Terms and Conditions

Last Updated: January 2024

1. Acceptance of Terms

Welcome to Suncoast Credit Union. These Terms and Conditions ("Terms") govern your access to and use of our website suncoastcredit.us.com and online banking services (collectively, the "Services"). By accessing or using our Services, you agree to be bound by these Terms and our Privacy Policy.

If you do not agree to these Terms, you must not access or use our Services.

2. Eligibility

To use our Services, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into binding contracts
• Meet membership eligibility requirements for Suncoast Credit Union
• Provide accurate and complete information during registration
• Reside in the United States
• Not be prohibited from using our Services under applicable law

3. Account Registration and Security

3.1 Account Creation

To access certain features of our Services, you must create an account by providing:

• Valid personal identification information
• Current contact information
• Social Security Number or Tax Identification Number
• Employment and income verification

3.2 Account Security

You are responsible for:

• Maintaining the confidentiality of your login credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized access
• Using strong passwords and updating them regularly
• Not sharing your account credentials with others
• Logging out after each session

3.3 Account Verification

We reserve the right to verify your identity and may request additional documentation. We may suspend or terminate accounts that fail verification.

4. Online Banking Services

4.1 Available Services

Our online banking platform provides access to:

• Account balance and transaction history
• Fund transfers between accounts
• Bill payment services
• Mobile check deposit
• Account statements and documents
• Loan applications and management
• Wire transfers (domestic and international)
• Customer service messaging

4.2 Service Availability

While we strive to provide continuous service, we do not guarantee uninterrupted access. Services may be temporarily unavailable due to:

• Scheduled maintenance
• System upgrades
• Technical difficulties
• Circumstances beyond our control

5. Financial Transactions

5.1 Transaction Authorization

By initiating a transaction through our Services, you authorize us to:

• Debit or credit your account as instructed
• Process payments to designated recipients
• Execute fund transfers between accounts
• Apply applicable fees and charges

5.2 Transaction Limits

We may impose limits on:

• Daily transaction amounts
• Number of transactions per day
• Mobile deposit amounts
• Wire transfer limits

These limits may vary based on account type and history.

5.3 Transaction Processing

Transactions are processed according to the following guidelines:

• Transactions initiated before cutoff time are processed the same business day
• Transactions after cutoff time are processed the next business day
• Weekend and holiday transactions are processed the next business day
• External transfers may take 1-3 business days
• Wire transfers are typically processed within 24 hours

5.4 Transaction Errors

You must notify us immediately of any errors or unauthorized transactions. We are not liable for errors if you fail to notify us within 60 days of the transaction.

6. Fees and Charges

You agree to pay all applicable fees associated with your account and use of Services, including:

• Monthly account maintenance fees
• Overdraft and insufficient funds fees
• Wire transfer fees
• ATM fees (out-of-network)
• Paper statement fees
• Expedited service fees
• Stop payment fees

Current fee schedules are available on our website and may be updated periodically with notice.

7. Mobile Deposit Service

When using mobile deposit, you agree to:

• Deposit only valid, properly endorsed checks
• Ensure check images are clear and legible
• Not deposit the same check more than once
• Retain original checks for 30 days after deposit
• Destroy checks securely after the retention period
• Accept responsibility for deposit accuracy

We reserve the right to reject any mobile deposit at our discretion.

8. Bill Payment Service

Our bill payment service allows you to schedule payments to third-party billers. You agree that:

• You are responsible for ensuring timely payment scheduling
• Payments must be scheduled in advance of due dates
• We are not liable for late fees due to insufficient processing time
• You will maintain sufficient funds for scheduled payments
• Payment processing times vary by biller

9. Electronic Communications

By using our Services, you consent to receive electronic communications from us, including:

• Account statements and notices
• Transaction confirmations
• Service updates and changes
• Marketing communications (opt-out available)
• Legal disclosures and agreements

You may opt-out of marketing communications but cannot opt-out of essential account communications.

10. Intellectual Property

All content on our website, including text, graphics, logos, images, software, and design elements, is the property of Suncoast Credit Union or our licensors and is protected by copyright, trademark, and other intellectual property laws.

You may not:

• Copy, modify, or distribute our content without permission
• Use our trademarks or branding without authorization
• Reverse engineer or decompile our software
• Create derivative works from our content
• Use our content for commercial purposes

11. Prohibited Activities

You agree not to:

• Use our Services for illegal or fraudulent purposes
• Violate any applicable laws or regulations
• Impersonate another person or entity
• Transmit viruses, malware, or harmful code
• Attempt to gain unauthorized access to our systems
• Interfere with the proper functioning of our Services
• Harvest or collect user information
• Use automated systems (bots, scrapers) without permission
• Engage in money laundering or terrorist financing
• Violate sanctions or embargo restrictions

12. Limitation of Liability

13. Indemnification

You agree to indemnify and hold harmless Suncoast Credit Union, its affiliates, officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

• Your violation of these Terms
• Your use of our Services
• Your violation of any rights of third parties
• Your violation of applicable laws

14. Dispute Resolution

14.1 Arbitration Agreement

Any dispute arising from these Terms or our Services shall be resolved through binding arbitration rather than in court, except for:

• Small claims court matters
• Injunctive or equitable relief
• Intellectual property disputes

14.2 Class Action Waiver

You agree to resolve disputes on an individual basis and waive the right to participate in class actions or representative proceedings.

14.3 Governing Law

These Terms are governed by the laws of the State of Florida and applicable federal law, without regard to conflict of law provisions.

15. Account Closure and Termination

15.1 Your Right to Close

You may close your account at any time by:

• Contacting customer service
• Visiting a branch location
• Submitting a written request

You remain liable for all transactions initiated before closure and any outstanding fees.

15.2 Our Right to Terminate

We may suspend or terminate your account and access to Services:

• For violation of these Terms
• For suspected fraudulent activity
• For prolonged account inactivity
• If required by law or regulation
• At our discretion with notice

16. Amendments to Terms

We reserve the right to modify these Terms at any time. We will provide notice of material changes through:

• Email notification
• Website posting
• Account messaging

Continued use of Services after changes constitutes acceptance of modified Terms.

17. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

18. Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices published on our website, constitute the entire agreement between you and Suncoast Credit Union regarding use of our Services.

19. No Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

20. Contact Information

21. Acknowledgment

By using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.