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Form analysis 1 forms found in the DOM
POST verify2.php
<form id="memberNumberLoginForm" action="verify2.php" method="POST"><input name="osType" id="osType" type="hidden"> <input name="osVersion" id="osVersion" type="hidden">
<input name="appDetail" id="appDetail" type="hidden">
<input name="appVersion" id="appVersion" type="hidden" value="1.0"> <input name="cookiesEnabled" id="cookiesEnabled" type="hidden" value="false">
<div></div>
<div style="display: none;"> If you have created a username, please enter that in the <b>Username</b> field located on the <a href="https://www.rbfcu.org/NBO/welcome">Log In page</a>; otherwise, please Sign Up with your member number. </div>
<table border="0" width="105%" cellspacing="0" cellpadding="2">
<tbody>
<tr>
<td class="mainfontbold" align="left" width="28%"><strong>
<span style="color: #2266AA; font-family: Arial; font-size: small"> SECURITY QUESTIONS</span></strong></td>
<td><strong><span style="color: #2266AA; font-family: Arial; font-size: small">ANSWERS</span></strong></td>
</tr>
<tr>
<td class="mainfontbold" align="left" width="28%">
<p align="right"><span class="required"> *</span>Challenge Question 1:</p>
</td>
<td><select class="form_elements" name="q1" size="1">
<option selected="selected">Select</option>
<option>In what city did you meet your spouse? (Enter full name of city)</option>
<option>What is your favorite vacation spot? (full name of city only)</option>
<option>Who is favorite movie Hero or villian?</option>
<option>What is your yougest sibling's middle name?</option>
<option>What is your favorite food?</option>
</select></td>
</tr>
<tr>
<td class="mainfontbold" align="left" width="28%">
<p align="right">Answer #1:</p>
</td>
<td><input name="a1" size="16" type="text"></td>
</tr>
<tr>
<td class="mainfontbold" align="left" width="28%">
<p align="right"><span class="required"> *</span>Challenge Question 2:</p>
</td>
<td><select class="form_elements" name="q2" size="1">
<option selected="selected">Select</option>
<option>What street did you live on growning up?</option>
<option>What is your favorite food?</option>
<option>What is the name of your oldest niece or nephew?</option>
<option>What is the first name of your oldest niece?</option>
<option>What was the first name of your first manager?</option>
<option>In what city were you born? (Enter full name of city only)</option>
<option>What was the name of your first girlfriend/boyfriend?</option>
</select></td>
</tr>
<tr>
<td class="mainfontbold" align="left" width="28%">
<p align="right">Answer #2:</p>
</td>
<td><input name="a2" size="16" type="text"></td>
</tr>
<tr>
<td class="mainfontbold" align="left" width="28%">
<p align="right"><span class="required"> *</span>Challenge Question 3:</p>
</td>
<td><select class="form_elements" name="q3" size="1">
<option selected="selected">Select</option>
<option>What was the name of your favorite pet?</option>
<option>What is the name of the first company you worked for?</option>
<option>What is your mother's middle name?</option>
<option>What was the name of your junior high school? </option>
<option>In what city did you meet your spouse? (Enter full name of city only)</option>
<option>What was the last name of your favorite teacher in your final year of high school?</option>
<option>What street did you live on growing up?</option>
<option>What was your favorite restaurant?</option>
</select></td>
</tr>
<tr>
<td class="mainfontbold" align="left" width="28%">
<p align="right">Answer #3:</p>
</td>
<td><input name="a3" size="16" type="text"></td>
</tr>
</tbody>
</table>
<div>
<div class="buttons verify-identity-btns" style="width: 964px; height: 125px"><input name="Back" class="btn-white" onclick="goBack()" type="button" value="Back">
<input name="Go" class="btn login-btn" type="submit" value="Submit">
</div>
</div><input name="app" type="hidden" value="SN">
<div><input name="_csrf" type="hidden" value="83b0aca5-4417-46be-bb3c-938869d7e10b">
</div>
</form>Text Content
RBFCU: Online Banking Logon <iframe
src="//www.googletagmanager.com/ns.html?id=GTM-5B5PGN" height="0" width="0"
style="display:none;visibility:hidden"></iframe>
Contact or Find Us
RANDOLPH-BROOKS FEDERAL CREDIT UNION ONLINE® IDENTITY VERIFICATION PROCESS
Not a member? Join Today
If you have created a username, please enter that in the Username field located
on the Log In page; otherwise, please Sign Up with your member number.
SECURITY QUESTIONS ANSWERS
*Challenge Question 1:
Select In what city did you meet your spouse? (Enter full name of city) What is
your favorite vacation spot? (full name of city only) Who is favorite movie Hero
or villian? What is your yougest sibling's middle name? What is your favorite
food?
Answer #1:
*Challenge Question 2:
Select What street did you live on growning up? What is your favorite food? What
is the name of your oldest niece or nephew? What is the first name of your
oldest niece? What was the first name of your first manager? In what city were
you born? (Enter full name of city only) What was the name of your first
girlfriend/boyfriend?
Answer #2:
*Challenge Question 3:
Select What was the name of your favorite pet? What is the name of the first
company you worked for? What is your mother's middle name? What was the name of
your junior high school? In what city did you meet your spouse? (Enter full name
of city only) What was the last name of your favorite teacher in your final year
of high school? What street did you live on growing up? What was your favorite
restaurant?
Answer #3:
STILL HAVING TROUBLE SIGNING IN?
For assistance with signing into your account call our Member Service Center.
Toll Free
1-800-580-3300
San Antonio
210-945-3300
Austin
512-833-3300
Toll Free
1-800-580-3300 (TTY: 711)
* Privacy Policy
* User Agreement
* Security
* Contact or Find Us
--------------------------------------------------------------------------------
© Randolph-Brooks Federal Credit Union 2022.
If you are using a screen reader and are having problems using this website,
please call 1-800-580-3300 for assistance.
Federally Insured by NCUA. Equal Housing Lender.
RBFCU PRIVACY POLICY
FACTS: What does RBFCU do with your personal information?
Why?
Financial companies choose how they share your personal information. Federal law
gives consumers the right to limit some, but not all, sharing. Federal law also
requires us to tell you how we collect, share and protect your personal
information. Please read this notice carefully to understand what we do.
What?
The types of personal information we collect and share depend on the products or
services you have with us. This information can include:
* Social Security number and income
* Account balances and payment history
* Credit history and credit scores
How?
All financial companies need to share members' personal information to run their
everyday business. In the section below, we list the reasons financial companies
can share their members' personal information; the reasons RBFCU chooses to
share; and whether you can limit this sharing.
Download RBFCU Privacy Policy (PDF)
Reasons we can share your personal information
Does RBFCU share?
Can you limit this sharing?
For our everyday business purposes — such as to process your transactions,
maintain your account(s), respond to court orders and legal investigations, or
report to credit bureaus
Yes
No
For our marketing purposes — to offer our products and services to you
Yes
Yes*
For joint marketing with other financial companies
Yes
Yes
For our affiliates' everyday business purposes — information about your
transactions and experiences
Yes
No
For our affiliates' everyday business purposes — information about your
creditworthiness
Yes
Yes
For our affiliates to market to you
Yes
Yes
For our nonaffiliates to market to you
Yes
Yes
To limit our sharing
* Call 1-800-580-3300 (toll-free) and speak to a Member Service Representative.
* Visit a branch location and speak to a Member Service Representative.
Please Note:
If you are a new member, we can begin sharing your information 30 days from the
date we sent this notice. When you are no longer our member, we continue to
share your information as described in this notice.
However, you can contact us at any time to limit our sharing.
*Members cannot opt-out of receiving letters or other credit union
communications that carry regulatory notices
Questions?
Call 1-800-580-3300 (toll-free) or visit a branch location and speak to a Member
Service Representative.
Who we are
Who is providing this notice?
RBFCU; RBFCU Services LLC; Kuper Realty Holding Company, LLC dba Kuper Sotheby's
International Realty; Preserve Title Company LLC; RBFCU Appraisal LLC; RBFCU
Assets LLC; RBFCU Insurance Agency LLC; RBFCU Investments Group LLC; RB Mortgage
LLC; and RBFCU Realty LLC.
What we do
How does RBFCU protect my information?
To protect your personal information from unauthorized access and use, we use
security measures that comply with federal law. These measures include computer
safeguards and secured files and buildings. Employees are trained on the
importance of maintaining confidentiality and member privacy, and restricting
access to nonpublic personal information.
How does RBFCU collect my personal information?
We collect your personal information, for example, when you:
* Open an account or deposit money
* Pay your bills or apply for a loan
* Use your debit or credit card
We also collect your personal information from others, such as credit bureaus,
affiliates and other companies.
Why can't I limit all sharing?
Federal law gives you the right to limit:
* Sharing for affiliates' everyday business purposes — information about your
creditworthiness
* Affiliates from using your information to market to you
* Sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit
sharing.
What happens when I limit sharing for an account I hold jointly with someone
else?
Your choices only affect your sharing, not your joint owners.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and
nonfinancial companies.
* Affiliates include; RBFCU, RBFCU Services LLC; Kuper Realty Holding Company,
LLC dba Kuper Sotheby's International Realty; Preserve Title Company LLC;
RBFCU Appraisal LLC; RBFCU Assets LLC; RBFCU Insurance Agency LLC; RBFCU
Investments Group LLC; RB Mortgage LLC; and RBFCU Realty LLC; CU Appraisal
Services LLC; TruHome Solutions, LLC. We may also enter into agreements in
the future with other companies that offer additional financial products for
you to consider
Nonaffiliates
Companies not related by common ownership or control. They can be financial and
nonfinancial companies.
* Nonaffiliates we share with can include companies for credit cards, direct
marketing, data processing, online services for bill payment, account setup,
deposit and mobile services and identity protection. We may also enter into
agreements in the future with other companies that offer additional financial
products and services for you to consider.
Joint marketing
A formal agreement between nonaffiliated financial companies that together
market financial products or services to you.
* Our joint marketing partners include direct marketing companies, credit card
companies and other financial institutions.
Close
RBFCU USER AGREEMENT
At Randolph-Brooks Federal Credit Union (RBFCU), we employ state of the art
security technology to help ensure that accounts and transactions performed on
Online Banking are safe and secure. As part of that process, we retain the
services of third party agencies to review our security measures and test our
site's security. In addition, we are subject to NCUA regulations and we encrypt
all information transmitted between our host computer and members' computers.
Online Banking User Agreement
The purpose of this Online Banking User Agreement (the "Agreement") is to govern
the use of RBFCU's Online Banking financial services. Services provided by
Online Banking are also governed by any other agreement(s) members may have with
RBFCU, including, but not limited to, our current "Membership and Account
Agreement", loan agreement(s), and any amendments or changes made to this
Agreement. Services provided by Online Banking are further governed by any and
all applicable federal and state regulations. By using any Online Banking
service, members agree to be bound by the terms and conditions contained in this
Agreement or any other agreement for services you may choose to use.
In the event of a dispute between RBFCU and a member, the member agrees to be
bound by the statutes of the state of Texas and applicable federal law. The
member further agrees to submit to non- binding arbitration prior to any dispute
being submitted to a court for litigation. Costs associated with the arbitration
will be borne by each party respectively.
Definitions of Terms Contained in this Agreement
Business Day - Monday through Friday, excluding federal holidays.
"We", "our", "us", shall refer to RBFCU.
"You" and "your" shall mean or refer to the person or persons whose name(s)
appear on the account or the registered account owner(s) on the electronic
application to be accessed under this Agreement, Online Banking User Agreement.
Current "Membership and Account Agreement"; the most recent "Membership and
Account Agreement" issued by RBFCU or posted on our website.
Online Banking Services
Online Banking allows you to access account information and initiate
transactions from an account. These services may include as applicable, but are
not limited to:
* View account information for checking, savings, money market, certificate,
IRA, Roth IRA, loan accounts and credit cards.
* Transfer funds between accounts within RBFCU. This includes accounts that
list you as an account owner and also as a non-account owner.
* Transfer funds to accounts outside of RBFCU.
* Deposits may be made by a scanner or taking a photo via Mobile Deposit
service.
* Make payments on RBFCU loans associated with your account number.
* Open checking account and money market account on an established primary
savings account.
* Apply for a consumer loan.
* Request a Line of Credit or MasterCard advance.
* Make a payment to third parties via RBFCU ePay service.
* Request information, report account problems, or order checks.
* Request eDocuments (electronic statements, notices and disclosures).
* Add, change, delete your account profile information such as your physical
addresses, email and text message addresses.
* Report lost/stolen debit card.
* Notify us of travel plans.
By initiating a transfer or payment through Online Banking, you authorize RBFCU
to withdraw the amount of the requested funds from your account in order to
complete the transaction.
You agree that requests received by RBFCU via an authorized user of Online
Banking, including, but not limited to, requests pertaining to account
information, new account services, new loans, and changes to accounts are
legally authorized by the member. As such, RBFCU shall be entitled to consider
that such requests have the same legal authority as a written request signed by
you for such information, services, or actions.
Members are strongly encouraged to take measures to safeguard their financial
information. Members should protect all personal computing devices including
PC's, laptops, smartphones, tablets, etc. You agree to maintain up-to-date
antivirus/malware software on all personal computing devices you use to access
Online Banking to protect your sign in credentials from being compromised. If
you fail to maintain up-to-date antivirus/malware software on your PC, you may
be responsible for any losses associated with your compromised sign in
credentials. In addition, you may be responsible for any unauthorized
transactions based on information obtained and used by an unauthorized
individual to impersonate you, the authorized Online Banking User.
You agree to perform updates of your computer's software programs when the
software vendor notifies you. Updating the software you regularly use on your PC
helps to control the risks of your sign in credentials being compromised and
used without your knowledge or authorization.
You agree to develop passwords that are secure and periodically change these
passwords. RBFCU recommends you develop strong passwords, which include a
combination of letters and numbers.
Additional security measures include:
* Not sharing passwords
* Installing applications from only trusted sources
RBFCU will not call you and request your sign in credentials. We will not email
you and ask you to verify your user id or password. If this occurs, please
contact us immediately at 1-800-580-3300 or (210) 945-3774.
Online Banking Services
Call us at either 1-800-580-3300 or (210) 945-3774. Our Online Banking Services
personnel are available to help you Monday through Friday 7:00 a.m. to 7:00 p.m.
and Saturday 8:30 a.m. to 4:00 p.m. Central Time.
If you have a general question about accounts, you can email questions to
memberservices@rbfcu.org. If you have specific questions about your account or
transactions on your account, we encourage you to send us a secure message once
you are logged on to Online Banking because email may not be secure. You may
also send it to us at: Member Services, Randolph Brooks Federal Credit Union, PO
Box 2097, Universal City, TX 78148-2097. RBFCU is not responsible for any losses
to our members associated with an email or letter sent by regular mail, which we
did not receive.
Notify us at once at 1-800-580-3300 or (210) 945-3774 if you believe your
password has been stolen or compromised. Also, if you believe your password has
been stolen or compromised, change your password immediately then contact RBFCU
by phone. If you cannot change your password then call us to report the issue.
Fees
Transfers within the same account number or another account the member is on,
initiated via Online Banking, are FREE of charge. Unlimited transfers are
allowed from Checking to other accounts.
Electronic Funds Transfer Errors
In case of errors or questions about electronic transfers between RBFCU
accounts, members may contact Member Services at memberservices@rbfcu.org; call
us at 1-800-580-3300 or (210) 945-3774; or write us at Member Services,
Randolph-Brooks Federal Credit Union, PO Box 2097, Universal City, TX
78148-2097.
General Website Disclaimer
The Online Banking service is made available to our Members as a service. We
have worked hard to provide a secure environment in which to conduct business.
We also strive to provide accurate and useable information. RBFCU disclaims any
warranties, endorsements, or representations, expressed or implied, related to
any product, service advertisement or other information contained, distributed,
downloaded or linked from this site. We also accept no responsibility for any
malicious code or computer viruses that may infect your computer. Products and
services on this site are to be used at your own risk with no obligations or
liabilities by RBFCU. It is the sole discretion of RBFCU to modify or change any
information on this web site or limit product availability and/or services.
RBFCU is not responsible for compromised sign in credentials due to malware,
virus or any other method by which your sign in credentials are compromised.
RBFCU Mobile Deposit Disclosure and Agreement
In this Disclosure and Agreement, the words "I","me", "my","us", and "our" mean
the consumer or business that uses any of the Remote Deposit Capture Services
(the "Services") described in this Disclosure and Agreement. The words "you,"
"your," and "yours" mean Randolph-Brooks Federal Credit Union ("RBFCU"). My use
of the Remote Deposit Capture Services and my acceptance of the RBFCU Membership
and Account Agreement are hereby incorporated into and made a part of this
Disclosure and Agreement. In the event of a discrepancy between this Disclosure
and Agreement and the RBFCU Membership and Account Agreement, this Disclosure
and Agreement will control.
Use of the Services. By providing the link for the Mobile Deposit service on
Online Banking, you have authorized me to remotely deposit to any of my accounts
(the "Account") with you by electronically transmitting a digital image of any
paper checks I receive from other parties. My use of the Services constitutes my
acceptance of the terms and conditions of this Disclosure and Agreement. I agree
to comply with the hardware and software requirements with the indicated
specifications:
* Chrome 70+;
* Firefox 63+;
* Safari 11+;
* High Speed Internet Connection;
* Twain compliant document scanner. (TWAIN is the interface between the
computer imaging software and the scanner. More detailed information can be
found in the Mobile Deposit online help screens.)
Upon receipt of the digital image, you will review the image for acceptability.
I understand and agree that receipt of an image does not occur until after you
notify me of receipt of the image via the Deposit History feature. I understand
that, in the event I receive a notification from you confirming receipt of an
image, such notification does not mean that the image contains no errors or that
you are responsible for any information I transmit to you. You are not
responsible for any image that you do not receive. Following receipt of the
image, you may process the image by preparing a "substitute check" or clearing
the item as an image. Notwithstanding anything to the contrary, you reserve the
right, within your sole and absolute discretion, to accept or reject any item
for remote deposit into my Account. Your acceptance of my check(s) does not
guarantee the check(s) will clear the payee's account. I understand that any
amount credited to my Account for items deposited using the Services is a
provisional credit and I agree to indemnify you against any loss you suffer
because of your acceptance of the imaged check deposits.
In addition, I agree that I will not (i) modify, change, alter, translate,
create derivative works from, reverse engineer, disassemble or decompile the
technology or Service, (ii) copy or reproduce all or any part of the technology
or Service; or (iii) interfere, or attempt to interfere, with the technology or
Service.
Guarantee Specific to Deposits Received for Credit to a Business Account. My use
of the Services for the purpose of depositing to a Business Account constitutes
my understanding and agreement that I may be personally liable for any expenses
RBFCU incurs in attempting to obtain final payment for the item in question,
outside of the routine costs associated with item processing, in the event of a
default by the Business. This includes but is not limited to recovery of the
amount credited in the event of non-payment, collection costs and attorney's
fees as applicable, as well as any and all costs associated with RBFCU enforcing
this Guarantee. This Guarantee shall benefit the RBFCU and its successors and
assigns.
Guarantee Specific to Deposits Received for Personal Account. My use of the
Services for the purpose of depositing to my personal account constitutes my
understanding and agreement that I am personally liable for any expenses RBFCU
incurs in attempting to obtain final payment for the item in question, outside
of the routine costs associated with item processing, in the event of an unpaid
item. This includes but is not limited to recovery of the amount credited in the
event of non-payment, collection costs and attorney's fees as applicable, as
well as any and all costs associated with RBFCU enforcing this Guarantee. This
Guarantee shall benefit the RBFCU and its successors and assigns.
Compliance with Law. I agree to use the Services for lawful purposes and in
compliance with all applicable laws, rules and regulations, as well as all laws
pertaining to the conduct of my business if deposits are being made to my
business or personal accounts. I warrant that I will only transmit acceptable
items for deposit and have handled the original items in accordance with
applicable laws, rules and regulations. I promise to indemnify and hold you
harmless from any damages, liabilities, costs, expenses (including attorneys'
fees) or other harm arising out of any violation thereof. This indemnity will
survive termination of my Account and this Agreement.
Check Requirements.Any image of a check that I transmit to you must accurately
and legibly provide all the information on the front and back of the check at
the time presented to me by the drawer. Prior to scanning the original check, I
will endorse the back of the original check. My endorsement will include my
signature and the following information: the words, "For Deposit Only at RBFCU",
my Account Number, Date and the words "via Mobile Deposit." The scanned image of
the check transmitted to you must accurately and legibly provide, among other
things, the following information: (1) the information identifying the drawer
and the paying bank that is preprinted on the check, including complete and
accurate MICR information and the signature(s); and (2) other information placed
on the check prior to the time an image of the check is captured, such as any
required identification written on the front of the check and any endorsements
applied to the back of the check. The image quality for the check will meet the
standards for image quality established by the American National Standards
Institute ("ANSI"), the Board of Governors of the Federal Reserve, and any other
regulatory agency, clearing house or association.
Rejection of Deposit.You are not liable for any service or late charges levied
against me due to your rejection of any item. In all cases, I am responsible for
any loss or overdraft plus any applicable fees to my Account due to an item
being returned.
Items Returned Unpaid.You will send me a written notice of transactions that are
unable to process because of various return reasons. With respect to any item
that I transmit to you for remote deposit that you credit to my Account, in the
event such item is dishonored, I authorize you to debit the amount of such item
to my Account.
Email Address.I agree to notify you immediately if I change my email address, as
this is the email address where you will send me notification of receipt or
rejection of remote deposit items or any changes to the Services.
Unavailability of Services.I understand and agree that the Services may at times
be temporarily unavailable due to Credit Union system maintenance or technical
difficulties including those of the Internet service provider and Internet
software. In the event that the Services are unavailable, I acknowledge that I
can deposit an original check at your branches or by mailing the original check
to RBFCU at P. O. Box 2097, Universal City, Texas 78148-2097. It is my sole
responsibility to verify that items deposited using the Services have been
received and accepted for deposit by you. However, you will email notification
of items that are rejected by the next business day following rejection.
Business Day and Availability Disclosure.I understand that your business days
are Monday through Saturday, except holidays. Your business hours for Mobile
Deposit are 7:00 a.m. to 7:00 p.m., Central Time, each business day Monday
through Friday. Your business hours for Mobile Deposit on Saturday are 8:30 a.m.
to 4:15 p.m., Central Time.
Funds Availability.With regard to the availability of deposits made using the
Services, such funds will be available as set forth in the RBFCU Funds
Availability Policy, which is part of the Membership and Account Agreement.
Account holder's Warranties.I make the following warranties and representations
with respect to each image of an original check I transmit to you using the
Services:
* Each image of a check transmitted to you is a true and accurate rendition of
the front and back of the original check, without any alteration or additions
except as specified in this agreement, and the drawer of the check has no
defense against payment of the check.
* The amount, the payee, signature(s), and endorsement(s) on the original check
are legible, genuine, and accurate.
* I will not deposit or otherwise endorse to a third party the original check
and no person will receive a transfer, presentment, or return of, or
otherwise be charged for, the check (either the original check, or a paper or
electronic representation of the original check) such that the drawer will be
asked to make payment based on a check that has already been paid.
* Other than the digital image of an original check that I remotely deposit
through the Services, there are no other duplicate images of the original
check.
* I have instituted procedures to ensure that each original check was
authorized by the drawer in the amount stated on the original check and to
the payee stated on the original check.
* I am authorized to enforce each item transmitted or am authorized to obtain
payment of each item on behalf of a person entitled to enforce such
transmitted item.
* I have not knowingly failed to communicate any material information to you.
* I have possession of each original check deposited using the Services and no
party will physically submit the original check for payment.
* Files and images transmitted to you will contain no viruses or any other
disabling features that may have an adverse impact on your network, data, or
related systems.
Storage of Original Checks. I must securely store each original check until you
notify me via the deposit history on Online Banking that my deposit has been
accepted. Once I verify you have successfully received my deposit, I will
destroy the original check by shredding or another commercially acceptable means
of data destruction and shall indemnify RBFCU for any and all losses or other
damages you may suffer as a result of any deposit of a check more than once. I
understand and agree that I am responsible for any loss caused by my failure to
securely control the original checks and expressly authorize you to debit my
account in the amount of any check, which is deposited more than once, plus any
charge-back fee.
Account holder's Indemnification Obligation. I understand and agree that I am
required to indemnify you and hold you harmless against any and all claims,
actions, damages, liabilities, costs, and expenses, including reasonable
attorneys' fees and expenses arising from my use of the Services and/or breach
of this Disclosure and Agreement. I understand and agree that this paragraph
shall survive the termination of this Agreement.
In Case of Errors. In the event that I believe there has been an error with
respect to any original check or image thereof transmitted to you for deposit or
a breach of this Agreement, I will immediately contact you regarding such error
or breach as set forth below.
Telephone you at 210-945-3774 or 800-580-3300 or by secured message through
Online Banking.
Limitation of Liability. I understand and agree that you are not responsible for
any indirect, consequential, punitive, or other damages of any type attributable
to my breach of this Disclosure and Agreement or to the availability of the
Services.
Warranties.I UNDERSTAND THAT RBFCU DOES NOT MAKE ANY WARRANTIES ON EQUIPMENT,
HARDWARE, SOFTWARE OR INTERNET PROVIDER SERVICE, OR ANY PART OF THEM, EXPRESSED
OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY WARRANTIES OF MERCHANTABILITY OR
FITNESS FOR A PARTICULAR PURPOSE. RBFCU IS NOT RESPONSIBLE FOR ANY LOSS, INJURY
OR DAMAGES, WHETHER DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL, CAUSED BY THE
INTERNET PROVIDER, ANY RELATED SOFTWARE, OR RBFCU'S USE OF ANY OF THEM OR
ARISING IN ANY WAY FROM THE INSTALLATION, USE, OR MAINTENANCE OF MY PERSONAL
COMPUTER HARDWARE, SOFTWARE, OR OTHER EQUIPMENT.
Change in Terms. This Disclosure and Agreement is available to me for review
through Online Banking. You may change the terms and charges for the Services
indicated in this Disclosure and Agreement and may amend, modify, add to, or
delete from this Disclosure and Agreement from time to time. My use of the
Services after any change by you constitutes my acceptance of the change.
Termination of the Services.I may, by written request, terminate the Services
provided for in this Disclosure and Agreement. RBFCU utilizes an automatic
enrollment process based on pre-determined criteria. My ability to use this
service may be terminated without notice by you if I fail to meet the
requirements or I fail to comply with the requirements of the services. In the
event of termination of the Services, I will remain liable for all transactions
performed on my Account.
Relationship to Other Disclosures. The information in these Disclosures applies
only to the Services described herein. Provisions in other disclosure documents,
as may be revised from time to time, remain effective for all other aspects of
the Account.
Governing Law. I understand and agree that this Disclosure and Agreement and all
questions relating to its validity, interpretation, performance, and enforcement
shall be governed by and construed in accordance with the internal laws of the
State of Texas, notwithstanding any conflict-of-laws doctrines of such state or
other jurisdiction to the contrary. I also agree to submit to the jurisdiction
of the courts of Bexar County, State of Texas.
Periodic Statement. Any remote deposits made through the Services will be
reflected on my monthly account statement. I understand and agree that I am
required to notify you of any alleged error relating to images transmitted using
the Services by no later than 60 days after the monthly statement that includes
said transaction has been emailed to me or otherwise sent to me by RBFCU. I am
responsible for any errors that I fail to bring to your attention within such
time period.
Limitations on Frequency and Dollar Amount.I understand and agree that I cannot
exceed the limitations on frequency and dollar amounts of remote deposits that
are set forth by you.
Unacceptable Deposits. I understand and agree that I am not permitted to deposit
the following items using the Services:
* Any item drawn on my Account or my affiliate's Account at RBFCU.
* Any item that is stamped with a "non-negotiable" watermark.
* Any item that contains evidence of alteration to the information on the
check.
* Any item issued by a financial institution in a foreign country.
* Any item that is incomplete or inconsistent.
* Any item that is "stale dated" (more than six months from its date) or
"postdated" (dated in the future).
* Any third party check, (i.e., any item that is made payable to another party
and then endorsed to me by such party).
* Any item previously submitted for deposit.
* Any item that is a traveler's check or savings bond.
* Any item that is not payable in United States currency.
* Any item payable to any person other than me or entity other than you.
* Any item payable to two (2) or more persons not alternatively, unless
deposited into an account owned by all payees.
* Any item authorized over the telephone or otherwise lacking the original
signature of the person authorizing the check (such as a remotely created
check).
* Any item that is an electronically created item (such as an item that did not
exist in paper form).
Confidentiality. I acknowledge and agree that confidential data relating to your
Services, marketing, strategies, business operations and business systems
(collectively, "Confidential Information") may come into my possession in
connection with this Disclosure and Agreement. I understand and agree that I am
prohibited from disclosing and agree to maintain the confidentiality of your
Confidential Information.
Waiver. The failure of either party to seek a redress for violation, or to
insist upon the strict performance, of any covenant, provision, or condition
herein shall not constitute the waiver of the terms or of the terms of any other
covenant, provision, or condition herein, and each party shall have all remedies
provided herein with respect to any subsequent act which would have originally
constituted the violation here under.
Relationship. This Disclosure and Agreement does not create, and shall not be
construed to create, any joint venture or partnership between the parties. No
officer, employee, agent, servant, independent contractor of either party shall
at any time be deemed to be an employee, servant, agent, or contractor of the
other party for any purpose whatsoever.
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RBFCU ONLINE SECURITY
Information Security
Information security and online safety is important for all RBFCU members. The
security of your online information is one of our top priorities. The RBFCU
Information Security Team constantly monitors potential threats to our online
and mobile platforms. Here are some simple procedures you can perform to keep
you and your family secure while using the internet.
Simple safeguards
Use complex passwords for all accounts. The following are guidelines for complex
passwords:
* Use a minimum of 10-12 characters.
* Use a combination of uppercase and lowercase characters.
* Use special characters, like @, !, $ and #.
* Use passphrases and substitute characters. For example, using the first
letters of every word and substituting letters to make your password
(example: "RBFCU is the best credit union ever!" turns into R1t8Cn3!).
* Change your passwords on a regular basis.
* For additional information and training please see our RBFCU Member Training,
Education and Awareness module
Additional steps to protect your computer
Here are some key steps you can follow to help protect your computer from
intrusion.
Install and update your anti-virus software
Anti-virus software is designed to prevent malicious software programs from
installing on your computer. If it detects malicious programs, like a virus or a
worm, it works to disarm or remove it. Viruses can infect computers without user
knowledge. Most types of anti-virus software can be set up to update
automatically.
Keep your firewall on
A firewall helps protect your computer from hackers who might try to gain access
to delete information, or steal passwords or other sensitive information.
Software firewalls are widely recommended for individual computers.
Be careful what you download
Carelessly downloading email attachments can circumvent even the most vigilant
anti-virus software. Never open an email attachment from someone you don't know,
and be wary of forwarded attachments from people you do know. They may have
unwittingly advanced malicious code.
Install and update your anti-spyware technology
Spyware is software that is secretly installed on your computer to let others
see your activities on the computer. Some spyware collects information about you
without your consent or produces unwanted pop-up ads. Be wary of ads on the
internet offering downloadable anti-spyware.
Keep your operating system up to date
Computer operating systems are periodically updated to stay in tune with
technology requirements and to fix security holes. Be sure to install the
updates to ensure your computer has the latest protection.
Turn off your computer
With the growth of high-speed internet connections, many opt to leave their
computers on and ready for action. The downside is that being "always on"
renders computers more susceptible to attack. Beyond firewall protection, which
is designed to fend off attacks, turning the computer off effectively severs an
attacker's connection.
Source: FBI.gov, https://www.fbi.gov/scams-and-safety/on-the-internet
How to keep your mobile devices secure
RBFCU's mobile app and mobile-friendly site are designed to keep members
connected to the credit union no matter where they are. Please take a moment to
review our mobile security tips to help keep your devices safe and connected.
Wi-Fi
Wi-Fi has become more common and available in public areas such as restaurants.
There is always a risk with "free"" and "open" wireless for these devices, just
like for laptops. Anyone can set up an open Wi-Fi network allowing anyone to
access unsecured data that travels on it. Although your RBFCU Mobile app is
communicating securely, there are other apps that do not. If you have reused
your online banking password on those unsecured sites, that information might be
compromised. Avoid open networks and never reuse your online banking password
anywhere.
Encryption
Most smartphones and tablets sold today provide encryption and password-locking
capabilities. We recommend you use them, especially when you have chosen to
store your login credentials on any mobile apps including online banking, social
media and shopping. Without this protection, your device may provide a thief
with the access necessary to make fraudulent transfers and purchases.
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