This Agreement and Disclosure provides information about the 1st
Liberty eStatement service.
For the purpose of this document, "I", "me",
"my," and "mine" shall refer to each Depositor who signs
up for 1st Liberty's eStatement Service. "You", "your",
or "Credit Union" shall refer to 1st Liberty Federal Credit Union.
has the deposit account accessed through 1st Liberty Bill Payment.
- 1st Liberty's eStatement Service
The 1st Liberty Bill Payment is a consumer electronic banking service. It may be accessed
through our FreedomTeller home banking program using a personal computer through
www.1stliberty.org on the Internet.
- Paper Statements
I agree to receive my periodic account statements online through your eStatement service. My eStatements
will contain the same content as the paper version supplied by the Credit Union which includes: account balances,
transaction activity, electronic funds transfer information, year-to-date and interest. The choice (paper or eStatement)
that is recorded on your system on the last day of the month will be the only method used to deliver that month's
statement. I should allow 2 business days for any change request to become effective.
- eStatement Access
I understand that in order to use 1st Liberty's eStatement service I must have an open account
at 1st Liberty Federal Credit Union.
- Electronic Notification
I agree to accept electronic notifications from 1st Liberty's eStatement service. Such notifications
are used to let me know when my eStatement is available each month. I agree to update 1st Liberty Federal
Credit Union when my e-mail address or other contact information changes. Additionally, I agree to notify
1st Liberty Federal Credit Union if I am not recieving monthly notifications.
- Service Available through 1st Liberty's eStatement Service
The 1st Liberty's eStatement service allows me to:
- Securely view monthly account statements for all accounts including credit card accounts.
- Access up to 18 months of history from the time of eStatement sign-up until such service is cancelled.
Collectively, these are referred to as the "1st Liberty's eStatement service".
- General Information About 1st Liberty's eStatement Service
I may use 1st Liberty eStatement service virtually any time, day or night, 7 days a week. However,
FreedomTeller may be temporarily unavailable due to 1st Liberty Federal Credit Union's record updating, or
technical difficulties. In addition, access to 1st Liberty eStatement service is made available
pursuant to a license agreement by and between 1st Liberty Federal Credit Union and DigitalMailer.
Any interruption of service or access caused by DigitalMailer
will also prevent my use of the service. To utilize the services, I will need to enter my
assigned FreedomTeller Password and otherwise satisfy the system's security procedures.
- Service Fees
1st Liberty Federal Credit Union will not charge a monthly service fee for the use of 1st Liberty
- Security Procedures.
A FreedomTeller Password will be issued to me for security purposes. The Password is confidential and
should not be disclosed to third parties. I am responsible for the safekeeping of the Password. I agree not
to disclose or otherwise make the Password available to anyone not authorized to sign on my accounts.
I represent that I have considered the security procedures of the 1st Liberty eStatement Services and
find that the security procedures are commercially reasonable for verifying that
communication purporting to have been issued by me is, in fact, mine. In reaching this
If the 1st Liberty eStatement Service security procedures are not, in my judgment, commercially reasonable, I
must inform you within 30 days.
- Liability for Unauthorized Use
I will notify you immediately if I believe that my FreedomTeller Password has become known to
an unauthorized person. Telephoning 1-800-824-0585 is the best way of keeping my possible losses to a
If I do not inform you within two banking days after I have learned that my Password has become known to
an unauthorized person, and you can prove that I could have stopped someone from using my Password without
my permission if I had told you, I could be liable up to $500.00.
Also, if my statement shows electronic funds transfers that I did not make, I will notify you
immediately. You may require me to provide my complaint in the form of affidavit. If I do not inform
you within 60 days after the statement was mailed, I may not get back any money I lost after the
60 days if you can prove that you could have stopped someone from taking the money if I had told you in
time. If a good reason (such as a long trip or a hospital stay) kept me from telling you, you will extend
the time periods.