This Agreement is the contract, which covers your and our rights, and responsibilities concerning eAccess services offered to you. In this Agreement, the words "you" and "yours" mean those who sign the Membership Application or any eAccess authorization form. The words "we," "us," and "our" mean the Volt Credit Union ("Credit Union"). The word "account" means any one or more share or loan accounts you have with the Credit Union. By signing a Membership Application or completing and returning an eAccess Request form on the eAccess service, you agree to the following terms governing your and our rights and responsibilities concerning the eAccess electronic funds transfer services. Electronic funds transfers ("EFTs") are electronically initiated transactions involving your deposit accounts at the Credit Union through your personal computer (eAccess).

  1. eAccess Services. Upon approval, you may use your personal computer to access your accounts. You must use your eAccess password to access your accounts. You will need a personal computer and access to the Internet (World Wide Web). You are responsible for the installation, maintenance and operation of your computer. The Credit Union will not be responsible for any errors or failures involving any telephone service or your computer. At the present time, you may use the eAccess service to:

    • Transfer funds between your savings, checking, and loan accounts.

    • Review account balance and transaction history for your savings, checking, and loan accounts.

    • Review information on your loan account including payoff amounts, due dates, finance charges, interest rate, and balance information.

    • Request that a withdrawal from any savings, checking, or Line-of-Credit loan be mailed to you in check form.

  2. Transactions involving your deposit accounts will be subject to the terms of your Membership and Account Agreement and transactions involving a line of credit will be subject to your Loan agreement and Disclosures, as applicable.

  3. eAccess Service Limitations. The following limitations on eAccess transactions may apply:

    • Transfers. You may make funds transfers to your other accounts as often as you like. However, transfers from your savings accounts will be limited to a total of six (6) in any one calendar month, by eAccess, MemberConnect, requested by telephone, or transfer to checking for overdraft protection. You may transfer or withdraw up to the available balance in your account or up to the available credit limit on a line of credit loan at the time of the transfer, except as limited under this Agreement or your deposit or loan agreements. The Credit Union reserves the right to refuse any transaction that would draw upon insufficient or unavailable funds, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. If you do not use the eAccess Service for two consecutive billing cycles we reserve the right to terminate your service.

    • Account Information. The account balance and transaction history information may be limited to recent account information involving your accounts. Also, the availability of funds for transfer or withdrawal may be limited due to the processing time for any ATM deposit transactions and our Funds Availability Policy.

    • E-Mail. The Credit Union may not immediately receive E-mail communications that you send and the Credit Union will not take action based on E-mail requests until the Credit Union actually receives your message and has a reasonable opportunity to act. If you need to contact the Credit Union immediately regarding an unauthorized transaction or stop payment request, you may call the Credit Union at the telephone number set forth in Section 4.

  4. Security of Access Code. The personal identification number or password that you select is for your security purposes. The password is confidential and should not be disclosed to third parties or recorded. You are responsible for safekeeping your password. You agree not to disclose or otherwise make your password available to anyone not authorized to sign on your accounts. If you authorize anyone to use your password, that authority shall continue until you specifically revoke such authority by notifying the Credit Union. If you fail to maintain the security of your password and Credit Union suffers a loss, we may terminate your electronic funds transfer and account services immediately.

  5. Member Liability. You are responsible for all transfers you authorize using the eAccess services under this Agreement. If you permit other persons to use your password, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once if you believe anyone has used your password and accessed your accounts without your authority. Telephoning is the best way of keeping your possible losses down. For eAccess transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone accessed your account without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or password, and we can prove that we could have stopped someone from accessing your account without your permission if you had told us, you could lose as much as $500. Your liability for unauthorized loan transactions through the eAccess service is $50. Also, if your statement shows eAccess transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may be liable for the full amount of the loss if we can prove that we could have stopped someone from making the unauthorized EFT transactions. If a good reason (such as a hospital stay) kept you from telling us, we may extend the time periods. If you believe your password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, 

    Call: (417) 862-0471 Or write: Volt Credit Union
    PO Box 1217
    Springfield, MO 65801-1217  

  6. Business Days. Our business days are Monday through Friday. Holidays are not included.

  7. Fees and Charges. Basic access to the eAccess service is free.

  8. Right to Receive Statements. Transfers and withdrawals transacted through eAccess will be recorded on your periodic statement. You will receive a statement monthly.

  9. Account Information Disclosure. We will disclose information to third parties about your account or the transfers you make:

    • As necessary to complete transfers;

    • To verify the existence of sufficient funds to cover specific transactions upon the request of a third party, such as a credit bureau or merchant;

    • To comply with government agency or court orders;

    • If you give us your express permission.

  10. Credit Union Liability for Failure to Make Transfers. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable for instance:

    • If, through no fault of ours, you do not have enough money in your account to make the transfer, your account is inactive, or the transfer would go over the credit limit on your line of credit, if applicable.

    • If you used the wrong password or you have not properly followed any applicable computer, or Credit Union user instructions for making transfer transactions.

    • If your computer fails or malfunctions or the eAccess service was not properly working and such problem should have been apparent when you attempted such transaction.

    • If circumstances beyond our control (such as fire, flood, telecommunication outages, strikes, equipment or power failure) prevent making the transaction.

    • If the funds in your account are subject to an administrative hold, legal process or other claim.

    • If you have not given the Credit Union complete, correct and current instructions so the Credit Union can process a transfer.

    • If, through no fault of ours, a funds transfer transaction does not reach a particular creditor and a fee, penalty, or interest is assessed against you.

    • If the error was caused by a system beyond the Credit Unions control such as a telecommunications system or Internet service provider. ? If there are other exceptions as established by the Credit Union.

  11. Termination of Electronic Fund Transfer Services. You agree that we may terminate this Agreement and your electronic fund transfer services, if you, or any authorized user of your eAccess services or password breach this or any other agreement with us; or if we have reason to believe that there has been an unauthorized use of your accounts or password. In addition, we reserve the right to terminate the service if you fail to use the service for more than two consecutive billing cycles. You or any other party to your account can terminate this Agreement by notifying us in writing. Termination of service will be effective the first business day following receipt of your written notice. Termination of this Agreement will not affect the rights and responsibilities of the parties under this Agreement for transactions initiated before termination.

  12. Notices. The Credit Union reserves the right to change the terms and conditions upon which this service is offered. The Credit Union will mail notice to you at least thirty (30) days before the effective date of any change, as required by law. Use of this service is subject to existing regulations governing your Credit Union account and any future changes to those regulations.

  13. Billing Errors. In case of errors or questions about your eAccess transactions, telephone us at the phone numbers or write us at the address set forth in Section 4, paragraph 3 as soon as you can. We must hear from you no later than sixty (60) days after we sent the first statement on which the problem appears

    • Tell us your name and account number.

    • Tell us the dollar amount of the suspected error.

    • Describe the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. If you tell us orally, we may require that you send us your complaint in writing within ten (10) business days.

  14. We will tell you the results of our investigation within ten (10) business days after we hear from you and will correct the error promptly. For errors related to transactions occurring within thirty (30) days after the first deposit to the account (new accounts), we will tell you the results of our investigation within twenty (20) business days. If we need more time, however, we may take up to forty-five (45) calendar days to investigate your complaint or question, ninety (90) calendar days for new account transaction errors, or errors involving transactions initiated outside the United States. If we decide to do this, we will re-credit your account within ten (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 question in writing and we do not receive it within ten (10) business days, we may not re-credit your account. If we decide after our investigation that an error did not occur, we will deliver or mail to you an explanation of our findings within three (3) business days after the conclusion of our investigation. If you request, we will provide you copies of documents (to the extent possible without violating other members rights to privacy) relied upon to conclude that the error did not occur.

  15. Enforcement. You agree to be liable to the Credit Union for any liability, loss, or expense as provided in this Agreement that the Credit Union incurs as a result of any dispute involving your accounts or services. You authorize the Credit Union to deduct any such liability, loss, or expense from your account without prior notice to you. This Agreement shall be governed by and construed under the laws of the state of Missouri as applied to contracts entered into solely between residents of, and to be performed entirely in, such state. In the event either party brings a legal action to enforce the Agreement or collect any overdrawn funds on accounts accessed under this Agreement, the prevailing party shall be entitled, subject to Missouri law, to payment by the other party of its reasonable attorneys fees and cost, including fees on any appeal, bankruptcy proceedings, and any post-judgment collection actions, if applicable. Should any one or more provisions of this Agreement be determined illegal or unenforceable in any relevant jurisdiction, then such provisions may be modified by the proper court, if possible, but only to the extent necessary to make the provision enforceable and such modification shall not affect any other provision of this Agreement.

Mobile Deposit Terms and Conditions


The remote deposit capture services ("Mobile Deposit" or "Services") are designed to allow you to make deposits to your share or draft accounts from your camera-enabled mobile device capable of capturing check images and information and electronically delivering the items and associated deposit information to Volt Credit Union “Volt” or Volt Credit Union’s designated processor. The device must capture an image of the front and back of each check to be deposited in accordance with the Procedures; must read and capture the magnetic ink character recognition ("MICR") line on each check; and must read and capture all such other data and information as is required by this Agreement or Federal Reserve regulations for the processing of these checks for payment. Volt offers the benefits and convenience of the Services to you free. Volt reserves the right to charge fees for the Services in the future.

 Hardware and Software requirements:

You must have a Mobile Device that is acceptable to us and a wireless plan from a compatible mobile wireless provider. You must also use the operating system(s) and software that satisfies all technical specifications and other requirements that we and/or our service provider(s) establish and specify. We and/or our service provider(s) may change these specifications and/or requirements from time to time.  Volt is not responsible for any third-party software you may need to use the Services. You agree that you will perform, or cause to be performed by properly trained personnel, all vendor recommended maintenance, repairs, upgrades and replacements.    Unless otherwise provided in this Agreement, you are solely responsible, at your own expense, for purchasing, installing, operating, testing and maintaining all hardware and software necessary to use the Service. You must install and test your Mobile Device, your system, and any other required hardware and software before you make your first deposit through the Service. You accept any such software “as is” and subject to the terms and conditions of the software agreement that you enter into directly with the third-party software provider at the time of download and installation.� We are not responsible for, and you release us from, any and all claims or damages resulting from, or related to, any computer virus or related problems that may be associated with using the Service, e-mail or the Internet.  You agree that all images and files transmitted to us through the Service will contain no viruses or any other disabling features that may have an adverse impact on our network, data, or related systems.�

 Deposit Limits:

Volt reserves the right to establish and assign to you deposit limits for the Service (including limits on the dollar amount and/or number of Checks that you may transmit through the Service each day) and to modify such limits from time to time in Volt’s sole discretion, and you agree to comply with all such limits.  Your current check amount limit is shown on the mobile deposit screen.�

 Fees and Charges:

Volt offers the benefits and convenience of the Services to you free. Volt reserves the right to charge fees for the Services in the future.

 Endorsements and Procedures:

You agree to restrictively endorse any item transmitted through the Services as "FOR MOBILE DEPOSIT ONLY" or as otherwise instructed by Volt. You agree to follow any and all other procedures and instructions for use of the Services as Volt may establish from time to time. Endorsements must be made on the back of the share draft or check within 1½ inches from the top edge, although we may accept endorsements outside this space. Any loss we incur from a delay or processing error resulting from an irregular endorsement or other markings by you will be your responsibility. For a check payable to you and any joint owner(s) of your account, the check must be endorsed by all such payees and you may only use Mobile Deposit to deposit such check into an account jointly owned by all such payees. If the check is payable to you or your joint owner, either of you can endorse it. If the check is made payable to you and any non-joint owner, you may not deposit the check into your credit union account using the Services.

 Check requirements (including image quality):

The image of an item transmitted to Volt using the Services must be legible and contain images of the front and back of the Check. The image quality of the items must comply with the requirements established from time to time by the American National Standards Institute ("ANSI"), the Board of Governors of the Federal Reserve Board, or any other regulatory agency, clearing house or association. These requirements include, but are not limited to, ensuring the following information can clearly be read and understood by sight review of the Check image: the amount of the Check (both written and numeric); the payee; the signature of the drawer (maker); the date; the Check number; the information identifying the drawer and the paying financial institution that is preprinted on the Check including the MICR line; and all other information placed on the Check prior to the time of 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).

 Rejection of deposits:

After we receive Check images and all other required deposit information from you through the Service, we shall provisionally credit your designated account for the total amount of such Checks.  The provisional credit is subject to final payment of the Checks and is also subject to your Credit Union Account Agreement.  �You agree that all deposits received by us are subject to verification and final inspection and may be rejected by us in our sole discretion, and you shall be liable to Volt for any errors, inaccuracies, breach of warranties and any other loss sustained by, or claim made against Volt relating to such deposits.� Volt is not liable for any service or late charges that may be imposed against you due to Volt’s rejection of any Check that you transmit for deposit through the Service. In all cases, you are responsible for any loss or overdraft plus any applicable fees to your account due to a Check being returned. You acknowledge and agree that, while we normally provide notice of rejected deposits, we may reject any Check transmitted through the Service in our sole discretion without notice to you, and we will not be liable for any such rejection or failure to notify you of such rejection.� If we reject a Check for remote deposit, you must physically deposit the original Check. Types of check that are not accepted include:

  • Checks or items payable to any person or entity other than you (including third-party checks and checks with multiple payees)

  • Post-dated or stale-dated checks

  • Checks or items containing an obvious alteration to any of the fields on the front of the check or item which you know or suspect, or should know or suspect to be fraudulent

  • Checks or items not payable in United States currency

  • Items drawn on Financial Institutions located outside the United States

  • Items previously converted to a substitute check or those previously submitted for deposit either remotely or in persons

  • Items stamped 'non-negotiable'

  • Photocopies of checks

  • Incomplete checks

  • Checks drawn on the account they're being deposited into

  • Consumer loans, credit card, and mortgage payments

  • Starter, counter, or temporary checks

  • Savings bonds

  • Checks that require authorization

  • State-issued registered warrants

  • Checks from a closed account

  • Checks purporting to be a lottery or prize winning

  • Checks from 'Secret Shopper' offers

Unpaid checks:

Should you fail to produce the original check, you authorize us to deduct that amount from your account.You are solely responsible for verifying that Checks that you deposit by using the Service have been received and accepted for deposit by Volt.  Volt will provide you with notice of any deposits that it is unable to process because Checks were returned unpaid by the payor financial institution. You agree to accept such notices at your e-mail address on file with us, but we may choose any reasonable method for providing such notices to you.   In the event that Volt credits your account for a Check that is subsequently dishonored and returned, you authorize Volt to debit the amount of such Check plus any associated fees from the account. To the extent that funds in your account are insufficient to cover such amount, we shall debit the deficiency amount from any of your other account(s) with Volt in our sole discretion. Our right to charge your account(s) will apply without regard to whether the Check was timely returned or whether there is any other claim or defense that the Check was improperly returned.   You understand and agree, that since the original Check is your property, it will not be returned and Volt may charge back an image of the Check, an ACH debit, or other electronic or paper debit, as applicable, to your account.  You further agree that any image that we charge back may be in the form of an electronic or paper reproduction of the original Check or a substitute check.� You may not use the Service to deposit a substitute check and you may not deposit the original Check through the Service or in any other manner if you receive a dishonored Check.  You agree to comply with any additional instructions we may provide to you in connection with returned Checks.

 Duty to report errors:

Volt will provide you with periodic statements that will identify the deposits that you make through the Service.  In addition, you may access Volt’s eAccess online banking service for information about your deposits, return items, deposit adjustments, Checks and other transactions on your accounts.� You agree that it is your responsibility to review all such information that Volt makes available to you in a timely manner to verify that deposits made through the Service have been received and accepted by Volt and are accurate. Receipt of a Check by Volt through the Service does not constitute an acknowledgement by Volt that the Check is error-free or that we will be liable for the Check.   You agree to notify us promptly of any errors, omissions, or discrepancies in a deposit within the time periods established in your Credit Union Account Agreement.� You may notify us by e-mailing us at (email address), or writing to (Volt Credit Union, P.O. Box 1217, Springfield, MO 65801-1217) or telephoning us at (417-862-0471).   You agree to cooperate in any investigation by Volt of any unsuccessful or lost transmission. Subject to applicable law, any failure by you to notify Volt of any error, omission or other discrepancy in accordance with this Agreement and your Credit Union Account Agreement shall relieve Volt of any liability for such error, omission or discrepancy.

 Availability of service/Contingency:

In the event you are unable to capture, balance, process, produce or transmit a file to Volt, or otherwise comply with the terms or the Procedures for any reason, including but not limited to, communications, equipment or software outages, interruptions or failures, you will transport or mail the originals of all checks to the closest Volt location. The deposit of original checks at an office of Volt shall be governed by the terms and conditions of the Deposit Account Agreement and not by the terms of this Agreement.

 Storage, security and destruction/disposal of the checks:

After you receive confirmation that we have received an image, you must securely store the original Check for 14 days after transmission to us and make the original Check accessible to us at our request. Upon our request from time to time, you will deliver to us within two Business Days, at your expense, the requested original Check in your possession. If not provided in a timely manner, such amount will be reversed from your account. Promptly after the 14-day retention period expires, you must destroy the original Check by first marking it "VOID" and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of the original Check, the image will be the sole evidence of the original Check. You agree that you will never re-present the original Check. You understand that you are responsible if anyone is asked to make a payment based on an original check that has already been paid.

 Presenting checks more than once:

Once you have used the Service to deposit a Check you agree not to present, or allow anyone else to present, that original Check or a substitute check of that original Check again for deposit through the Service or by any other means. If you or anyone else present a Check or substitute check for deposit more than once, in violation of this Agreement, you agree to indemnify, defend and hold Volt harmless from and against all liability and damages that may result from any claims, suits or demands from third parties with respect to such Check or substitute check.  You agree that we may debit from your Volt account the aggregate amount of any Checks that that are deposited more than once.  To the extent that funds in your account are insufficient to cover such amount, we shall debit the deficiency amount from any other of your account(s) with Volt in our sole discretion.

 Your Authentication method:

You agree that we are entitled to act upon instructions we receive with respect to the Service under your user ID, password, test key or other code or authentication method that we require (these components are referred to herein collectively as your “Authentication Method”). You are liable for all transactions made or authorized with the use of your Authentication Method. We have no responsibility for establishing the identity of any person who uses your Authentication Method. You agree that if you give any component of your Authentication Method to anyone or fail to safeguard its secrecy, you will be in violation of your obligations under your Credit Union Account Agreement and this Agreement. You agree to take appropriate steps to ensure that all components of your Authentication Method are protected and kept confidential.  You agree to indemnify and release us from any and all liability, and agree not to make any claim or bring any action against us, relating to our honoring or allowing any actions or transactions that are conducted under your Authentication Method or acting upon instructions, messages or authorizations provided to us using your Authentication Method.  By accessing the Service with your Authentication Method, you authorize us to complete the requested transaction(s) through the Service. Any requests or instructions we receive from you through the Service using your Authentication Method shall be considered “in writing” under all applicable law and shall have the same force and legal effect as a writing signed by you. This includes, but is not limited to, inquiries, deposit transactions, Checks deposited, Check images, changes to accounts or services or any other communication you provide us through the Service using your Authentication Method.�

 Mobile Deposit Terms and Conditions as of 01-03-2017

Phone: 417.862.0471 | 888.430.7199
815 W Tampa, Springfield MO 65802
1220 E Walnut Lawn, Springfield MO 65804
PO Box 1217, Springfield MO 65801-1217
e-mail: esupport@communityfinancial.org