PO Box 771069 Our Business Wichita, KS 67277-1069 Toll-Free 833-759-1941 Fax 316-779-8966 Electronic Funds Transfer Terms www.skywardcu.com “Our Electronic Funds Transfer Terms” explains your and our rights • Obtain previous account activity of checking and savings ac- and responsibilities concerning electronic fund transfer (EFT) debits counts with us. from and credits to the accounts you have with us. EFTs are elec- Transactions involving the accounts you have with us are ad- tronically initiated transfers of money involving an account with us dressed by the BSA, whereas transactions involving a loan are ad- and multiple access options, including Online Banking, direct depos- dressed by the applicable loan agreement(s). its, automated teller machines (ATMs), Visa Debit Card (Card), and f. Bill Pay Bank by Phone services. You may use the Bill Pay service (accessed through Online Bank- 1. EFT Services ing or Skyward Mobile Banking) to make payments to third parties. a. Automated Teller Machines Use of the Bill Pay service requires enrollment in Online Banking You may use your Card and personal identification number (PIN) at and agreement to the Bill Pay service terms and conditions. You Automated Teller Machines (ATMs) of the Credit Union, Plus, Co- may use the Bill Pay service to: op, Star, Cirrus and Visa, and such other machines or facilities as we • Make payments from any checking or savings account to an- may designate. At the present time, you may use your Card to: other financial institution. • Withdraw cash from the checking or savings accounts with us. • Pay bills from any checking or savings account with us. • Transfer funds between the checking and savings accounts. Transfer funds to other people using the account to account (A2A) • Check the balance on the checking or savings accounts. or person to person (P2P) transfer feature. b. Direct Deposit Please note that if payment to a payee is made by check, the check On the instruction of (i) your employer, (ii) the Treasury Depart- may be processed and debited from your account before the ment, or (iii) other financial institutions, we will accept direct depos- scheduled payment date. its by EFT of your paycheck or of federal recurring payments, such g. Skyward Mobile Banking as Social Security. Skyward Mobile Banking is a personal financial information man- c. Preauthorized Debits agement service that allows you to access account information, You may make direct withdrawals by EFT from the checking or reg- make payments to merchants who have previously consented to ular savings account you have with us to a particular person or accept payments through Online Banking and make such other company, at least periodically, which you have arranged with that transactions as described in the Online Banking Service Agree- person or company, provided you have enough funds in the ac- ment using compatible and supported mobile phones and wireless count with us to cover the payment. devices (“Wireless Device”). You agree and understand that Sky- d. Bank by Phone ward Mobile Banking may not be accessible or may have limited If we approve your application for telephone access to the accounts utility over some mobile telephone networks, such as while roam- you have with us under Bank by Phone, you may use a telephone ing. The services that you may access through Skyward Mobile to access the account with us and conduct EFTs by calling toll-free Banking are the same account and service transactions available at 833-755-4347. You must use your PIN along with your account through Online Banking. When you register for Skyward Mobile number to access the accounts. At the present time you may use Banking, the designated accounts and bill payment payees linked Bank by Phone to: to the account through Online Banking will be accessible through Skyward Mobile Banking. • Transfer funds between the checking and savings accounts. For all mobile check deposits, you must endorse the original paper • Transfer funds from the line of credit account to the checking check with your name and write: “FOR SKYWARD CREDIT UNION account. MOBILE DEPOSIT ONLY” in the endorsement area. If you fail to • Make payments from the checking or savings accounts to loan provide this endorsement, we may refuse the deposit and return it to accounts unless your loan is past due. You may not transfer to a you. You agree to indemnify the Credit Union from any liability or loss past due loan account using Bank by Phone. to the Credit Union arising from the payment of the original paper • Request check withdrawals from the checking and savings ac- check without such required endorsement. counts. h. Text Banking • Obtain balance information on the checking and savings ac- You may use our text banking service to obtain your current ac- counts with us. count balance and review your recent account history. • Obtain transaction information about the last deposits/withdraw- i. Visa Debit Card. als to/from the checking accounts. You may use your Visa Debit Card to purchase goods and services e. Online Banking any place Visa is honored by participating merchants and mer- If we approve your application for Online Banking, you may use a chants accepting the Card and PIN at point of sale (POS) terminals. personal computer to access the accounts. For this service, you will Funds to cover your Card purchases will be deducted from the need a personal computer with internet access. The address for checking account. If the balance in the account is not sufficient to Online Banking is www.skywardcu.com. You may select a PIN. You pay the transaction amount, we may treat the transaction as an must use your PIN along with your account number to access the overdraft request pursuant to any overdraft protection plan, or we accounts. You are responsible for the installation, maintenance, and may terminate all services under the BSA. operation of your computer and software. We will not be responsible for any errors or failures involving any telephone service, internet Some merchants may permit you to initiate debit and bill payment service provider, your software installation or your computer. At the transactions with your card using either the Visa network or another present time, you may use Online Banking to: network shown on your card. We will honor your debit transactions processed by any of these networks. • Transfer funds between the checking and savings accounts. Depending on our authorization protocols and network availability, • Transfer funds from line of credit accounts to checking and sav- transactions processed over other networks may or may not re- ings accounts. quire you to use your PIN to validate a transaction. Generally, you • Make payments from the checking or savings accounts to loan enter your card number or swipe your card and provide or enter a accounts. PIN. You may instead be asked to sign a receipt or payment au- • Obtain balance information related to the checking or savings thorization. Provisions applicable only to Visa transactions (such accounts with us. © 2021 All Goals Solutions & Farleigh Wada Witt. All rights reserved. Reproduction prohibited without written permission from All Goals Solutions. OEFTT • 02-18-21 • 1 Skyward Credit Union Our Electronic Funds Transfer Terms as Visa’s zero liability protections) will not apply to non-Visa debit permitted another person to use their own biometrics to authorize transactions and the liability rules for other EFTs in the section ti- activity on your wireless device, their biometrics will also gain ac- tled “Member Liability” will apply. cess to Skyward Mobile Banking if you have authorized biometric i. Electronic Check Transaction login. We will not be liable to you for any losses caused by your You may authorize a merchant or other payee to make a one-time failure to properly use Skyward Mobile Banking, the Software or electronic payment from the checking account using information your Wireless Device. You may experience technical or other diffi- from your check to pay for purchases, pay bills or pay other obliga- culties related to Skyward Mobile Banking that may result in loss of tions (“Electronic Check Transactions”). You agree that your author- data, personalization settings or other Skyward Mobile Banking in- ization for an electronic check transaction occurs when you initiate terruptions. We assume no responsibility for the timeliness, dele- such a transaction after receiving any required notice regarding the tion, misdelivery or failure to store any user data, communications merchant’s right to process the transaction or payment, including any or personalization settings in connection with your use of Skyward written sign provided by the merchant at the time of your transaction. Mobile Banking. We assume no responsibility for the operation, se- You remain responsible for notifying us of any unauthorized elec- curity, or functionality of any Wireless Device or mobile network that tronic check transaction shown on your statement. you utilize to access Skyward Mobile Banking. Financial information shown on Skyward Mobile Banking reflects the most recent account 2. Service Limitations information available through Skyward Mobile Banking, and may a. Automated Teller Machines not be current. You agree that we are not liable for delays in updat- 1) Withdrawals. Cash withdrawals from ATMs can be made as ing account information accessed through Skyward Mobile Bank- often as you like (if there are sufficient funds in the account) up to ing. We are not responsible for any actions you take based on in- a limit of $625 per business day. A day ends at midnight. formation accessed through the Skyward Mobile Banking app that b. Bank by Phone is not current. If you need the most current account information, you The accounts with us can be accessed under Bank by Phone via a agree to contact us directly.