Zeal Credit Union

Terms & Conditions

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By requesting and using one of these Services, you agree to comply with the terms and conditions of this Agreement.1. Definitions:The following definitions apply in this Agreement:• “Authorized Representative” refers to a person with authority (with respect to the account);• “PC” means your personal computer, or other device with an internet browser which enables you, with the Internet browser and ISP, to access your Online Account. • “Bill Payment” is the online service that enables the scheduling of bill payments using a PC. • “ISP” refers to your Internet Service Provider. • “Online Banking” is the internet-based service providing access to your Zeal account(s). • “Online Account” means the Zeal account from which you will be conducting transactions using a Service. • “Password” is the customer-generated code selected by you for use during the initial sign-on, or the codes you select after the initial sign-on, that establishes your connection to the Service. • “Time of day” references are to Eastern Standard Time. • “User ID” is the identification code assigned to you for your connection to the Service. • “We”, “us”, or “Credit Union” refer to Zeal Credit Union which offers the Services and which holds the accounts accessed by the Services. and “You” or “your” refers to the owner of the account or the authorized representative2. Online Banking.If Online Banking is activated for your account(s), you will be required to use secure login information to access the account(s).This service allows you to access all your Credit Union accounts via the Internet 24 hours a day, seven days a week. You can transfer funds between your Credit Union accounts as well as make external transfers. In addition, you can view check images, receive your statements, change your address, order checks, and much more.During Online Banking registration, you will be asked to validate your membership by keying in your address, social security number/tax identification number, date of birth, and contact information. Once your application is approved, you will be able to login to the online banking system.Online Banking Disclosure| 2ZCU_UC_024_121620After the initial login, you will be presented an enhanced security login page where you will be required to change your username and password and provide at least one phone number or email address. This contact information is required and will be used to contact you in the event there is a login from a computer we do not recognize or you request your password to be changed.If you have forgotten your password or are locked out of Online Banking, you may use the “I can’t access my account” feature on the login page to have a one-time password sent to you or you may contact us at 1-800-321-8570, ext. 6500 and speak with a representative. The representative will provide you with a new temporary password that you may use to log into Online Banking and then create a new password.At the present time, you may use Online Banking to:• Transfer funds from your savings and checking accounts.• Obtain balance information for your savings, checking, loan, and certificate accounts.• Make loan payments from your savings and checking accounts.• Access your line of credit accounts.• Access your credit card account.• Access pre-qualified loan offers.• Determine if a particular item has cleared.• Obtain tax information on amounts earned on savings and checking accounts or interest paid on loan accounts.• Verify the last date and amount of your payroll deposit.• Make bill payments to preauthorized creditors.• Obtain account history.• View your periodic statements.• Apply for a loan.• Initiate a wire transfer, check order, ATM, or debit card order.• View cleared check images.• Verify next scheduled loan payment and maturity date for certificate accounts.• Perform Member to Member Transfers - you can transfer funds from your Credit Union checking, savings or loan Accounts to checking, savings or loan accounts in another Credit Union member’s name.• Process a stop payment on a check.• Update address.• Make account to account transfers, see separate Terms and Conditions for more details. 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