Self-Enrollment Disclosure
 HOME BANKING DISCLOSURE AGREEMENT

Please read the disclosure in full and click on "I agree" to self enroll in Home Banking.


Electronic Signature:
I consent and confirm that my Internet Home Banking login and password that I used to access the Internet Home Banking service constitute my signature, acceptance and agreement to the terms and conditions provided below, as if actually signed by me in writing. Further, I agree that no certification authority or other third party verification is necessary to the validity of my electronic signature. I agree that the lack of such certification or third party verification will not in any way affect the enforceability of my signature or any resulting contract between me and the Credit Union. Online Services
To use Internet Home Banking you must select a Home Banking password, hereafter referred to as your Personal Identification Number (PIN) in order to access your account. You must obtain a separate PIN for each account. If there is a joint owner on your account, the joint owner may request online service and a PIN if one has not already been assigned to the account. With The Home Banking Online service, you can access your account from any personal computer with Internet access. In addition, within Home Banking Online, you may sign up for Bill Payment service, electronic access to monthly or quarterly statements.

Electronic Records Consent Agreement: By selecting this service you agree to be bound by the terms and conditions of this Agreement. Florida State University Credit Union (“Credit Union” or “we”) may modify this Agreement from time to time in its sole discretion, and such modifications shall be effective immediately upon delivery to you in either electronic or paper format.

You specifically consent and agree that we may provide all disclosures, agreements, contracts, periodic statements, receipts, modifications, amendments, and all other evidence of our transactions with you or on your behalf electronically (hereinafter all such documentation is referred to as "electronic record(s)"). You understand that electronic records may include information about your and your account, including, but not limited to, your name, address, account numbers, check numbers and balance information. We may provide you any or all electronic records at the e-mail address provided to us by you or we may post any or all electronic records at our website www.fsucu.org. If we post electronic records on our website, we will send a message to your e-mail address alerting you of the posting of such records and disclosing the affected account(s). If we post electronic records on our website, the electronic records will remain available for at least ninety (90) days. We reserve the right to send any or all records to you in paper form to your current postal mailing address in our file.

You have a right to receive a paper copy of any of these electronic records if applicable law specifically requires us to provide such documentation. You may withdraw your consent and revoke your agreement to receive records electronically. To request a paper copy or to withdraw your consent and agreement to receive electronic records, write us at: PO BOX 182499, Tallahassee, FL 32318. A fee to cancel this service or to request paper copies of these electronic records may be imposed as set forth in your Fee Schedule.

EXCLUSION OF WARRANTIES. CREDIT UNION IS PROVIDING ELECTRONIC RECORDS "AS IS" WITHOUT ANY WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON INFRINGEMENT AND TITLE. CREDIT UNION DOES NOT WARRANT THAT ELECTRONIC RECORDS ARE ERROR-FREE, OR THAT ACCESS TO AND USE OF ELECTRONIC RECORDS WILL BE UNINTERRUPTED OR ERROR-FREE.

LIMITATION OF LIABILITY. IN NO EVENT SHALL CREDIT UNION BE LIABLE FOR ANY DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGES) ARISING OUT OF THE DELIVERY, PERFORMANCE, OR USE OF ELECTRONIC RECORDS, WHETHER INCURRED BY YOU OR ANY THIRD PARTY, EVEN IF CREDIT UNION HAS BEEN ADVISED OR MAY OTHERWISE KNOW OF THE POSSIBILITY OF SUCH DAMAGES. IF ANY LIABILITY IS IMPOSED ON CREDIT UNION, CREDIT UNION’S TOTAL LIABILITY TO YOU OR ANY THIRD PARTY SHALL NOT EXCEED THE AMOUNT YOU PAID FOR ELECTRONIC RECORDS. THE FOREGOING SHALL CONSTITUTE CREDIT UNION’S ENTIRE LIABILITY AND YOUR EXCLUSIVE REMEDY HEREUNDER. Some jurisdictions prohibit exclusion or limitation of liability for implied warranties or consequential or incidental damages, so the above limitation may not apply to you. You may also have other legal rights that vary from jurisdiction to jurisdiction.

You may not assign this Agreement to any other party. Credit Union may assign this Agreement in its sole discretion without your consent. Credit Union may also, in its sole discretion and without your consent, assign or delegate certain of its rights and responsibilities under this Agreement to independent contractors or other third parties.

This Agreement is governed and shall be construed in accordance with the laws of the State of Florida, excluding its choice of law rules. In the event legal action is necessary to enforce this Agreement, the prevailing party has the right to payment by the other party of reasonable attorney’s fees and costs, including any appeal and post-judgment actions, as applicable. Except as prohibited by applicable law, you and Credit Union agree that such legal action shall be filed and heard in Leon County, Florida. Any disputes regarding this Agreement shall be within the jurisdiction of the courts of Leon County, Florida. Failure or delay in enforcing any right or provision of this agreement shall not be deemed a waiver of such provision or right with respect to any subsequent breach or a continuance of an existing breach. If any provision of this Agreement shall be held to be unenforceable, that provision will be enforced to the maximum extent possible, and the remaining provisions of this Agreement will remain in full force and effect.

Equipment and Software Requirements: To receive electronic records, you need a computer with an active internet/email account and internet access; in addition, you may also need a PDF viewer to view certain documents or disclosures. By requesting any electronic funds transfers, internet banking, other electronic records, services or transactions, by submitting any application or agreement to us electronically or by e-mailing us, you represent that you have such equipment and software and that you can download, access, read, review, print and store the electronic records we provide to you.

"E-mail" Communication: You acknowledge and agree that the Internet is considered inherently insecure. Therefore, you agree that we have no liability to you whatsoever for any loss, claim or damages arising or in any way related to our response(s) to any e-mail or other electronic communication which we in good faith believe you have submitted to us. We have no duty to investigate the validity or to verify any e-mail or other electronic communication. We may respond to an e-mail communication provided by you to either the address provided with the communication or the e-mail address set forth below.

Any e-mail returned to us as undelivered may be re-sent to you at any other e-mail address that we have in your file, unless you have previously informed us through electronic or written notice that an e-mail address is no longer valid.

Although we have no obligation to do so, we reserve the right to require authentication of e-mails or electronic communications. The decision to require authentication is in the sole discretion of the Credit Union. We will have no obligation, liability or responsibility to you or any other person or company if we do not act upon or follow any instruction to us if a communication cannot be authenticated to our satisfaction.

Electronic Fund Transfers: The following terms and conditions will govern all electronic fund transfers initiated by you or anyone else you have given access to your Accounts, whether by telephone, automated teller machine, ACH network or any other electronic means. You agree to be responsible for all unauthorized Electronic Funds Transfers made from your Account(s) subject to limitations contained in applicable regulations and Federal law. Those limitations on your liability for unauthorized transfers are summarized in the Electronic Fund Transfers Disclosure Statement. You agree that any ATM Card issued to you remain our property and may not be transferred or assigned to anyone. Upon our request, you agree to return your ATM Card(s) to us. We may terminate access to electronic fund transfers or cancel your access devices at any time. Upon such termination, we shall give you notice of termination. The devices may not be used after we cancel them or after they have expired. If we do cancel, you agree to send back your Card(s) to Florida State University Credit Union, P.O. Box 182499, Tallahassee, FL 32318, and give written notice to us. Access to electronic fund transfers may be terminated by you by giving us written notice and returning the Card(s) to us. Termination of the access shall not affect the liability you incurred prior to termination. You must keep your applicable Account(s) open in order for your access to electronic fund transfers to remain valid. You agree to pay the charges shown on any applicable Fee Schedule and any future charges that may be approved by our Board of Directors for the use of electronic fund transfers. You authorize us to take any such fees from any Account in which you have an ownership interest or the right to withdraw funds. We believe that the various means of access to electronic fund transfers will prove to be reliable. However, certain means may not operate properly at all times. We, therefore, may not promise that our systems will always be available for your use. You promise not to attempt to make a transfer when a system tells you or other circumstances give you a reason to believe that the system is closed or is not operating properly due to a technical malfunction or is otherwise unable to make the transfer you desire. You agree that if we notice that your Account(s) are being used more frequently than usual, or are having larger amounts withdrawn than are usually withdrawn, we may try to contact you to verify that the access to the electronic fund transfers has not fallen into the hands of an unauthorized user. If we do not reach you, we may, in order to attempt avoidance against possible losses, choose to invalidate your access device the next time it is used. If we do, in fact, invalidate the access device, it may be revalidated. Contact us for the particulars involved in revalidating the device. However, you understand that we have no obligation to keep up with how the Account is usually used or to notify you if we notice unusual activity. To initiate transactions via an ATM Card or telephone response system, you must have a personal identification number (PIN). You agree not to tell the PIN to anyone, not to write the PIN on your Card or do anything else that would cause the Card or PIN to fall into the wrong hands. You agree also to tell us at once if you believe the Card or PIN has been stolen or lost. The fastest way to notify us is by calling (850) 224-4960 or toll free 1-877-463-7828. You agree that we are not responsible for providing security guards or other security measures at various ATM terminals. If you make a transfer, deposit or payment at a terminal, you agree that the correct amount in the event of discrepancy between a written receipt or deposit slip will be the amount that we find in the envelope used to make the transaction. You agree that each transaction completed during normal Credit Union business hours will be posted immediately to your Account; transactions received after our normal business hours will be posted our next regular business day. You further agree that credit to Accounts for non-cash Items will be conditional until we collect the Item. If we cannot collect the amount of a non-cash Item, that amount will be deducted from your Account. You agree that the electronic fund transfer system shall be used only for the type of transfers and to have access only to the Accounts that we in advance have approved. If through some error you are permitted to withdraw funds from an Account that you should not be allowed to use, we may charge the amount involved to an Account for which you can use our electronic fund transfer system. Except as changed by this Agreement, electronic fund transfers made by use of the Card and PIN are subject to the rules and regulations contained in your account agreements, Signature Cards and other rules and regulations for your Accounts and those rules and regulations are made a part of this Agreement. If we are forced to institute suit against you as a result of a breach by you in this Agreement or as a result of an overdraft, you agree to pay reasonable attorneys' fees plus other costs if the amount of the debt exceeds $300.00. In addition to the terms and conditions listed above, you agree that the accompanying Electronic Fund Transfers Disclosure Statement shall cover electronic fund transfers made by you. This Agreement and all transactions under this Agreement are governed by Florida law and applicable Federal law.

Electronic Fund Transfers Disclosure Statement: YOUR ACCESS DEVICE AND ELECTRONIC FUND TRANSFERS: YOU CANNOT TRANSFER MONEY INTO OR OUT OF YOUR ACCOUNT UNTIL WE HAVE VALIDATED YOUR USE OF OUR ELECTRONIC FUND TRANSFER SYSTEM. To validate your ATM card or to access to our audio and digital response systems Call 24 and/or Personal Branch Remote Access Service (Personal Branch), you need to visit our office and obtain your personal identification number (PIN). When we issue you a PIN, the system will accept the use of your access devices.

ACCOUNT ACCESS: The following types of transactions may be made with your Accounts:

  • Pre-authorized deposits made directly from other persons into your Account(s)
  • Pre-authorized charges paid to other persons from your Account(s)
  • Deposits, transfers, withdrawals, and loan advances


Your ATM card may be used at any ATM location providing access to the CU 24, Honor, Presto and Cirrus ATM networks. Additional networks may be added at some later date. You will be notified of any additions by us. When used with your PIN, the ATM card will allow you to initiate any of the following transactions, provided the Accounts have been authorized for use. You may make:
  • Deposits to Shares
  • Deposits to Share Draft
  • Cash Withdrawals from Shares
  • Cash Withdrawals from Share Draft
  • Transfers from Share to Share Draft
  • Transfers from Share Draft to Share
  • Obtain information about your Share and Share Draft Account Balances Provided your Account(s) have been authorized for use, or your PIN may be used with any TouchTone® telephone to access Call24 and/or Personal Branch to initiate any of the following transactions:
  • Transfers from Account suffixes: 0,1,2,3,4,5,6,7,8 to Account suffixes: 1,2,3,4,5,6,7,8,9.
  • Make advances on an approved line of credit for transfer to Account suffixes: 0,1,2,3,4,5,6,7,8,9.
  • Transfer funds from Account suffixes: 0,5,7,8 to make periodic loan payments to us or to reduce a loan balance with us.
  • Obtain balance inquiries on Account suffixes 0,1,2,3,4,5,6,7,8,9 and loans with us.
  • Obtain transaction history from Account suffixes: 0,1,2,3,4,5,6,7,8,9 and on loans with us. On Personal Branch, you may also download these histories to your own computer with compatible software.
  • Make withdrawals from Account suffixes 0,5,7,8 via check payable to the Primary Account owner and mailed to your last known address.
  • Change you PIN.


If you apply for Personal BillPayer, you may use your PIN with Personal Branch or Web Personal Branch to allow you to initiate any of the following transactions, provided the accounts have been authorized for use. You may:
  • Request that bills be paid from Account suffix 8. Subject to our approval, you may make written request to pay bills from an Account suffix other than 8.
  • Inquire about the status of bills to be paid and the status of bills already paid.


LIMITATION ON FREQUENCY OF TRANSFERS: For security reasons, there are limits on the number of transfers you can make using our systems. Use of our systems will be restricted if you are in default in the payment of any loan account with us. LIMITATION ON DOLLAR AMOUNTS OF TRANSFERS: For security reasons, there are limits on the dollar amount of transfers you can make using our systems. BUSINESS DAYS: Our business days are Monday through Friday. Holidays are not included. Of course, the systems are open at times other than the business days of our credit union. SUMMARY OF YOUR LIABILITY FOR UNAUTHORIZED TRANSFERS: In General: Tell us AT ONCE if you believe your card or PIN has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your Accounts (plus your maximum overdraft line of credit and open end credit). If you tell us within 2 business days, you can lose no more than $50.00 if someone used your card or PIN without your permission. If you believe your card or PIN has been lost or stolen, and you tell us within 2 business days after you learn of the loss or theft, you can lose no more than $50.00 if someone used your card or PIN without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your card or PIN, and we can prove we could have stopped someone from using your card or PIN without your permission if you had told us, you could lose as much as $500.00. Also, if your Statement shows transfers that you did not make, tell us at once. If you do not tell us within 60 days after the Statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

ELECTRONIC CHECK OR DRAFT TRANSACTIONS: Your check or draft can result in electronic fund transfers. When paying for goods or services, you may authorize a merchant to convert your check or draft into an electronic fund transfer. You may also authorize a merchant to electronically collect a fee for the return of a check or draft for insufficient funds. The merchant is required to provide you notice of each of the above transactions. Each of the above transactions will be considered an electronic fun transfer.

Home Banking Online is a service for our members. However, the privileges given under this service may be canceled at any time. You may use this service at any time, seven days a week. There might be some downtime. You are allowed only six (6) transfers by automatic overdraft, telephone transfers, personal computer transfers or preauthorized debits per month from your Regular Shares or Money Market shares under the same account. You may transfer any available balance, unless limited under another agreement.

The Credit Union reserves the right to refuse any transaction that would draw upon insufficient funds, lower an account below a required balance, or exceed the allowable number of transfers.

Use Online Home Banking to:
You can access your Credit Union accounts and process transactions 24 hours a day, seven days a week. Through Home Banking Online you can:

  • Make inquiries of your credit union deposit accounts, loan accounts, credit card activity, and mortgage
  • Check account balances.
  • Transfer funds between your checking, regular shares, money market shares, minor shares, or loan accounts.
  • Setup and receive on-line periodic statements by clicking on the e-Statement Selection Button.
  • Make check inquiries and view copies of your checks.
  • Place stop payment orders.
  • Customize - Change your Home Banking Online PIN and your e-mail address registered with us.
  • Request additional services, such as: change of address, change Audio Response PIN, set up automatic transfers between Home Banking accounts, automatic transfer to pay Home Banking loans, and automatic transfer to pay VISA.
  • Open additional share accounts, under your existing account structure in which you have provided us with a signed membership agreement.


By clicking the "I Agree" button below and continuing to online banking, you agree to these terms and conditions.