ATM-processed transactions do not qualify as debit card transactions. The “Monthly Qualification Cycle” begins on the first day of the calendar month and ends on the last day of the calendar month. One Kasasa® Cash account per SSN.

Cash Back (with optional Saver)

If qualifications are met during a monthly qualification cycle:

1. You will earn 2% cash back (up to $6 total) on debit card purchases that post and settle to your Kasasa® Cash Back account during the monthly qualification cycle. This may take one or more business days from the transaction date.

2. Domestic ATM fees under $5 each incurred during the monthly qualification cycle will be automatically reimbursed and credited on or before the first business day of the next monthly statement cycle. Receipts must be presented for reimbursement of single ATM fees of $5.00 or more. The maximum reimbursement is $20 per monthly qualification cycle.

3. If you choose the Kasasa® Saver option, your Kasasa® Cash Back rewards (cash back and ATM refunds) will be credited to your Kasasa® Saver account on or before the first business day of the next monthly statement cycle. Kasasa® Saver account balances earn 0.15% APY=Annual Percentage Yield. This APY was accurate as of 06/17/2013 and is subject to change.

Debit card purchases must post and settle to the account during the monthly qualification cycle – this may take one or more business days from the date the transaction occurred. ATM-processed transactions do not qualify as debit card transactions. The “Monthly Qualification Cycle” begins on the first day of the calendar month and ends on the last day of the calendar month. One Kasasa® Cash Back account per SSN.

Tunes

We will refund up to $30 of iTunes® and/or Amazon.com® purchases that post and settle to your account within 30 days of opening your account. Going forward, if qualifications are met during a monthly qualification cycle:

1. You will receive up to $5 in iTunes® and/or Amazon.com® refunds per cycle. To qualify, transactions must be made with a NorthCountry FCU debit card for your Tunes account, and must post and settle to the account during the monthly qualification cycle – this may take one or more business days from the transaction date. Refunds will be credited to your account on or before the first business day of the month following the month in which the qualified purchases were made. iTunes is a registered trademark of Apple Inc. and Amazon.com is a registered trademark of Amazon Inc. Apple Inc. and Amazon Inc. are not participants in or sponsors of this program.

2. Domestic ATM fees under $5 each incurred during the monthly qualification cycle will be automatically reimbursed and credited on or before the first business day of the next monthly statement cycle. Receipts must be presented for reimbursement of single ATM fees of $5.00 or more. The maximum reimbursement is $20 per monthly qualification cycle.

Debit card purchases must post and settle to the account during the monthly qualification cycle. This may take one or more business days from the date the transaction occurred. ATM-processed transactions do not qualify as debit card transactions. The “Monthly Qualification Cycle” begins on the first day of the calendar month and ends on the last day of the calendar month. One Kasasa® Tunes account per SSN.

Rate & Fee Schedule

Truth-in-Savings Share Certificate of Deposit

Truth-in-Savings

Visa Application & Solicitation

Visa Agreement

PopMoney

Remote Deposit Capture (Snap-eDeposit®) Agreement

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