Before you sign up for MyBranch, please take a moment to read through the MyBranch Online Services Agreement & Disclosures. Following this, you will be asked to consent to this online delivery system. If you have any questions, please call (803) 367-4100.

MyBranch Online Services Agreement & Disclosures

1. Introduction. This Agreement is the contract which covers your and our rights and responsibilities concerning My Branch online services offered to you by Family Trust Federal Credit Union (“Credit Union”). In this Agreement, the words “you” and “yours” mean those who submit a paper or online authorization form and any authorized users. The word “account” means any one or more share accounts you have with the Credit Union.

By submitting the authorization for the MyBranch service, or by accepting or using the Access Code to make any MyBranch transaction you agree to the following terms governing your and our rights and responsibilities concerning online electronic funds transfer services. Electronic funds transfers (“EFTs”) are electronically initiated transactions through MyBranch online services involving your deposit accounts.

2. MyBranch Services. Upon approval, you may use your personal computer to access your accounts. You must use your member number along with your PIN to access your accounts. The MyBranch service is accessible seven (7) days a week, 24 hours a day. However, from time to time, some or all of the MyBranch services may not be available due to system maintenance. You will need a personal computer and a web browser (such as Netscape Navigator or Microsoft Internet Explorer). The online address for the MyBranch service is You are responsible for the installation, maintenance and operation of your computer and modem. The Credit Union will not be responsible for any errors or failures involving any telephone service or your computer. At the present time, you may use the MyBranch service to:

  • Transfer funds between your Share, Share Draft and Money Market accounts.
  • Transfer funds from your Share Draft and Share account to a consumer loan, home equity line of credit, mortgage loan or VISA.
  • Review account balance, and transaction history for Share Draft, Share, Money Market, Certificate, and IRA accounts
  • Review information on your loan account including payoff amounts, due dates, finance charges, interest rate, and balance information and past statements of yours.
  • Make bill payments from your Share Draft account.
  • Request a withdrawal from any Share, Share Draft, or loan account by check mailed to you.
  • Download account information to Quicken (2004 or prior) or MS Money software programs.
  • Communicate with the Credit Union using the electronic mail (E-mail) feature.

Transactions involving your deposit accounts will be subject to the terms of your Membership Agreement and transactions involving a line of credit account will be subject to your Loan Agreement and Disclosures, as applicable. The Credit Union does not make any warranty, express or implied, to you regarding the Quicken (2004 or prior) or Money software programs including but not limited to any warranty of merchantability or fitness for a particular purpose.

3. MyBranch Service Limitations. The following limitations on MyBranch transactions may apply:

a. Transfers. You may make funds transfers to your other accounts as often as you like. However, transfers from your Share or money market accounts will be limited to a total of six (6) in any one month. You may transfer or withdraw up to the available balance in your account or up to the available credit limit on a line of credit at the time of the transfer, except as limited under this Agreement or your deposit or loan agreements. The Credit Union reserves the right to refuse any transaction that would draw upon insufficient or unavailable funds, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. All checks are payable to you as a primary member and will be mailed to your postal address of record. The Credit Union may set other limits on the amount of any transaction and you will be notified of those limits.

b. Account Information. The account balance and transaction history information may be limited to recent account information involving your accounts. Also, the availability of funds for transfer or withdrawal may be limited due to the processing time for any ATM deposit transactions and our Funds Availability Policy.

c. E-Mail. You may use the e-mail to send messages to us. E-mail may not, however, be used to initiate a transfer or stop payment order on your account. The Credit Union may not immediately receive E-mail communications that you send and the Credit Union will not take action based on E-mail requests until the Credit Union actually receives your message and has a reasonable opportunity to act. If you need to contact the Credit Union immediately regarding an unauthorized transaction or stop payment request, you may call the Credit Union at the telephone number set forth in Section 5.

d. Bill Payment Service. When you apply for the Bill Payment service you must designate your Share Draft account as the account from which payments that you authorize will be deducted. You will be given the ability to set up merchants, institutions or individuals that you would like to pay. You are not permitted to designate governmental agencies or courts. We reserve the right to not allow the designation of a particular merchant or institution.

You or any persons who you have authorized to use your MyBranch Service, member number and PIN can perform the following transactions:

(1) Pay any designated merchant, institution or individual in accordance with this agreement a fixed recurring amount or a variable amount “on demand,” from your designated Share Draft Account.

(2) Obtain information (payee information, payment status information, etc.) about your Bill Payment account status.

(3) Bill Payment Transactions. You authorize us to process Bill Payments from your designated account. You may use the Bill Payment service to initiate three different types of payment transactions:

- “On demand” payments are payments that are not recurring. The payments can be canceled or changed through MyBranch up until 11:00 pm before your Scheduled Send Date.

- “Future” payments are payments that you initiate each payment by setting the payment amount and due date. The payment can be canceled or changed through MyBranch up until 11:00 pm on the business day before the Scheduled Send Date.

- “Recurring” payments are payments that are recurring on a fixed due date and fixed amount. You have an option in the MyBranch to set Automatic Payments to continue indefinitely or set a maturity date. The payment can be canceled or changed through MyBranch up until 11:00 pm before the Scheduled Send Date.

(4) Authorized Payments. When you transmit an Bill Payment instruction to us, you authorize us to transfer funds to make the Bill Payment transaction from your Share Draft account or any other account you designate. We will process Bill Payment transfer requests to those payees you authorize and for whom the Credit Union has the proper payee information. The Credit Union will not process any Bill Payment transfer if we know the required transaction information is incomplete. Additionally, we are unable to transfer payments to entities in the prohibited payment section of the Terms and Conditions Agreement for Internet BillPay Service. In any event, the Credit Union will not be liable for any transaction that contains incorrect information that the Credit Union was not responsible for entering or knowing. If there are insufficient funds in your account to make the Bill Payment request, we may either refuse to make the payment or make the payment and transfer funds from any overdraft protection account you have established. The Credit Union reserves the right to refuse to process payment instructions that reasonably appear to the Credit Union to be fraudulent or erroneous.

(5) Processing Payments. The amount of your requested Bill Payment will be deducted from your account on the Scheduled Send Date and will be posted within two business days of the date that the payment is transmitted to the payee. You will receive a conformation number at the time of each transaction. Therefore, you must have sufficient funds available to cover your payment on the Scheduled Send Date. There is a dollar limit of $9,999.99 (or your available balance) on any single payment.

Bill Payment payments are delivered to the payee either electronically, which may take up to five business days from the Scheduled Send Date, or by check to those payees not set up to accept electronic payments, which may take up to ten business days from the Scheduled Send Date. It is your responsibility to schedule your payments in such a manner that your obligations will be paid on time. You should enter and transmit your Bill Payment instructions at least six (6) business days before a bill is due. If you do not allow sufficient time, you assume full responsibility for any late payments or finance charges that may be imposed as a result of your failure to transmit a timely Bill Payment authorization.

(6) Canceling or Changing Payments. Payments designated as “on demand” transactions cannot be stopped, canceled or changed once your Bill Payment session has ended. You may cancel or stop payment on Future and Recurring Bill Payment instructions under certain circumstances by following the instructions provided. If you discover an error in or want to change a payment instruction (i.e. payment date or payment amount) for a Bill Payment that you have already scheduled for transmission through the Bill Payment service, you may electronically edit or cancel your payment request through the Bill Payment service. Your cancellation request must be entered and transmitted through the Bill Payment service before the date you have scheduled for payment. If your request is not timely entered, you will be responsible for the payment.

If you wish to place an oral stop payment on a recurring Bill Payment transaction, not using the Bill Payment service, the Credit Union must receive your oral stop payment request at least three (3) business days before the Scheduled Send Date. You may call the Credit Union at the telephone number set forth in Section 5 to request a stop payment.

4. Security Code.

a. Initial Access. After you have successfully completed and submitted the MyBranch online application, to initiate your use of the services, you will be required to enter your member number. In addition, you must designate a four (4) digit personal identification number (PIN).

b. Security Code. The PIN (“security code”) that you select is for your security purposes. The security code is confidential and should not be disclosed to third parties or recorded. You are responsible for safekeeping your security code. You agree not to disclose or otherwise make your security code available to anyone not authorized by you to sign on your accounts. If you authorize anyone to have or use your security code, you understand that person may use the MyBranch service to review all of your account information and make account transactions. Therefore, we are entitled to act on transaction instructions received using your security code and you agree that the use of your security code will have the same effect as your signature authorizing transactions.

c. Authorization. If you authorize anyone to use your security code in any manner, that authority will be considered unlimited in amount and manner until you specifically revoke such authority by notifying the Credit Union and changing your security code immediately. You are responsible for any transactions made by such persons until you notify us that transactions and access by that person are no longer authorized and your security code is changed. If you fail to maintain or change the security of these security codes and the Credit Union suffers a loss, we may terminate your electronic funds transfer and account services immediately.

5. Member Liability. You are responsible for all transfers you authorize using the MyBranch services under this Agreement. If you permit other persons to use your security code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once if you believe anyone has used your security code and accessed your accounts without your authority. Telephoning is the best way of keeping your possible losses at a minimum. For MyBranch transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone accessed your account without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or security code, and we can prove that we could have stopped someone from accessing your account without your permission if you had told us, you could lose as much as $500.

Also, if your statement shows MyBranch transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may be liable for the full amount of the loss if we can prove that we could have stopped someone from making the unauthorized EFT transactions. If a good reason (such as a hospital stay) kept you from telling us, we may extend the time periods.

If you believe your security code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call:

(803) 367-4100

or contact us electronically by sending e-mail messages through the MyBranch service:

or write:
Family Trust Federal Credit Union

PO Drawer 10233

Rock Hill, SC 29731

6. Business Days. Our business days are Monday through Friday. Holidays are not included.

7. Fees and Charges. There are certain charges for MyBranch services as set forth below. From time to time, the charges may be changed. We will notify you of any changes as required by law.

a. The MyBranch service is free to members.

b. Bill Payment Service. There is no monthly service fee for the Bill Payment Service, which includes unlimited payments.

8. Transaction Documentation. Transfers and withdrawals transacted through MyBranch will be recorded on your periodic statement which will be sent electronically. You will receive a statement monthly.

9. Account Information Disclosure. We will maintain the confidentiality and privacy of your electronic funds transaction information in accordance with our privacy policy as stated on our website at: However, We will disclose electronic funds transfer information to third parties about your account or the transfers you make in the following limited circumstances:

a. As necessary to complete transfers;

b. To verify the existence of sufficient funds to cover specific electronic transactions upon the request of a third party merchant as allowed by law;

c. To comply with government agency or court orders;

d. If you give us your express permission.

10. Limitation of Liability for MyBranch Services. 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. Our sole responsibility for an error in a transfer will be to correct the error. You agree that neither we nor the service providers shall be responsible for any loss, property damage or bodily injury, whether caused by the equipment, software, Credit Union, or by Internet browser providers such as Netscape (Netscape Navigator browser) and Microsoft (Microsoft Internet Explorer browser), or by Internet access providers or by online service providers or by an agent or subcontractor of any of the foregoing. Nor shall we or the service providers be responsible for any direct, indirect, special or consequential economic or other damages arising in any way out of the installation, download, use, or maintenance of the equipment, software, MyBranch services and Bill Payment services, or Internet browser or access software. In this regard, although we have taken measures to provide security for communications from you to us via the MyBranch and Bill Payment Services and may have referred to such communication as “secured,” we cannot and do not provide any warranty or guarantee of such security. In states that do not allow the exclusion or limitation of such damages, our liability is limited to the extent permitted by applicable law. The Credit Union will not be liable for the following:

a. If, through no fault of ours, you do not have enough money in your account to make the transfer, your account is inactive, or the transfer would go over the credit limit on your line of credit, if applicable.

b. If you used the wrong security code or you have not properly followed any applicable computer, or Credit Union user instructions for making transfer and Bill Payment transactions

c. If your computer fails or malfunctions or the phone lines or Credit Union computer system was not properly working and such problem should have been apparent when you attempted such transaction.

d. If circumstances beyond our control (such as fire, flood, telecommunication outages or strikes, equipment or power failure) prevent making the transaction.

e. If the funds in your account are subject to an administrative hold, legal process or other claim.

f. If you have not given the Credit Union complete, correct and current instructions so the Credit Union can process a transfer.

g. If, through no fault of ours, a Bill Payment or funds transfer transaction does not reach a particular payee due to changes in the payee address, account number or otherwise; the time you allow for payment delivery was inaccurate; or the payee failed to process a payment correctly, or in a timely manner, and a fee, penalty, or interest is assessed against you.

h. If the error was caused by a system beyond the Credit Union’s control such as a telecommunications system, an Internet service provider, any computer virus or problems related to software not provided by Credit Union.

i. If there are other exceptions as established by the Credit Union.

11. Termination of MyBranch Services. You agree that we may terminate this Agreement and your MyBranch services, if you, or any authorized user of your MyBranch services or security code breach this or any other agreement with us; or if we have reason to believe that there has been an unauthorized use of your Accounts or security code or if you conduct or attempt to conduct any fraudulent, illegal or unlawful transaction, or if we reasonably believe your account conduct poses an undue risk of illegality or unlawfulness.

You or any other party to your account can terminate this Agreement by notifying us in writing. Termination of service will be effective the first business day following receipt of your written notice. Termination of this Agreement will not affect the rights and responsibilities of the parties under this Agreement for transactions initiated before termination.

12. Notices. The Credit Union reserves the right to change the terms and conditions upon which this service is offered. The Credit Union will notify you at least twenty-one (21) days before the effective date of any change, as required by law. This means we will mail you notice or if you have consented to electronic disclosures, we will send it to the e-mail address you have designated. Use of this service is subject to existing regulations governing the Credit Union account and any future changes to those regulations.

13. Statement Errors. In case of errors or questions about your MyBranch transactions, contact us by: telephone at 803-367-4100, or write us at the address set forth in Section 5. We must hear from you no later than sixty (60) days after we sent the first statement on which the problem appears.

-Tell us your name and member number. -Describe the transaction 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 ten (10) business days.

We will tell you the results of our investigation within ten (10) business days after we hear from you and will correct the error promptly. For errors related to transactions occurring within thirty (30) days after the first deposit to the account (new accounts), we will tell you the results of our investigation within twenty (20) business days. If we need more time, however, we may take up to forty-five (45) calendar days to investigate your complaint or question (ninety (90) calendar days for new account transaction errors, or errors involving transactions initiated outside the United States). If we decide to do this, we will re-credit your account within ten (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 ten (10) business days, we may not recredit your account.

If we decide after our investigation that an error did not occur, we will deliver or mail to you an explanation of our findings within three (3) business days after the conclusion of our investigation. If you request, we will provide you copies of documents (to the extent possible without violating other members’ rights to privacy) relied upon to conclude that the error did not occur.

14. Other General Terms.

a. Other Agreements. In addition to this Agreement, you agree to be bound by and will comply with all terms and conditions applicable to your relationship with the Credit Union, as described in your Membership and Account Agreement, prior receipt of which you acknowledge.

b. Severability. In the event that any portion of this Agreement is held by a court to be invalid or unenforceable for any reason, the remainder of this Agreement shall not be invalid or unenforceable and will continue in full force and effect. All headings are intended for reference only and are not to be construed as part of the Agreement.

15. Enforcement. You agree to be liable to the Credit Union for any liability, loss, or expense as provided in this Agreement that the Credit Union incurs as a result of any dispute involving your accounts or services. You authorize the Credit Union to deduct any such liability, loss, or expense from your account without prior notice to you. This Agreement shall be governed by and construed under the laws of the State of South Carolina as applied to contracts entered into solely between residents of, and to be performed entirely in, such state. In the event either party brings a legal action to enforce the Agreement or collect any overdrawn funds on accounts accessed under this Agreement, the prevailing party shall be entitled, subject to South Carolina law, to payment by the other party of its reasonable attorney’s fees and costs, including fees on any appeal, bankruptcy proceedings, and any post-judgment collection actions, if applicable. Should any one or more provisions of this Agreement be determined illegal or unenforceable in any relevant jurisdiction, then such provision be modified by the proper court, if possible, but only to the extent necessary to make the provision enforceable and such modification shall not affect any other provision of this Agreement.

MyBranch Online Delivery Consent

Online. By clicking “I Agree” below, you agree to accept the MyBranch Online Services Agreement and Disclosures online. The following terms and conditions will apply to our delivery and your receipt of the Agreement and Disclosures online. If you have agreed to the terms and conditions of the Agreement, your obligations will not be effective until you receive the disclosures online or by mail.

Scope of Online Consent. Your consent to receive online documents includes the following documents: (1) the MyBranch Online Services Agreement and Disclosures, (2) future documentation including notices of change in terms provided electronically if you have elected e-statements. To access disclosure documents online you must have a computer and modem, web browser, and a printer or ability to download the disclosures for your records that meet the following minimum standards:

- Adobe Acrobat Reader software, 4.0 or higher (you can download this free from our website) (Adobe Acrobat requires 64MB of RAM, 24 MB available disk space, Intel Pentium or Power PC processor – Mac, Windows 95 or higher or Mac OS 8.6 or higher)

- Computer running the latest version of Netscape or Internet Explorer in order to view the site in 128 bit encryption.

Your Rights. You have the right to withdraw your consent to receive future documentation online by withdrawing your consent to receive e-statements. You may give us your withdrawal instructions by phone, mail or e-mail. There are no fees or restrictions on the online access service for choosing to withdraw your consent for online disclosures. You have the right to request and receive a paper copy of the Agreement and Disclosures, and future documentation at any time by contacting any branch office or requesting the documents by telephone (803) 327-0140 or e-mail to: There may be a fee for requesting any paper copy of a document we have previously provided to you electronically.

Electronic Statement Agreement

By clicking “Submit” below, you agree to accept your periodic account statements (e-statements) and related disclosures (e-disclosures) online.

Scope of Consent:

E-Statements. Your e-statements will include the periodic account and transaction activity for your deposit and loan accounts; electronic funds transfer (EFT) services and periodic notice of billing error rights.

E-Disclosures.* Along with your e-statements we will provide future documentation including: notices of change in terms for deposit, EFT or loan services and Annual Privacy Notices.

We will notify you by email when your e-statement is available for viewing on the MyBranch Online banking service. We will use the email address you have provided to send your e-statement notifications. You are responsible for notifying the Credit Union of any changes to your email address. If our e-statement alert is returned as undeliverable, we will make a reasonable attempt to redeliver your email notice electronically. If you do not provide us with an updated email address, you may continue to access your e-statements through the electronic banking service. However, we may discontinue sending e-statement notifications and we reserve the right to terminate your e-statement services.

Hardware/Software Requirements:

You may access your statements as PDF documents. To access disclosure documents online you must have a computer and modem, web browser, and a printer or ability to download the disclosures for your records that meet the following minimum standards:

  • Adobe Acrobat Reader software, 4.0 or higher (you can download this free from our website)(Adobe Acrobat requires 64MB of RAM, 24MB available diskspace, Intel Pentium or Power PC processor – Mac, Windows 95 or higher, Mac OS 8.6 or higher)
  • Computer running the latest version of Netscape or Internet Explorer in order to view the site in 128 bit encryption.

Withdrawal of Consent:

  • You have the right to withdraw your consent to receive future e-statements and e-disclosures.
  • There are no fees or restrictions on the online access service for choosing to withdraw your consent.
  • You may give us your withdrawal instructions by phone at 803-367-4100, by e-mail at, or you may write us at the address listed below:

Family Trust Federal Credit Union

ATTN: Electronic Statements

P.O. Box 10233

Rock Hill, SC 29731

Paper Option:

You have the right to request and receive a paper copy of your e-statements and e-disclosures at any time by contacting us using any of the methods listed above. There may be a fee for requesting any paper copy of a statement or disclosure we have previously provided to you electronically.

  • Family Trust employs all reasonable means to secure e-mail communications.
  • With this agreement however, you acknowledge that the Internet is considered inherently insecure.
  • You agree that Family Trust has no liability to you whatsoever for any loss, claim or damages related to the failure of any electronic communication as a result of circumstances outside of our reasonable control.
  • We have no duty to investigate the validity, or to verify any e-mail communication that we, in good faith, believe you have submitted to us.
  • We may respond to an e-mail at either the address provided with the communication, the e-mail address you provide us in this Agreement, or any other application or written communication actually received by us.
  • Although we have no obligation to do so, we reserve the right to require authentication of e-mails or electronic communications.
  • The decision to require authentication is at the sole discretion of Family Trust.
  • We will have no obligation, liability or responsibility to you or any other person or company if we do not act upon, or follow any instruction to us if a communication cannot be authenticated to our satisfaction.

(c)2001, Family Trust Federal Credit Union

I have read the MyBranch Online Services Agreement and Disclosures and agree to the terms and conditions

I have read the Online Delivery Consent statement and wish to use MyBranch.

I have read the Electronic Statement Agreement and wish to receive E-statements.

I agree I disagree