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Disclosure of Online/Mobile Retail and Business Banking Agreement

Credit Union of America Online Banking Agreement Effective as of 4/18/2016

Credit Union of America provides free access to all accounts via Online Banking on the Internet. This access will make it easy for you to bank online anytime, anywhere, provide security from any computer, wherever you are, and defend against fraud and identity theft. Use of our Online Banking product requires that you agree to the terms of the Agreement.


  • Agreement – the terms for using Online Banking contained within this document.
  • Online Banking – access to your Credit Union of America accounts via the Internet to perform inquiries and transactions.
  • Account(s) – mean any Credit Union of America account in which you are either the owner or Joint owner.
  • You, your and yours - mean the owner/joint owner using the service.
  • We, our, us, and CUA – mean Credit Union of America
  • Password – password known only to you
  • Web Browser – recommended for optimum viewing are:

For online banking you will need to have one of the internet browsers below:

  • Windows Internet Explorer - versions 11 or above
  • Microsoft Edge - all versions
  • Mozilla Firefox - version 38 or above
  • Google Chrome - version 44 or above
  • Safari - version 8 or above

For mobile banking, you will need to have one of the following operating systems:

  • Android - version 5.0 or above
  • iOS (Apple) – version 8.0 or higher
  • Windows Phone – version 8.1 or higher
  • IEMobile – version 11 or higher

You should make sure that all patches (security fixes) have been applied.
The captions of sections below are for convenience only and do not control or affect the meaning of this Agreement.

Acceptance of the Agreement

When you use any of the Online Banking services described in this Agreement or authorize others to use them, you agree to the terms and conditions of this entire agreement.

Required Equipment

In order to use the Online Banking Service, you need a computer, an internet service provider, a web browser, a member number and the appropriate security information to perform registration. You are responsible for the installation, maintenance, and operation of your computer, web browser and any software. In addition, it is required to have anti-virus software on all devices.


CUA is not responsible for any errors, failures from any malfunction of your computer/browser or software, any virus or related problems that may be associated with use of any on-line system. CUA reserves the right to deny access to any deposit or loan account or to deny transactions under certain circumstances. Unless otherwise required by law, in no event will Credit Union of America be liable to you for special, indirect or consequential damages including, without limitation, lost profits or attorney’s fees, even if we are advised in advance of the possibility of such damage.

Account Access/Limitations of Transfers

You may use Online Banking to:

  • Transfer funds between your accounts one-time or recurring times.
  • Obtain account balances.
  • Obtain history and transaction information on your accounts.
  • Obtain history and balance information on your loan accounts.
  • Advance funds from certain loan accounts.
  • Review electronic statements.
  • Pay bills to companies or individuals.
  • Correspond securely with the Credit Union.
  • Make payments on your loans.
  • Download account information into financial software.
  • Review dividend and interest information.
  • Review your credit card data including your credit card points.
  • Review your mortgage information
  • Performing transfers to external accounts outside of Credit Union of America.
  • Performing Person to Person payments to other people.
  • Deposit checks into your Credit Union of America account.
  • Perform account self-service, such as re-ordering checks, obtaining copies of checks written, updating your personal information, opening an additional share/loan or changing your online ID and password.

Bill Payments

Please see separate disclosure for Bill Payment Product

Account Alerts

We allow you to choose alert messages for your accounts. We may add new alerts from time to time, or cancel old alerts. Each alert has different options to select from. The alerts will either be sent to the email address or Cell Phone (text message) you have provided for Online Banking. Standard text messaging fees will apply from your cell phone provider.  CUA will not be held liable for any fees associated with text messages or emails assessed by your third party provider.  You are responsible for informing us when your email address changes. You agree that we will not be liable for any delays, failure to deliver, or the misdirected delivery of any alert; for any errors in the content of an alert, or for any actions taken or not taken by you or an third party in reliance of an alert.

We will do our best to provide the alerts in a timely manner with accurate information. We neither guarantee the delivery or accuracy of the contents of any alert. Your account alerts may contain some information about your accounts and anyone with access to your email will be able to view the contents of these un-encrypted alerts.

Standard Transfers

Transfers may be done one time or re-occurring on dates you select. One time transfers will occur at the time you enter them, unless performed at the times noted in the paragraph below. Re-occurring transfers generally occur at approximately 7:00 a.m. or 11:00 a.m. on the date you have selected, unless the date selected is a weekend date and they will be performed as noted in the paragraph below.

There may be a delay in transferring funds between your Credit Union of America accounts. Transfers of funds done after the times noted below, will not occur until the next business day at approximately 1:00 a.m. CT. Please be aware that incoming checks and/or ACH items may post prior to these transfers and may result in NSF conditions if the funds are not available.

  • Mon – Fri after 9 p.m. CT
  • Saturday after 9 p.m. CT
  • Sunday after 9 p.m. CT

Your ability to transfer funds between certain types of accounts is limited by federal law and your deposit agreement with CUA. You should refer to the deposit agreement for legal restrictions. Transfers made using the Online Banking service are counted against the permissible number of transfers described in the Deposit Agreement.

Scheduled transfers may be changed or cancelled if you enter the new information prior to 6:00 a.m. CT on the date the transfer is scheduled to occur. Immediate inner account transfers cannot be stopped once you confirm the transfer. You may however, transfer the funds back to the original account at the completion of the transfer.

You may not transfer more than the available funds in your account on the day the transfer takes place. If you do not have sufficient funds in your account, you are responsible for making alternate arrangements or rescheduling the transfer within Online Banking.

External Transfers

Please refer to the Account to Account Transfers agreement for details about the rules and fees for this service.

Transaction History

Transaction information is available for approximately 13 months. If you prefer to retain information longer, we recommend that you save your transaction information on a regular basis and download it to a financial software management package. You will also have access to eStatements by separately registering for this service.

You may be unable to access account information, if that account is closed by either you or by CUA. Passwords that you put on your credit union accounts, will not apply to Online Banking.

From time to time, our system may be unavailable due to processing updates, required maintenance, and circumstances beyond our control. We will make every effort to work with our vendors to re-establish connections as soon as possible and limit the unavailable time.

Security and your Password

Your online security is a top priority with CUA. For that reason, the security information below has been chosen by us to protect your accounts and information against unauthorized access.

To protect your information, we require a 128-bit encryption level to access your accounts. If you are unsure of your encryption level, please check your web browser information. If you determine that your browser does not support 128-bit encryption, you will need to download the latest version of your web browser in order to access the secure pages of the website.

We also have implemented additional security levels that require you to authenticate yourself by more than one method. This additional authentication will provide additional security protection that will prevent access to your information by others. These methods are 1) security questions/answers you supply, 2) a piece of information you choose to appear on all your Online Banking screens, 3) SMS or Email text message which require a short code entered to verify your identity, 4) your unique username and 5) your Online Banking Password. If you think your password or username may have been compromised, you must contact CUA immediately. Never give your password or username to anyone via phone, email or any unsolicited manner. CUA will never ask for your personal private information in this manner. If you suspect that you may have given your information to someone erroneously, please contact us immediately so we may help you protect your information.

Multiple attempts at logging in with a wrong password, will lock your access to your Online/Mobile Banking accounts. If this occurs, you may click the ‘forgot password’ link to reset your password and unlock your account.  You will be required to answer a series of security questions and will be required to verify your identity via a verification code which will be sent to your mobile telephone number or email address. If you have continued difficulties, you may call us and with the proper authentication, we will reset you for continued use.

For security purposes your session will automatically close after the pre-determined time you have chosen as your log off. When you give someone your Online Banking Username and password, you are authorizing that person to use your service and you are responsible for all transactions that person performs while using your service. All transactions that person performs, even transactions you did not intend or want performed will be authorized transactions. If you notify us that the person is no longer authorized, then only transactions that person performs after the time you notify us are considered unauthorized. Transactions that you or someone acting with you initiates with fraudulent intent are also authorized transactions.

Administrators (Applies to Business Online Banking only)

Online Banking for Business allows business owners to establish a separate logon for others to assist in managing business accounts. Sub-users are established in the Business Administration Widget in Online Banking and can be assigned access to view and/or perform transactions on particular accounts. The Login and Password for sub-users is completely managed by the Company Administrator or another sub-user with appropriate permissions. Company Administrators are responsible for any transactions that are performed by sub-users. In addition, Credit Union of America will not be held liable for unauthorized transactions occurring as a result of inadequate security within the user’s control.

Your Email Address

From time to time, we may send messages to your external email address. If, for any reason your external email address changes or becomes disabled, please update your personal information from within Online Banking.  To update your contact information:

Click your name in the upper right hand corner of the page>Click Settings>Contact>Click Edit on what needs to be changed.

Joint Accounts

Joint owners on accounts should utilize their own separate username and password for the Online and Mobile banking system.  Each joint owner should register individually and will only have access to accounts which they have transaction authority on.

Data Recording

When you access Online Banking to conduct transactions, the information you enter may be recorded in a secure manner. By using Online/Mobile Banking, you consent to such recording.

No Signature Required

When using Online/Mobile Banking to conduct transactions, you agree that we may debit your account to complete the transactions or honor debits you have not signed.

Disclosure of Account Information to Third Parties

We will disclose information to third parties about your account or transfers you make:

  • When it is necessary to complete or investigate or resolve a problem with a transfer or payment;
  • In order to verify the existence and conditions of your account to a third party, such as a credit bureau;
  • In order to comply with government agency or court orders, or in connection with fraud prevention or an investigation;
  • If you give us permission;
  • With our affiliates as permitted under Federal and applicable state laws; or
  • On a closed account, if we reasonably believe you have mishandled it

For more information about our privacy or security practices, go to our web site at www.cuofamerica.com.

Account Statements

We show any transactions that occur within Online/Mobile Banking on your monthly periodic statements. A description of each transaction, the date and the amount of the transaction will appear on your statement.

Termination or Discontinuation

The use of Online/Mobile Banking requires enrollment on your behalf.  To terminate your access to Online or Mobile banking contact the Credit Union at 316-265-3272.  You will continue to be liable and obligated under this agreement if any transactions or payments you have previously authorized or instructed to be completed prior to discontinuing usage.

CUA may suspend or terminate Online/Mobile Banking access at its discretion on any account. CUA may change the options or services within Online/Mobile Banking without advance notice.


In the event of a dispute regarding any transactions occurring within Online/Mobile Banking, you and CUA agree to resolve the dispute by looking to this Agreement. You agree that this Agreement is the complete and exclusive statement of the Agreement between you and Credit Union of America, which supersedes any proposal or prior agreement, oral or written, and any other communication between you and CUA relating to the subject matter of this Agreement. If there is a conflict between what one of the CUA’s employees says and the terms of this Agreement, the terms of the Agreement will supersede.

Contact us immediately if you think:

  • Your statement or transaction record is wrong
  • You need more information about a transaction listed on your statement
  • An unauthorized person has discovered your Online/Mobile Banking password
  • Someone has transferred or may transfer money from your account without your permission
  • Bill payment transactions have been made without your authorization

We must hear from you no later than 60 days after we have sent you the first statement on which the problem or error appeared. If you tell us verbally, we may require you to send us your complaint or question in writing within ten (10) credit union business days (Online Banking members may use secure messaging). When you contact us provide the following information:

  • Your name and account number
  • The date and dollar amount of the transaction in question
  • The name of the Payee if the transaction in question is a payment
  • The transaction confirmation number assigned by Online Banking, if available
  • A description of the transaction about which you are unsure

Please explain as clearly as you can why you believe there is an error or why you need more information. We will tell you the results of our investigation within 10 business days after we hear from you, and we will promptly correct any error we have made. If we need more time, however, we may take up to 45 days to investigate your complaint or question. In this case, we will provisionally credit your account within 10 bank business days for the amount you think is in error, so that you 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 your letter in 10 credit union business days, we reserve the right not to provisionally credit your account. If we conclude there was no error, we will send you a written explanation within three (3) credit union business days after we complete our investigation. You may request copies of the documents that we used in our investigation.

If you do not contact us within 60 days after the statement showing the transaction, is mailed to you, you may not get back any of the money you lost from any unauthorized transactions.

Credit Union of America
PO Box 47528 Wichita, KS 67201
316-265-3272 or 1-800-256-8049

Your Responsibilities

Review your account statements from CUA upon receipt. If you notice anything that you suspect you did not authorize, contact us within 60 days of the statement receipt on which the item appears. If you do not notify us within 60 days, you may not be reimbursed. See your Deposit account agreement for specific terms.

If you share your Online/Mobile Banking Login and password with anyone, all transactions they initiate with the information you provided to them are considered as authorized by you, even transactions you did not intend for them to make. Sign off your device when you are finished with each banking session. To ensure that cached copies of your Online/Mobile Banking web pages are cleared, always close your browser or mobile banking app after signing off.

For security purposes, we suggest that you do not allow your computer to remember your password. If you choose to register your computer for this purpose, please register only your personal, private, home owned computer, not a public one. If you utilize purchased financial management software from software vendor, you will need to seek assistance from them with problems you encounter in the downloading of information from Online/Mobile Banking.

Maintain a current email address with us. This address may be used to contact you in the event of inability to contact you in other conventional methods. We encourage you to utilize the more advanced ‘Touch ID’ feature for authenticating to mobile banking which can be configured from settings.  Failure to maintain a current email or mailing address may result in Online Banking privileges being cancelled.

Our Responsibilities

Provide you with a secure, easy to use and dependable Online/Mobile Banking service.

Provide you support and assistance with problems you encounter in your use of Online/Mobile Banking.

Provide the transactions you authorize within Online/Mobile Banking in a timely manner as disclosed in the Account Access/Limitations of Transfers and Transfers sections.

The tools and services within Online/Mobile Banking are meant as aids to assist you in managing your accounts with CUA. They are not intended to give legal, tax or financial advice.

We may terminate your participation in Online/Mobile Banking for any reason, including inactivity, or account misuse at any time. We will try to notify you in advance, but we are not obligated to do so.

We will never contact you by phone or by email and request your Online/Mobile Banking password. If you are contacted by anyone requesting this information, please contact us immediately by calling 316.265.3272 or 1.800.256.8049.

Changes to the Agreement

Changes to this agreement may be revised at any time, effective upon posting the revised agreement to the Online/Mobile Banking site. Continued use of Online Banking after posting of a revised Agreement constitutes acceptance of the revised terms and conditions of the Agreement.

General Description of Mobile Banking Service Agreement

What Does This Agreement Cover

This Agreement between you and the credit union governs the use of Mobile Banking services. These services permit CREDIT UNION OF AMERICA members (consumers, sole proprietors and other business members) to perform a number of banking functions on accounts linked to the service through the use of a mobile device or mobile smart telephone, including some credit card accounts and investment accounts with our affiliates. Unless indicated otherwise by the context, "linked credit union accounts" or "linked accounts" refers to all of your accounts with CUA or its affiliates that you have linked to Mobile Banking solution.

Accepting the Agreement

When you use any of the Mobile Banking services described in this Agreement, or authorize others to use them, you agree to the terms and conditions of the entire Agreement.

Limitations of Service

When using the Services, you may experience technical or other difficulties. We will attempt to post alerts via our online banking website or send an eAlert or text message to notify you of any planned interruptions in Services. We cannot assume responsibility for any technical or other difficulties or any resulting damages that you may incur. Some of the Services have qualification requirements, and we reserve the right to change the qualifications at any time without prior notice. We reserve the right to change, suspend or discontinue the Services, in whole or in part, or your use of the Services, in whole or in part, immediately and at any time without prior notice to you.

Hardware and Software

In order to use the Services, you must obtain and maintain, at your expense, compatible hardware and software as specified by Credit Union of America from time to time. Credit Union of America is not responsible for any third party software you may need to use the Services. Any such software is accepted by you as is, and software is subject to the terms and conditions of the software agreement you enter into directly with the third party software provider at time of download and installation. To utilize CUA’s mobile banking service you must maintain a cell phone or tablet in which the operating system has not be modified or jailbroken so as to conform with the standard operating parameters.

Relation to Other Agreements

Your use of Mobile Banking services may also be affected by the agreements between us for your linked CUA accounts or for Online Banking Services. When you link an account to Mobile Banking services, you do not change the agreements you already have with us for that account. Similarly, when you use Mobile Banking services to access a credit account, you do so under the terms and conditions we gave you in the agreement and disclosure for the credit account. You should review those agreements for any applicable fees, for limitations on the number of transactions you can make, and for other restrictions that might impact your use of an account with Mobile Banking services.

Mobile Banking Services

Mobile Banking for Consumers and Businesses

Many of the same features and functionality are available on Mobile banking as are available on Online Banking (see above). The mobile banking platform has a smaller screen size so the functions may require additional steps or screens to facilitate the same process. Snapcheck is performed using the camera embedded into the mobile phone. We cannot guarantee or be held liable if certain features are not available or functional due to limitations on a given mobile device.

Description of Mobile Banking Services


In general, if an image of an item is received and accepted before 6:00 p.m. Central Time during a business day on which we are open, then we will consider that day to be the day of your deposit. Otherwise, we will consider that the deposit was made on the next business day we are open. Funds deposited using SnapCheck will generally be made available two (2) business days from the day of deposit.

The current limit for deposits made through SnapCheck is $1000. Any funds above this limit will not be made available until two (2) business days from the day of the deposit.

New accounts will be limited during the first 90 days of account activation. During the initial 90 days members will be limited to two checks for a maximum of $200 per day.

Please refer to the SnapCheck Disclosure agreement for full details about the rules and fees for this service.

Other Terms and Conditions

Monthly Service Charge

Except as otherwise disclosed in this Agreement or in your applicable account agreement and schedule of fees, there is no monthly service charge for accessing your linked accounts with the mobile banking service.

Other Charges

In addition to the fees already described in this Agreement, you should note that, depending on how you access mobile banking, you might incur charges for:

  • Normal account fees and service charges.
  • Any Internet service provider fees.
  • Purchase of computer programs such as Personal Financial Management (PFM) software.
  • Payments or transfers made through mobile banking services from a savings or money market account may result in an excess transaction fee. See your savings or money market account for details.

Additionally, fees may be assessed for added self-service features available through mobile banking customer/member service, such as stop payment requests, SnapPay, check copy orders and account statement copy orders.

For additional information, please see the applicable Fee Schedule located at https://www.cuofamerica.com/Agreements-Disclosures/Member-Fee-Schedule.

An NSF-fee, returned item, overdraft or similar fee may also apply if you schedule payments or transfers and your available balance is not sufficient to process the transaction on the date scheduled or, in the case of a personal check, on the date when the check is presented to us for payment.

Service Hours

Mobile Banking services are usually available 365 days a year and 24 hours a day, except during system maintenance and upgrades. When this occurs, a message will be displayed online when you sign on to mobile banking. Our Call Centers are available from 9:00 a.m. to 6:00 p.m. CT Monday thru Friday and 9:00 a.m. to 1:00 p.m. CT on Saturdays excluding Credit Union holidays.

You may also write us at:

Mobile Banking Services
Credit Union of America
P.O. Box 47528
Wichita, KS 67201-7525

Business Days

For Mobile Banking services, our business days are Monday through Friday, excluding Credit Union holidays.

Participation by Payees

Occasionally a Payee may choose not to participate in Bill Pay, or may require additional information before accepting payments. We will work with these Payees to encourage them to accept an electronic or check payment from the credit union. If we are unsuccessful, or if we determine that the Payee cannot process payments in a timely manner, we may decline future payments to this Payee. In the unlikely event that this occurs, we will promptly send you a notice. Any obligations that you wish to pay through mobile banking with Bill Pay must be payable in U.S. dollars to a Payee located in the United States. We reserve the right to restrict categories of Payees to whom payments may be made using the service. You should not use the service to make:

  • Tax payments
  • Court-ordered payments
  • Payments to settle securities transactions

Changes to Agreement

We may change this agreement at any time. For example, we may add, delete or amend terms or services. We will notify you of such changes by mail or electronic message. If you initiate any transfer of funds or bill payment through your mobile banking after the effective date of a change, you indicate your agreement to the change.

Transfers from Money Market Deposit Accounts

Federal regulations and the deposit agreement impose limits on the number of certain types of withdrawals and transfers you can make each month from a savings and money market deposit account. You can make no more than a total of six (6) automatic or preauthorized transfers, telephone transfers, or mobile banking transfers or payments from a savings or money market deposit account each monthly statement cycle (each month for savings accounts with a quarterly statement cycle). If you exceed these limits on more than an occasional basis, we convert your account to another type of account and your account may no longer earn interest.

Each transfer or payment through the mobile banking services from your savings or money market deposit account is counted as one of the six limited transfers you are permitted each statement period. We recommend that you not use a savings or money market deposit account as your bill payment account because of these limits on transfers. Please review the deposit agreement for your account for more information.

Contact by Credit Union of America or Affiliated Parties

No CUA or Payee employee, nor any company affiliated with CUA mobile will contact you via email or phone requesting your mobile ID or mobile pass code. If you are contacted by anyone requesting this information, please contact us immediately.

Reporting Unauthorized Transactions

Tell us AT ONCE if you believe your login credentials has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within 2 business days after you learn of the loss or theft of your login credentials, you can lose no more than $50 if someone used your login credentials without your permission.

If you fail to inform Credit Union of America within 2 business days about your compromised login credentials you will be held liable for any losses maintained on your account.

If you do NOT tell us within 2 business days after you learn of the loss or theft of your login credentials, and we can prove we could have stopped someone from using your login credentials without your permission if you had told us, you could lose as much as $500.

Also, if your statement shows transfers that you did not make, including those made by card, code or other means, 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 can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

If you believe your login credentials has been lost or stolen, call: 316-265-3272

Or write:

Mobile Banking Services
Credit Union of America
P.O. Box 47528
Wichita, KS 67201-7528

Disclosure of Account Information

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.

Account Statements

We report your mobile banking transactions on the monthly statements for your linked accounts. A description of each transaction, including whom you paid, and the date and amount of the transaction will appear on your statement.

Limitation of Liability for Mobile Banking Transactions

Tell us at once if you believe your mobile banking pass code has been compromised or if someone has transferred or may transfer money from your account without your permission. The best way to minimize your loss is to call us immediately. The unauthorized use of your mobile banking services could cause you to lose all of your money in your accounts, plus any amount available under your overdraft protection plan.

You will have no liability for unauthorized transactions if you notify us within 60 days after the statement showing the transaction has been mailed to you (or 90 days if the transaction was from an account maintained at another financial institution). If you do not, you may not get back any of the money you lost from any unauthorized transaction that occurs after the close of the 60-day period (or 90 day period if the transaction was from an account maintained at another financial institution), if we can show that we could have stopped the transaction if you had notified us in time. If a good reason (such as a long trip or hospital stay) kept you from telling us, we may extend the time periods.

When you give someone your mobile banking ID and pass code, you are authorizing that person to use your service, and you are responsible for all transactions that person performs while using your service. All transactions that person performs, even those transactions you did not intend or want performed, are authorized transactions. If you notify us that the person is no longer authorized, then only transactions that person performs after the time you notify us are considered unauthorized.

Transactions that you or someone acting with you initiates with fraudulent intent are also authorized transactions.

For your protection, sign off after every mobile banking session.

Our Liability for Failure to Complete Transactions

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. For instance, we will not be liable:

  • If, through no fault of ours, you don't have enough available funds in your account to make the transaction or transfer;
  • If mobile banking services weren't working properly, and you knew about the malfunction when you started the transaction or transfer;
  • If circumstances beyond our control (such as fire or flood) prevented the transaction or transfer, despite reasonable precautions we've taken;
  • If there are postal delays or processing delays by the Payee.

There may be other exceptions not specifically mentioned.

In case of errors or questions about your electronic transfers contact us as soon as possible. If you think your statement or receipt is incorrect or if you need more information about a transfer listed on the statement or receipt, contact us no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

Telephone us at 800.256.8049 or 316-265-3272

Information we will need to fulfill your request:

  1. Your name and account number (if any).
  2. Describe the error or the 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.
  3. 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 10 business days.

We will determine whether an error occurred within 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 45 days to investigate your complaint or question. If we decide to do this, we will give your account provisional credit within 10 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 10 business days, we may not credit your account.

For errors involving new accounts or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error.

We will tell you the results within three 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.

General Terms & Conditions

BY ACCESSING OR USING THIS SERVICE, YOU AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS AND ACCEPT THEM IN FULL, AS THEY MAY BE MODIFIED BY CREDIT UNION OF AMERICA (for purposes of these terms and conditions the term "credit union" and “CUA” includes Credit Union of America's affiliates, as applicable) FROM TIME-TO-TIME AND POSTED ON THIS SERVICE.



Use of SERVICE. Contents are included in this SERVICE solely for the personal use of SERVICE users. You may not copy (other than a copy for personal use), modify, distribute, transmit, display, perform, reproduce, transfer, resell, or republish any of the Contents of this SERVICE without the prior written consent of credit union, which may be withheld in its sole discretion.

Copyrights and Other Intellectual Property. Except where otherwise expressly noted or as noted below, all Contents of this SERVICE, including the graphics, icons and overall appearance of the SERVICE, are the sole and exclusive property of the credit union and/or its subsidiaries or affiliates. Certain of credit union's trademarks and/or servicemarks are also listed below. The posting of the Contents of this SERVICE neither constitutes a waiver of any of the credit union's proprietary rights or any other party's proprietary rights, including but not limited to, copyrights, trademarks, service marks, patents, and other intellectual property, nor a transfer by implication, estoppels, or otherwise of any such rights or of any license to the SERVICE user or to any third party. Contents of this SERVICE are protected by United States and international copyright laws, both as individual works and as a collection and by United States and international trademark laws. You agree not to delete any copyright, trademark or similar notice from any Contents you obtain from the SERVICE. CREDIT UNION OF AMERICA is a trademark of The Credit Union of America, Wichita, Kansas.

The display of third party trademarks within this SERVICE does not grant a license of any kind to the reader. Any downloading of material contained in the site or of any site linked to the site may be a violation of federal trademark and copyright laws. Any downloading of Contents of this SERVICE or any SERVICE linked to this SERVICE may be a violation of federal and other trademark laws and federal copyright laws.

Links to Other SERVICEs. CREDIT UNION OF AMERICA may establish links between this SERVICE and one or more SERVICEs operated by third parties. CREDIT UNION OF AMERICA has no control over any such other SERVICEs or the contents therein. The existence of any such links shall not constitute an endorsement by the credit union of such SERVICEs, the contents of the SERVICEs, or the operators of the SERVICEs.

Transmissions to and from this SERVICE. Except where expressly indicated otherwise, transmissions to and from this SERVICE or directed to THE CREDIT UNION  Bank/credit union, including E-mails, are not sent in a secure form and can be intercepted by third parties and may not be immediately received by the appropriate business unit at THE CREDIT UNION  Bank/credit union. Please do not use E-mail to send us communications which contain confidential information, which we require to be in writing, or which need our immediate attention. Please call 800.256.8049 or write us instead at this address: Mobile Services, Credit Union of America, P.O. Box 47528 Wichita, KS, 67201-7528 Attention: E-Services Department. Any transmission to this SERVICE, including E-mails shall be deemed and remain the property of the credit union. CREDIT UNION OF AMERICA shall be free to use, for any purpose, any ideas, concepts, know-how, or techniques provided by a SERVICE user to the credit union through this SERVICE.

Modifications. CREDIT UNION OF AMERICA may at any time make modifications, changes, and alterations to the Contents of this SERVICE, including these Terms and Conditions, without prior notice. You are responsible for regularly reviewing these terms and conditions. Your continued use of this SERVICE following any modifications, changes, or alterations shall constitute your acceptance of such modifications, changes, or alterations.

Governing law. These Terms and Conditions shall be governed by and construed in accordance with the law of the state of Kansas without regard to the conflict of laws thereof, and to the laws of the United States.

Venue. Disputes arising from the use of this SERVICE shall be exclusively subject to the jurisdiction of any federal or state court for the State of Kansas.

Severability. To the extent any portion of these Terms and Conditions is determined to be unenforceable by a court of competent jurisdiction, such portion will be modified by the court solely to the extent necessary to cause such portion to be enforceable, and these Terms and Conditions, as so modified, shall remain in full force and effect.

Waiver. No waiver by CREDIT UNION OF AMERICA of any right under or term or provision of these Terms and Conditions will be deemed a waiver of any other right, term, or provision of these Terms and Conditions at that time or a waiver of that or any other right, term, or provision of these Terms and Conditions at any other time.

Service Contact. You may contact CREDIT UNION OF AMERICA by E-mail at SCenter@cuofamerica.com or by phone at 800-256-8049 or 316-265-3272.

Online Privacy Policy

Our privacy policy is about how we use your name and email address, and how we use technology to collect anonymous information about visits to our site.

How We Use Your Name and Email Address

We never share your name or email address with anyone, regardless of how you provided the information to Credit Union of America. That means no renting, selling or giving it away.

Email from Credit Union of America
Credit Union of America occasionally sends emails about relevant digital topics and for other general informational and marketing purposes. You can opt-out of these electronic communications at any time by following the instructions in our emails. If you fill out our contact form, you have the option to opt-in to receive occasional emails on relevant digital insights. We think you will love the emails but rest assured, we won’t subscribe you to our general marketing email lists if we don't have your consent.

We do not share your information with third-parties or other users. If you opt-in to sharing your email address for periodic updates or related information, your email will be registered with our email marketing platform. You can opt-out of these electronic communications at any time by following the instructions in our emails.

If you specifically ask for Credit Union of America to follow up or have a business relationship with Credit Union of America, we may follow-up infrequently to offer support and answer questions.

Software We Use on Our Site
We use Google Analytics and to understand how visitors interact with our site, to measure traffic and to improve our website. We also use Google Advertising features including Google AdWords, Remarketing with Google Analytics and Google Analytics Demographics and Interest Reporting. We use various services from time to time assess the effectiveness of marketing campaigns. 


Google Analytics & Use of Cookies


Credit Union of America uses Google Analytics and Google Tag Manager, services that track your activity while on our website. When you use our website, we may send one or more cookies. These are small text files with a string of alphanumeric characters sent from the website and stored on your device. Cookies are used to: store information about users’ preferences, location and other details; to protect users’ data from unauthorized access; to main certain website functionality; to serve personalized ads to users and to make advertising more effective via remarketing;  and to collect Google Analytics data and other tracking data. Cookies are used to collect some data that your web browser automatically sends to Google. This may include the web address of the page you’re visiting and your IP address. Google explains how cookies work, as well as the types of cookies used by Google.



Our site uses both first-party cookies and third-party cookies. First-party cookies are issued by the website being visited and only the website which issues the first-party cookie can read them. Third-party cookies are issued by website(s) other than the website being visited. Both types can be set with or without an expiration date. Cookies set without expiration dates are known as temporary cookies, and these expire as soon as you end the web session or close the browser window. Cookies set with an expiration date are persistent cookies. These cookies expire only on the expiration date and can remain on your computer even when you have ended the web session or closed your browser window.

Google explains how its tools like Google Analytics collect and use data from site visits.

Credit Union of America uses the Pixels to track activity on our website, potentially including pages visited and links clicked. This data is used to track the effectiveness of our online advertisements, as well as to build remarketing audiences based on actions taken on our website.


We use Hotjar in order to better understand our users’ needs and to optimize this service and experience. Hotjar is a technology service that helps us better understand our users experience (e.g. how much time they spend on which pages, which links they choose to click, what users do and don’t like, etc.) and this enables us to build and maintain our service with user feedback. Hotjar uses cookies and other technologies to collect data on our users’ behavior and their devices (in particular device's IP address (captured and stored only in anonymized form), device screen size, device type (unique device identifiers), browser information, geographic location (country only), preferred language used to display our website). Hotjar stores this information in a pseudonymized user profile. Neither Hotjar nor we will ever use this information to identify individual users or to match it with further data on an individual user. For further details, please see Hotjar’s privacy policy by clicking on this link.

You can opt-out to the creation of a user profile, Hotjar’s storing of data about your usage of our site and Hotjar’s use of tracking cookies on other websites by following this opt-out link.

Interest-based Advertising
Our site permits data collection for interest-based advertising to collect anonymous traffic statistics. The service applies proprietary processes to generate data used only by Credit Union of America. It does not collect any personally identifiable information (PII). We may create remarketing lists using Google Analytics to serve interest-based advertising to audiences who may be interested in our services. Benefits of interest-based advertising include receiving ads which are more tailored to your interests.

We sincerely respect your privacy. If you don’t want Credit Union of America to share interest-based behavioral data with third parties, the following links are available to provide you information on opting out. Some opt-out tools are cookie-based, so for them to work, you must allow third-party cookies. If you change computers, browsers or delete certain opt-out cookies, a third-party service will no longer know you have opted out. Opting out of receiving interest-based ads or of allowing Credit Union of America to collect interest-based behavioral data does not mean you won’t see any online ads. It just means your ads for Credit Union of America services won’t be based on your interests.