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Columbia-Greene Federal Credit Union

Flex Teller Internet Account Access & Bill Payment Services

TERMS AND CONDITIONS

 The following terms and conditions govern the manner in which Columbia-Greene FCU (we, us, our) will provide Flex Teller Internet Account Access and Bill Payment (Services) to you: 

Flex Teller  Internet Account Access and Bill Payment, available 24 hours a day, 7 days a week

Personal Assistance is available from 9:30 a.m. to 5:00 p.m. Monday through Friday. 

Electronic Mail can be sent to: 
MarnyT@cgfcu.org 

Mail may also be addressed to:  

Columbia-Greene FCU 

207A Greene Street   
Hudson, NY  12534

Services
You must have an active Columbia-Greene FCU account currently in good standing.   

For Bill Payment, you must have an active Columbia-Greene FCU Checking Account. 

You authorize us to utilize Computer Marketing Corporation (CMC) and/or Empire Corporate Federal Credit Union to provide the Services to You on Our behalf.

We reserve the right to refuse to make any payment and/or transfer.

Transfers between suffixes and other accounts will occur immediately and members should verify new balances as soon as possible.  Users must be logged in to the account from which they plan to transfer funds.  Users must have the Personal Identification Number (PIN) for both the FROM account and the TO account in order for transfers between accounts to take place.

For Bill Payment, funds will arrive at your Merchant as close as reasonably possible to the date designated by you in your payment and/or transfer instruction (Payment Date).  Subject to the terms and conditions of this Agreement, you authorize us, and any third party acting on our behalf, to choose the most effective method to process your payment and/or transfer, including, without limitation, electronic, paper or some other draft means.  For each properly instructed payment to an eligible Merchant and/or transfer to a targeted Account, you will receive a transaction confirmation number.

The Payment Date indicated by you must always be a Business Day.  If it is not, the Payment Date will be deemed to be the first Business Day after the date indicated. 

Unless you receive a confirmation number, we shall not be liable for any failure to make a payment and/or transfer, including any finance charges or late fees incurred as a result.  It is also important that the payment date be on or before the merchant due date, not the late date, and, since the time for us to process your payment varies according to the particular merchant, you must become familiar with the payment processing time for each merchant you desire to pay, and allow the appropriate number of business days between the day you input your payment instruction and the payment date. This is generally five (5) business days prior to the due date.  Payments may be only to Payees with a United States address. You agree to not make a Bill Payment of alimony, child-support, taxes or other governmental fees, or court-directed payments.  In the event that you do not adhere to the obligations set forth in this agreement, or you schedule a payment less than the number of business days before the due date required for a particular merchant, you will bear full responsibility for all penalties and late fees and we will not be liable for any such charges or fees.  The service assumes no liability for the late posting or misapplication of payment once funds are received by merchants.

Limitations  Under no circumstances will we be liable if we are unable to complete any payments and/or transfers initiated in a timely manner via the Services because of the existence of any one or more of the following circumstances: 

• The Amount of the requested Transaction exceeds $2500.00.

• The Amount of the requested Overdraft Loan Advance is less than $25.00.

• The designated Account does not contain sufficient funds to complete the payment and/or transfer.

• You have closed the designated Account.

• We have identified you as a credit risk and have chosen to administratively block your access to Flex Teller and/or Bill Payment.

• You do not obtain Confirmation at the time you initiate a payment and/or transfer.

• The Services, your equipment, the software, or any communications link is not working properly and you know or have been advised by us about the malfunction before you execute the transaction.

• You have not provided us with the correct information for those Merchants to whom you wish to direct payment or Accounts to which you wish to make a transfer.

• The Merchant mishandles or delays handling payments sent by us.

• Circumstances beyond our control (such as, but not limited to, fire, flood, or interference from an outside source) prevent the proper execution of the transaction and we have taken reasonable precautions to avoid these circumstances.
   

 WE ARE NOT RESPONSIBLE FOR ANY OTHER LOSS, DAMAGE, OR INJURY, WHETHER CAUSED BY YOUR EQUIPMENT OR SOFTWARE, THE SERVICES, OR ANY TECHNICAL OR EDITORIAL ERRORS CONTAINED IN OR OMISSIONS FROM ANY USER GUIDE/BROCHURE RELATED TO THE SERVICES.  WE SHALL NOT BE RESPONSIBLE FOR ANY DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGE ARISING IN ANY WAY OUT OF THE INSTALLATION, USE OR MAINTENANCE OF YOUR EQUIPMENT, SOFTWARE OR THE SERVICES, EXCEPT WHERE THE LAW REQUIRES A DIFFERENT STANDARD.

 Payment Cancellation/Modification: Except for those transfers which are completed immediately, you may cancel or modify a payment and/or transfer up to 2:00 p.m. Eastern Time (ET) the same Business Day you schedule for payment and/or transfer. 

 Statements: All payments and/or transfers made via the Services will be listed on your monthly account statements (Statement) that you receive from us.

 New Services: We may, from time to time, introduce new services or enhance the existing Services.  We shall notify you of the existence of these new or enhanced services.  By using these services when they become available, you agree to be bound by the obligations concerning these services, which will be sent to you.

 Care of Your Security Code and Security: You agree that you will not give your Services security code (Pin) or make it available to any other person.  If you believe that your Security Code has been lost or stolen, or that someone has made payments and/or transfers using your Security Code without your permission, notify us IMMEDIATELY by phone any time during Member Service hours or send an electronic message through the Service.

 Your Liability for Unauthorized Transfers/Payments: If you believe that your Security Code has been lost or stolen, notify us IMMEDIATELY as provided above in order to keep your possible losses down.  If you notify us within two (2) Business Days after you learn of the loss or theft, your maximum liability is $50.00.

 If you do NOT notify us within two (2) Business Days after you learn of the loss or theft of your Security Code, and we can prove that we could have prevented someone from using your Security Code if you had told us in time, your maximum liability is $ 500.00.

 If your Statement contains payments and/or transfers that you did not make, notify us IMMEDIATELY.  If you do not notify us within sixty (60) days after the Statement was mailed to you, you may not get back any of the money you lost 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 hospital stay or a long trip) prevented you from telling us, we may at our discretion, extend the time.

 Errors and Questions: Contact us as soon as possible at either the address or telephone number described above if you think that a payment and/or transfer listed on your statement is in error or if you need more information about a payment and/or transfer listed on the Statement.  We must hear from you no later than sixty (60) days after you received the first Statement on which the problem or error appeared.

 When you call or write us, you must: 

1.        Tell your name and User ID.

2.        Describe the payment and/or transfer you are unsure about (Merchant name, Account information, Transaction Date, Transaction Amount) and explain as clearly as you can why you believe it is an error or need more information.  If possible, please provide us with the Reference Number for such transaction.

3.        Tell us the dollar amount of the suspected error.  If you tell us orally, or by using the Services' electronic mail, we may require that you send your complaint in writing within ten (10) Business Days.  We will tell you the result of our investigation within ten (10) Business Days after we receive your complaint and will correct any Services error promptly.  If we need more time, we may take up to forty-five (45) days to investigate the complaint or question.  If we decide to do this, we will re-credit your Account within ten (10) Business Days after we hear from you, for the amount you think is in error in order that you may have the use of the money during the time it takes to complete our investigation.  If we ask you to put your question or complaint in writing and we do not receive it within ten (10) Business Days, we may not re-credit your Account.

 Fee Schedule: You agree to pay us the fees to be published by us from time to time. (Our current fee schedule can always be accessed from our home page at www.cgfcu.org).

 Additional Terms and Conditions 

1.        In addition to the foregoing, you agree to be bound by and comply with applicable state and federal laws and regulations.  We agree to be bound by them too.

2.        We reserve the right to terminate your use of the Services, in whole or in part, at any time, without prior notice.

3.        You may terminate your use of the Services at any time. Such termination requests must be in writing. You will be responsible for all payments and/or transfers you have requested prior to termination and for all other charges and fees incurred, if any.

4.        These Terms and Conditions and applicable Services fees and charges may only be altered or amended by us.  In such event, we shall send notice to you at your listed address or transmit notice of the alteration or amendment over the Services.  Your use of the Services following receipt of such notice constitutes acceptance of such alterations or amendments.

5.        In the event of a dispute regarding the Services, you and we agree to resolve this dispute by looking to these Terms and Conditions.  These Terms and Conditions shall supersede any and all other representations made by you or our employees.

6.        These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of New York.

7.        Business Days are Monday through Friday excluding normal banking holidays and published scheduled closings.

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  Click here to download the application in Microsoft Word.

  Click here to download the application as an Adobe PDF file.  You will need the FREE Acrobat Reader to open this file.  Click here to download the latest version.

Please fax the completed application to: 

518-828-8428

Or

Mail to:

Columbia-Greene FCU
207A Green Street
Hudson, NY  12534

HUDSON OFFICE
M-T-W: 9am - 5pm
Thurs: 9am - 7pm
Fri: 9:30am - 5pm
Sat: 9am - 12:30 pm
(518) 828-5216

ATHENS OFFICE
M-W-F: 9am - 5pm
CLOSED on
Tuesday
Thursday
Saturday
(518) 945-2146
 

We have a new look!
Columbia Greene Federal Credit Union has a new logo - watch for more changes.

!! FRAUD ALERTS/SCAMS !!
REMEMBER:
Columbia-Greene Federal Credit Union or any financial institution related to the credit union will NEVER ask you for any personal or account information via emails, telephone calls, faxes or text messages.
If you are ever contacted in this manner, do not give out any of your personal or financial information.

Contact Columbia-Greene FCU at 518-828-5216 directly with any questions or concerns, or to report the incident.
 

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