Latah Federal Credit Union Internet Agreement

Capabilities

Members may use our Online Account Access to perform other tasks normally provided by a teller:

• view savings and loan balances
• make loan payments
• send secure messages to the credit union
• view and download transaction history
• order checks
• send yourself account alerts
• transfer funds
• view and print e-statements

If you have more than one account number we can set up the accounts for cross account transfers. You may set up the authorization for online account access at any LFCU branch.

WHEN ARE TRANSACTIONS POSTED?

Latah Federal downloads and posts transaction requests from this Web site at least three times each business day. We employ a data processing schedule that is designed to emphasize the posting of deposits (including electronic, night-drops and mailed-in deposits) before the posting of check withdrawals. This schedule is designed to help you avoid overdrafts. The exact time varies according to our work load.

When may transaction and balance information be viewed on the Web?

When may transaction and balance information be viewed on the Web? We upload transaction and current balance information to our Web site at least three times each business day. Any transactions initiated after the last upload, usually between 4:30 p.m. and 5:00 p.m., can not be viewed on the Web until the subsequent upload on the morning of the next business day. If you need an immediate transaction conducted on your account, you should call one of our branches or the automated 24-Hour Telephone Service.

SECURITY

You will be provided with a temporary password which is an important part of our security process. We insist that you change your password via this site as soon as you receive it and then periodically thereafter. You must choose a combination of numbers and letters. The password is case-sensitive (e.g. if your password is "aaa1," then "AAA1" will not work).

Multi-factor authentication on our online access products is used to protect the sensitivity of your account information and accessibility. This authentication will require you to provide other information you have previously set-up, in addition to your Personal Identification Number, in order to access your account online.

For security reasons, we will not keep a written record of your password and can not provide you with the password should you forget it.

The services performed within the membership application and loan application sections of this Web site reside on a secure server. Your Internet session is encrypted securely when a picture of a locked padlock or an unbroken key appears in the lower left corner of your browser. For security reasons, we recommend you close your Web browser or log out when you are finished accessing your account information because this information will remain in your web browser's memory until you close the browser.

PROBLEMS LOGGING IN

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Please Note: Links to other web sites from our web site are provided solely as a convenience to you. If you use these links, you will leave the Latah Federal Credit Union web site. We do not have any responsibility for, or control over, any of these sites, their content or their privacy policies. We do not endorse or make any representations about them or any information, products, or materials found there, or any results that may be obtained from using them. If you decide to access any of the linked third parties, you do so entirely at your own risk.