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Policies and Disclosures

Privacy Policy
Customer Identification Program (CIP)
Online Banking Disclosure
VISA Account Agreement

Privacy Policies

Our Policy On Confidentiality
We respect your privacy. We have never shared nonpublic information except as required by law and we will continue to protect your privacy.

Our Privacy Disclosure Policy
Categories Of Information That We May Collect

We collect nonpublic personal information about you from the following sources:

  • Information we receive from you on applications or other forms, such as: your name, address, social security number, assets, and income.
  • Information about your transactions with us, our affiliates, or others, such as: your account balance, payment history, parties to transactions, and credit card usage.
  • Information we receive from a consumer reporting agency, such as: your creditworthiness and credit history.

Categories Of Information That We Disclose
We do not disclose any nonpublic personal information about our members or former members to anyone, except as required by law.

Disclosure As Permitted By Law
We may disclose all of the information we collect, as described above, to service providers and companies that perform marketing services on our behalf (for example-check printing companies)

Confidentiality and Security
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.
If you ever have questions or concerns about the integrity of your account information, please contact us.

Customer Identification Program (CIP)
Identification Program as required by the USA Patriot Act Important information about procedures for opening a new account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obatin, verify, and record information that identifies each person who opens an account.

What this means for you:
When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents. In some cases, identification will be requested for current account holders if original documentation was not obatained with the opening of the account. We ask for your understanding as we work to support these efforts to maintain the security of your funds and our country.

Online Banking and Bill Payment Electronic Funds Transfer Disclosure and Agreement
This Online Banking and Bill Payment Electronic Funds Transfer Disclosure and Agreement as amended from time to time ("Agreement") sets forth the terms and conditions governing the use of La Loma Federal Credit Union's Online Banking Electronic services, Online Banking, and "Bill Payment". Disclosure information that applies to Online Banking and Bill Payment services offered by La Loma Federal Credit Union is given below. Please read this Agreement completely and retain it with your personal records. By using, or allowing another person to use, Online Banking and Bill Payment services offered by La Loma Federal Credit Union, you are agreeing to be bound by the terms and conditions of this Agreement. In this Agreement, the terms "you" and "your(s)" refer to the member, and the terms "we", "us", "our(s)" and "Credit Union" refer to La Loma Federal Credit Union. All agreements and disclosures shall be construed in accordance with the provisions of the California Uniform Commercial Code (UCC). This Agreement is incorporated by this reference and becomes a part of La Loma Federal Credit Union's Electronic Funds Transfer Disclosure and Agreement effective April 24, 2002. All other terms and conditions of your Electronic Funds Transfer Disclosure and Agreement, as amended, remain in force.

Electronic Disclosure of Online Banking and Bill Payment Electronic Funds Transfer Disclosure and Agreement
By accessing the Online Banking and Bill Payment services, you acknowledge electronic receipt of the Credit Union's Online Banking and Bill Payment Electronic Funds Transfer Disclosure and Agreement. You agree that you have read this Agreement in its entirety and will abide by its terms and conditions. You understand that the Credit Union will not provide you with an additional paper (non-electronic) copy of this Agreement unless you specifically request it.

Who is Bound by this Agreement
Each person ("signer") who completes the online Express Line /Online Banking Application and Agreement and/or enters their PIN/Personal Access Code or signs the Express Line/Online Banking Application and Agreement agrees to be bound by the terms and conditions of this Agreement. If more than one person signs the Application and Agreement, enters their PIN/Personal Access Code, or completes the online Application and Agreement, all signers are jointly and severally liable. The Credit Union can waive or delay enforcement of its rights as to one signer without affecting its ability to enforce its rights as to the other signers. The Agreement is also binding upon your heirs, personal representatives and successors. By accessing the system, or authorizing anyone else to access the system, and/or by signing the Application and Agreement, you agree to be bound by the terms and conditions of the Agreement.

Right to Receive Documentation of Transactions
You will receive a monthly account statement reflecting all of your transactions unless there is no activity in a particular month. In any case you will receive a statement at least quarterly. If you have arranged to have direct deposits made to your account at least once every sixty (60) days from the same person or company, you can call us at (909) 796-0206 to find out whether or not the deposit has been made. If the only possible transfers to or from your account are direct deposits or pre-authorized deposits, you will get at least a quarterly statement from us.

Your Liability for Lost, Stolen or Unauthorized Transactions
Tell us AT ONCE if you believe your PIN or Personal Access Code has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money in you account plus your maximum overdraft line of credit. If you tell us within sixty (60) days of our sending you the statement on which the unauthorized use appears, you can lose no more than $50.00 if someone used your PIN or Personal Access Code without your permission. Also, if your statement shows transactions that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the time periods.

If you have authorized someone else to use the PIN or Personal Access Code, you are responsible for all transactions that person or persons initiates at any time, even if the amount or transactions exceed what you may have authorized, unless you notify us that transfers by that person or persons are no longer authorized.

How to Notify the Credit Union in the Event of an Unauthorized Transaction
If you believe your access code has been lost or stolen or someone has transferred or may transfer money from your account without your permission, call us at (909) 796-0206 or write to us at PO Box 906 Loma Linda, CA 92354.

Business Days
For purposes of these disclosures, our business days are Monday through Friday, excluding holidays.

Personal Identification Number
We will issue you a Personal Identification Number (PIN). This number should be memorized. After memorizing it, you should destroy it. Your accounts can only be accessed by the use of an access device with the PIN. If you forget your PIN, contact the Credit Union and we will issue you a new one.

Our Liability for Failure to Make Transfers
If we do not complete a transaction to or from your accounts 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 transaction; the transaction would go over the credit limit on your credit line;
  • the network system was not working properly and you were aware of the malfunction when you started the transaction; circumstances beyond our control (such as fire, flood, power failure, or computer down-time) prevented the transactions despite reasonable precautions that we have taken; the money in your account is subject to an uncollected funds hold, legal process or any other encumbrance or agreement restricting a transaction; your PIN/Personal Access Code has been entered incorrectly;
  • the payee mishandles or delays a payment sent by our bill payment service provider; you have not provided our bill payment service provider with the correct names, addresses, phone numbers, or account information for those persons or entities to whom you wish to direct payment; or the failure to complete the transaction is done to protect the integrity of the system or to protect the security of your account.

There may be other exceptions not specifically mentioned above.

Charges
All charges associated with our Online Banking and Bill Payment services electronic funds transactions are disclosed in our Fee Schedule.

Disclosure of Account Information to Third Parties
We will disclose information to third parties about your account or the transfers you make:

  • when it is necessary to complete the transaction;
  • in order to verify the existence and condition of your account for a third party, such as a credit bureau or Payee;
  • in order to comply with government agency or court orders or other legal process; or
  • if you give us your prior oral or written permission.

Address Change
You are required to keep the Credit Union informed of your current address to insure correct mailing of monthly statements.

Amendments
The Credit Union may change the terms and conditions of this Agreement from time to time by mailing written notice to you at your address as it appears on our records. If any change results in greater cost or liability to you or decreases access to your accounts, you will be given at least twenty-one (21) days prior notice of the change. Prior notice may not be given where an immediate change in terms or conditions is necessary to maintain the integrity of the system and/or the security of our Internet Banking services or designated accounts.

Termination
You may terminate this Agreement with us at any time. The Credit Union reserves the right to terminate this Agreement and/or your use of Internet Banking Services with or without cause. We may do so immediately if:

  • you or any authorized user of your account breaches this or any other agreement with the Credit Union;
  • we have reason to believe that there has been or might be an unauthorized use of your account; or
  • you or any authorized user of your account requests that we do so.

Collection Costs
You agree to pay the Credit Union our reasonable expenses, including court costs and attorney's fees, for enforcing our rights under this Agreement.

Additional Benefit Enhancements
The Credit Union may from time to time offer additional services to you in connection with your accounts. 
Some services may be at no additional cost to you and others may involve a specified fee. You understand that the Credit Union is not obligated to offer such services and may withdraw or change them at any time.

Reservation of Rights
Failure or delay by the Credit Union to enforce any provision of this Agreement or to exercise any right or remedy available under this Agreement, or at law, shall not be deemed a waiver and the Credit Union expressly reserves the right to enforce such provision, or to exercise such right or remedy, at a later date.

Other Agreements
Except as stated otherwise in the Agreement, this Agreement does not alter or amend any of the terms or conditions of any other agreement you may have with the Credit Union.

Severability
If any part of this Agreement should be held to be unenforceable, the remaining provisions of this Agreement shall remain in full force and effect.
In Case of Errors or Questions About your Electronic Transfers

Telephone us at (909) 796-0206, email us at This email address is being protected from spambots. You need JavaScript enabled to view it. , or write to us at PO Box 906 Loma Linda, CA 92354, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

  • Tell us your name and account number (if any).
  • Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
  • Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will tell you the results of our investigation within 10* business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45** days to investigate your complaint or question. If we decide to do this, we will credit your account within 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 10 business days, we may not credit your account. If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.

* If you assert an error within 30 days after you make the first deposit to your account, we will have 20 business days instead of 10 business days.

** If you give notice of an error within 30 days after you make the first deposit to your account, or notice of an error involving a transaction initiated outside the U.S., its possessions and territories, we will have 90 days instead of 45 days to investigate. Right to Stop Payment of Preauthorized Transfers, Right to Receive Notice of Varying Amounts, and Our Liability for Failure to Stop Payment.

A. Right to stop payment and procedure for doing so.
If you have told us in advance to make regular payments out of your account, you can also stop any of these payments. Here's how: Call (909) 796-0206, or write us at PO Box 906, Loma Linda, CA 92354, in time for us to receive your request three business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within fourteen (14) days after you call.

B. Notice of varying amounts.
If these regular payments vary in amount, the person you are going to pay will tell you ten (10) days before each payment, when it will be made and how much it will be. You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.

C. Liability for failure to stop payment of preauthorized transfers.
If you order us to stop one of these payments three (3) business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.

Additional Disclosures Applicable to Online Banking
Transactions Available
You may use Online Banking to perform the following transactions:

  • Obtain account/loan balances and histories;
  • Obtain loan payment due date and payoff information;
  • Obtain current year-to-date and prior year's dividends;
  • Obtain current year-to-date and prior year's loan interest;
  • Obtain clearance of specific checks;
  • Transfers funds between your savings and checking accounts;
  • Transfer funds to another La Loma Federal Credit Union member's account (cross member transfer - must be authorized)
  • Make loan payments;
  • Transfer funds from your Line of Credit to your savings and checking accounts;
  • Track up to 20 stocks; and
  • Download transaction information to personal financial management software from savings and checking account or loans.

Additional Disclosures Applicable to Bill Payment
Transactions Available

You may use Bill Payment to perform the following transactions:

  • Add/Edit Payees: Payee refers to the entity to which you pay bills. The Payee can be a company, organization, or individual. The Add/Edit Payee feature allows you to add Payees to delete Payees from or edit Payee information on your personal list of Payees.
  • Make nonrecurring payments from your checking account: This feature allows you to schedule one-time payments to Payees. This feature enables you to specify the amount of the payment and the processing date.
  • Make recurring payments from your checking account: This feature allows you to schedule recurring payments to Payees.
  • View History: View History permits you to see payments made over a specified time period.
  • View Pending Payments. With this feature, you can verify and correct payment information prior to payment processing.

Limitations on Transactions
The following are limitations to the use of the Credit Union's Bill Payment service:

  • The maximum bill payment amount is $9,999.00 per payment;
  • Bill payments can only be made from your checking account;
  • Payments cannot be made for tax payments, court-ordered payments or payments to payees outside of the United States;
  • If you close the designated bill payment account, all scheduled payments will be stopped;
  • You cannot stop a payment if the payment has already been processed;
  • You can schedule payments 24 hours a day, seven days a week, however, payments scheduled on a Saturday, Sunday, or holiday will be processed within one to two business days;
  • The bill being paid must be in the member's name; and
  • No more than six preauthorized, automatic, or telephone transfers may be made from your savings account or money market deposit account to another account at the Credit Union or to a third party in any calendar month, and no more than three of these six transfers may be made by check, draft, debit card, or similar order payable to a third party. If you exceed, or attempt to exceed, these transfer limits, the excess transfer requests may be refused or reversed, a fee may be imposed on the excess transfer request, and the Credit Union may reclassify or close your account.

Methods and Restrictions
Payments are made to your payee either electronically via the Automated Clearing House (ACH) or by check or laser draft. The method of payment depends upon the processing method that can be accommodated by the payee or by our Bill Payment service provider.

It is important that you take into consideration what method of bill payment will be used when scheduling bill payments to ensure payment deadlines are met. If the payee accepts electronic bill payment, the payment may take up to four business days to process. If the payee does not accept electronic bill payment, the payment will be sent in a check form, and may take up to ten business days to process.

Member Responsibilities
You are responsible for:

  • any late payment, late fees, interest payments, and service fees charged by Payee(s);
  • any overdraft, NSF or stop payment fees charged by the Credit Union as a result of these transactions;
  • data input of payee information (payment amount(s), name, address and any other pertinent information);
  • written notification to the Credit Union in the event you wish to cancel this service; and
  • you must allow sufficient time for bill payments to be processed so that the funds can be delivered to the Payee on or before the due date.
  • you must be sure that funds are available in your checking account by 8:00pm on the evening before the scheduled processing date.

Identification Program as required by the USA Patriot Act Important information about procedures for opening a new account
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obatin, verify, and record information that identifies each person who opens an account.

What this means for you:
When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents. In some cases, identification will be requested for current account holders if original documentation was not obtained with the opening of the account. We ask for your understanding as we work to support these efforts to maintain the security of your funds and our country.

Visa Account Agreement

If you would like a copy of our Visa Account Agreements please stop by our branch or fill out the form below and it will be mailed to you.

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