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Members' Advantage Credit Union

Terms and Conditions

The Members' Advantage Credit Union Digital Banking provides a customized and fast Digital Banking experience designed specifically for smartphones and wireless devices.

Digital Banking is a personal financial information management service that allows you access to your Members' Advantage Credit Union account(s) information. Members' Advantage Credit Union does not permit your Passcode or any account information to be stored on your device.

We reserve the right to modify the Services at any time. In the event of any modifications, you are responsible for making sure that you understand how to use Digital Banking as modified. We will not be liable to you for any losses caused by your failure to properly use the Services or your Wireless Device.

The availability, timeliness and proper functioning of Digital Banking depends on many factors, including your Wireless Device location, wireless network availability and signal strength, and the proper functioning and configuration of hardware, software and your Wireless Device. Neither we nor any of our service providers warrants that the Services will meet your requirements, operate without interruption or be error-free, and neither we nor our service providers shall be liable for any loss or damage caused by any unavailability or improper functioning of Digital Banking, or for any actions taken in reliance thereon, for any reason, including service interruptions, inaccuracies, delays, loss of data or loss of personalized settings.

You agree that, when you use Digital Banking, you remain subject to the terms and conditions of your existing agreements with any unaffiliated service providers, including, but not limited to, your mobile service provider (i.e. AT&T, Verizon, etc.) and that this Agreement does not amend or supersede any of those agreements. You understand that those agreements may provide for fees, limitations and restrictions which might impact your use of Digital Banking (such as data usage or text messaging charges imposed on you by your mobile service provider for your use of or interaction with Digital Banking, which may include downloading the Software, receiving or sending Digital Banking text messages, or other use of your Wireless Device when using the Software or other products and services provided by Digital Banking), and you agree to be solely responsible for all such fees, limitations and restrictions. You agree that only your mobile service provider is responsible for its products and services. Accordingly, you agree to resolve any problems with your provider directly without involving us.

Neither we nor any of our service providers assume responsibility for the operation, security, functionality or availability of any related network, Wireless Device or mobile network which you utilize to access Digital Banking.

The Services and Software are provided "As Is" without warranty of any kind, express or implied including, but not limited to warranties of performance or merchantability or fitness for a particular purpose or non-infringement or any other warranty as to performance, accuracy or completeness.

You agree to exercise caution when utilizing the Services on your Wireless Device and to use good judgment and discretion when obtaining or transmitting information.

Neither we nor our service providers are liable for failures to perform our obligations under this Agreement resulting in fire, earthquake, flood or any failure or delay of any transportation, power, computer or communications system or any other or similar cause beyond our control.

You represent that you are the legal owner of the accounts and other financial information which may be accessed via Digital Banking. You represent and agree that all information you provide to use in connection with Digital Banking is accurate, current, and complete and that you have the right to provide such information to us for the purpose of using Digtial Banking. You agree not to misrepresent your identity or your account information. You agree to keep your personal information (email address, etc.) up to date and accurate. You represent that you are an authorized user of the Wireless Device you will use to access Digital Banking.

You agree not to give or make available your Digital Banking password or other means to access your account to any unauthorized individuals. If you permit other persons to use your Wireless Device and PIN or other means to access Digital Banking, you are responsible for any transactions they authorize. If you believe that your PIN, Wireless Device or other means to access your account has been lost or stolen, or that someone may attempt to use Digital Banking without your consent, you must notify us in writing PO Box 1208, Wisconsin Rapids, WI 54495.

IMPORTANT: If your mobile phone is lost or stolen, you should immediately call us at (715) 421-1610 to deactivate the digital banking access. If you later find your mobile device, you can re- enroll the same mobile number.