Disclosures/Policies

First Northern Online Agreement and Disclosure

This Agreement between you and First Northern Credit Union ("we" or "us") contains the terms, conditions and disclosures for First Northern OnLine Services for which you have applied. First Northern OnLine operates through your deposit accounts, loans, lines of credit and credit cards with us, and you are subject to the rules and regulations governing the general use of those accounts. If you use these services to borrow from an existing line of credit you have with us, any borrowing will be made under the terms previously disclosed to you.

You will need to use certain types of computers, obtain an internet account, and use compliant browser software to use First Northern OnLine. The installation, maintenance, and operation of those items are your responsibility. We are not responsible for any errors or failures of your computer equipment or internet connection software. First Northern OnLine can be used at any time day or night. However, certain computer maintenance or malfunctions may make it unavailable at times.

Joint Accounts: If any of your accounts accessed under this Agreement are joint accounts, all joint owners, including any authorized users, shall be bound by the Agreement, and alone and together will be responsible for all transactions to or from any savings, checking, line of credit, or VISA(s) accounts as provided in this Agreement. Each joint owner, without the consent of any other account owner, may and hereby is authorized by every other joint owner, to make any transaction permitted under this Agreement. Each joint owner will have access to the member's VISA(s) account information even though the VISA(s) may have been processed in the member's name only.

I. Services Offered
A. Online Banking. You may perform the following functions with your accounts using First Northern OnLine:

  1. Obtain account balances and transaction information for your designated accounts.
  2. Transfer funds within your own account or to another account you have access to.
  3. Obtain statements of your account online.
  4. Access VISA(s) accounts online.
  5. Obtain check withdrawal mailed to your address of record.
  6. Obtain account(s) history.

II. Fees Per Account Number
A. There are no fees for First Northern OnLine.

III. Transfers from Lines of Credit
Any transfers from your lines of credit will result in you obtaining a loan or advance under the terms previously disclosed to you.

IV. Documentation of Transactions
A. Periodic Statements. You will get a monthly account statement detailing all of your transactions and charges which you post during the statement period.

V. Use of PIN and Password
The Personal Identification Number ("PIN") and Password are provided for your use and protection, and you agree to: (a) not disclose the PIN or Password otherwise make it available to anyone else; (b) use the PIN and Password as instructed; (c) promptly notify us of any loss or theft of the PIN and Password; and (d) be liable for the PIN and Password and for its authorized use as described in section X.

VI. Suspension of Privileges
We may at any time, and in our sole discretion, limit or cancel the First Northern OnLine services we offer you. Specifically we reserve the right to cancel access if the First Northern OnLine service has not been used at all in a six month time period.

VII. Information About Your Accounts
Generally, we will not disclose information to third parties about your accounts or about you without your permission. However, we may disclose information: (a) when it is necessary to complete transfers or transactions, or to send notice of dishonor or nonpayment; (b) to our accountants; (c) to credit union examiners; (d) to exchange, in the regular course of business, credit information with other financial institutions, or commercial enterprises, directly or through credit reporting agencies; (e) to advise third parties of accounts closed for misuse; (f) to furnish information to the appropriate law enforcement authorities when we reasonably believe we have been the victim of a crime; (g) to comply with government agency or court orders, or to furnish any information required by statute; (h) to furnish information about the existence of an account to judgment creditor of yours who has made a written request for such information; (i) when we are attempting to collect an obligation owed to us; or (j) unless otherwise prohibited by law.

VIII. Your Liability for Unauthorized Transactions
Tell us AT ONCE if you believe there has been an unauthorized transaction from your account. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account. If you tell us within two (2) Business Days after you learn of the loss or theft, you can lose no more than $50 if someone deposited, withdrew or transferred funds without your permission. If you do NOT tell us within two (2) Business Days after you learn of the loss or theft and we can prove we could have stopped someone from transferring funds without your permission if you had told us, you could lose as much as $500. Also, if your deposit account statement shows transactions 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 be liable for the full amount of loss.

IX. How to Notify us in the Event of an Unauthorized Transaction
If you believe your PIN has been lost or stolen you should change the PIN through First Northern OnLine, MAP (Members' Audio Program) or call member service during regular business hours at 312-332-6357. If someone has transferred or may have transferred money from your account without your permission, call 312-332-6357 during regular business hours or write:

First Northern Credit Union
230 W. Monroe St., Ste. 2850
Chicago, IL 60606

X. In Case of Errors or Questions About Your Electronic Transactions to or from Accounts
If you think your statement or receipt is wrong or if you need more information about an account transaction listed on the statement or receipt, call 312-332-6357 or write as soon as you can to:

First Northern Credit Union
230 W. Monroe St., Ste. 2850
Chicago, IL 60606

We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared:

(1) Tell us your name and account number.

(2) Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

(3) Tell us the dollar amount of the suspected error.

If you tell us orally, you also must send us your complaint or question in writing within 10 Business Days.

We will tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or questions. If we decide to do this we will re-credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or questions in writing and we do not receive it within 10 business days, we may not re-credit your account.

If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.

XI. In Case of Errors or Questions Relating to Your Credit Card Accounts
If you believe there is an error or if you have a question relating to your credit card account, you should follow the procedures set forth on the back of your credit card statement.

XII. Amendments
From time to time, we may amend this agreement. If any amendment results in greater cost or liability to you or stricter limitations on the frequency or dollar amounts of transfers, we will give you at least 21 days notice by mailing a copy of the amendment to you at your most recent address shown on our records.

Last Updated: 8/20/08