Fillable Membership Application for a Minor (Navy Federal Credit Union)

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Membership Application for a Minor (Navy Federal Credit Union)

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Access No. (if any) Name: First MI Last Sufx Date of Birth (MM/DD/YY) Social Security No. (SSN)
Current Home Address
Cannot Be a
Post Ofce Box
Street City State Zip Code
Mailing Address
If Different From
Above Address
Street City State Zip Code
Email Address (Required for Navy Federal mobile and online banking) Cell Phone No.* Home Phone or Other Contact No.
*If you provide a cell phone number, Navy Federal has your permission to place automated, prerecorded, or articial voice non-marketing calls and text messages to that number.
Message and data rates may apply. Visit navyfederal.org for more information.
Name of Member Through Whom Minor Is Eligible: Access No.: Relationship to Minor:
__________________________________, __________________________________, __________________________________, __________________________________,
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Page 1 of 3
Access No. Name: First MI Last Sufx Date of Birth (MM/DD/YY) Social Security No. or ITIN
☐
Current Home Address: Street
Cannot Be a
Post Ofce Box
City State Zip Code No. of Years at Residence
Driver’s License, Government ID, or State ID
ID No. State
Issue Date (MM/DD/YY) Expiration Date (MM/DD/YY)
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Email Address (Required for Navy Federal online banking) Cell Phone No.* Home Phone or Other Contact No.
*If you provide a cell phone number, Navy Federal has your permission to place automated, prerecorded, or articial voice non-marketing calls and text messages to that number.
Message and data rates may apply. Visit navyfederal.org for more information.
Employer’s Name Job Title Type of Business No. of Years With Employer
Employer’s Address: Street City State Zip Code Ofce Phone No. Other Source(s) of Income**
**Stocks, alimony, pension, etc.
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This document contains both information and form fields. To read information, use the Down Arrow from a form field.
© 2020 Navy Federal NFCU 97MI (7-20)
Navy Federal
®
Membership Application for a Minor
(For applicants under the age of 18)
Use this form to open or make changes to a Minor’s account.
Please mark the option below that best describes your request. If you are using this application to change a name, Social Security Number (SSN),
or date of birth, please provide the birth certicate, Social Security card, or adoption documents. If a joint owner or authorized user is being
added to (an) existing account(s), the current and new joint owner(s) must complete this application. Please list the account number(s):
Open New Account Change Minor’s Name, SSN, and/or Date of Birth Add Joint Owner to an Existing Account Add/Change Authorized User
A. Minor’s Eligibility
Family Afliation
Navy Marine Corps Army Air Force Space Force Coast Guard
National Guard Non-Military DoD Veteran
B. Minor’s Information (If adding or changing Joint Owner/Authorized User Information, only ll in Minor’s Access No.)
Note: If applying for a new minor account, please provide information for Minor even if the same as Joint Owner
C. Products and Services (You’ll receive the products and services checked.)
☒ Savings/Membership Account (Required)
Free Campus Checking account (Minor must
be 14 years of age or older)
CUCARD
®
(ATM access only)
For Minor
For Joint Owner 1
For Joint Owner 2
Navy Federal mobile and online banking*
*Online banking access can only be provided if the joint owners are the same on all Minor accounts.
For Minor (Age 14 and over only)
For Joint Owner 1 (Authorized User
for online banking only)
For Joint Owner 2 (Authorized User
for online banking only)
Navy Federal Debit Card
(Provides point-of-sale and ATM access.
Requires a checking account.)
For Minor
For Joint Owner 1
For Joint Owner 2
D. Joint Owner 1 Information (Current members only need to fill in Access Number, print name, and complete signature area on page 3.)
Current Home Address: Same as Minor’s
Email Address and Phone No.: Same as Minor’s
E. Joint Owner 1 Employment Information
Please complete all applicable sections + page 3 for signatures.
For Ofce
Use Only
Employee No. SOB Code Access No.
Clear
© 2020 Navy Federal NFCU 97MI (7-20)
Employer’s Name Job Title Type of Business No. of Years With Employer
Employer’s Address: Street City State Zip Code Ofce Phone No. Other Source(s) of Income**
**Stocks, alimony, pension, etc.
Page 2 of 3
Access No. Name: First MI Last Sufx Date of Birth (MM/DD/YY) Social Security No. or ITIN
☐
Current Home Address: Street
Cannot Be a
Post Ofce Box
City State Zip Code No. of Years at Residence
Driver’s License, Government ID, or State ID
ID No. State
Issue Date (MM/DD/YY) Expiration Date (MM/DD/YY)
☐
Email Address (Required for Navy Federal online banking) Cell Phone No.* Home Phone or Other Contact No.
*If you provide a cell phone number, Navy Federal has your permission to place automated, prerecorded, or articial voice non-marketing calls and text messages to that number.
Message and data rates may apply. Visit navyfederal.org for more information.
F. Joint Owner 2 Information (Current members only need to fill in Access Number, print name, and complete signature area on page 3.)
Current Home Address: Same as Minor’s
Email Address and Phone No.: Same as Minor’s
G. Joint Owner 2 Employment Information
H.
Disclosure Agreement and Survivorship Designation
Guidelines for Minor’s Accounts
A membership/savings account will be opened for a Minor at any age;
however, the Minor must have a Social Security Number. A checking
account may be opened for a Minor 14 years of age or older. A Joint Owner
(who is 18 or older) is required on both the savings and checking accounts
until the Minor reaches the age of 18. Navy Federal reserves the right to
deny the Joint Owner’s application if the Joint Owner’s checking account
was previously closed due to abuse. A CUCARD for the Minor may be
issued at any time if the Joint Owner requests it. A Navy Federal Debit Card
can be issued for the Minor if a checking account has been opened and
the Joint Owner requests it. A Visa
®
or Mastercard
®
credit card cannot be
issued for the Minor until 18 years of age. Mobile and online banking is only
available to Minors 14 years and older.
Applicable to Minors and Joint Owners
Account Disclosures: I/We acknowledge that membership at Navy Federal
comes with certain ongoing responsibilities. By signing this document,
I/we acknowledge receipt of and agree to all terms and conditions in the
Important Disclosures booklet and all other disclosed terms and conditions
of all accounts and services that I/we may receive at Navy Federal. These
terms and conditions will be disclosed in accordance with applicable
state and federal laws. I/We understand that Navy Federal may restrict or
suspend my/our access to products or services if I/we engage in conduct
that is abusive to the credit union or its membership.
Escheatment: I/We acknowledge that my/our property may be transferred
to the appropriate state if there has been no activity on any of my/our
accounts within the time period specified by state law.
Contractual Lien: I/We acknowledge that Navy Federal may transfer funds
from any accounts in which I/we have an ownership interest to correct a
negative or overdrawn amount on any account on which my/our name(s)
appear(s). This applies to all funds I/we voluntarily deposit into Navy Federal
accounts, including Social Security funds, as permitted by law.
Applicable to Joint Owners
Consumer Reports: I/We (Joint Owner(s) who is/are 18 or older) authorize
Navy Federal to obtain a consumer credit report to evaluate my/our
creditworthiness so that I/we may be considered for other Navy Federal
products and services. I/We also authorize Navy Federal to obtain consumer
reports for the purposes of evaluating this membership application and
reviewing any Navy Federal accounts I/we open. I/We understand these
reports may be used in decisions to deny account applications, close
accounts, and/or restrict accounts or services.
Identification: Federal law requires all financial institutions to obtain, verify,
and record information that identifies each person who opens an account,
including Joint Owners and authorized signers. What this means for you:
When you open an account, we will ask you for your name, address, date
of birth, and other information that will allow us to identify you. We may
also ask to see your driver’s license or other identifying documents. It may
be necessary for Navy Federal to restrict account access pending further
verification of your identity or documentation related to your eligibility.
Authorized Users and Online Banking
Applicable to Joint Owners of Minors Under 14: If I/we (the Joint
Owner(s)) checked the corresponding box in Section C, I/we, on the Minor’s
behalf and in my/our individual capacity, submit this application for me/us to
be the Minor’s Authorized User(s) for Navy Federal’s online banking service
(“online banking”).
Applicable to Minors 14 and Over: If the corresponding box in Section
C is checked, I/we (the Minor, or the Joint Owner(s) on the Minor’s behalf)
apply for mobile and online banking for the Minor.
Applicable to Joint Owners of Minors 14 and Over: If I/we (the Joint
Owner(s)) checked the corresponding box in Section C, I/we, on the Minor’s
behalf and in my/our individual capacity, submit this application for me/us to
be the Minor’s Authorized User(s) for online banking.
Online Banking and Powers of Authorized User: I/We understand
that the mobile and online banking service will provide the Minor access
to all existing and future accounts held in the Minor’s name. Through
online banking, the Authorized User(s) will also have access to the Minor’s
accounts except those accounts where the Minor is designated as a Joint
Owner, co-applicant, or co-signer (guarantor). The Authorized User will
also have the ability to suppress paper statements. Note: Joint Owners
on accounts who are not also Authorized Users for the Primary Account
Owner cannot access account statements through online banking. I/We
understand and agree that online banking for an Authorized User will remain
in effect until such time as I/we contact and direct Navy Federal to terminate
such access to my/our account(s). I/We hereby accept responsibility for
safeguarding and protecting my/our password(s) and other credentials
used to access online banking and, if applicable, mobile banking, as well
as the security of the computer or access device used to access online
and, if applicable, mobile banking in order to prevent unauthorized access
and transactions on the account. I/We agree that Navy Federal may revoke
my/our online and, if applicable, mobile banking service if unauthorized
access or transactions occur as the apparent result of my/our negligence in
safeguarding the password(s) or access device(s). If I/we applied for online
and, if applicable, mobile banking, I/we acknowledge receipt of, have read,
understand, and agree to the Mobile Banking, Online Banking, and Bill Pay
Disclosure Statement and all amendments made available on
navyfederal.org
or by calling 1-888-842-6328.
Survivorship Designation
Joint Account—With Survivorship
(On the death of an account owner, the deceased’s shares pass to the surviving owner.)
Joint Account—No Survivorship
(On the death of an account owner, the deceased’s shares pass to the estate.)
The survivorship designation on my membership/savings account applies to all other joint accounts with the same Joint Owner, unless specifically designated
otherwise for a particular account in writing. If a survivorship option has not been indicated here, my accounts will be designated as Joint With Survivorship.
© 2020 Navy Federal NFCU 97MI (7-20)
Page 3 of 3
Signature of Minor (If Minor cannot sign or make mark, Joint Owner must sign for Minor.)
▸
Date (MM/DD/YY)
(For example, Joseph Smith, by John Smith, Father)
☐
Signature of Joint Owner 1
(Required) and Authorized User, as applicable
▸
Date (MM/DD/YY)
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Signature of Joint Owner 2 (If applicable) and Authorized User, as applicable
▸
Date (MM/DD/YY)
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I. Required Signatures and Tax Certication
By signing, I/we acknowledge that I/we have read and agree to the information/disclosure above.
Tax Certication
(This certification does not apply if I have checked the box below my signature.)
Under penalty of perjury, I certify that (1) the SSN/ITIN provided is correct, (2) I am not subject to backup withholding, and (3) I am a US Citizen or US resident alien.
The FATCA code certication does not apply.
The Internal Revenue Service does not require your consent to any provision of this document other than the certifications required to avoid backup withholding.
By checking this box, I certify that I am a non-resident alien and I have completed a Form W-8BEN.
By checking this box, I certify that I am a non-resident alien and I have completed a Form W-8BEN.
By checking this box, I certify that I am a non-resident alien and I have completed a Form W-8BEN.
Account Funding - A $5.00 deposit is required to establish membership.
Submission Options
Fax: 703-206-4600
Branch: Visit navyfederal.org/branches-atms/index.php to locate a branch ofce.
Mail: P.O. Box 3000, Merrield, VA 22119-3000
Email: MembershipDocs@navyfederal.org
Online: Sign into online banking > Select “Messages” tab > Select “Send us a message” tab > Under “My Message is About,” select “New/Recent Application” >
Under “Regarding,” select “Membership” > Fill out subject as “Minor Application” > Attach completed 97MI and any supporting documents listed in the paragraph
above Box “A. Minor’s Eligibility” on page 1.
• navyfederal.org 1-888-842-6328
Federally insured by NCUA.
© 2020 Navy Federal NFCU 652A (2-20)
MOBILE BANKING,
ONLINE BANKING,
AND BILL PAY
TERMS AND CONDITIONS
1 2
TABLE OF CONTENTS
A. ESIGN Member Consent to Use Electronic Signatures
and Documents
B. General Mobile Banking, Online Banking, and Bill Pay
Terms and Conditions
C. Mobile Banking Terms and Conditions
D. Bill Pay Terms and Conditions
A. ESIGN Member Consent to Use Electronic Signatures
and Documents
THIS DISCLOSURE CONTAINS IMPORTANT INFORMATION THAT YOU
ARE ENTITLED TO RECEIVE BEFORE YOU CONSENT TO RECEIVE
ELECTRONIC DISCLOSURES AND TO TRANSACT BUSINESS WITH US
ELECTRONICALLY VIA MOBILE OR ONLINE BANKING.
PLEASE SCROLL TO READ THIS DISCLOSURE CAREFULLY. PRINT, EMAIL, OR
SAVE A COPY FOR YOUR RECORDS.
This section provides information related to the general use of electronic
signatures, documents, and notices in connection with our Mobile and
Online Banking Services, and the required disclosures associated with
these services. This section also covers the requirements related to the
hardware and software you will need to communicate with us via your
mobile device or online.
Certain laws require us to provide application disclosures, periodic account
statements, and account notices to you, and you have the right to receive these on
paper. According to the Electronic Signatures in Global and National Commerce Act
(ESIGN), Navy Federal may provide this information to you electronically if we first
present this ESIGN Member Consent to Use Electronic Signatures and Documents
disclosure (“ESIGN Disclosure”) and obtain your consent to receive electronic
disclosures and to conduct transactions electronically.
1. Agreement to Receive Communications in Electronic Form
By agreeing to this ESIGN Disclosure, you are consenting to receive the following
documents and notices electronically: the Mobile Banking, Online Banking, and Bill
Pay Disclosure (“Mobile and Online Banking Disclosure”); any change in terms notices
related to the Mobile and Online Banking Disclosure; and any notices related to any
activities or transactions you conduct through Mobile and Online Banking. Your consent
remains in effect until you give us notice that you are withdrawing it.
2. Form of Electronic Communications
All documents that we provide to you in electronic form will be provided either (1) via
email, or (2) by access to a website or mobile application.
1
¹Message and data rates may apply. Visit navyfederal.org for more information.
3. Withdrawal of Consent
If you decide that you do not want to continue receiving any future change in terms
notices or notices related to any activities or transactions you conduct through Mobile
or Online Banking electronically, or Bill Pay transaction-related notices, you can
withdraw your consent. You may do this for Mobile and Online Banking by calling
Navy Federal at 1-888-842-6328 or by visiting a Navy Federal branch. You may do
this for Bill Pay by calling 1-888-868-8123. Any withdrawal of consent to receive
disclosures and notices electronically will be effective only after we have a reasonable
amount of time to process the withdrawal.
Please note that withdrawing your consent to receive any change in terms notices or
notices related to any activities or transactions you conduct through Mobile or Online
Banking electronically, including Bill Pay, will result in termination of your Mobile and
Online Banking Services, including the ability to initiate funds transfers using Mobile
or Online Banking.
4. Updating Your Records
You agree to provide us with a true, accurate, and complete email address and other
contact information related to the Mobile and Online Banking Disclosure and your
Navy Federal accounts, and to update promptly any changes to that information. You
can update your information through our mobile or online service or by contacting us
at 1-888-842-6328. You may also write to us at Navy Federal Credit Union (EFT), P.O.
Box 3001, Merrifield, VA 22119-3001.
5. Hardware and Software Requirements
We do not endorse a specific operating system or particular web browser. To receive all
documents and notices electronically related to Mobile and Online Banking, you must
have one or more of the following:
• a valid email address;
• a current version (defined below) of a web browser;
• a current version of our Navy Federal application (via the App Store
®
or Google Play
TM
);
• a connection to the internet;
• a current version of a program that reads and displays PDF documents,
such as Adobe Acrobat Reader
®
, for viewing and retaining certain disclosures;
• a printer, if you wish to print your disclosures and retain your records in paper;
• the capacity to store information; and
•
an internet access device, such as a smartphone, tablet, computer
desktop, or laptop, with an operating system (Windows
®
, MacOS
®
, iOS,
or Android
TM
) capable of supporting the above.
By “current version”, we mean a version of the software that is supported. We
reserve the right to discontinue support of a current version of software for security
or stability purposes. The following link includes more information on the operating
systems and web browsers we currently support and related system requirements:
Software and Hardware Requirements. We may not support some older operating
systems or web browsers, so if you are using an outdated version, you may need
to update it in order to get access to Mobile and Online Banking. You should check
the Software and Hardware Requirements page occasionally for updates on
supported software. The Software and Hardware Requirements are available on the
Browser Support page of navyfederal.org.
From time to time, we may offer services or features that require your web browser to
be configured in a particular way, such as permitting the use of JavaScript or cookies.
If we detect that your web browser is not properly configured, we will provide you with
a notice and advice on how to update your configuration.
App Store
®
and MacOS are trademarks of Apple, Inc., registered in the U.S. and other
countries. Windows
®
is a registered trademark of Microsoft Corporation in the United
States and/or other countries. Google Play
TM
is a trademark of Google, Inc. Adobe
Acrobat Reader
®
is a registered trademark of Adobe Systems Incorporated in the
United States and/or other countries. iOS is a trademark or registered trademark of
Cisco in the U.S. and other countries and is used under license.
3 4
6. Access to Your Disclosures and Requesting Paper Copies
The Mobile and Online Banking Disclosure will remain available for viewing and
printing within Online Banking, within the Bill Pay Service housed within Online
Banking, and on the Navy Federal app. All other disclosures, change in terms notices,
and notices related to any activity or transactions you conduct using Mobile or Online
Banking will remain available for viewing in the eMessage system within Bill Pay, or
within the Navy Federal Online Banking eMessage system, as applicable, for ninety
(90) days, unless you choose to delete the message. Even if you consent to receive
documents electronically, you can always obtain a paper copy by requesting one or
by printing the electronic document. We may charge you a reasonable fee for delivery
of paper copies already provided electronically.
7. Communications “in Writing”
All documents in either electronic or paper format from us to you will be considered
“in writing.” Please print or download for your records a copy of the Mobile and Online
Banking Disclosure and any other document that is important to you.
8. Termination/Changes
We may discontinue the provision of electronic documents or terminate or change the
terms and conditions under which we provide electronic documents. We will provide
you with notice of any such termination or change if required by law.
By providing your consent, you are confirming that you have the hardware
and software described above, that you are able to receive and review
electronic documents, and that you have an active email account. You are
also confirming that you are authorized to, and do, consent on behalf of all
the other account owners, authorized signers, authorized representatives, and
delegates identified in respect of your Navy Federal products and services.
B. General Mobile Banking, Online Banking, and Bill Pay
Terms and Conditions
These General Mobile Banking, Online Banking, and Bill Pay Terms and
Conditions apply equally to Mobile Banking, Online Banking, and Bill
Pay, except where the context indicates otherwise. For additional terms
and conditions specific to Mobile Banking or Bill Pay, see below in the
appropriate section.
This section provides information and the general terms and conditions for
use of Navy Federal’s Mobile Banking, Online Banking, and Bill Pay Services.
You will find definitions of terms used throughout the Agreement, and
provisions that provide you necessary information related to contacting you
by mobile device, by email, and electronically; the electronic transactions
permitted; your liability for unauthorized transactions; contact information
for unauthorized transactions or if you have a question or error that needs
to be resolved; protecting your password, access, devices, and means to carry
out electronic transactions; and your remedies and limitations on liability.
1. General Mobile Banking, Online Banking, and Bill Pay Definitions
“Affiliates” are companies related by common ownership or control.
“Agreement” means the terms and conditions that pertain to the particular Service
in which this defined term is used, or to this entire Mobile Banking, Online Banking,
and Bill Pay Terms and Conditions disclosure, where the context does not indicate a
particular Service.
“Business Days” are Monday through Friday, except federal holidays.
“Mobile Banking” means any activity conducted by you on Navy Federal’s mobile app,
including Bill Pay, and any future Services used by you on Navy Federal’s mobile app.
“Navy Federal,” “we,” “us,” or “our” refers to Navy Federal Credit Union and its
affiliates and Service Providers.
“Online Banking” means any activity conducted by you on Navy Federal Credit Union’s
website, navyfederal.org, including Bill Pay transactions and any future Services
used by you on Navy Federal’s website.
“Service(s)” means any activity or functionality offered by Navy Federal or its Service
Providers through Mobile or Online Banking, including Bill Pay.
“Service Providers” means companies that we have engaged to render some or all
of the Services to you on our behalf.
“You,” “your,” “I,” or “yourself” refers to the Member, authorized user, or joint
account holder using the Services.
2. Access to All Existing and Future Accounts
With Mobile and Online Banking, you will have access to all existing and future
accounts on which you are the owner or joint owner. Subject to the terms herein, you
may use the Service seven days a week, twenty-four hours a day, except during any
scheduled or unscheduled interruptions in the Service for maintenance, security, or
other reasons.
However, if you are a joint owner and you wish to access account statements, the
primary owner must designate you as an authorized user for Online Banking, with
permission to access statements. Authorized users have access to the primary owner’s
Online Banking, subject to the conditions in the paragraph “Authorized User” below.
3. Authorized User
You may elect to authorize Online Banking access only for any number of authorized
users, in addition to yourself. A separate application and agreement must be signed for
each authorized user. If you desire an authorized user to have access to your account via
Online Banking, you must sign the Mobile Banking, Online Banking, and Bill Pay Application
and Agreement as the Member, and the other person must sign the application as the
authorized user. At the time you add an authorized user, the authorized user will by default
have access to all existing and future accounts held in your name, except those where you
are designated as the joint owner, co-signer (guarantor), or co-borrower.
5 6
Your authorized user will have authority to perform the following functions through
Online Banking:
• Make transfers to and from your account
• Enroll in or access your Bill Pay Service
• View your eStatements, suppress your paper statements, and request a
statement copy
• Enroll in Scan Deposits and use the Scan Deposits Service
• Check the status of a pending loan application
• Update your personal information
• Sign up for email alerts
• Send us an eMessage
• View your account details and account summary
• View checks online, order checks, or make a stop payment request on a check
• Change your checking account type
You can manage your authorized user’s privileges via the “Settings” link in Online
Banking. This will allow you to provide access for your authorized user(s) to certain
accounts and Services as you deem necessary.
Note that, while your authorized user may access your lines of credit, you remain
solely responsible for repayment if any credit is extended. Authorizing Online Banking
for an authorized user will make you financially liable for all unauthorized access,
losses, or misuse of your accounts until reported to Navy Federal.
4. Verification of Identification
To help fight the funding of terrorism and money laundering activities, federal law
requires all financial institutions to obtain, verify, and record information that identifies
each person who opens an account, including joint owners and authorized users.
When you open an account or become an authorized user, we will ask you for your
name, address, date of birth, and other information that will allow us to identify you.
5. Eligibility of Minors
Mobile and Online Banking is offered to adults and to minors fourteen (14) years
or older. By using Mobile and Online Banking, you represent that you meet these
requirements and that you agree to be bound by this Agreement.
6. Your Account Ownership and Contact Information
You represent that you are the legal owner or authorized user of the account and other
financial information, which may be accessed via Mobile or Online Banking.
You represent and agree that all information you provide us in connection with Mobile
or Online Banking is accurate, current, and complete, and that you have the right to
provide such information to us for the purpose of operating Mobile or Online Banking
Services. You agree not to misrepresent your identity or your account information.
You agree to keep your account information confidential, up to date, and accurate.
It is your sole responsibility to ensure that your contact information with Navy Federal is
current and accurate. You may change your contact information by editing your profile
via the Navy Federal mobile app or Online Banking. You may also call Navy Federal
at 1-888-842-6328 or write us at Navy Federal Credit Union (EFT), P.O. Box 3001,
Merrifield, VA 22119-3001.
7. Contacting You Via Your Cell Phone Number or Email Address
You must provide us a phone number and an email address to discuss your
accounts with us. If you provide a cell phone number, Navy Federal has
your permission to contact you at that number about all your Navy Federal
accounts, including account servicing and collection purposes. We may
contact you for non-marketing purposes in any way, including automated
calls, text messages, and/or prerecorded or artificial voice messages. You
agree to promptly notify us if your contact information changes. Message
and data rates may apply. Visit navyfederal.org
for more information.
If you provide an email address,
Navy Federal has your permission to send
you email messages using an automatic emailing system for commercial or
transactional purposes.
Navy Federal may at any time request the following from you in relation
to your Mobile or Online Banking activities: electronic banking credentials,
implementation of alternative risk control mechanisms, or may contact
authorities when suspicious account activity or Member security-related
events occur.
Services
SMS
Short
Code
Description
of Service
Frequency
of Messages
Credit Card
Fraud Alerts
33748
Free to End User notifications
to alert you about possible
risk of credit card fraud
Message
frequency varies
Account
Servicing and
Collection
Alerts
37531
Notifications to contact you
for account servicing and
collection purposes, including
payment reminders
Message
frequency varies
Informational
Alerts
39227
Receive informa
tional
messages about Navy Federal
Message
frequency varies
Account
Transaction
Alerts
40554
Notifications related to
account transactions,
including, but not limited to,
account balance alerts or
deposit confirmation alerts
Message
frequency varies
Status Alerts
46328
Notifications related to account
status updates, including, but
not limited to, application and
appointment updates.
Message
frequency varies
Security Alerts 73077
Free to End User notifications
to alert you about possible
risk of fraud, identity theft,
and/or account security
Message
frequency varies
On-Demand
Alerts
73949
Receive information you have
requested via a one-time
text message on your mobile
phone
One-time
per request
One-Time
Passcode Alerts
668439
F
ree to End User text message
to receive your passcode via
a one-time text message on
your mobile phone
One-time
per request
If you have questions about mobile or text messages related to the Services
listed above, you may send a text message with the word “HELP” to the
applicable SMS Short Code or call us toll-free at 1-888-868-8123. To stop
receiving text messages for any of the above Services on your phone, text
“STOP” to the applicable SMS Short Code. Wireless service providers and
wireless carriers are not liable for delayed or undelivered messages.
7 8
8. Types of Available Transfers Using Mobile and Online Banking
Transfers using Navy Federal Mobile and Online Banking may be made in accordance
with the rules of the relevant accounts.
You may make transfers between all owned savings accounts, checking accounts,
and Money Market Savings Accounts (MMSAs).
You may make transfers from your savings accounts, checking accounts, and MMSAs
to your savings Individual Retirement Accounts (IRAs), MMSA IRAs, share certificates,
or IRA share certificates.
You may make transfers from a specific savings IRA and MMSA IRA to another IRA
of the same type.
You may transfer funds from your savings accounts, checking accounts, and MMSAs
to make Navy Federal loan and credit card payments.
You may make cash advances from your Navy Federal Credit Card or Home Equity
Line of Credit (HELOC) to your savings accounts, checking accounts, or MMSAs.
You may transfer funds from your savings accounts, checking accounts, and MMSAs
to another Member’s savings account, checking account, and MMSA or to make a
payment on another Member’s consumer loan if you have established a Member-to-
Member transfer capability for those accounts.
You may transfer funds from your checking account at Navy Federal to a checking
account at another financial institution via the Automated Clearing House (ACH) when
the transfer is originated from Navy Federal.
You may make transfers from your checking account at another financial institution
to make a payment on a Navy Federal loan when the transfer is originated from
Navy Federal.
You may make bill payments directly from your checking accounts or MMSAs in the
amounts and on the days you requested, using our Bill Pay Service.
You may withdraw $5 to $2,500 from your savings accounts to be mailed by check to
your savings account address of record on the next Business Day.
We may add new transfer capabilities or features to our Mobile and Online Banking,
which will be subject to the terms governing the relevant accounts.
9. Transfer Limitations
There is no limit on the number of transfers from your savings account or your
MMSA if they are made in person, by automatic teller machine (ATM), or by mail,
or if they are made to make payments on Navy Federal loans, to have funds
mailed directly to you, or as a distribution of your direct deposit. Otherwise, federal
regulations limit the number of certain types of transfers and/or withdrawals you can
make from your savings account and your MMSA to six (6) per calendar month. The
types of transfers that are limited are those requested by fax, telephone, internet,
mobile, pre-authorized transfers, or transfers automatically generated from savings
to cover checking overdrafts or MMSA checks.
Except for the Federal regulations limits described above, there is no limit on the
number of transfers that can be performed per day.
There are minimum and maximum total dollar transfer limits associated with
transferring funds to/from another financial institution via the ACH when the transfer
is originated from Navy Federal.
Transfers from a Navy Federal checking account to a checking account at another
financial institution may be requested for a minimum of $5.00 to a maximum of
$5,000 per Business Day. However, the total aggregate amount of all checking
transfers within any five-Business-Day period cannot exceed $15,000.
Transfers to Navy Federal loans from a checking account at another financial
institution may be requested for a minimum of $5.00 to a maximum of $10,000
per Business Day. However, the total aggregate amount of all loan payments within
any five-Business-Day period cannot exceed $30,000.
Transfers to Navy Federal mortgage loans from a checking account at another
financial institution may be requested for a minimum of $5.00 to a maximum of
$30,000 per Business Day. However, the total aggregate amount, which includes
your regular payment, additional escrow, principal, and late fees, of all mortgage
payments within any five-Business-Day period cannot exceed $30,000.
Aggregate amounts apply to all accounts that you own individually or that you have
joint ownership of, and are based on the effective transfer date(s). If you attempt to
schedule a transfer or payment that would exceed these limits, an online message will
let you know the effective transfer date(s) that have exceeded these limits.
These transfer limits can also be found within Online Banking by clicking on the
“Help”
function, and then on “External Transfers” under the “Categories” column.
For security reasons, Navy Federal may impose further limitations on the dollar
amounts of transfers initiated at Navy Federal.
10. Your Liability for Unauthorized Electronic Funds Transfers
Notify us AT ONCE if you believe:
• your account may have been accessed without your authority;
• your card, code, or password has been lost or stolen;
• someone has transferred or may transfer money from your account
without your permission; or
• an electronic funds transfer has been made without your permission
using information from your check or your MMSA check.
The best way to minimize your possible loss is to telephone or contact us through our
eMessage system at
navyfederal.org
, although you may advise us in person or in
writing. If you do not notify us, you could lose all the money in your account (plus your
maximum line of credit amount).
If you tell us within two (2) Business Days after you discover your password or other
means to access your account has been lost or stolen,
your liability is no more than
$50.00 should someone access your account without your permission. If you do
not tell us within two (2) Business Days after you discover such loss or theft, and
we can prove that we could have prevented the unauthorized use of your password
or other means to access your account if you had told us, you could be liable for
as much as $500.00.
Also, if your statement shows transfers that you did not make or authorize,
tell us AT ONCE. If you do not tell us within sixty (60) days after the statement was
delivered to you of any unauthorized or fraudulent use of your account, you may not
get back any of the money you lost after the sixty (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) prevented you from telling us,
we may in our sole discretion extend the time periods.
Telephone Numbers and Address to notify us of unauthorized account
access or activity, lost or stolen credentials, or an unauthorized Bill
Pay transaction:
• Call 24 hours a day toll-free: 1-888-868-8123
• If in metro Washington, DC or outside the United States, call 703-255-8699
• Write us at: Navy Federal Credit Union (EFT), P.O. Box 3001, Merrifield, VA
22119-3001
•
Send us an electronic message through our eMessaging system at
navyfederal.org
11. In Case of Errors or Questions About Your Electronic Transfers
If you think your statement or receipt is wrong, or if you need more information about
a transaction listed on your statement or receipt, contact us as soon as possible:
• Call us 24 hours a day at our toll-free number: 1-888-842-6328
• If overseas, visit navyfederal.org or use 1-703-255-8837 for collect
international calls
• Write us at: Navy Federal Credit Union (EFT), P.O. Box 3001, Merrifield, VA
22119-3001
9 10
We must hear from you no later than sixty (60) days after the FIRST statement on
which the problem or error appeared. When you contact us:
• tell us your name and account number;
• describe the error or the transaction you are unsure about and clearly explain
why you believe it is an error or why you need more information; and
• tell us the dollar amount and date of the suspected error.
These are our procedures for resolving errors:
• If you tell us orally, we may require that you send your complaint in writing
within ten (10) Business Days after your oral notification.
• We will determine whether an error occurred within ten (10) Business Days
(twenty (20) Business Days for new accounts) after you notify us of the error
and will correct any error promptly. However, if we require more time to
confirm the nature of your complaint or question, we reserve the right to take
up to forty-five (45) days to complete our investigation. For errors involving
new accounts, point-of-sale, or foreign-initiated transactions, we may take
up to ninety (90) days to investigate your complaint or question. If we decide
to do this, we will provisionally credit your account within ten (10) Business
Days (twenty (20) Business Days for new accounts) 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. A provisional credit is a temporary credit
adjustment made to your account during the time it takes us to complete
our investigation.
• If we ask you to submit your complaint or question in writing and we do not
receive it within ten (10) Business Days, we may remove the provisional credit
from your account.
• If it is determined that there was no error, we will reverse any provisional
credits within one (1) Business Day of finishing our investigation, and send you
a written explanation within three (3) Business Days. If there are insufficient
funds in your account to cover the amount of the provisional credit, the account
will be overdrawn, and you will be responsible for payment. You may ask for
copies of documents used in our investigation.
12. Protecting Your Password and Ensuring the Security of Your Device
By applying for Mobile and Online Banking, you agree to accept responsibility for
safeguarding and protecting your Password, Reset Question and Answer, Challenge
Questions and Answers, or any other credentials used to access Mobile or Online
Banking. If you believe your password or other credentials have been lost or stolen, or
that someone may attempt to use your Mobile or Online Banking Service without your
consent or has transferred money without your permission, notify us at once at the
address or telephone numbers listed in paragraph 10, “Your Liability for Unauthorized
Electronic Funds Transfers,” above.
You agree not to give or make available your password or credentials to any
unauthorized individuals, and you agree to be responsible for all actions taken by
anyone to whom you have provided such credentials or allowed to use your Mobile
or Online Banking Service, including any Bill Pay transactions.
In order to help prevent unauthorized transactions on Mobile and Online Banking,
you also agree to ensure the security of the personal computer (PC) you own and/or
use to access Online Banking, and of any mobile device you use to access Mobile
Banking. By securing the PC you own and/or use, we specifically mean installing
antivirus software, a firewall, and spyware detection software on your PC, and
keeping this security software current, or verifying that the above security software
has been installed and is current.
You also agree that Navy Federal may revoke Mobile or Online Banking if unauthorized
Mobile or Online Banking occurs as a result of your negligence in safeguarding the
Password, Reset Question and Answer, and Challenge Questions and Answers, or
as a result of your negligence in ensuring the security of the PC you own and/or use
to access the Navy Federal Online Banking Service, as described above, or of the
mobile device used to access Mobile Banking.
13. Periodic Statements
You will receive a statement monthly unless your account(s) has/have not engaged
in savings or checking account activity (no transactions) within 365 days. When
there is no activity within 365 days, Navy Federal may choose to provide a
statement on an annual basis.
14. Transaction Fees
Navy Federal does not charge for transfers initiated or account information viewed
via Navy Federal Mobile or Online Banking, or for the Bill Pay Services, except for
the optional “Rush Delivery” fee for expedited Bill Pay. However, message and
data rates may apply. Visit navyfederal.org
for more information. Please see the
Schedule of Fees and Charges at navyfederal.org for fees charged for other
transactions and optional services. Navy Federal reserves the right to charge for
Mobile or Online Banking, including Bill Pay. You will be given at least twenty-one
(21) days advance notice before Navy Federal implements any new fees for Mobile
or Online Banking, or Bill Pay.
15. Our Liability for Failure to Make Transfers
Navy Federal will use reasonable efforts to complete all your transfers properly. If
Navy Federal does not complete a transfer to or from your account on time, in
the correct amount, or to the correct recipient in accordance with your payment
instructions, according to our Agreement with you, we may be liable for your losses or
damages. Navy Federal’s liability is limited; we will not be liable for indirect, special, or
consequential damages.
There are some instances when we will NOT be liable, for example, if:
a.) through no fault of ours, you do not have sufficient funds in your account
(for Bill Pay, this is your Payment Account–see the Bill Pay section below in
this Agreement), available funds through your Optional Overdraft Protection
Service (OOPS), or available credit in your Checking Line of Credit (CLOC) to
make the transfer. Per federal regulation, pre-authorized telephone, internet,
mobile, or automatic transfers from savings to cover checking overdrafts
cannot exceed six (6) in number per calendar month; in such case for Bill Pay,
the Bill Pay Service Guarantee shall be void;
b.) the funds in your account are subject to legal process, such as garnishment
or attachment;
c.) the account is subject to a pledge or security agreement;
d.) despite reasonable precautions that we have taken, circumstances beyond
our control (such as fire, power failure, flood, or failure of paying agency to
deliver direct deposit payment data) prevent the transfer; in such case for Bill
Pay, the Bill Pay Service Guarantee shall be void;
e.) for Bill Pay, the Service is not working properly and you know or have been
advised by us about the malfunction before you execute the transaction or the
Payment Instruction; in such case for Bill Pay, the Bill Pay Service Guarantee
shall be void;
f.) for Bill Pay, you have not provided the Service with the correct Payment
Account information, or the correct name, address, phone number, or
account information for the Biller; in such case, the Bill Pay Service
Guarantee shall be void;
g.) Bill Pay Rush Delivery payments are submitted without complete or accurate
information and are therefore rejected or do not post on time. You will be
charged the associated fee for each Rush Delivery payment order you submit,
regardless of whether it was properly submitted.
11 12
For Bill Pay, provided none of the foregoing exceptions are applicable, if the Service
causes an incorrect amount of funds to be removed from your Payment Account or
causes funds from your Payment Account to be directed to a Biller that does not
comply with your Payment Instruction, the Service shall be responsible for returning
the improperly transferred funds to your Payment Account, directing to the proper
Biller any previously misdirected transactions, and, if applicable, any late payment-
related charges.
16. Disclosure of Account Information to Third Parties
It is our general policy to treat your account information as confidential. However, we
will disclose information to third parties about your account or the transactions you
make ONLY in the following situations:
a.) Where it is necessary for completing transactions;
b.) Where it is necessary for activating additional services;
c.) In order to verify the existence or condition of your account to a third party,
such as a credit bureau or Biller;
d.) To a consumer reporting agency for research purposes only;
e.) In order to comply with a governmental agency or court orders;
f.) If you give us your written permission;
g.) If we return checks on your account drawn on non-sufficient funds or if we are
unable to complete an electronic transfer because of non-sufficient funds; or
h.)
In accordance with Navy Federal’s Privacy Policy, which you can find on
navyfederal.org
.
17. Governing Law and Forum for Disputes
This Agreement shall be governed by and construed in accordance with the laws
of the Commonwealth of Virginia, without regard to its conflicts of laws provisions,
provided, however, that any dispute solely between you and the Service Provider shall
be governed by and construed in accordance with the laws of the State of Georgia,
without regard to its conflicts of laws provisions. To the extent that the terms of this
Agreement conflict with applicable state or federal law, such state or federal law shall
replace such conflicting terms only to the extent required by law. Unless expressly
stated otherwise, all other terms of this Agreement shall remain in full force and effect.
Unless our Important Disclosures Booklet states otherwise, you agree that any claim or
dispute you may have against us must be resolved by a court located in the county in
which you reside. You agree to submit to the personal jurisdiction of such courts for the
purpose of litigating all claims or disputes. The United Nations Convention on Contracts
for the International Sale of Goods shall not apply to this Agreement.
THE FOREGOING SHALL CONSTITUTE THE SERVICE’S ENTIRE LIABILITY AND
YOUR EXCLUSIVE REMEDY. IN NO EVENT SHALL THE SERVICE BE LIABLE
FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR
EXEMPLARY DAMAGES, INCLUDING LOST PROFITS (EVEN IF ADVISED OF THE
POSSIBILITY THEREOF) ARISING IN ANY WAY OUT OF THE INSTALLATION, USE,
OR MAINTENANCE OF THE EQUIPMENT, SOFTWARE, AND/OR SERVICE.
18. Unauthorized Use
Access to and use of the Navy Federal Mobile and Online Banking Service(s) is subject
to all applicable federal, state, and local laws and regulations. Unauthorized use of the
Navy Federal Mobile and Online Banking Service(s) or information accessed via the
Navy Federal Mobile and Online Banking Service(s) is strictly prohibited.
19. Links and Frames
Links to other sites may be provided on the portion of the Site through which
the Service is offered for your convenience. By providing these links, we are not
endorsing, sponsoring, or recommending such sites or the materials disseminated by
or services provided by them, and are not responsible for the materials, services, or
other situations at or related to or from any other site, and make no representations
concerning the content of sites listed in any of the Service web pages. Consequently,
we cannot be held responsible for the accuracy, relevancy, copyright compliance,
legality, or decency of material contained in sites listed in any search results or
otherwise linked to the Site. For example, if you “click” on a banner advertisement
or a search result, your “click” may take you off the Site. This may include links from
advertisers, sponsors, and content partners that may use our logo(s) as part of a
co-branding agreement. These other sites may send their own cookies to users,
collect data, solicit personal information, or contain information that you may find
inappropriate or offensive. In addition, advertisers on the Site may send cookies to
users that we do not control. You may link to the home page of our Site. However, you
may not link to other pages of our Site without our express written permission. You
also may not “frame” material on our Site without our express written permission. We
reserve the right to disable links from any third-party sites to the Site.
20. Complete Agreement, Severability, Headings, Survival,
and Inconsistencies
In the event of a dispute regarding this Agreement and the Services offered through
Mobile and Online Banking, you 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 us, sets forth the entire understanding between us and
you with respect to the Services and the portion of Navy Federal’s website, the Site,
or mobile app through which the Services are offered and supersedes any proposal
or prior agreement, oral or written, and any other communications between us. If
there is a conflict between the terms of this Agreement and something stated by
an employee, contractor, or Service Provider of ours, the terms of the Agreement
will prevail. The headings of paragraphs hereof are for convenience only and shall
not control or affect the meaning or construction of any of the provisions of this
Agreement. If any provision of this Agreement is held to be invalid or unenforceable,
such provision shall be struck and the remaining provisions shall be enforced.
Any terms that by their nature should survive, will survive the termination of this
Agreement. In the event of any inconsistency between prior Agreements applicable
to the Navy Federal Mobile and Online Banking Service and this Agreement, this
Agreement shall apply and control. Undefined terms herein shall have the meaning
assigned to them in the Important Disclosures Booklet. This Agreement supplements
the Important Disclosures Booklet. In the event of an inconsistency between the
Important Disclosures Booklet and this Agreement, this Agreement shall govern.
21. No Waiver
We shall not be deemed to have waived any rights or remedies hereunder, unless such
waiver is in writing and signed by one of our authorized representatives. No delay or
omission on our part in exercising any rights or remedies shall operate as a waiver of
such rights or remedies or any other rights or remedies. A waiver on any one occasion
shall not be construed as a bar or waiver of any rights or remedies on future occasions.
22. Assignment
You may not transfer or assign any rights or obligations you have under this Agreement
to any party, person, or entity without our prior written consent, which we may
withhold in our sole discretion. We reserve the right to transfer or assign this
Agreement or any right or obligation under this Agreement at any time to any party.
We may also assign or delegate certain of our rights and responsibilities under this
Agreement to independent contractors or other third parties.
23. Amendments
We may amend this Agreement and any applicable fees and charges for the Services
at any time by posting a revised version on our website, navyfederal.org, or, where
required by law, providing notice to you. The revised version will be effective at the
time it is posted unless a delayed effective date is expressly stated in the revision. Any
use of the Services after a notice of change or after the posting of a revised version of
this Agreement on navyfederal.org will constitute your agreement to such changes
and revised versions. Further, we may, from time to time, revise, update, upgrade,
or enhance the Services and/or related applications or material, which may render
all such prior versions obsolete. Consequently, we reserve the right to terminate this
Agreement as to all such prior versions of the Services, and/or related applications
and material, and limit access to only the Services’ more recent revisions, updates,
upgrades, or enhancements.
13
14
24. Service Cancellation, Termination, or Suspension
If you wish to cancel the Service, you may contact us as set forth in paragraph 10,
“Your Liability for Unauthorized Electronic Funds Transfers,” under ”General Mobile
Banking, Online Banking, and Bill Pay Terms and Conditions” above. Any payment(s)
that has/have begun processing before the requested cancellation date will be
processed by us. All Scheduled Payments (including recurring payments) will not be
processed once the Service is canceled.
You agree that we may terminate or suspend your use of the Service(s) at any time
and for any reason or no reason. Any payment(s) that we have already processed
before the termination or suspension date will be completed by us. All Scheduled
Payments (including recurring payments) will not be processed once the Service(s) is/
are terminated or suspended.
Neither termination nor suspension shall affect your liability or obligations under
this Agreement.
Navy Federal reserves the right to deny access to any one or more account(s) or
to the Service(s) or any part thereof, or to deny the processing of transactions, in
order to prevent or stop fraud or illegal activity or to maintain or restore security
or performance to the Site or any other Navy Federal system. We may do so if we
reasonably believe your account(s) has been or may be used by an unauthorized
person(s) or for fraudulent or illegal activity. We may try to notify you in advance, but
cannot guarantee we will do so.
Navy Federal reserves the right to revoke or refuse Mobile or Online Banking Services.
We may cancel your Mobile or Online Banking Services at any time with or without
written notice to you. For example (and not excluding other examples), if you do not
provide us with your current mailing address and email address, we may cancel your
services until you provide us with your current addresses.
25. Remedies
If we have reason to believe that you have engaged in any of the prohibited or
unauthorized activities described in this Agreement or have otherwise breached your
obligations under this Agreement, we may terminate, suspend, or limit your access
to or use of the Site, the Navy Federal website, and/or the Service(s); notify law
enforcement, regulatory authorities, impacted third parties, and others as we deem
appropriate; refuse to provide our Service(s) to you in the future; and/or take legal
action against you. In addition, we, in our sole discretion, reserve the right to terminate
this Agreement, access to the Site, Navy Federal website, and/or use of the Service(s)
for any reason or no reason and at any time. The remedies contained in this paragraph
are cumulative and are in addition to the other rights and remedies available to us
under this Agreement, by law or otherwise.
26. Indemnification
You agree to defend, indemnify, and hold harmless us and our Affiliates and Service
Providers and their Affiliates and the employees and contractors of each of these,
from any loss, damage, claim, or demand (including attorneys’ fees) made or
incurred by any third party due to or arising out of your breach of this Agreement,
your use of Navy Federal’s mobile app or website, and/or the Services offered
through Mobile or Online Banking.
27. Release
You release us and our Affiliates and Service Providers and the employees and
contractors of each of these, from any and all claims, demands, and damages (actual
and consequential) of every kind and nature arising out of or in any way connected
with any dispute that may arise between you or one or more other users of the Site,
Navy Federal website, or the Service(s). In addition, you waive California Civil Code
§1542, which states that a general release does not extend to claims that the creditor
does not know or suspect to exist in his or her favor at the time of executing the
release, which if not known by him or her, must have materially affected his or her
settlement with the debtor.
28. Relationship to Other Agreements
You agree that when you use Mobile and Online Banking Services, you will remain
subject to the terms and conditions of all existing agreements with our affiliates
and
us. You acknowledge that certain wireless service providers and/or wireless
carriers may assess fees, limitations, and/or restrictions that might impact your
use of Mobile or Online Banking (for example, your mobile service carrier or provider
may impose data usage or text charges for your use of or interaction with Mobile
Banking, including downloading the software, receiving or sending Mobile Banking
text messages, or other use of your wireless device when using the software or other
products and services provided by Mobile Banking). You expressly agree that you are
responsible for all such fees, limitations, and restrictions.
29. Intellectual Property
All marks and logos related to the Service(s) are either trademarks or registered
trademarks of us or our licensors. In addition, all page headers, custom graphics,
button icons, and scripts are our service marks, trademarks, and/or trade dress or
those of our licensors. You may not copy, imitate, or use any of the above without
our prior written consent, which we may withhold in our sole discretion, and you
may not use them in a manner that is disparaging to us or the Service(s) or display
them in any manner that implies our sponsorship or endorsement. All right, title,
and interest in and to the Service(s), that portion of the Navy Federal website and/
or the Site through which the Service(s) is/are offered, the technology related to the
Navy Federal website, the Site and Service(s), and any and all technology and any
content created or derived from any of the foregoing, is our exclusive property or
that of our licensors. Moreover, any suggestions, ideas, notes, drawings, concepts,
or other information you may send to us through or regarding the Navy Federal
website, the Site, or Service(s) shall be considered an uncompensated contribution
of intellectual property to us and our licensors, shall also be deemed our and our
licensors’ exclusive intellectual property, and shall not be subject to any obligation of
confidentiality on our part. By submitting any such materials to us, you automatically
grant (or warrant that the owner of such materials has expressly granted) to us and
our licensors a perpetual, royalty-free, irrevocable, non-exclusive right, and license to
use, reproduce, modify, adapt, publish, translate, publicly perform and display, create
derivative works from, and distribute such materials or incorporate such materials into
any form, medium, or technology now known or later developed, and you warrant that
all so-called “moral rights” in those materials have been waived, and you warrant that
you have the right to make these warranties and transfers of rights.
30. Exclusions of Warranties
THE NAVY FEDERAL WEBSITE, THE SITE AND SERVICE(S), AND RELATED
DOCUMENTATION ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT
WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT
LIMITED TO, THE IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS
FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. IN PARTICULAR, WE DO
NOT GUARANTEE CONTINUOUS, UNINTERRUPTED, OR TIMELY ACCESS TO ANY
PART OF OUR SERVICE(S), AND OPERATION OF THE NAVY FEDERAL WEBSITE AND
THE SITE MAY BE INTERFERED WITH BY NUMEROUS FACTORS. SOME STATES
DO NOT ALLOW THE DISCLAIMER OF CERTAIN IMPLIED WARRANTIES, SO THE
FOREGOING DISCLAIMERS MAY NOT APPLY TO YOU. THIS PARAGRAPH GIVES YOU
SPECIFIC LEGAL RIGHTS, AND YOU MAY ALSO HAVE OTHER LEGAL RIGHTS THAT
VARY FROM STATE TO STATE.
31. Limitation of Liability
THE FOREGOING SHALL CONSTITUTE YOUR EXCLUSIVE REMEDIES AND THE
ENTIRE LIABILITY OF US AND OUR AFFILIATES AND SERVICE PROVIDERS
AND THE EMPLOYEES AND CONTRACTORS OF EACH OF THESE, FOR THE
SERVICE(S) AND THE PORTION OF THE NAVY FEDERAL WEBSITE OR SITE
THROUGH WHICH THE SERVICE(S) IS/ARE OFFERED. YOU ACKNOWLEDGE
AND AGREE THAT FROM TIME TO TIME, THE SERVICE(S) MAY BE DELAYED,
INTERRUPTED, OR DISRUPTED PERIODICALLY FOR AN INDETERMINATE
AMOUNT OF TIME FOR REASONS INCLUDING, BUT NOT LIMITED TO,
ANY INTERRUPTION, DISRUPTION, OR FAILURE IN THE PROVISION OF
THE SERVICE(S), WHETHER CAUSED BY STRIKES, POWER FAILURES,
EQUIPMENT AND SOFTWARE MALFUNCTIONS, INTERNET DISRUPTION, OR
15 16
OTHER REASONS. IN NO EVENT SHALL WE OR OUR AFFILIATES OR SERVICE
PROVIDERS, OR THE EMPLOYEES OR CONTRACTORS OF ANY OF THESE, BE
LIABLE FOR ANY CLAIM ARISING FROM OR RELATED TO THE SERVICE(S)
CAUSED BY OR ARISING OUT OF ANY SUCH DELAY, INTERRUPTION,
DISRUPTION, OR SIMILAR FAILURE. IN NO EVENT SHALL WE OR OUR
AFFILIATES OR SERVICE PROVIDERS, OR THE EMPLOYEES OR CONTRACTORS
OF ANY OF THESE, BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL,
CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING LOSS
OF GOODWILL OR LOST PROFITS (EVEN IF ADVISED OF THE POSSIBILITY
THEREOF) ARISING IN ANY WAY OUT OF THE INSTALLATION, USE, INABILITY
TO USE, OR MAINTENANCE OF THE SERVICE(S) OR THE PORTION OF
NAVY FEDERAL’S WEBSITE OR THE SITE THROUGH WHICH THE SERVICE(S) IS/
ARE OFFERED, EVEN IF SUCH DAMAGES WERE REASONABLY FORESEEABLE
AND NOTICE WAS GIVEN REGARDING THEM. IN NO EVENT SHALL WE OR OUR
AFFILIATES OR SERVICE PROVIDERS, OR THE EMPLOYEES OR CONTRACTORS
OF ANY OF THESE, BE LIABLE FOR ANY CLAIM ARISING FROM OR RELATED
TO THE SERVICE(S) OR THE PORTION OF THE NAVY FEDERAL WEBSITE OR
SITE THROUGH WHICH THE SERVICE(S) IS/ARE OFFERED THAT YOU DO NOT
STATE IN WRITING IN A COMPLAINT FILED IN A COURT PROCEEDING AS
DESCRIBED IN PARAGRAPH 17 ABOVE WITHIN TWO (2) YEARS OF THE DATE
THAT THE EVENT GIVING RISE TO THE CLAIM OCCURRED. THESE LIMITATIONS
WILL APPLY TO ALL CAUSES OF ACTION, WHETHER ARISING FROM BREACH
OF CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL
THEORY. OUR AGGREGATE LIABILITY, AND THE AGGREGATE LIABILITY OF
OUR AFFILIATES AND SERVICE PROVIDERS, AND THE EMPLOYEES AND
CONTRACTORS OF EACH OF THESE, TO YOU AND ANY THIRD PARTY FOR ANY
AND ALL CLAIMS OR OBLIGATIONS RELATING TO THIS AGREEMENT SHALL
BE LIMITED TO DIRECT OUT-OF-POCKET DAMAGES UP TO A MAXIMUM
OF $500 (FIVE HUNDRED DOLLARS). SOME STATES DO NOT ALLOW THE
EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES,
SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU.
C. Mobile Banking Terms and Conditions
This section provides information and the general terms and conditions
for use of Navy Federal’s Mobile Banking Services. You will find definitions
of terms used for Mobile Banking, and a description of this service as
well as describing what you can do using your mobile device.
1. Mobile Banking Definitions
“Eligible Accounts” means accounts that Navy Federal includes in the Mobile
Banking display, and that are permitted to be viewed by you on a Mobile Device.
Some Mobile Banking users, such as joint owners, are prevented from viewing certain
accounts belonging to the primary owner.
“Mobile Device” means a cell phone or electronic handheld device.
“Banking” means using your Mobile Device to view your Navy Federal accounts and
making transactions with the message functionality.
2. Description of Navy Federal Mobile Banking
Navy Federal Mobile Banking refers generally to any service allowing an existing
Navy Federal Member or joint account holder to access and view Eligible Accounts
from a Mobile Device.
3. What Does Navy Federal Mobile Banking Include?
• Navy Federal Mobile Banking includes access through the Navy Federal
app. Mobile Banking allows you to view balances, track recent account activity
for your Eligible Accounts, make funds transfers from your Mobile Device,
and receive alerts for which you have subscribed, as well as other account
actions as permitted and offered by us, including those actions in paragraph
8 in the section “General Mobile Banking, Online Banking, and Bill Pay Terms
and Conditions.”
•
j
Navy Federal offers different ways you may sign in to Mobile Banking beyond
ust using your username and password.
Depending on the features of your
Mobile Device,
you may be able to sign in through various optional biometric
authentication. Biometric authentication is the process of verifying your identity
based on your unique characteristics (biometric information), such as your
fingerprint or face. Biometric authenticators are not obtained or stored by
Navy Federal for access to Mobile Banking.
You can turn these, and any biometric authentication methods that may be offered
in the future, on or off within the Mobile Banking or Mobile Device settings. You
acknowledge that by enabling Mobile Banking access by biometric authentication
methods, anyone who has biometric access (e.g., fingerprint or facial recognition
access) to your device will also be able to sign you in to Mobile Banking and have
access to your personal and payment account information. If you believe someone
has gained unauthorized access to your account or your password has been
stolen, notify us via one of the contact methods listed above.
Although Navy Federal does not share your personal information with
nonaffiliated third-party companies for marketing purposes, we are aware
that you may choose to do so in order to use their services. Please review
our Online Priv
acy Policy
for more information.
You agree that if you give biometric access or make available your password or
credentials to anyone, you are responsible for all actions taken by anyone to
whom you have provided such biometric access or credentials. You also agree
that Navy Federal may revoke Digital Banking access.
• From time to time, Navy Federal may develop additional Mobile Banking
Services. As such Services are developed, you will have the opportunity to
add them to your Navy Federal Mobile Banking Service, provided you have
compatible wireless hardware and software.
D. Bill Pay Terms and Conditions
This section provides information and additional terms and conditions for
use of Navy Federal’s Bill Pay Service. You will find definitions of terms used
for Bill Pay, and provisions that provide you necessary information related to
failed,
returned, or refused transactions; prohibited payments; information
authorization; scheduling payments; guarantee of the service and exceptions to
payments; cancellation and stop payments; electronic bill payments; payment
authorization and initiation of payment instructions; and receiving payments.
1. Bill Pay Definitions
• “Biller” is the person or entity to which you wish a bill payment to be directed
or is the person or entity from which you receive electronic bills (E-Bills), as
the case may be.
• “Billing Account” is your primary checking account from which any Service
fees, excluding the optional Rush Delivery fee, will automatically be debited.
• “Customer Care” represents the customer service provided by the Service
Provider to Navy Federal’s Bill Pay subscribers on Navy Federal’s behalf.
• “Due Date” is the date reflected on your Biller statement for which the
payment is due. It is not the late date or grace period.
• “Payment Account” is the checking account from which bill payments will be
debited. If you use the optional Rush Delivery service, the Rush Delivery fee
will automatically be debited from this account.
• “Payment Instruction” is the information provided by you to the Service for a
bill payment to be made to the Biller (such as, but not limited to, Biller name,
Biller account number, and Scheduled Payment Date).
• “Rush Delivery” is an optional service available with participating Billers that
allows you to initiate payment for immediate processing for an additional fee.
• “Scheduled Payment” is a payment that has been scheduled through the
Service but has not begun processing.
• “Scheduled Payment Date” is the day you want your Biller to receive your bill
payment and is also the day your Payment Account will be debited, unless
17 18
the Scheduled Payment Date falls on a non-Business Day, in which case it
will be considered to be the previous Business Day. Payments with the
optional Rush Delivery service will begin processing immediately.
• “Service” means, in this Bill Pay Terms and Conditions section, Navy Federal’s
Bill Pay Service, offered through our Service Provider(s).
•
“Site” means the portion of Navy Federal’s website, navyfederal.org, or mobile
app through which the Bill Pay Service is offered.
2. Service Providers
We are offering you the Service through one or more Service Providers that we have
engaged to render some or all of the Service to you on our behalf. The Service Provider
will be processing Bill Pay payments and answering questions directly related to such
member-initiated Bill Pay payments. Notwithstanding that we have engaged such a
Service Provider to render some or all of the Service to you, we are the sole party liable
to you for any payments or transfers conducted using the Bill Pay Service. You agree
that we have the right under this Agreement to delegate to Service Providers all the
rights and performance obligations that we have under this Agreement, and that the
Service Providers will be third-party beneficiaries of this Agreement and will be entitled
to all the rights and protections that this Agreement provides to us. Navy Federal, in our
sole discretion, reserves the right to change Bill Pay Service Providers.
The Service Providers are independent contractors for all purposes, except that they
act as your agent with respect to the custody of your funds for the Service. The
Service Providers do not have control of, or liability for, any products or services
that are paid for with the Service. The Service Providers also do not guarantee the
identity of any user of the Service (including, but not limited to, Receivers to whom
you send payments).
3. United States Address
To be enrolled in the Service, you must have a United States mailing address, a FPO or
APO address, or an address in one of the following U.S. territories and/or possessions:
American Samoa, Guam, Marshall Islands, Micronesia, N. Mariana Island, Palau,
Puerto Rico, or the Virgin Islands.
4. Failed or Returned Transactions
In using the Service, you are requesting us to make payments for you from your
Payment Account. If we are unable to complete the withdrawal from your Payment
Account or your Eligible Transaction Account, as the case may be, for any reason
(for example, there are non-sufficient funds in your Payment Account or Eligible
Transaction Account to cover the transaction, or the transaction would exceed the
credit or overdraft protection limit of your Payment Account or Eligible Transaction
Account), the payment may not be made. In some instances, you will receive a return
notice from us. In each such case, you agree that:
• you will reimburse us immediately upon demand for the transaction amount
that has been returned to the Service;
• you will reimburse us immediately upon demand for any transaction amount
paid by the Service;
• we may charge you a non-sufficient funds (NSF) fee in accordance with our
Schedule of Fees and Charges available at navyfederal.org
, even if the
payment is not returned but is paid;
• you will
reimburse us for any fees we incur in attempting to collect the
transaction amount from you that was paid by the Service;
• to recover the transaction amount paid by the Service, we may withdraw the
transaction amount from any share accounts on which you are a primary or
joint owner;
• to recover the transaction amount paid by the Service, we may draw on the
available balance on any line of credit accounts (e.g., CLOC) on which you are
a primary or joint owner;
• we may impose a late charge equal to 1.5% monthly interest or the legal
maximum, whichever rate is lower, for any amounts not reimbursed to us within
fifteen (15) days of the initial demand; and
• we are authorized to report the facts concerning the failed or returned transaction
to any consumer credit reporting agency.
5. Prohibited Payments
The following types of payments are prohibited through the Service, and we have the
right but not the obligation to monitor for, block, cancel, and/or reverse such payments:
a.)
Payments to or from persons or entities located in prohibited territories
(including any territory outside of the United States or its territories);
b.) Payments that violate any law, statute, ordinance, or regulation;
c.) Payments that violate the Acceptable Use terms in paragraph 6 below;
d.) Payments related to: (1) tobacco products, (2) prescription drugs and devices;
(3) narcotics, steroids, controlled substances, or other products that present a
risk to consumer safety; (4) drug paraphernalia; (5) ammunition, firearms, or
firearm parts or related accessories; (6) weapons or knives regulated under
applicable law; (7) goods or services that encourage, promote, facilitate, or
instruct others to engage in illegal activity; (8) goods or services that are
sexually oriented; (9) goods or services that promote hate, violence, racial
intolerance, or the financial exploitation of a crime; (10) goods or services that
defame, abuse, harass, or threaten others; (11) goods or services that include
any language or images that are bigoted, hateful, racially offensive, vulgar,
obscene, indecent, or discourteous; (12) goods or services that advertise or
sell to, or solicit others; or (13) goods or services that infringe or violate any
copyright, trademark, right of publicity or privacy, or any other proprietary right
under the laws of any jurisdiction;
e.) Payments related to gambling, gaming, and/or any other activity with an entry
fee and a prize, including, but not limited to, casino games, sports betting, horse
or greyhound racing, lottery tickets, other ventures that facilitate gambling,
games of skill (whether or not it is legally defined as a lottery), and sweepstakes;
f.) Payments relating to transactions that (1) support pyramid or Ponzi schemes,
matrix programs, other “get rich quick” schemes, or multi-level marketing
programs, (2) are associated with purchases of real property, annuities or lottery
contracts, lay-away systems, off-shore banking, or transactions to finance or
refinance debts funded by a credit card, (3) are for the sale of items before the
seller has control or possession of the item, (4) constitute money-laundering
or terrorist financing, (5) are associated with the following “money service
business” activities: the sale of traveler’s checks or money orders, currency
dealers or exchanges, or check cashing, or (6) provide credit repair or debt
settlement services;
g.) Tax payments and court-ordered payments.
In addition to the above-referenced prohibited payments, we may also block and/
or reverse payments that involve donations or payments to an unauthorized charity
or non-profit organization, unless we have performed appropriate due diligence on
and investigation of such charity or non-profit organization and have determined its
legitimacy, in our sole discretion. In no event shall we or our Service Providers be liable
for any claims or damages resulting from your scheduling of prohibited payments.
We have no obligation to research or resolve any claim resulting from a prohibited
payment. All research and resolution for any misapplied, misposted, or misdirected
prohibited payments will be your sole responsibility and not ours. We encourage you
to provide notice to us by the methods described in paragraph 7 of this “Bill Pay Terms
and Conditions” section of any violations of this paragraph or the Agreement generally.
6. Acceptable Use
You agree that you are independently responsible for complying with all applicable
laws in all your activities related to your use of the Service(s), regardless of the
purpose of the use, and for all communications you send through the Service(s).
We and our Service Providers have the right but not the obligation to monitor
and remove communications content that we find in our sole discretion to be
objectionable in any way. In addition, you are prohibited from using the Service(s)
for communications or activities that: (a) violate any law, statute, ordinance, or
regulation; (b) promote hate, violence, racial intolerance, or the financial exploitation
of a crime; (c) defame, abuse, harass, or threaten others; (d) include any language
or images that are bigoted, hateful, racially offensive, vulgar, obscene, indecent, or
19 20
discourteous; (e) infringe or violate any copyright, trademark, right of publicity or
privacy, or any other proprietary right under the laws of any jurisdiction; (f) impose
an unreasonable or disproportionately large load on our infrastructure; (g) facilitate
any viruses, Trojan horses, worms, or other computer programming routines that
may damage, detrimentally interfere with, surreptitiously intercept, or expropriate
any system, data, or information; (h) constitute use of any robot, spider, other
automatic device, or manual process to monitor or copy the Service or the portion
of the Site through which the Service is offered without our prior written permission;
(i) constitute use of any device, software, or routine to bypass technology protecting
the Site or Service(s), or interfere or attempt to interfere, with the Site or Service(s);
or (j) may cause us or our Service Providers to lose any of the services from our
Internet Service Providers, payment processors, or other vendors. We encourage you
to provide notice to us by the methods described in paragraph 7 of this “Bill Pay Terms
and Conditions” section of any violations of this paragraph or the Agreement generally.
7. Questions Regarding the Service
If you have questions about the Service or your transactions, you may contact us via
one of the following:
• Telephone us toll-free at 1-888-560-8031 or dial direct at 1-614-564-3878
during the Service Provider’s hours
• Contact us by using the Service’s eMessaging feature
• Write us at: Navy Federal Credit Union, Attn: Account Servicing, P.O. Box
182477, Columbus, OH 43218-2477
8. Notices to Us Regarding the Service
Notices to us concerning the Service must be sent by postal mail to:
Navy Federal Credit Union
Attn: Account Servicing
P.O. Box 182477
Columbus, OH 43218-2477
We may also be reached toll-free at 1-888-560-8031 or dial direct at 1-614-564-
3878 for questions and other purposes concerning the Service. We will act on your
telephone calls as described in paragraph 11, “In Case of Errors or Questions About
Your Electronic Transfers,” in the “General Mobile Banking, Online Banking, and Bill
Pay Terms and Conditions” section above, but otherwise, such telephone calls will
not constitute legal notices under this Agreement.
9. Notices to You
You agree that we may provide notice to you by sending it to you through the
Navy Federal Online eMessage system, by sending you an in-product message within
the Site, by emailing it to an email address that you have provided us, by mailing it
to any postal address that you have provided us, or by sending it as a text message
to any mobile phone number that you have provided us. For example, you may
receive certain notices (such as notices of processed Payment Instructions, alerts
for validation, and notices of receipt of payments) as text messages on your mobile
phone. All notices by any of these methods shall be deemed received by you no later
than twenty-four (24) hours after they are sent or posted, except for notice by postal
mail, which shall be deemed received by you no later than three (3) Business Days
after it is mailed.
10. Privacy of Others
If you receive information about another person through the Service, you agree to
keep the information confidential and only use it in connection with the Service.
11. Receipts and Transaction History
You may view your Bill Pay transaction history by logging into the Service and looking
at your transaction history. You agree to review your transactions by this method
instead of receiving receipts by mail.
12. Mobile Phone Users
Your phone service provider is not the provider of the Service. Users of the Service
will receive text messages relating to their Payment Instructions and other notices
from time to time if a mobile phone number is provided. Data and messaging charges
from your telecommunications provider may apply, and you are responsible for any
such charges. In the event your enrolled mobile device is lost or stolen, you agree
to update your enrollment information and make the appropriate changes to disable
the use of such device. You understand that there are risks associated with using
a mobile device, and that in the event of theft or loss, your confidential information
could be compromised.
13. Information Authorization
Your enrollment in the Service may not be fulfilled if we or the Service cannot verify
your identity or other necessary information. For Bill Pay, in order to verify ownership
of the Payment Account(s) and/or Billing Account, the Service may issue offsetting
debits and credits to the Payment Account(s) and/or Billing Account, and require
confirmation of such from you. Through your enrollment in the Service, you agree that
we or the Service reserve the right to request a review of your credit rating at our or
its own expense through an authorized bureau. In addition, and in accordance with
our Privacy Policy, you agree that we reserve the right to obtain personal information
about you, including (without limitation) financial information and transaction history
regarding your Payment Account or Eligible Transaction Account. In addition, you
agree that the Service reserves the right to obtain financial information regarding
your account from a Biller or your financial institution (for example, to resolve payment
posting problems or for verification). You further understand and agree that we reserve
the right to use personal information about you for our and our Service Providers’
everyday business purposes, such as to maintain your ability to access the Service,
to authenticate you when you log in, to send you information about the Service, to
perform fraud screening, to verify your identity, to determine your transaction limits,
to perform collections, to comply with laws, regulations, court orders, and lawful
instructions from government agencies, to protect the personal safety of subscribers
or the public, to defend claims, to resolve disputes, to troubleshoot problems, to
enforce this Agreement, to protect our rights and property, and to customize, measure,
and improve the Service and the content and layout of the Navy Federal website and
the Site. Additionally, we and our Service Providers may use your information for risk
management purposes and may use, store, and disclose your information acquired
in connection with this Agreement as permitted by law, including (without limitation)
any use to effect, administer, or enforce a transaction or to protect against or prevent
actual or potential fraud, unauthorized transactions, claims, or other liability. We and
our Service Providers shall have the right to retain such data even after termination
or expiration of this Agreement for risk management, regulatory compliance, audit
compliance, and audit reasons, and as permitted by applicable law for everyday
business purposes. In addition, we and our Service Providers may use, store, and
disclose such information acquired in connection with the Service in statistical form
for pattern recognition, modeling, enhancement and improvement, and system
analysis, and to analyze the performance of the Service.
14. Charges or Fees
The Bill Pay service is provided to you at no cost. Charges for other transactions
and optional services (e.g., non-sufficient funds, stop payment, or overdraft
fees), as well as the fee associated with the optional Rush Delivery service, are
specified in Navy Federal’s Schedule of Fees and Charges, which can be found at
navyfederal.org
.
Y
ou agree to pay such fees and charges, and authorize the Service to charge your
designated Billing Account for these amounts and any additional charges that may be
incurred by you. Any fees associated with your share or loan accounts will continue
to apply. You are responsible for any and all telephone access fees or internet service
fees that may be assessed by your telephone utility and/or internet service provider.
15. Banking Changes
You can update your choice of Payment Account within the Service, but any changes
to your Billing Account must be made by calling Navy Federal at 1-888-842-6328.
All changes made are effective immediately for scheduled and future payments paid
from the updated Payment Account information. The Service is not responsible for any
payment processing errors or fees incurred if you do not provide accurate Payment
Account information, contact information, or payment instructions.
21 22
16. Bill Payment Scheduling
The earliest possible Scheduled Payment Date for each Biller (typically four (4) or
fewer Business Days from the current date) will be designated within the application
when you are scheduling the payment. Therefore, the application will not permit you
to select a Scheduled Payment Date earlier than the earliest possible Scheduled
Payment Date designated for each Biller. When scheduling payments, you must select
a Scheduled Payment Date that is no later than the actual Due Date reflected on your
Biller statement, unless the Due Date falls on a non-Business Day. If the actual Due
Date falls on a non-Business Day, you must select a Scheduled Payment Date that is
at least one (1) Business Day before the actual Due Date. Scheduled Payment Dates
should be prior to any late date or grace period.
Please note: While you can make payments to your Navy Federal loan accounts using
the Service, you can also make payments using the transfer payment option on the
Navy Federal Online Banking service at no charge.
Rush Delivery: In order for a Rush Delivery payment to be processed the same day,
it must be initiated on a Business Day and prior to the Biller’s cutoff time. Cutoff
times vary by Biller. If Rush Delivery is not available for an intended Biller, if you
have missed the Biller’s cutoff time for that day, or if you attempt to submit a Rush
Delivery payment on a non-Business Day, it will not be presented as an option to you.
17. The Service Guarantee
Due to circumstances beyond the control of the Service, particularly delays in handling
and posting payments by Billers or financial institutions, some transactions may take
longer to be credited to your account. The Service will bear responsibility for any late
payment-related charges up to $50.00 should a payment post after its Due Date,
as long as the payment was scheduled in accordance with the guidelines described
under “Bill Payment Scheduling” in this Agreement.
18. Exception Payments
Tax payments and court-ordered payments may be scheduled through the Service;
however, such payments are discouraged and are scheduled at your own risk. In
no event shall the Service be liable for any claims or damages resulting from your
scheduling of these types of payments. The Service Guarantee as it applies to any
late payment-related charges is void when these types of payments are scheduled
and/or processed by the Service. The Service has no obligation to research or
resolve any claim resulting from an exception payment. All research and resolution
for any misapplied or misdirected payments will be the sole responsibility of you
and not of the Service.
19. Payment Authorization and Payment Remittance
By providing the Service with names and account information of Billers to whom you
wish to direct payments, you authorize the Service to follow the Payment Instructions
that it receives through the payment system. In order to process payments more
efficiently and effectively, the Service may edit or alter payment data or data formats
in accordance with Biller directives.
When the Service receives a Payment Instruction, you authorize the Service to debit
your Payment Account and remit funds on your behalf so that the funds arrive as close
as reasonably possible to the Scheduled Payment Date designated by you. You also
authorize the Service to credit your Payment Account for payments returned to the
Service by the United States Postal Service or Biller, or payments remitted to you on
behalf of another authorized user of the Service.
For electronic payments and corporate checks, the payment amount will be debited
from or charged to your Payment Account on the Scheduled Payment Date. For draft
payments (e.g., checks issued from your Payment Account), funds are deducted from
your Payment Account when the check is presented to us for payment that may occur
before, on, or after the Scheduled Payment Date. Since we cannot predict the exact
date that a check will be presented to us for payment, please make sure you have
sufficient funds in your Payment Account beginning a few days before your Scheduled
Payment Date and keep such funds available until the payment is deducted from your
Payment Account.
If you choose the optional “Rush Delivery” service, you authorize the Service to
debit your Payment Account the same day, with the additional fee charged for Rush
Delivery. Please refer to the Schedule of Fees and Charges at navyfederal.org.
20. Payment Methods
The Service reserves the right to select the method in which to remit funds on your
behalf to your Biller. These payment methods may include, but may not be limited
to, an electronic payment, an electronic-to-check payment, or a laser draft payment
(funds remitted to the Biller are deducted from your Payment Account when the laser
draft is presented to your financial institution for payment).
21. Payment Cancellation Requests
You may cancel or edit any Scheduled Payment, including recurring payments,
but excluding “Rush Delivery” payment orders, by following the directions within
the application. There is no charge for canceling or editing a Scheduled Payment.
Once the Service has begun processing a payment, it cannot be canceled or edited.
Therefore, a stop payment request must be submitted.
The “Rush Delivery” service results in immediate processing of your payment, and
cannot be modified or canceled once submitted.
22. Stop Payment Requests
The Service’s ability to process a stop payment request will depend on the payment
method and whether or not a check has cleared. The Service may also not have a
reasonable opportunity to act on any stop payment request after a payment has been
processed. If you desire to stop any payment that has already been processed, you
must contact Bill Pay Customer Care, offered through our Service Provider. Although
the Service will make every effort to accommodate your request, the Service will
have no liability for failing to do so. The Service may also require you to present your
request in writing within fourteen (14) days. Please refer to the Schedule of Fees
and Charges, which can be found on the Navy Federal website (navyfederal.org
).
A stop payment request cannot be submitted for
“Rush Delivery.”
23. Electronic Bill (E-Bill) Delivery and Presentment
This feature is for the presentment of electronic bills (E-Bills) only, and it is your sole
responsibility to contact your Billers directly if you do not receive your statements. In
addition, if you elect to activate one of the Service’s electronic bill options, you also
agree to the following:
a.) Information provided to the Biller—The Service is unable to update or change
your personal information such as, but not limited to, name, address, phone
numbers, and email addresses with the electronic Biller. Any changes will need
to be made by contacting the Biller directly. Additionally, it is your responsibility
to maintain all usernames and passwords for all electronic Biller sites. You also
agree not to use someone else’s information to gain unauthorized access to
another person’s bill. The Service may, at the request of the Biller, provide to the
Biller your email address, service address, or other data specifically requested
by the Biller at the time of activating the electronic bill for that Biller, for the
purposes of the Biller informing you about Service and/or bill information.
b.)
Activation—Upon activation of the electronic bill feature, the Service may
notify the Biller of your request to receive electronic billing information. The
presentment of your first electronic bill may vary from Biller to Biller and
may take up to sixty (60) days, depending on the billing cycle of each Biller.
Additionally, the ability to receive a paper copy of your statement(s) is at the
sole discretion of the Biller. While your electronic bill feature is being activated,
it is your responsibility to keep your accounts current. Each electronic Biller
reserves the right to accept or deny your request to receive electronic bills.
c.) Authorization to obtain bill data—Your activation of the electronic bill feature for
a Biller shall be deemed by us to be your authorization for us to obtain bill data
from the Biller on your behalf. For some Billers, you will be asked to provide
us with your username and password for that Biller. By providing us with such
information, you authorize us to use the information to obtain your bill data.
d.) Notification—The Service will use its best efforts to present all your electronic
bills promptly. In addition to notification within the Service, the Service may send
an email notification to the email address listed for your account. It is your sole
23
responsibility to ensure that this information is accurate. In the event you do not
receive notification, it is your responsibility to periodically log in to the Service and
check on the delivery of new electronic bills. The time for notification may vary
from Biller to Biller. You are responsible for ensuring timely payment of all bills.
e.) Cancellation of electronic bill notification—The electronic Biller reserves the
right to cancel the presentment of electronic bills at any time. You may cancel
electronic bill presentment at any time. The timeframe for cancellation of your
electronic bill presentment may vary from Biller to Biller. It may take up to sixty
(60) days, depending on the billing cycle of each Biller. The Service will notify
your electronic Biller(s) as to the change in status of your account, and it is your
sole responsibility to make arrangements for an alternative form of bill delivery.
The Service will not be responsible for presenting any electronic bills that are
already in process at the time of cancellation.
f.) Non-delivery of electronic bill(s)—You agree to hold the Service harmless
should the Biller fail to deliver your statement(s). You are responsible for
ensuring timely payment of all bills. Copies of previously delivered bills must
be requested from the Biller directly.
g.) Accuracy and dispute of electronic bill—The Service is not responsible for
the accuracy of your electronic bill(s). The Service is only responsible for
presenting the information we receive from the Biller. Any discrepancies or
disputes regarding the accuracy of your electronic bill summary or detail must
be addressed with the Biller directly.
This Agreement does not alter your liability or obligations that currently exist between
you and your Billers.
24. Biller Limitation
The Service reserves the right to refuse to pay any Biller to whom you may direct a
payment. The Service will notify you promptly if it decides to refuse to pay a Biller
designated by you. This notification is not required if you attempt to make a prohibited
payment or an exception payment under this Agreement.
25.
Returned Payments
In using the Service, you understand that Billers and/or the United States Postal
Service may return payments to the Service for various reasons such as, but not
limited to: Biller’s forwarding address expired; Biller account number is not valid; Biller
is unable to locate account; or Biller account is paid in full. The Service will use its
best efforts to research and correct the returned payment and return it to your Biller,
or void the payment and credit your Payment Account. You may receive notification
from the Service.
By clicking or tapping “OK,” you confirm:
1.) you have read and agree to the ESIGN Member Consent to Use Electronic
Signatures and Documents;
2.) you have read and agree to the Mobile Banking, Online Banking, and Bill Pay
Terms and Conditions;
3.) you consent to receive disclosures and other related notices electronically in
connection with Mobile and Online Banking and you have the ability to view,
save, or print PDF files on your internet access device; and
4.) you have access to Navy Federal Mobile and Online Banking with an ISP and
are able to send and receive email.
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Membership Application for a Minor (Navy Federal Credit Union)

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Completed 5 February 2021

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