empty text

empty text

e*branch Login

booked.net

e*branch Disclosure

University Credit Union Terms and Conditions for use of e*branch

A. What This Agreement Covers

This Agreement is between each member of an eligible account, a person applying for an eligible account, or authorized representative appointed or entitled to online access on another person’s behalf (“you” or “your”) and University Credit Union.  This Agreement governs your use of any e*branch or Mobile e*branch services maintained by University Credit Union and accessible through using a personal computer or a mobile device, including a smartphone, tablet, or any other eligible handheld or wearable communication device (the “Service(s)”).

Under the terms of this Agreement, you may use the Services to obtain financial products and services, access and view account information, and, for certain accounts, move money electronically and perform authorized transactions, for eligible U.S.- based consumer and small business accounts.

When you first set up your e*branch/mobile e*branch ID, we will link all of your eligible University Credit Union accounts, including joint accounts. If you open an additional eligible account at a later date, we will link your new account to the Service, unless you tell us not to do so. Unless indicated otherwise by the context, "linked University Credit Union accounts" or "linked accounts" refers to all of your accounts with University Credit Union and its affiliates that are linked to the Service.

When your Service is linked to one or more joint accounts, we may act on the verbal, written or electronic instructions of any authorized signer.

Please note that some of the Services may not be available when using certain digital devices or applications. For example, some functions may be available online through a personal computer but not available through our mobile app.

B. Accepting the Agreement

When you apply for, enroll in, activate, download or use any of the Services described in this Agreement or authorize others to do so on your behalf, you are contracting for all Services described in the Agreement and agree to be bound by the terms and conditions of the entire Agreement, as well as any terms and instructions that appear on a screen when enrolling in, activating or accessing the Services.

C. Relation to Other Agreements

Your use of the Services may also be affected by your Membership Agreement and Disclosures, including the applicable schedule of fees (“Fee Schedule”), or other agreement with us for your linked University Credit Union accounts. When an account is linked to the Services, it does not change the agreements you already have with us for that account and you are still subject to the terms and conditions we gave you in the agreement and disclosure for the linked account. The terms and conditions for those account agreements, including any applicable fees, transaction limitations, liability rules and other restrictions that might impact your use of an account with the Services, are incorporated into this Agreement.  In the event of a conflict between the terms of those account agreements and this Agreement, the terms of the applicable account agreement will prevail unless this Agreement specifically states otherwise.

System Requirements:

  • Microsoft Windows 10 or Mac OS X 10.10
  • Available browser updates applied for improved security that provides antivirus and spyware protection.
  • Internet connections with a minimum of 1 Mbps download speed.

Display Requirements:

The new e*branch is designed to utilize the space of current monitor technology.  If you have an older monitor that does not support 1280-pixel width, you may find you have to scroll to see the full screen.  We strongly recommend using our new platform on a wide screen format monitor to get the most out of your new e*branch.

PDF Reader Requirements:

University Credit Union recommends the most recent version of Adobe Reader available for your desktop or mobile device.  If you choose to use a third-party PDF reader, University Credit Union cannot guarantee documents will appear as intended.

Biometrics Requirements:

Members can use Fingerprint Login, Touch ID or Face ID to log in to mobile e*branch.  The Fingerprint Login feature is based on the fingerprint API introduced with Android M.  Some Samsung and Nexus phones do not support Android's API, even though they include the hardware on the phone these devices are not supported for the Fingerprint Login feature.

Fingerprint Login is a feature currently only available for login authentication on eligible Android devices.  To use this feature you must meet the following operating system, hardware and release requirements:

  • Samsung Galaxy S7 or later
  • Google Nexus 7 or later
  • Google Pixel first generation or later
  • End-user registration with Fingerprint Login at the device level

Touch ID and Face ID are only available for login authentication on supported Apple iOS devices and requires end-user registration of the feature at the device level. 

Browser Requirements:

Browser support is subject to change without notice; we encourage end users to configure browsers for automatic updates.  Use the latest version of your browser for the most secure experience online.

An advanced notice will be sent to members accessing e*branch through a browser for which support has been scheduled to end.  If you need assistance with upgrading your existing web browser, please follow this link for assistance

Any browser not listed in the following table should be considered unsupported by University Credit Union.

Browsers 

Windows

Mac OS X

Download Latest Version

Google Chrome (Current and previous two versions) 

Recommended

Recommended

Latest Version of Chrome

Mozilla Firefox (Current and previous two versions)

Supported

Supported

Latest Version of Firefox

Microsoft Edge (Current and previous version) 

Supported

Unsupported

Latest Version of Edge

Apple Safari (Current and previous two versions) 

Unsupported 

Supported

Latest Version of Apple Safari

Microsoft Internet Explorer 11.x 

Unsupported

Unsupported

Latest Version of Edge


Mobile App Requirements:

The following table provides Android requirements for mobile e*branch app:

Version 

Mobile e*branch Version 4.x

 Android 5.x and later

Supported


The following table provides Apple iOS requirements for mobile e*branch app:

Version 

Mobile e*branch Version 4.x

iOS 13.x 

Supported

iOS 12.x

Supported

iOS 11.x

Limited Support

1. Internal Transfer Services

A. Transfers Between Your Accounts

You may use the Service to transfer funds between your linked University Credit Union accounts without a fee on either a one-time or recurring basis, including as a payment to a linked installment loan, credit card, Home Equity Loan or HELOC.

Transfer From

Transfer To

$ Limit

Cut-off Time (All EDT)

Your Checking/Savings account

Your Savings/Checking account

N/A

5:00 PM

Your Savings/Checking  account

Your University Credit Union Loan

N/A

5:00 PM

Your Line of Credit or HELOC

Your Savings/Checking account or Loan

Minimum $500.00

5:00 PM

Your Money Market Checking

Your Savings/Checking account or Loan

Minimum $500.00

5:00 PM

Your University Credit Union Loan

Your University Credit Union Mastercard

 

3:00 PM


There are no receiving limits for Internal Transfers between your own accounts.

Transfers to a University Credit Union checking or savings account made after the applicable cut-off time indicated above but before 11:59 p.m. on a business day, will be posted as of the next business day in your transaction history, but will be included in the balance we use to pay transactions that night

Funds transferred as a payment to an eligible credit card, signature loan, home equity line of credit during the draw period (“HELOC”), installment loan or Fixed Home Equity (together “Loan Accounts”) will be credited with the date the payment is submitted. Updates to account balances, funds availability, and transaction posting may take up to 2 business days.

One-time transfers may be made at any time and are immediately debited from a checking or savings account available balance or a credit account available credit.

Future dated or recurring transfers scheduled for a weekend or a non-business day will be debited from the funding account on the prior business day. All other scheduled and recurring transfers will be debited from the funding account at the beginning of the business day requested.

Future scheduled and recurring transfers can be canceled prior to midnight ET on the business day prior to the date the transfer is scheduled to be made. A one-time immediate transfer cannot be canceled after it has been submitted.

The best way to cancel a future scheduled or recurring transfer is to follow the instructions on our website. The cancel feature is found in the Transfer Activity or Recurring Transfers sections. You may also request to cancel a future scheduled or recurring transfer by calling us at 786.425.5000 or 800.230.4832

B. Transfers to Someone Else Using Their Account Number

You may use the Service to make one-time transfers from a linked University Credit Union checking, savings, money market or line of credit account to most checking, savings or money market accounts of other University Credit Union members using their account number.

One time transfers may be made at any time and are immediately debited from a checking or savings account's available balance.  A one-time transfer cannot be cancelled after it has been submitted.

2. Disclaimer of Warranties, Limitation of Liability and Indemnification

A. Disclaimer of Warranties

EXCEPT AS OTHERWISE PROVIDED HEREIN, AND SUBJECT TO APPLICABLE LAW, NEITHER WE NOR OUR VENDORS, INCLUDING OUR OR THEIR MEMBERS, DIRECTORS, OFFICERS OR AGENTS, MAKE ANY EXPRESS OR IMPLIED WARRANTIES, REPRESENTATIONS OR ENDORSEMENTS WHATSOEVER WITH RESPECT TO THE SERVICES.  WE AND OUR VENDORS EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT, WITH REGARD TO THE SERVICES DESCRIBED OR PROVIDED. NEITHER WE NOR OUR VENDORS, INCLUDING OUR OR THEIR MEMBERS, DIRECTORS, OFFICERS OR AGENTS, WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE, OR THAT DEFECTS WILL BE CORRECTED. THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. FOR PURPOSES OF THIS AGREEMENT, “VENDOR(S)” MEANS ANY THIRD-PARTY SERVICE PROVIDER, NETWORK OR PARTNER FINANCIAL INSTITUTION WE MAY ENGAGE TO PERFORM FUNCTIONS FOR US UNDER THIS AGREEMENT.

NEITHER WE NOR OUR VENDORS, INCLUDING OUR OR THEIR MEMBERS, DIRECTORS, OFFICERS OR AGENTS, WARRANT THAT THE WEB SITE, OR THE SERVER THAT MAKES THEM AVAILABLE, IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOU ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR, OR CORRECTION OF PROBLEMS CAUSED BY VIRUSES OR OTHER HARMFUL COMPONENTS.

B. Limitation of Liability

EXCEPT AS OTHERWISE PROVIDED HEREIN, AND SUBJECT TO APPLICABLE LAW, IN NO EVENT WILL WE OR OUR VENDORS, INCLUDING OUR OR THEIR MEMBERS, DIRECTORS, OFFICERS OR AGENTS BE LIABLE FOR ANY DAMAGES WHATSOEVER, INCLUDING, BUT NOT LIMITED TO ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY OR OTHER INDIRECT DAMAGES ARISING OUT OF (I) ANY TRANSACTION CONDUCTED THROUGH OR FACILITATED BY THE SERVICES; (II) ANY CLAIM ATTRIBUTABLE TO ERRORS, OMISSIONS, OR OTHER INACCURACIES IN THE SERVICES DESCRIBED OR PROVIDED, (III) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA, OR (IV) ANY OTHER MATTER RELATING TO THE SERVICES DESCRIBED OR PROVIDED, EVEN IF WE OR OUR VENDORS HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IF YOU ARE DISSATISFIED WITH THE SERVICES OR WITH THE TERMS OF THIS AGREEMENT, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SERVICES.

FURTHER, WE SHALL NOT BE LIABLE TO YOU OR ANY THIRD PARTY FOR FAILURE TO EXECUTE ANY TRANSFER OR PERFORM A RELATED ACT IF SUCH FAILURE IS DUE TO CAUSES OR CONDITIONS BEYOND OUR REASONABLE CONTROL, INCLUDING WITHOUT LIMITATION, STRIKES, RIOTS, INSURRECTION, WAR, MILITARY OR NATIONAL EMERGENCIES, ACTS OF GOD, NATURAL DISASTERS. FIRE, OUTAGES OF COMPUTERS OR ASSOCIATED EQUIPMENT, QUARANTINES, PANDEMICS. OR FAILURE OF TRANSPORTATION OR COMMUNICATION METHODS OR POWER SUPPLIES.

IN THOSE STATES WHERE THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES MAY NOT APPLY, ANY LIABILITY OF US OR OUR VENDORS, INCLUDING OUR OR THEIR MEMBERS, DIRECTORS, OFFICERS AND AGENTS IN THOSE STATES IS LIMITED AND WARRANTIES ARE EXCLUDED TO THE GREATEST EXTENT PERMITTED BY LAW, BUT SHALL, IN NO EVENT, EXCEED ONE HUNDRED DOLLARS ($100.00).

C. Indemnification

You acknowledge and agree that you are personally responsible for your conduct while using the Services, and except as otherwise provided in this Agreement, you agree to indemnify, defend and hold harmless us, our Vendors, including our or their members, directors, officers, agents from and against all claims, losses, expenses, damages and costs (including, but not limited to, direct, incidental, consequential, exemplary and indirect damages), and reasonable attorney's fees, resulting from or arising out of your use, misuse, errors, or inability to use the Services, or any violation by you of the terms of this Agreement or your breach of any representation or warranty contained in this Agreement.

The provisions of Sections 2.A, B and C shall survive termination of this Agreement.

3. Other Terms and Conditions

A. Service Charges

Except as otherwise provided in this Agreement or your applicable account agreements and schedule of fees, there is no service charge for accessing your linked accounts with the Service.

In addition to the fees already described in this Agreement, you should note that depending on how you access the Services, you might incur charges for:

  • Normal account fees
  • Service charges, such as

o   Stop payment requests

o   Check copy orders

o   Account statement copy orders.

  • Internet service provider fees.
  • Wireless carrier fees.

A non-sufficient funds fee, returned item, overdraft or similar fee may also apply if you schedule payments or transfers and your available balance is not sufficient to process the transaction on the date scheduled or, in the case of a personal check used for a bill payment, on the date when the check is presented to us for payment.

B. Service Hours

The Services are available 365 days a year and 24 hours a day, except during system maintenance and upgrades. When this occurs, a message will be displayed on-line when you sign on to e*branch. Our Call Centers are available Monday through Friday from 8:00 a.m. to 5:00 p.m. EST, excluding credit union holidays, and may be reached through the contact numbers contained in the applicable sections of this Agreement. You may also write us at:

University Credit Union
ATTN: Member Service Center
13241 SW 136th Street
Miami, FL 33186C. Business Days

For the Services, our business days are Monday through Friday 8am – 5pm, excluding credit union holidays.

D. Changes to Agreement

We may add, delete or change the terms of this Agreement at any time.  We will inform you of changes when legally required and will try to inform you of the nature of any material changes even when not legally required to do so. We may communicate changes by either mail, email or a notice on our website and will make the updated terms available on our website.  You agree that by continuing to use the Services after the date that changes are posted to our website, such changes will be effective for transactions made after that date, whether or not you access the website or otherwise receive actual notice of the changes. If you do not agree with a change, you may discontinue using the Services.

E. Cancellation

The Services remain in effect until they are terminated by you or University Credit Union. You may cancel one or more of your Services at any time by notifying us of your intent to cancel in writing, through e*branch secure mail or by calling the Call Center at 786.425.5000 or 800.230.4832.  This cancellation applies to your Services` and does not terminate your University Credit Union accounts. We recommend that you cancel any scheduled payments prior to notifying us that you are discontinuing the Service. Otherwise, University Credit Union will cancel any scheduled payments within two (2) business days from the date we receive your request to discontinue the Service. If you close your primary checking account or there is no longer any eligible funding account linked to your Service, any unprocessed payments will be canceled. The Services will also end if you close all accounts linked to your e*branch profile.

We may terminate your participation in any or all of your Services for any reason, including inactivity, at any time. We will try to notify you in advance, but we are not obliged to do so.

F. Disclosure of Account Information

We may disclose information about your accounts to consumer reporting agencies and to other persons or agencies who, in our judgment, have a legitimate purpose for obtaining information, as more fully described in the account agreement for the applicable account.

By using our services, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to use, or to disclose to University Credit Union or other entities working with University Credit Union, your mobile number, name, address, email, network status, member type, member role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber and device status details, if available, where provided in accordance with your mobile operator's privacy policy, for the duration of our business relationship solely to help verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of our services.

We will only use personally identifiable information in accordance with our Online Privacy Notice and U.S. Consumer Privacy Notice.  For more information, go to our Web site at https://ucumiami.org/en/privacy-policy.

G. Consent to Provide Electronic Communications

As part of e*branch enrollment, you consented to the e*branch Electronic Communications Disclosure (“eCommunications Disclosure”) which allows us to provide you with account-related communications electronically.  Pursuant to this consent, we will deliver these communications electronically by either posting the communication to your e*branch secure mailbox, to our website, sending it to your email address or by other electronic means.   You are responsible for providing us with a valid e-mail address to accept delivery of electronic communications and you must notify us of any changes or updates to your email address.  You agree that once we email or post the communications within our website, we have delivered the Communications to you in a form that you can retain.  You have the option to view, save, or print PDF versions of your account documents from the Website via desktop, tablet or mobile device.

Copyright © 2020 University Credit Union  13241 S.W. 136 St, Miami, FL 33186