Privacy Policy, Notices, and Disclosures

At Mesquite Credit Union, we prioritize the privacy and security of our members' personal and financial information. We are committed to maintaining the confidentiality of the information you entrust to us and ensuring that it is used responsibly and in accordance with applicable laws and regulations.

This page serves as a comprehensive resource to inform you about our privacy practices, legal notices, and important disclosures. We want to provide you with transparency and clarity regarding how we collect, use, and protect your information, as well as your rights and options as a valued member.

Our commitment to privacy and data security extends to every interaction you have with us, whether it's through our website, mobile app, in-person at our branch, or via other communication channels. We want you to have peace of mind knowing that your personal and financial information is handled with the utmost care and in compliance with industry standards.

Privacy Policy

Mobile Privacy Policy

Mobile Privacy Policy
Last Updated: December 2022

Mesquite Credit Union Mobile (the “App”)– powered by Fiserv – helps you control your credit and/or debit cards through your mobile device, making it easy to manage your finances on the go.

The App allows you to:

• get real-time balances for your accounts

• manage your money

• view your transactions and statements

• make transfers

• pay your bills and manage billers

• deposit a check

• receive alerts

• manage cards

This Privacy Policy, in combination with other relevant privacy notices that we provide to you (e.g., pursuant to financial privacy laws), inform you of the policies and practices regarding the collection, use and disclosure of any personal information that we and our service providers collect from or about users in connection with the App’s website and mobile application (the “Services”).

THE TYPES OF INFORMATION WE COLLECT IN THE APP

Through your use of the Services, we may collect personal information from you in the following ways:

(a) Personal Information You Provide to Us.

• We may collect personal information from you, such as your first and last name, address, e-mail, telephone number, and social security number when you create an account.

• We will collect the financial and transaction information necessary to provide you with the Services, including account numbers, payment card expiration date, payment card identification, verification numbers, and transaction and payment history.

• If you provide feedback or contact us via email, we will collect your name and email address, as well as any other content included in the email, in order to send you a reply.

• We also collect other types of personal information that you provide voluntarily, such as any information requested by us if you contact us via email regarding support for the Services.

(b) Personal Information Collected from Third Parties. We may collect certain information from identity verification services and consumer reporting agencies, including credit bureaus, in order to provide some of our Services.

(c) Personal Information Collected Via Technology. We and our service providers may automatically log information about you, your computer or mobile device, and your interaction over time with our Services, our communications and other online services, such as:

• Device data, such as your computer’s or mobile device’s operating system type and version, manufacturer and model, browser type, screen resolution, RAM and disk size, CPU usage, device type (e.g., phone, tablet), IP address, unique identifiers, language settings, mobile device carrier, radio/network information (e.g., WiFi, LTE, 3G), and general location information such as city, state or geographic area.

• Online activity data, such as pages or screens you viewed, how long you spent on a page or screen, the website you visited before browsing to the Service, navigation paths between pages or screens, information about your activity on a page or screen, access times, and duration of access.

• Cookies, which are text files that websites store on a visitor’s device to uniquely identify the visitor’s browser or to store information or settings in the browser for the purpose of helping you navigate between pages efficiently, remembering your preferences, enabling functionality, and helping us understand user activity and patterns.

• Local storage technologies, like HTML5 and Flash, that provide cookie-equivalent functionality but can store larger amounts of data, including on your device outside of your browser in connection with specific applications.

• Web beacons, also known as pixel tags or clear GIFs, which are used to demonstrate that a webpage or email was accessed or opened, or that certain content was viewed or clicked.

• Location Information. If you have enabled location services on your phone and agree to the collection of your location when prompted by the Services, we will collect location data when you use the Services even when the app is closed or not in use; for example, to provide our fraud detection services. If you do not want us to collect this information, you may decline the collection of your location when prompted or adjust the location services settings on your device.

HOW WE USE YOUR INFORMATION COLLECTED IN THE APP

(a) General Use. In general, we use your personal information collected through your use of the Services to respond to your requests as submitted through the Services, to provide you the Services you request, and to help serve you better. We use your personal information, in connection with the App, in the following ways:

• facilitate the creation of, and secure and maintain your account;

• identify you as a legitimate user in our system;

• provide improved administration of the Services;

• provide the Services you request;

• improve the quality of experience when you interact with the Services;

• send you administrative e-mail notifications, such as security or support and maintenance advisories; and

• send surveys, offers, and other promotional materials related to the Services.

(b) Compliance and protection. We may use your personal information to:

• comply with applicable laws, lawful requests and legal process, such as to respond to subpoenas or requests from government authorities;

• protect our, your or others’ rights, privacy, safety or property (including by making and defending legal claims);

• audit our internal processes for compliance with legal and contractual requirements and internal policies;

• enforce the terms and conditions that govern the Service; and

• prevent, identify, investigate and deter fraudulent, harmful, unauthorized, unethical or illegal activity, including cyberattacks and identity theft.

(c) Creation of Non-Identifiable Data. The App may create de-identified information records from personal information by excluding certain information (such as your name) that makes the information personally identifiable to you. We may use this information in a form that does not personally identify you to analyze request patterns and usage patterns to enhance our products and services. We reserve the right to use and disclose non-identifiable information to third parties in our discretion.

DISCLOSURE OF YOUR PERSONAL INFORMATION

We disclose your personal information collected through your use of the Services as described below.

(a) In Accordance with Our Other Privacy Notices. Other than as described in this Privacy Policy in connection with the App, this Privacy Policy does not apply to the processing of your information by us or third parties with whom we share information.

(b) Third Party Service Providers. We may share your personal information with third party or affiliated service providers that perform services for or on behalf of us in providing the App, for the purposes described in this Privacy Policy, including: to provide you with the Services; to conduct quality assurance testing; to facilitate the creation of accounts; to optimize the performance of the Services; to provide technical support; and/or to provide other services to the App.

 (c) Authorities and Others. Regardless of any choices you make regarding your personal information, The App may disclose your personal information to law enforcement, government authorities, and private parties, for the compliance and protection services described above.

LINKS TO OTHER SITES

The App may contain links to third party websites. When you click on a link to any other website or location, you will leave the App and go to another site and another entity may collect personal and/or anonymous information from you. The App’s provision of a link to any other website or location is for your convenience and does not signify our endorsement of such other website or location or its contents. We have no control over, do not review, and cannot be responsible for, these outside websites or their content. Please be aware that the terms of this Privacy Policy do not apply to these outside websites. We encourage you to read the privacy policy of every website you visit.

YOUR CHOICES REGARDING YOUR INFORMATION

You have several choices regarding use of information on the Services.

(a) How We Respond to Do Not Track Signals. Some web browsers transmit “do not track” signals to the websites and other online services with which your web browser communicates. There is currently no standard that governs what, if anything, websites should do when they receive these signals. We currently do not take action in response to these signals. If and when a standard is established, we may revise its policy on responding to these signals.

(b) Access, Update, or Correct Your Information. You can access, update or correct your information by changing preferences in your account. For additional requests, please contact us. 

(c) Opting Out of Email or SMS Communications. If you have signed-up to receive our email marketing communications, you can unsubscribe any time by clicking the "unsubscribe" link included at the bottom of the email or other electronic communication. Alternatively, you can opt out of receiving marketing communications by contacting us at the contact information under "Contact Us" below. If you provide your phone number through the Services, we may send you notifications by SMS, such as provide a fraud alert. You may opt out of SMS communications by unlinking your mobile phone number through the Services.

(d) Opting Out of Location Tracking. If you initially consented to the collection of geo-location information through the Services, you can subsequently stop the collection of this information at any time by changing the preferences on your mobile device. Please note, however, that if you withdraw consent to our collection of location information, you may no longer be able to use some features of the App.

SAFEGUARDS AND RETENTION

We implement reasonable administrative, technical and physical measures in an effort to safeguard the information in our custody and control against theft, loss and unauthorized access, use, modification and disclosure. Nevertheless, transmission via the internet is not completely secure and we cannot guarantee the security of your information.

A NOTE ABOUT CHILDREN

The Services are not directed towards individuals under the age of 18, and we do not, through the App, intentionally gather personal information about visitors who are under the age of 18. If a child under 18 submits personal information to us through the App and we learn that the personal information is the information of a child under 18, we will attempt to delete the information as soon as possible.

PRIVACY POLICY UPDATES

This Privacy Policy is subject to occasional revision. We will notify you of any material changes in its collection, use, or disclosure of your personal information by posting a notice on the Services. Any material changes to this Privacy Policy will be effective thirty (30) calendar days following notice of the changes to the Services. These changes will be effective immediately for new users of the Services. If you object to any such changes, you must notify us prior to the effective date of such changes that you wish to deactivate your account. Continued use of the Services following notice of any such changes shall indicate your acknowledgement of such changes.

CONTACT US

If you have any questions or complaints about this Privacy Policy or The App’s data collection or processing practices, or if you want to report any security violations to The App, please contact The App by email at: Members@mesquitecu.org; or by mail at:

Mesquite Credit Union
1510 N. Galloway Ave.
Mesquite, TX 75149

Complaint Notice

If you have a problem with the services provided by this credit union, please contact us at:

Mesquite Credit Union
1510 N Galloway
Mesquite, TX 75149

Phone: (972) 285-8951
Fax: (972) 289-6801
Email: Members@mesquitecu.org

This credit union is incorporated under the laws of the State of Texas and under state law is subject to regulatory oversight by the Texas Credit Union Department. If the dispute is not resolved to your satisfaction, you may also file a complaint against the credit union by contacting the Texas Credit Union Department at:

Mail: Texas Credit Union Department
914 East Anderson Lane
Austin, Texas 78752-1699

Phone: (512) 837-9236

Email: Complaints@cud.texas.gov

Fax: (512) 832-0278

Website: www.cud.texas.gov

Upon request, a member is entitled to review or receive a copy of the most recent version of the following credit union documents: balance sheet and income statement (the non-confidential pages of the latest call report may be given to meet this requirement); a summary of the most recent annual audit completed in accordance with §91.516 of this chapter (relating to Audits and Verifications); written board policy regarding access to the articles of incorporation, bylaws, rules, guidelines, board policies, and copies thereof; and Internal Revenue Service Form 990.

Mesquite members' funds are insured by the National Credit Union Administration (NCUA), an independent federal agency that charters and supervises federal credit unions. The NCUA administers the National Credit Union Share Insurance Fund (NCUSIF) to insure credit union members' deposits. No federal tax dollars have ever been placed in the Fund, and no member has ever lost money insured by the NCUSIF. 

Your Savings are Federally Insured Up to at Least $250,000

Deposits in Savings and Individual Retirement Accounts (IRAs) are insured separately up to $250,000. This means that your funds are backed by and have the full faith and credit of the US government, up to the standard share insurance limit. So you can rest easy knowing that your funds are safe at Mesquite Credit Union.

Online Banking Terms and Conditions

1. General. The Terms in this Agreement apply to the Internet Home Banking Services (the “Services”). By using the Services or by authorizing anyone else to use the Services, you agree that your use of the Services is governed by the Terms herein, the terms of the Mesquite Credit Union Membership and Account Agreement, and any additional terms, conditions, or disclosures that may be provided to you when your application is approved. In the event of any conflict between the Terms and any other governing terms, conditions, or disclosures, the Terms herein control.

In these Terms, Conditions, and Disclosures, the words “we,” “us,” “our,” and “Credit Union” mean Mesquite Credit Union. “You," “your,” and "user" mean each person who applies for one or more of the services and each Account owner or other person authorized to transact business on any Credit Union Account that may be accessed by way of the Services.

2. Computer Equipment and Software. You may access the Services by visiting our website at www.mesquitecu.org. You need a computer, related equipment, and an Internet connection to use Home Banking. In addition, you need to install Internet browser software on your computer if you do not already have it. Modifications to the services in the future may require installation of upgrades to the browser’s software. You are responsible for installation, maintenance, and operation of your browser’s software. It is your sole responsibility to ensure your personal computer and related equipment are compatible with and capable of operating in a manner that allows you to utilize Home Banking services.

NEITHER THE CREDIT UNION NOR ANY OF ITS SERVICE PROVIDERS MAKES ANY WARRANTY ON ANY EQUIPMENT, HARDWARE, SOFTWARE, OR THE SERVICES, OR WITH RESPECT TO YOUR INTERNET PROVIDER, EITHER EXPRESS OR IMPLIED INCLUDING WITHOUT LIMITATION, ANY WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, UNLESS DISCLAIMING SUCH WARRANTY IS PROHIBITED BY LAW.

We are not responsible for any loss, damage, or injury, whether caused by your equipment or software, the Services, or any technical or editorial errors contained in or omissions from any user guide related to the Services. We are not responsible for any direct, indirect, special, or consequential damages arising in any way out of the installation, use, or maintenance of your equipment, software, or the Services, except where the law requires a different standard. You agree to be bound by and to comply with the requirements set forth in any user’s guide, instructional manual, or other instructions that we may provide to you in connection with the Services.

3. Additional Services. We may introduce new Services or enhance the existing Services from time to time. We will notify you when these new or enhanced Services are available. By using new Services when they become available, you acknowledge and agree that those Services are governed by these Terms as well as any additional terms, conditions, and disclosures that we may provide to you.

4. Overdrafts. You agree that your use of the Services and your User ID and Security Code shall be subject to the Overdrafts provisions set forth in the Membership and Account Agreement. If there are insufficient funds available in your Account or from any form of overdraft protection, we may not process a bill payment that you have arranged for. In such event, you understand and agree that you will be responsible for making alternate payment arrangements with the payee or for rescheduling the payment through the Services. We are under no obligation to process a bill payment for which insufficient funds are available, and we are not required to notify you in such event. In the event we do decide to process a payment for which insufficient funds are available, however, we will charge the total cost of the transaction to you, including any fees or service charges.

5. Safeguarding Your Security Code. When you use the Services, you will access your Accounts by way of a user-defined Security Code. You agree to keep your Security Code in confidence, refrain from disclosing it to any third party other than those to whom you provide your express authorization, and refrain from recording or displaying it in such a manner that it will be accessible by any such third parties. Any person having access to your Security Code will be able to access the Services and perform all transactions, including reviewing Account information and making transfers to other Accounts and other persons. You agree that the use of the Security Code by you, any other applicant, any party to any of your Accounts that may be accessed by the Security Code, anyone you permit or authorize to use your Security Code, and anyone to whom you disclose your Security Code or give access to your Security Code is deemed an authorized use for which you are liable. If you authorize other persons to use your Security Code in any manner, your authorization is considered unlimited in amount and manner until you have notified us in writing that you have revoked the authorization, and you are responsible for any transactions made by any such persons until you notify us in writing that transfers by that person are no longer authorized and we have a reasonable opportunity to act upon your notification.

You are responsible for reporting the loss, theft, or compromise of your Security Code to us as soon as possible after the loss, theft, or compromise. For your security, in the event that someone tries to access your Account without knowing your Security Code, the Services will lock out all access to your Account after a certain number of incorrect Security Code entries. In such event, you must contact the Credit Union to have access to the Services restored.

6. Stop Payment. When you arrange for a Service, you acknowledge and agree that you may not stop payment of Account transfers initiated through your use of the Services, except that, under certain conditions, you may stop payment of certain preauthorized transfers. See the disclosures below for more information concerning your right to stop payment of preauthorized transfers.

7. Termination of the Internet Home Banking Services. You or any other party to your Account can terminate your access to the Services by selecting the appropriate option within the services. Unless otherwise indicated, termination by you applies only to the Internet Home Banking Service and/or Bill Pay Service, does not terminate your other relationships with us, and is effective immediately. Termination of the Bill Pay Service cancels all pending bill payments. If you cancel a pending bill payment, you will be responsible for making alternate payment arrangements with the payee. When you cancel the Bill Pay Service, all payee information and history is deleted and cannot be recovered. Except as otherwise provided in this Agreement, termination of the Services does not affect the rights and obligations of the parties to this Agreement for transactions initiated prior to termination. Notwithstanding your termination of the Services, you remain responsible for any transactions initiated by any person to whom you have furnished your Security Code. We reserve the right to terminate your use of the Services at any time without prior notice.

8. Access. The Services are generally accessible 24 hours a day, seven days a week, except that the Services may be inaccessible for a reasonable period of time each week for system maintenance. We are not liable under this Agreement for failure to provide access to the Services or for service interruptions due to a system failure or other unforeseen acts or circumstances.

9. Amendments to this Agreement. We reserve the right to amend this Agreement and to change these Terms at any time subject to such notice as may be required by applicable law. Your use of the Services following receipt of any such notice constitutes your acceptance of any such change. Use of the Services is subject to our policies, procedures, and existing regulations governing your Accounts and to any future changes to those policies, procedures, and regulations.

10. Enforcement and Governing Law. These Terms are governed by and construed in accordance with the laws of the State of Texas to the extent not pre-empted by applicable federal law, and venue lies in Dallas County, Texas. You agree that if there is any inconsistency between these Terms and any applicable law, regulation, or rule, the terms of this Agreement prevail to the extent that any such law, regulation, or rule may be modified by agreement between us.

Electronic Fund Transfers - Disclosures

The following disclosures provide important information concerning your rights and responsibilities when you make transfers to and from your Accounts using the Services.

1. Contact in Event of Unauthorized Transfer. If you believe your Security Code has been lost, stolen, compromised, or that someone has transferred or may transfer money from your Account without your permission, call or write to us at:

(972) 285-8951

Mesquite Credit Union
1510 North Galloway
Mesquite, TX 75149

2. Transfer Types and Limitations. The following transactions and other features are available through the Services:

(a) Account Access Service. The following transactions are available through the Services:

• Review Account balances and transaction history

• Transfer funds between your Accounts with the same member number except Share IRA and CD Accounts

• Arrange, review, and change scheduled transfers

• Communicate with us using e-mail

• Conduct other transactions permitted by the Credit Union

Scheduled fund transfers received after 2 p.m. EST or on a weekend or a federal holiday will take effect on the next business day. Immediate fund transfers received after 8 p.m. EST Monday through Friday or on a weekend or a federal holiday may not take effect until the next business day.

Limitations on Transfers from Your Credit Union Share Savings Accounts. Government regulations restrict the number of automatic and preauthorized transfers (including transfers by way of data transmission) from your Credit Union Share Savings and Money Market Accounts to no more than an aggregate of six per month per account. Transfers made through your use of the Services are included when counting the permissible number of monthly transfers. Transfers from checking Accounts and transfers from any Savings or Money Market Account to make payments on your loans with us do not count against this limitation. We may refuse or reverse a transfer or assess fees, suspend, or close your Account if you exceed these limitations.

(b) Bill Payment Service. The Bill Payment Service allows a user to make prearranged bill payments to third parties. You may set up your own personal database of payees and establish one-time or recurring monthly payments. When you add payees to the Bill Payment Service, you must enter your account number with the payee and the payment address exactly as they appear on your payment stub or invoice. Bill payments may be made from your Checking Account only. You may not make bill payments to tax entities, collection agencies, pursuant to court-orders (for example, court-ordered payments such as alimony, child support, and traffic tickets), payees outside the United States, or to other categories of payees we may establish from time to time. Payments to payees with an Armed Forces postal code (such as AE and AP), to settle securities transactions, to payoff special financing transactions, and unprocessed payments due to debit failures are not prohibited, but are not subject to the guarantee set forth below. We reserve the right to refuse to pay any payee to whom you direct a payment. If we decide to refuse a payee, we will notify you within three business days following the payment Processing Date except in the case of payees that are prohibited from receiving payment as set forth in this paragraph. The term “Processing Date” as used in this Agreement is defined as the date you designate for payment (or the next business day if you schedule a payment to occur after our 2 p.m. cutoff time or on a weekend or a holiday) and the time when we will deduct the funds from your Account. All payments are made in U.S. dollars only.

By providing the Services with the names and account information of those persons or entities to whom you wish to direct payment, you authorize the Services to follow the payment instructions that it receives from you. When the Services receive a payment instruction from you, you authorize the Services to debit your Checking Account on the Processing Date. Sufficient funds must be available in your Checking Account on the Processing Date or the payment may not be made. You are responsible for scheduling payments to arrive to the designated payee by their due date. You acknowledge and agree that you must schedule each Processing Date to occur at least five business days before the payment due date if the payment is to be made by check, and at least two business days before the payment due date if the payment is to be made electronically. Your personal payee list will show whether a payee will receive payment by check or has agreed to receive payments electronically. Subject to the terms and conditions of this Agreement, you authorize us and any third party acting on our behalf to choose the most effective method to process your payment or transfer, including without limitation, electronic, paper, or some other means of payment. For each properly instructed payment, you will receive a transaction confirmation number.

We will process a bill payment on the Processing Date you have designated if we receive your instructions before 2 p.m. central time on a business day we are open. If we receive your instructions after that time or on a weekend or a holiday, we will process the payment on our next business day. If you schedule a bill payment for a future date, we will process the transaction after 2 p.m. Central time on the day you have designated, if that day is a business day. If the Processing Date you have designated is not a business day, then the Processing Date will be the next business day.

Unless you receive a confirmation number, we are not liable for any failure to make a payment, including any finance charges or late fees incurred as a result. It is also important that you schedule the processing date by the time periods prescribed above since the time for the payee to receive your payment may vary according to the particular payee. You must become familiar with the payment processing time for each payee and allow the appropriate number of business days between the processing date and the payment due date subject to the limitations in this agreement. If you follow the procedures for payments as described herein and you are assessed a late charge or finance charges we will pay the payee for those charges. You authorize the payee to release your account payment and fee information to us for the purpose of fulfilling our payment guarantee. In the event that you do not adhere to the obligations set forth in this agreement, including scheduling a payment by the required number of business days before the due date according to the payment method, then we do not guarantee timely payment. In such a case, you will bear full responsibility for all late fees and finance charges, and we will not be liable for any such fees and charges. This disclaimer of liability, however, does not preclude us from working to resolve these types of issues when they arise. If required, we will be responsible for providing provisional credit while investigation is underway.

If we are unable to process a scheduled payment request through the Bill Payment Service, such as for insufficient funds in the designated Account, the transaction will result in a “Failed Payment.” Failed payments will not affect other scheduled payments.

3. Fees. If you have requested and been approved for the Bill Pay Service and you have no bill payment transactions during a statement period, you will be assessed a Bill Pay Non-Usage Fee of $6.50 for each month in which there is no bill payment activity. You authorize us to automatically deduct this fee from your Checking Account each time it is assessed. In the event that funds in your Checking Account are not available, you authorize us to effect automatic payment from any Account on which you are an owner. You must follow the procedures set forth above if you wish to cancel your access to the Services. By using the Services, you may also incur applicable fees as set forth in our Truth-in-Savings Fee Schedule. Pricing for all fees associated with the Services is subject to change.

4. Business Days. Our business days are Monday through Friday excluding federal holidays.

5. Documentation. You will receive a confirmation screen with reference information after every transfer you make. You may save or print this information for your records. All transactions made using the Services will be listed on your monthly Account statement that you receive from us. If you do not receive a monthly Account statement from us, we will send you a statement at least quarterly.

6. Confidentiality. We will disclose information to third parties about your Account or the transfers you make:

Where it is necessary for completing transfers, or In order to verify the existence and condition of your Account for a third party, such as a credit bureau or merchant, or In order to comply with government agency or court orders, or If you give us your written permission

7. Your Liability for Unauthorized Transfers and Advisability of Prompt Reporting. If you believe your Security Code has been lost, stolen, or compromised, you should change your Security Code immediately using the Services.

Tell us AT ONCE if you believe your Security Code has been lost, stolen, or compromised. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your Account. If you tell us within two business days, you can lose no more than $50 if someone used your Security Code without your permission.

If you do NOT tell us within two business days after you learn of the loss or theft of your Security Code, and we can prove we could have stopped someone from using it without your permission if you had told us, you could lose as much as $500.

Also, if your statement shows transfers 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 a hospital stay) kept you from telling us, we will extend the time periods.

8. Preauthorized Transfers.

Right to Stop Payment and Procedure for Doing So. If you have arranged to have scheduled transfers made from your Account you can stop any of these transfers by deleting or changing the transfer through the Scheduled Transfer feature. We must receive your cancellation or change instructions before 2 p.m. central time on the scheduled Processing Date. You may also stop scheduled transfers by calling or writing to us at the number and address listed in Section 10 below. If you call or write, you must notify us in time for us to receive your request at least three business days before the Processing Date. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call. After the Processing Date, electronic payments cannot be stopped. We may be able to stop payments made by check after the Processing Date if we receive your request in adequate time to give us a reasonable opportunity to act on it. In no event, however, will we be liable for not stopping a payment if we receive your request after the Processing Date. A fee as set forth in our Fee Schedule or in any amendment thereto may be imposed for each stop payment order you give.

Liability for Failure to Stop Payment of Preauthorized Transfers. If you order us to stop one of these transfers three business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.

9. Credit Union Liability. 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 adequate funds in your Account to complete a transaction, your Account is closed, or the transaction amount would exceed your credit limit on your line of credit, if applicable.

• If you used the wrong access code or you have not properly followed any applicable computer, Internet access, or user instructions for making transfer and bill payment transactions.

• If your computer fails or malfunctions or the Service were 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, organized labor 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 us complete, correct, and current instructions so that we can process a transfer.

• If the error was caused by a system beyond our control, such as your Internet Service Provider.

• If you do not authorize a transfer soon enough for your transfer to be made.

• If you have closed the Account to or from which the transfer was to be made.

• If there are other exceptions that we may establish from time to time.

Our sole responsibility for an error in a transfer is to correct the error, but in no case will we be liable for any indirect, special, incidental, or consequential damages. In states that do not allow the exclusion or limitation of liability for indirect, special, incidental, or consequential damages, our liability is limited to the extent permitted by applicable law.

10. In Case of Errors or Questions about Your Electronic Transfers.

Call us at:

(972) 285-8951

Or write us at:

Mesquite Credit Union
ATTN: Internet Home Banking
1510 North Galloway
Mesquite, TX 75149

as soon as you can, if you think your statement is wrong or if you need more information about a transfer listed on the statement. We must hear from you no later than 60 days after we send you the FIRST statement on which the problem or error appeared.

(i) Tell us your name and Account number.

(ii) 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.

(iii) 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 ten business days.

We will tell you the results of our investigation within ten 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 ten 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 business days, we may not credit your Account.

For errors involving new Accounts, we may take up to 90 days to investigate your complaint or question, and we may take up to 20 business days to credit your Account for the amount you think is in error.

We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

Questions? Give us a call at (972) 285-8951.

Online Bill Pay Terms and Conditions

Bill Payment Service.

The Bill Payment Service allows a user to make prearranged bill payments to third parties. You may set up your own personal database of payees and establish one-time or recurring monthly payments. When you add payees to the Bill Payment Service, you must enter your account number with the payee and the payment address exactly as they appear on your payment stub or invoice. Bill payments may be made from your Checking Account only. You may not make bill payments to tax entities, collection agencies, pursuant to court-orders (for example, court-ordered payments such as alimony, child support, and traffic tickets), payees outside the United States, or to other categories of payees we may establish from time to time. Payments to payees with an Armed Forces postal code (such as AE and AP), to settle securities transactions, to payoff special financing transactions, and unprocessed payments due to debit failures are not prohibited, but are not subject to the guarantee set forth below.We reserve the right to refuse to pay any payee to whom you direct a payment. If we decide to refuse a payee, we will notify you within three business days following the payment Processing Date except in the case of payees that are prohibited from receiving payment as set forth in this paragraph. The term “Processing Date” as used in this Agreement is defined as the date you designate for payment (or the next business day if you schedule a payment to occur after our 2 p.m. cutoff time or on a weekend or a holiday). All payments are made in U.S. dollars only.

By providing the Services with the names and account information of those persons or entities to whom you wish to direct payment, you authorize the Services to follow the payment instructions that it receives from you. When the Services receive a payment instruction from you, you authorize the Services to debit your Checking Account on the Processing Date. Sufficient funds must be available in your Checking Account on the Processing Date or the payment may not be made. You are responsible for scheduling payments to arrive to the designated payee by their due date. You acknowledge and agree that you must schedule each Processing Date to occur at least five business days before the payment due date if the payment is to be made by check, and at least two business days before the payment due date if the payment is to be made electronically. Your personal payee list will show whether a payee will receive payment by check or has agreed to receive payments electronically. Subject to the terms and conditions of this Agreement, you authorize us and any third party acting on our behalf to choose the most effective method to process your payment or transfer, including without limitation, electronic, paper, or some other means of payment. For each properly instructed payment, you will receive a transaction confirmation number.

We will process a bill payment on the Processing Date you have designated if we receive your instructions before 2 p.m. central time on a business day we are open. If we receive your instructions after that time or on a weekend or a holiday, we will process the payment on our next business day. If you schedule a bill payment for a future date, we will process the transaction after 2 p.m. Central time on the day you have designated, if that day is a business day. If the Processing Date you have designated is not a business day, then the Processing Date will be the next business day.

Unless you receive a confirmation number, we are not liable for:

Any failure to make a payment, including any finance charges or late fees incurred as a result. It is also important that you schedule the processing date by the time periods prescribed above since the time for the payee to receive your payment may vary according to the particular payee. You must become familiar with the payment processing time for each payee and allow the appropriate number of business days between the processing date and the payment due date subject to the limitations in this agreement. If you follow the procedures for payments as described herein and you are assessed a late charge or finance charges we will pay the payee for those charges. You authorize the payee to release your account payment and fee information to us for the purpose of fulfilling our payment guarantee. In the event that you do not adhere to the obligations set forth in this agreement, including scheduling a payment by the required number of business days before the due date according to the payment method, then we do not guarantee timely payment. In such a case, you will bear full responsibility for all late fees and finance charges, and we will not be liable for any such fees and charges. This disclaimer of liability, however, does not preclude us from working to resolve these types of issues when they arise. If required, we will be responsible for providing provisional credit while investigation is underway.

Fees.

If you have requested and been approved for the Bill Pay Service and you have no bill payment transactions during a statement period, you will be assessed a Bill Pay Non-Usage Fee of $6.50 for each month in which there is no bill payment activity. You authorize us to automatically deduct this fee from your Checking Account each time it is assessed. In the event that funds in your Checking Account are not available, you authorize us to effect automatic payment from any Account on which you are an owner. You must follow the procedures set forth above if you wish to cancel your access to the Services. By using the Services, you may also incur applicable fees as set forth in our Truth-in-Savings Fee Schedule. Pricing for all fees associated with the Services is subject to change.

Mobile Deposit End User Agreement

This End User Agreement (this "Agreement") relates only to your use of Mesquite Credit Union (MCU) Mobile Deposit. This Agreement is a legal agreement between you ("you" or "user") and MCU ("MCU", "us", or "we"). Other agreements you have entered into with MCU, including the Account Agreement and Online Account Access Agreement governing your MCU account, are incorporated by reference and made a part of this Agreement. Please read this Agreement carefully and keep a copy of it for future reference.

1.     Service. The mobile deposit service ("Service") is designed to allow you to make deposits to your checking, savings or money market accounts from your mobile device by photographing checks and delivering the images and associated deposit information to MCU or MCU's designated processor. There is currently no charge for the Service. We reserve the right, in our sole discretion, to change, suspend or discontinue the Service immediately and at any time without prior notice to you.

2.     Acceptance of these Terms. You will be required to "Agree" to the terms and conditions outlined in this Agreement prior to fulfilling your enrollment in the Service. By enrolling to use the Service and your use of the Service will also constitute your acceptance to be bound by the terms and conditions of this Agreement. This Agreement is subject to change from time to time and we will notify you of any material change via e-mail or on our website by providing a link to the revised Agreement. Further, MCU reserves the right, in its sole discretion, to change, modify, add, or remove portions from the Service. Your continued use of the Service will indicate your acceptance of the revised Agreement and any such changes to the Service.

3.     Unavailability of Service. The Service may at times be temporarily unavailable due to system maintenance or technical difficulties including those of the Internet service provider and Internet software. If the Service is unavailable, you may make a deposit at our credit union location at 1510 N. Galloway Ave., Mesquite, Texas.

4.     Eligible Items. You agree to deposit only checks as that term is defined in Federal Reserve Regulation CC ("Reg CC"). You agree that the image of the check transmitted to MCU will be deemed an "item" within the meaning of Article 4 of the Uniform Commercial Code. You agree that you will not use the Service to deposit any of the following checks or other items:

a.      Checks or items payable to any person or entity other than you, including those endorsed to you by such party.

b.     Checks or items containing obvious alteration to any of the fields on the front of the check or item, or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check or item is drawn.

c.      Checks or item previously converted to a substitute check, as defined by Reg CC.

d.     Checks or items drawn on a financial institution located outside of the United States.

e.      Checks or items that are remotely created checks, as defined in Reg CC.

f.      Checks or items not payable in United States currency.

g.     Checks or items dated more than six months prior to the date of deposit or those checks that are postdated.

h.     Checks or items prohibited by MCU's current procedures relating to the Service or which are otherwise not acceptable under the terms of your MCU account.

i.       Any item that is marked with a "non-negotiable" watermark.

j.       Savings bonds and collection items.

5.     Image Quality. The image of an item transmitted to MCU using the Service must be legible. The image quality of the items must comply with the requirement established from time to time by the American National Standards Institute, the Board of Governors at the Federal Reserve Board, or any other regulatory agency, clearing house or association. If an image that we receive from you for deposit to your account is not of sufficient quality to satisfy our image quality standards, we may reject the image without prior notice to you.

6.     Endorsements and Procedures. You agree to restrictively endorse any item transmitted through the Service as "For mobile deposit only, MCU Account #" or as otherwise instructed by MCU. You agree to follow all other procedures and instructions for use of the Service as MCU may establish from time to time. You agree that we may, in our sole discretion and without prior notice to you, reject items not endorsed as set forth herein or as otherwise established by us from time to time.

7.     Receipt of Items. We reserve the right to reject any item transmitted through the Service, at our sole discretion, without liability to you. We are not responsible for items we do not receive or for images that are dropped during transmission. An image of an item shall be deemed received when you receive a confirmation message from MCU that we have received the image. Receipt of such confirmation does not mean that the transmission was error free or complete.

8.     Availability of Funds. You agree that items transmitted using the Service are not subject to the fund availability requirements of Federal Reserve Board or Consumer Financial Protection Bureau definition of Reg CC. Funds deposited using the Service will be available after MCU receives payment for the funds submitted. MCU may make such funds available sooner based on such factors as credit worthiness, the length and extent of your relationship with us, transaction and experience information, and such other factors as MCU, in its sole discretion, deems relevant. MCU's mobile deposit hours are Monday - Friday between 8:30 a.m. to 4:00 p.m., Central Time, except during holidays and any other day we are not open for business. Transmissions processed after these business hours on a business day, or on any other day that is not a business day are treated as occurring on the next business day.

9.     Disposal of Transmitted Items. Upon your receipt of confirmation from MCU that we have received the image of an item, you agree to prominently mark the item as "Electronically Presented" or "Void" and to ensure that it is not represented for payment, and you agree to never represent the item. You further agree not to allow an item to be deposited or presented for payment more than once to the extent that it could result in the payment of the item more than once. If any item is presented or deposited more than once, whether by image or by other means, we may, in our sole discretion, reject it or return it and charge it against your account. You will promptly provide any retained item, or a sufficient copy of the front and back of the item, to MCU as requested to aid in the clearing and collection process, to resolve claims by third parties with respect to any item, or for MCU's audit purposes. It is recommended that you maintain copies of these items for a period of 60 days.

10.  Deposit Limits. We reserve the right to impose limits on the amount(s) and/or number of deposits that you transmit using the Service and to modify such limits from time to time. If you attempt to initiate a deposit in excess of such limits, we may reject your deposit.

11.  Errors. You agree to notify MCU of any suspected errors regarding items deposited through the Service immediately, and in no event later than 60 days after the applicable MCU account statement is sent. Unless you notify MCU within such 60-day period, such statement regarding all deposits made through the Service shall be deemed correct, and you are prohibited from bringing a claim against MCU for such alleged error.

If there has been an error with respect to any original check or image thereof transmitted to MCU for deposit or a breach of this Agreement, you should immediately contact MCU at: 972-285-8951.

12.  Presentment. The way the items are cleared, presented for payment, and collected shall be in MCU's sole discretion subject to the Account Agreement governing your account.

13.  Ownership and License. You agree that MCU retains all ownership and proprietary rights in and to the Service, associated content, technology, and website. Your use of the Service is subject to and conditioned upon your complete compliance with this Agreement. Without limiting the effect of the foregoing, any breach of this Agreement immediately terminates your right to use the Service. Without limiting the restriction of the foregoing, you may not use the Service (i) in any anti-competitive manner, (ii) for any purpose which would be contrary to MCU's business interest, or (iii) to MCU's actual or potential economic disadvantage in any aspect. You may not copy, reproduce, distribute, or create derivative works from the content and agree not to reverse engineer or reverse compile any of the technology used to provide the Service.

14.  Cooperation. You agree to cooperate with us in the review or investigation of any transactions, including poor quality transmissions or claims.

15.  DISCLAIMER OF WARRANTIES. YOU AGREE YOUR USE OF THE SERVICE AND ALL INFORMATION AND CONTENT (INCLUDING THAT OF THIRD PARTIES) IS AT YOUR RISK AND IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. WE DISCLAIM ALL WARRANTIES OF ANY KIND AS TO THE USE OF THE SERVICE, WHETHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. WE MAKE NO WARRANTY THAT THE SERVICE (i) WILL MEET YOUR REQUIREMENTS, (ii) WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, OR (iii) WILL BE ACCURATE OR RELIABLE. WE FURTHER MAKE NO WARRANTY THAT ANY ERRORS IN THE SERVICE OR TECHNOLOGY WILL BE CORRECTED.

16.  LIMITATION OF LIABILITY. YOU AGREE THAT WE WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER LOSSES RESULTING FROM THE USE OR THE INABILITY TO USE THE SERVICE INCURRED BY YOU OR ANY THIRD PARTY ARISING FROM OR RELATED TO THE USE OF, INABILITY TO USE, OR THE TERMINATION OF THE USE OF THE SERVICE, REGARDLESS OF THE FORM OF ACTION OR CLAIM (WHETHER CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE), EVEN IF MCU HAS BEEN INFORMED OF THE POSSIBILITY THEREOF.

17.  User Representations and Warranties. You represent and warrant to MCU that:

a.      You will only transmit eligible items.

b.     Images will meet the image quality standards of MCU.

c.      You will not transmit duplicate items.

d.     You will not deposit or represent the original item.

e.      All information you provide to MCU is accurate and true.

f.      Each item shall bear all required and authorized endorsements.

g.     Items submitted for deposit for use of the Service are valid items and you will reimburse and indemnify MCU for all loss, damage, and expenses, including reasonable attorneys' fees, incurred by MCU in connection with any invalid or fraudulent item or items.

h.     Items have not been altered.

i.       You will comply with this Agreement and all applicable rules, laws and regulations.

18.  Indemnification. You hereby indemnify and hold harmless MCU and each of its directors, officers, employees, agents, successors and assigns (collectively, "Indemnitees") from and against all liability, loss and damage of any kind (including attorneys' fees and other costs in connection therewith) incurred by or asserted against such Indemnitee in any way relating to or arising out of (a) the Service, (b) any image or item, (c) any failure by you to comply with the terms of this Agreement or breach by you of any of the representations and warranties contained herein, or (d) any failure by you to comply with applicable laws and regulations with respect to the Service. This section shall survive the termination of this Agreement for any reason.

19.  Governing Law. This Agreement, and any rights and obligations under this Agreement, are governed by and interpreted according to the laws of the State of Texas and the United States. Exclusive venue for any dispute with respect to this Agreement shall lie in a court of competent jurisdiction in Dallas County, Texas.