Latah Federal Credit Union Internet Agreement

WHAT IS ONLINE ACCOUNT ACCESS?

Members may use Online Account Access to view savings and loan balances, transfer funds, order checks, and perform other tasks normally provided by a teller. While we will normally process funds transfer requests and check orders two times each business day, this will not always be possible.

Transactions will normally be made available for viewing on the Web site on the morning of the business day after they post. Transfer of funds can be made between accounts with the same base account number or from another base account number. You must sign a form listing the accounts you are joint owner of that you want to access through "Cross Account Transfers".

WHEN ARE TRANSACTIONS POSTED?

Latah Federal downloads and posts transaction requests from this Web site two 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 withdrawals (including electronic and check transactions). This schedule is thus designed to help you avoid overdrafts.

We first check for your Web transaction requests in the morning before we start posting checks that you have written. This ensures that your checks and electronic debits will be covered by any transfer requests you submitted via this Web site since the prior afternoon.

We check a final time for your transaction requests near the close of our lobby hours. Again, the exact time varies according to our work load.

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

We upload transaction and current balance information to our Web site twice each business day. The first upload is done as soon as electronic debits, electronic credits, night-drop deposits, Web transaction requests and our first batch of members' checks are posted to accounts. This normally is done between 10:00 a.m. and 11:00 a.m. each business day.

The second upload of transaction and balance information is done near the end of each business day after all checks, returns and other transactions have been posted. This upload usually occurs between 4:30 p.m. and 5:00 p.m. Any transactions initiated after this upload may not, of course, be viewed on the Web until the subsequent upload on the morning of the next business day.

SECURITY

For security reasons, we require you close your web browser when you are finished accessing your account information, because this information will remain in your web browser's memory until you close the browser.

You will be provided with a temporary password which is an important part of our security process. We require that you change your password via this site as soon as you receive it and then periodically thereafter. You may choose numbers, upper-case letters and lower-case letters. The password is case-sensitive (e.g. if your password is "aaa1," then "AAA1" will not work). For security reasons, we will not keep a written record of your password, so we can not provide you with the password should you forget it.

The services performed within the Online Account Access, membership application and loan application sections of this Web site reside on a secure server. Our server supports both 40-bit and 128-bit encryption. When one uses 40-bit "international grade" encryption there are many billions of possible "keys" for the "lock" on our information, but only one of these keys will work. With 128-bit "domestic grade" encryption there are many billions of times more possible keys than with 40-bit encryption. Your Internet session is encrypted when an unbroken key appears in the lower left corner of your Netscape browser or, with Microsoft's Explorer, a picture of a lock appears.

An additional security feature is inherent in the Internet. Data is transmitted in small "packets" or segments of the entire file. Since packets of the same message can take very different routes on their way through the Internet, and since the volume of data flowing through the Internet at any given time can be very large, it would be quite difficult for someone to collect all the packets of your transmission and reassemble them in the correct sequence. Since a criminal may only need one critical packet - such as a credit card number - Latah Federal Credit Union relies on additional security features, including encryption.

MULTI-FACTOR AUTHENTICATION

Latah Federal Credit Union is in compliance with NCUA regulations and FFIEC guidelines in implementing multi-factor authentication on our online access products to protect the sensitivity of our member account information and accessibility. Multi-factor 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.

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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.