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Agreement & Disclosure

This agreement contains the rules, which govern access to your account(s), with us, using CU 24/7 Online. Please read this information carefully. By accepting, you are agreeing to the conditions below of the use of CU 24/7 Online the internet access system. 

You understand that you cannot use CU 24/7 Online without a PIN (Personal Identification Number), that you will be issued by the Credit Union when you sign up. You may change your PIN at any time on CU 24/7 Online. You are responsible for the safekeeping of the PIN and for all transactions completed by use of CU 24/7 Online. The Credit Union will not keep a record of your PIN.

You will notify the Credit Union immediately and send written confirmation if your PIN is disclosed to anyone other than a joint owner of your account(s). If you disclose the PIN to anyone, however, you understand that you have given him or her access to your account(s) via CU 24/7 Online and that you are responsible for such transactions. You further understand that the PIN is not transferable and you will not disclose the PIN or permit any unauthorized use thereof. If you default on any amounts you owe under this agreement, you agree to pay any and all attorney fees and collection costs incurred by the Credit Union to the extent allowed by law.

Tell us AT ONCE if you believe your PIN has been used by an unauthorized party or stolen. Telephoning is the best way of keeping your losses down. You could lose all the money in your account(s).

If your Statement of Account shows transfers that you did not make, tell us AT ONCE. If you do NOT tell us within thirty (30) days after the statement was mailed to you, you may not get back any money you lost after thirty (30) days, if we can prove that we could have stopped someone from taking the money if you had told us in time. If good reasons (such as a long trip or hospital stay) kept you from telling us, we may extend the time periods.

If you believe your PIN has been lost or stolen, or that someone has withdrawn or may withdraw money from your account(s) without your permission, call (501) 257-2176 or (501) 372-4654 or write Fort Roots Federal Credit Union, P.O. Box 733, North Little Rock, AR. 72115.

Our business hours are: Monday through Friday, 8:00 a.m. to 3:30 p.m. except all Federal Holidays.

You understand that the credit union reserves the right to discontinue access to CU 24/7 Online without notice and will not be liable for failure to honor any transaction.

Amendments to this agreement may be provided to you, in accordance with applicable laws, without restatement of terms. The use of CU 24/7 Online is subject to such other terms, conditions and requirements as the Credit Union may establish from time to time. The Credit Union must give a 21 day notice if it makes any changes in this agreement.

Transactions made through CU 24/7 Online are binding on the Credit Union only after verification by the Credit Union. Transactions after 2:00 p.m. on normal business days may be posted to the appropriate account(s) on the next business day after the date of such transactions. There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one day. The total dollar amount of transactions via CU 24/7 Online are subject to limits set by the Credit Union, and sufficient verified funds must be available to satisfy transaction instructions. The Credit Union reserves the right to impose charges at a future date after giving you notice of such service charges.

Loan balances shown in your account may not reflect the true payoff of the loan.  Please call the Credit Union at (501) 257-2176 or (501) 372-4654 to get a true payoff quote. In order to use CU 24/7 Online, you need a computer with a web browser, an account number and CU 24/7 Online PIN.

You are responsible for the installation, maintenance, and operations of your Computer, browser and the software. Fort Roots Federal Credit Union is not responsible for any errors or failure from any malfunction of your Computer, the browser or the software. Fort Roots Federal Credit Union is also not responsible for any Computer virus or related problems that may be associated with the use of the online system.

IN CASE OF ERROR OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFER, telephone us at (501) 257-2176 or (501)372-4654 or write Fort Roots Federal Credit Union, P.O. Box 733, North Little Rock, AR 72115 as soon as you can, If you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt, we must hear from you no later than 30 days after we sent the FIRST statement in which the problem or error appeared:

  • Tell us your name and account number.
  • Describe the error or the transfer you are unsure about, 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 any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question.  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 re-credit your account. If we decide that there was no error, we will send you a written explanation within three (3) business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.

Currently there are no fees or charges for using CU 24/7 Online. All standard fees set forth in your rate and fee schedule applies and can be found on the Fort Roots Federal Credit Union web site. We reserve the right to institute charges for CU 24/7 Online account access or transactions in the future, but only after written notification to you at least 21-days in advance.

CU 24/7 Online will be available for your convenience 24 hours a day, 365 days a year, with minor interruptions for processing. If we do not complete a transfer to your account in time or for 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: (A) if circumstances beyond our control (such as fire or flood) prevent the transfer despite reasonable precautions we have taken; (B) if the party sending us the deposit either fails to generate the correct amount on time; or, (C) if, through no fault of ours, you do not have enough money in your account to make the transfer. There may be other exceptions stated in our agreement with you.



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