Texas Bay Area Credit Union

Access Agreement

Please read the Access Agreement below.
When finished, click on the 'Agree' button at the bottom to sign up forSTAR Online.
Texas Bay Area Credit Union

Texas Bay Area Credit Union

STAR Online

Access Agreement



I. Introduction
 

II. Accessing Your Texas Bay Area Credit Union Accounts through STAR Online

A. Requirements

B. Electronic Mail (E-mail)

C. Fees

D. New Services

E. Benefits of Using STAR Online
 

III.   Terms and Conditions

A. Your Online Password

B. Payment Account

C. Our Liability

D. Overdrafts: Order of Payments, Transfers, Other Withdrawals

E. Hours of Accessibility

F. Additional Terms and Conditions

IV. STAR Online Payment Services

A. Using the Service

B. Bill Pay Fees

V. General Terms

A. Changes to Charges, Fees or Other Transactions

B. Disclosure of Account Information

C. Questions or Error Correction on STAR Online Transactions

D. Other General Terms

VI. Protecting Your Account

A. Preventing Misuse of Your Account

B. Unauthorized Transactions in Your Texas Bay Area Credit Union Accounts
 

VII. Other Information

A. Dynamic Alerts

B. Email Validation



I. Introduction

This Online Access Agreement ("Access Agreement") for accessing your Texas Bay Area Credit Union accounts through STAR Online explains the terms and conditions governing the Online banking services and bill pay offered through STAR Online. By using the STAR Online services, you agree to the terms and conditions of this Access Agreement. This Online Access Agreement will be governed by and interpreted in accordance with Federal law and regulation, and to the extent there is no applicable Federal law or regulation, by the laws of the State of California. The terms "we," "us," "our," "Texas Bay Area Credit Union," and "Bank" refer to Texas Bay Area Credit Union. "You" refers to each signer on an account. The term "business days" means Monday through Friday, excluding Saturday, Sunday and Federal holidays.

STAR Online can be used to access Texas Bay Area Credit Union accounts. Each of your accounts at Texas Bay Area Credit Union is also governed by the applicable account disclosure statement ("Deposit Agreement and Disclosure").



II. Accessing Your Texas Bay Area Credit Union Accounts through STAR Online

A. Requirements

To access your accounts through STAR Online, you must have a Texas Bay Area Credit Union account and an Online password.

A business must be operating under a tax payer identification number which must be the owner's Social Security Number to have access to these accounts.

B. Electronic Mail (E-mail)

Sending electronic mail (E-mail) through STAR Online is a way to communicate with Texas Bay Area Credit Union. E-mail is provided for you to ask questions about your account(s) and provide general feedback. E-mail is accessible after you sign on with your password to a session of STAR Online. To ensure the security of your account information, we recommend that you use E-mail when asking specific questions about your account(s).

You cannot use E-mail to initiate transactions on your account(s). For banking transactions, please use the appropriate functions within STAR Online or call 713-852-6700.

C. Fees

There are no monthly or transaction fees for accessing your account(s) through STAR Online. See Section IV for a description of Bill Pay fees.

Please note that fees may be assessed by your Internet Service Provider (ISP).

D. New Services

Texas Bay Area Credit Union may, from time to time, introduce new Online services. We will notify you of any new services. By using these services when they become available, you agree to be bound by the rules communicated to you concerning these services.

E. Benefits of Using STAR Online

With STAR Online, you can manage your personal or small business accounts from your home or office on your personal computer. You can use STAR Online to

View account balances and review transaction history.

Transfer money between accounts. (As noted in the applicable account Deposit Agreement and Disclosure Statement).

Pay bills to any merchant, institution or individual.

Communicate directly with Texas Bay Area Credit Union through E-mail.

III. Terms and Conditions

The first time you access your Texas Bay Area Credit Union accounts through STAR Online you agree to be bound by all the terms and conditions of this Agreement and acknowledges your receipt and understanding of this disclosure.

A. Your Online Password

You will be given an Online Password that will give you access to your Texas Bay Area Credit Union accounts for STAR Online access. This password can be changed within STAR Online using the options button. We recommend that you change your password regularly. Texas Bay Area Credit Union will act on instructions received under your password. For security purposes, it is recommended that you memorize this Online password and do not write it down. You are responsible for keeping your password, account numbers and other account data confidential. You are also responsible for reporting the loss, theft or unauthorized use of the password as soon as possible. You agree that the use of the password by any other person shall be deemed an authorized use for which you shall be liable.

B. Payment Account

Although there are no fees for accessing your accounts through STAR Online, you may be asked to designate a payment account for selected services such as Bill Pay. You agree to pay promptly all fees and charges for services provided under this Agreement, and authorize us to charge the account that you have designated as the payment account or any other account for the fees.

If you close the payment account, you must notify Texas Bay Area Credit Union and identify a new payment account for the selected services.

Your Online access may be canceled at any time without prior notice due to insufficient funds in one of your accounts. After cancellation, STAR Online services may be reinstated, once sufficient funds are available in your accounts to cover any fees and other pending transfers or debits. In order to reinstate your services, you must call Texas Bay Area Credit Union Customer Service at 713-852-6700.

If you 1) close the payment account and do not notify Texas Bay Area Credit Union of the new payment account, 2) close all of your Texas Bay Area Credit Union accounts, 3) break any agreement you have with Texas Bay Area Credit Union, or 4) do not access your Texas Bay Area Credit Union accounts through STAR Online for any (90) ninety day period, Texas Bay Area Credit Union reserves the right to disconnect your service without notice. Please note that your bill payment information will be lost if you are disconnected.

You agree to be responsible for any telephone charges incurred by accessing your Texas Bay Area Credit Union accounts through STAR Online.

If you wish to cancel any of the STAR Online services offered through STAR Online, please contact Texas Bay Area Credit Union Customer Service at 713-852-6700 or send us cancellation instructions in writing to Texas Bay Area Credit Union, PO Box 1538, Pasadena, TX 77501. Termination will be effective on the first business day following our receipt of your written notice. However, termination of this Agreement or the services will not affect the rights and obligations of the parties to this Agreement for transactions initiated prior to termination. Notwithstanding your termination of this Agreement or the services, you will remain responsible for any transactions initiated by any person to whom you have furnished your password. In addition, you must cancel all outstanding bill payment orders before you notify us that you are terminating this Agreement or the Services. We will not be liable for payments which you fail to cancel, or which were made because you failed to notify us promptly that you were terminating the services.

C. Our Liability

Except as specifically provided in this Agreement or where the law or a specific agreement with another party requires a different standard, you agree that neither we nor the service providers for STAR Online shall be responsible for any loss, property damage or bodily injury, whether caused by the equipment, software, Texas Bay Area Credit Union, OR by Internet browser providers such as Netscape (Netscape Navigator browser) and Microsoft (Microsoft Explorer browser), OR by Internet access providers OR by STAR Online service providers OR by an agent or subcontractor of any of the foregoing. Nor shall we or the service providers for STAR Online be responsible for any direct, indirect, special or consequential, economic or other damages arising in any way out of the installation, use or maintenance of the equipment, software, the STAR Online Services, or Internet browser or access software.

You agree to be liable to us for any liability, loss or expense which we may incur as a result of any dispute involving your accounts or the Star Online services. You authorize us to deduct any such liability, loss or expense from your payment account without prior notice to you.

D. Overdrafts: Order of Payments, Transfers, Other Withdrawals

If your account has insufficient funds to perform all electronic funds transfers (ATM withdrawals, pre-authorized transactions, STAR Online transfers and bill payments, etc.) that you have requested for a given business day, then:

1. Certain electronic funds transfers involving currency disbursement, like ATM withdrawals, will have priority, and

2. The electronic funds transfers initiated through STAR Onlinemay result in an overdraft of your account and may, at Texas Bay Area Credit Union’s discretion, be canceled.

In addition, you will be charged the same overdraft charges that apply to your account.

E. Hours of Accessibility

You can access your Texas Bay Area Credit Union accounts through STAR Online seven days a week, 24 hours a day. However, at certain times, some or all of STAR Online may not be available due to system maintenance or problems beyond the control of Texas Bay Area Credit Union. You will be notified Online when this occurs.

A transfer initiated through STAR Online before 5:00 PM on a business day is posted to your account the same day. All transfers completed after 5:00 PM on a business day or on a Saturday, Sunday or banking holiday, will be posted on the next business day.

Our business days are Monday through Friday. Saturday, Sunday and Federal holidays are not included as a business day.

F. Additional Terms and Conditions

Obtaining Account Balance and Transaction History - You can obtain balance and transaction history on all eligible accounts. Current balance and activity information is available as of the close of the previous business day.

Transferring Funds - The number of transfers from a savings account is limited as described in the applicable Deposit Agreement and Disclosure. If a hold has been placed on deposits made to an account from which you wish to transfer funds, you cannot transfer the portion of the funds held until the hold expires.


IV. Bill Pay Service

A. Using the Service

The STAR Online Payment Service allows you to schedule bill payments through STAR Online. You can schedule, at your option, for the payment of your current, future and recurring bills from any of your Texas Bay Area Credit Union checking accounts. There is no limit to the number of payments that may be authorized. You may pay any merchant or individual through the use of STAR Online. We are unable to process any payment of taxes or court-directed payments through STAR Online Payment Services.

By furnishing us with the names of payees/merchants, you authorize us to follow the payment instructions to these payee/merchants that you provide us through STAR Online. When we receive a payment instruction (for the current or a future date), we will remit funds to the payee on your behalf from the funds in your selected checking account. When STAR Onlinereceives a payment instruction, you authorize it to charge your checking account and remit funds on your behalf so that the funds arrive as close to the business day designated by you as reasonably possible. While it is anticipated that most transactions will be completed on the exact day designated, it is understood that due to circumstances beyond the control of STAR Online, particularly delays in handling and posting payments slow-responding companies or financial institutions, some transactions may take a day or even a few days longer.

For this reason, it is recommended that all payments transfers be scheduled to at least (7) seven business days before the actual due date, not the late date. If you properly follow the procedures described herein, and STAR Online fails to deliver a payment on the scheduled payment date, STAR Online will bear the responsibility for late charges ($50.00 maximum). In any other event, including, but not limited to, choosing a payment date less than (7) seven days prior to the actual due date, the risk of incurring and the responsibility for paying any and all charges or penalties shall be home by you.

STAR Online will use its best efforts to process all your payments properly. However, STAR Online shall incur no liability if it is unable to complete any payments initiated by you through STAR Online payment services because of the existence of any one or more of the following circumstances:

1. Your account does not contain sufficient funds to complete the transaction or the transaction would exceed the credit limit of your overdraft protection account.

2. The Texas Bay Area Credit Union processing center is not working properly and you know or have been advised by the service about the malfunction before you execute the transaction.

3. You have not provided Texas Bay Area Credit Union with the correct names or account information for those persons or entities to whomever you wish to direct payment.

4. Circumstances beyond the control of Texas Bay Area Credit Union such as, but not limited to, fire, flood, or interference from an outside force that would prevent the proper execution of the transaction, given that Texas Bay Area Credit Union has taken reasonable precautions to avoid those circumstances.

You have the right to stop or change any scheduled payment. You must cancel the payment by no later than 3 PM (Pacific Time), on the Payment Date, by using the DELETE function on the STAR Online "Pending Payment" screen.

Texas Bay Area Credit Union reserves the right to terminate your use of STAR Online bill payment service in whole or part, at any time without prior notice.

If, for any reason, you should ever wish to cancel STAR Online bill payment services, we strongly suggest that you cancel all future bill payments at the same time that you cancel your service, either by deleting those payments yourself using STAR Online or calling Texas Bay Area Credit Union’s Customer Service 713-852-6700. This will ensure that future payments and transfers made by you will not be duplicated. We will automatically delete all outstanding payment orders (all individual payments and all recurring payments) once we have been notified that your service has been terminated. We will continue to maintain your accounts until you notify us otherwise.

Please refer to the Electronic Funds Transfers Disclosures that we gave you at the opening of your account for a complete description of your legal rights in connection with electronic funds transfers.

B. Bill Pay Fees

The monthly re-accruing fee for STAR Online payment services is free. However, there may be additional transaction fees such as, but not limited to, NSF fees, research fees, or other fees charged as part of usage of bill payment.

Additionally, you agree to pay any special charges in effect as announced by Texas Bay Area Credit Union from time to time. These charges are in addition to the fees and service charges specified in your applicable checking, savings, overdraft protection account agreements (for example, uncollected or overdraft charges on your checking account).

If the payment account has insufficient funds to cover fees, Texas Bay Area Credit Union will deduct the fee from any other checking account linked to STAR Online (in any order we may choose). If the fee cannot be paid, we may cancel your Bill Pay service. After cancellation, your Bill Pay service may be reinstated by contacting Texas Bay Area Credit Union Customer Service once sufficient funds are available in your payment account to cover the bill payment fees and any other pending transfers or debit

V. General Terms

A. Changes to Charges, Fees or Other Terms

We reserve the right to change the charges, fees or other terms described in this Agreement. However, when changes are made to any fees or charges, we will notify you Online, or send a notice to you at the address shown on our records, or send you an electronic mail message (E-mail). The notice will be posted or sent at least thirty (30) days in advance of the effective date of any additional fees for Online transactions, or of any stricter limits on the type, amount or frequency of transactions or any increase in your responsibility for unauthorized transactions, unless an immediate change is necessary to maintain the security of the system. If such a change is made, and it can be disclosed without jeopardizing the security of the system, we will provide you with electronic or written notice within thirty (30) days after the change. As always, you may choose to accept or decline changes by continuing or discontinuing the accounts or services to which these changes relate. We also reserve the option, in our business judgment, to waive, reduce or reverse charges or fees in individual situations. Changes to fees applicable to specific accounts are governed by the applicable Deposit Agreement and Disclosure.

B. Disclosure of Account Information

You understand that in addition to information furnished pursuant to legal process, some information about your accounts may automatically be disclosed to others. For example, the tax laws require disclosure to the government of the amount of the interest you earn, and some transactions, such as certain large currency and foreign transactions, must be reported to the government. Texas Bay Area Credit Union may also provide information about your account(s) to persons or companies Texas Bay Area Credit Union believes would use the information for reasonable purposes, such as when a prospective creditor seeks to verify information you may have given in a credit application or a merchant calls to verify a check you have written. In addition, Texas Bay Area Credit Union routinely informs a credit bureau when accounts are closed by Texas Bay Area Credit Union because they were not handled properly. Texas Bay Area Credit Union may also seek information about you from others, such as a credit bureau, in connection with the opening or maintaining of your account. You authorize these transfers of information.

C. Questions or Error Correction on STAR Online Transactions

In case of questions or errors about STAR Online funds transfers through STAR Online involving your account, here is what you should do:

·          Contact Texas Bay Area Credit Union by electronic mail (E-mail)

·          Telephone Texas Bay Area Credit Union at 713-852-6700

·          Write Texas Bay Area Credit Union at 12611 Fuqua Street, Houston, TX 77034, as soon as you can if you think your statement or transaction record is wrong, or if you need more information about a transaction listed on the statement or transaction record

·          We must hear from you no later than sixty (60) days after we have sent the first paper statement on which the problem or error appeared. If you notify us verbally, we may require that you send us your complaint or question in writing within ten (IO) business days.

·          Tell us your name and account number

·          Describe the error or the transaction you are unsure about, and explain why you believe it is in error or why you need more information.

·          Tell us the dollar amount of the suspected error.

·          For a bill payment, tell us the checking account number used to pay the bill, payee name, date the payment was sent, payment amount, reference number, and payee account number for the payment in question.

Here's what we will do:

We will tell you the results of our investigation within ten (10) business days, or twenty (20) business days in the case of point of sale purchases, 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, or ninety (90) days in the case of point of sale or international transactions, to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days, or twenty (20) business days in the case of point of sale or international transactions, 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 will not credit your account. If we determine that there was no error, we will send you a written explanation within three (3) business days after we finish our investigation and debit the amount of the error that we previously credited. You may request copies of the documents that we used in our investigation.

If we do not complete a transfer to or from your Texas Bay Area Credit Union 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:

  • If, through no fault of ours, you do not have enough money in your account to make a transfer.

  • If a legal order directs us to prohibit withdrawals from the account.

  • If your account is closed or if it has been frozen.

  • If the transfer would cause your balance to go over the credit limit for any credit arrangement set up to cover overdrafts.

  • If you, or anyone you allow, commits any fraud or violates any law or regulation.

  • If any electronic terminal, telecommunication device or any part of the electronic fund transfer system is not working properly.

  • If you have not provided us with complete and correct payment information, including without limitation the name, address, account number, and payment amount for the payee on a bill payment.

  • If you do not authorize a bill payment soon enough for your payment to be made and properly credited by the payee by the time it is due.

  • If we make a timely bill payment but the payee nevertheless does not credit your payment promptly after receipt.

  • If you have not properly followed the instructions for using STAR Online.

  • If circumstances beyond our control (such as fire, flood or improper transmission or handling of payments by a third party) prevent the transfer, despite reasonable precautions taken by us.

  • If there are other exceptions that we may establish from time to time.

D. Other General Terms

Other Agreements - In addition to this Agreement you agree to be bound by and will comply with the requirements of the applicable Deposit Agreement and Disclosure, Texas Bay Area Credit Union's rules and regulations, the rules and regulations of any funds transfer system to which Texas Bay Area Credit Union belongs, and applicable State and Federal laws and regulations. We agree to be bound by them also.

Texas Bay Area Credit Union Reserves the Right to terminate this Agreement - Texas Bay Area Credit Union reserves the right to terminate this Agreement and your access to STAR Online, in whole or in part, at any time without prior notice.

VI. Protecting Your Account

A. Preventing Misuse of Your Account

Your role is extremely important in the prevention of any wrongful use of your account. You must promptly examine your statement upon receipt. If you find that your records and ours disagree, you must immediately call Texas Bay Area Credit Union Customer Service at 713-852-6700.

Protecting Personal Information - In addition to protecting your account information, you should also take precautions to protect your personal identification information, such as your driver's license, Social Security Number, etc. This information by itself or together with information on your account may allow unauthorized access to your account(s). It is your responsibility to protect personal information with the same level of care that you protect your account information.

Taking Care of Your Online Password - The password that is used to gain access to STAR Online should also be kept confidential. For your protection we recommend that you change your Online password regularly. It is recommended that you memorize this Online password and do not write it down.

You are responsible for keeping your password, account numbers and other account data confidential. If you believe that your Online password may have been lost or stolen, or that someone has transferred or may transfer money from your account without your permission, notify Texas Bay Area Credit Union Customer Service at once at 713-852-6700.

B. Unauthorized Transactions in Your Texas Bay Area Credit Union Accounts

Notify us immediately if you believe another person has improperly obtained your Online password. Also notify us if someone has transferred or may transfer money from your account without your permission, or if you suspect any fraudulent activity on your account. Only reveal your account number to a legitimate entity for a purpose you authorize (such as your insurance company for automatic payments). To notify us, call Texas Bay Area Credit Union Customer Service at 713-852-6700, or write Texas Bay Area Credit Union, 12611 Fuqua Street, Houston, TX 77034.

If your Online password has been compromised and you tell us within two (2) business days after you learn of the loss or theft, you can lose no more than $50 if someone used your Online password without your permission to access a Texas Bay Area Credit Union deposit account. If you do NOT tell us within two (2) business days after you learn of the loss or theft, and we could have stopped someone from taking money without your permission had you told us, you could lose as much as $500.

Also, if your statement shows withdrawals, transfers or purchases that you did not make or authorize, please notify us immediately. If you do not notify us within sixty (60) days after the paper statement was mailed to you, and we could have stopped someone from taking money if you had told us in time, you may not get back any money lost after the sixty (60) days. If extenuating circumstances, such as a long trip or hospital stay, kept you from telling us, the time periods in this section will be extended.

VII. Other Information

A. Dynamic Alerts

Texas Bay Area Credit Union offers a service named Dynamic Alerts that allow members to set financial and personal alerts related to account activity. These alerts are established under the option screen within Star Online. Important information regarding Dynamic Alerts:

  1. A valid email address is required for these alerts,

  2. Personal alerts are processed every fifteen (15) minutes,

  3. Financial alerts are processed only when a) a daily refresh of data is processed and/or b) when a member logs into their account, thus activating a refresh of data,

  4. There is the possibility that financial alerts may be delayed 24 to 72 hours before being sent to the designated email address,

  5. Financial alerts are NOT processed in real-time, and

  6. A member may cancel any Dynamic Alert in the same manner by which they were established.

Texas Bay Area Credit Union and affiliated business partners are not responsible for any delays in any Dynamic Alert notification and/or member error when establishing Dynamic Alerts.

B. Email Validation

Texas Bay Area Credit Union may from time to time request, through Star Online, that a member update his or her email address. This validation process occurs after the member has successfully entered their username and password to access Star Online. The responsibility to ensure email address is current is the members. Failure to maintain a valid email address may result in inability of the member to use certain features of Star Online that require valid email address. Texas Bay Area Credit Union is not responsible for any missed communication or feature of Star Online because of a non-valid email address.


­­­­­­­­PLEASE NOTE

If you are using the “Enroll Online” feature to self-enroll access to home banking, please enter your FULL account number when asked and NOT your member number. The account number can be any account number (savings, checking, loan, etc.) which you are the primary owner. You will be prompted after you click on “Continue” to select additional accounts you have a relationship with.

In addition, the “Enroll Online” feature is intended for those individuals who DO NOT have access to online banking. If you already have access to online banking, but have misplaced your login credentials, please contact Member Services at 713-852-6700 during normal business hours for assistance.

Missing or incorrect information may delay your access to your account online.

REVISED January 14, 2009