Access Agreement

Farmers Insurance Federal Credit Union Internet Banking Agreement & Disclosure
Please read this agreement carefully before following the link at the bottom of this page.

Introduction
This Internet Banking Agreement (IBA) governs your use of Online Banking which permits our members to access a number of financial services through the use of the Internet. Also included in this document are the regulatory disclosures applicable to these services.  Throughout this web site the IBA and Disclosure will be referred to as "Agreement".   By using our Internet Banking service called Online Banking, you agree to all of the terms of this Agreement.   You must read this Agreement before enrolling in Online Banking and initiating any electronic funds transfers via the Internet. By using Online Banking, you agree to all of the terms of this Agreement.  Please read it carefully before following the link at the bottom of this page or accessing any of the Services.  We recommend that you print a copy of this document for your records; however, if you cannot, contact us at the number provided below and we will mail you a copy.    

Accounts and services provided by this financial institution may also be governed by separate agreements with you.  This Agreement supplements any other agreements or disclosures related to your account (s), including the Terms and Conditions of Your Account Agreement  provided to you separately.

Definitions
You or Your - The person(s) subscribing to or using Internet Banking.

Your Credit Union, The Credit Union, We, Us, or Our - Refers to Farmers Insurance Federal Credit Union and any agent, independent contractor, designee, or assignee the Credit Union may involve in the provision of Internet Banking.

Business Day - Any calendar day other than Saturday, Sunday, or any holidays recognized by the Credit Union. Bill payments are processed on all business days that both the Federal Reserve Bank and the US Postal System are operating and open for business.

Business Day Cutoff The Credit Union head office is located in Los Angeles and we base our business day on the Pacific Time zone for posting purposes, we will process all Bill Pay transactions completed by 12:00 p.m. on the prior business date.  Bill Pay Transactions completed after 12:00 p.m., will be processed on the following business day. 

Electronic funds transfers