Disclosures
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We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
OPCS Federal Credit Union makes loans to qualified borrowers without regard to race, religion, color, national origin, age, sex or marital status, in accordance with federal laws.
We pledge to our members, at OPCS Federal Credit Union, to provide financial services in a friendly environment that promotes convenience, trust and personal service.
Your Money is Safe
Your funds are federally insured up to at least $250,000 by the National Credit Union Share Insurance Fund, a U.S. Government fund managed by the National Credit Union Administration.
To Our Valued Members
OPCS Federal Credit Union would like to thank all our members for years of membership and loyalty to the credit union. OPCS is a member-owned, not-for-profit institution that has been helping our members and their families since 1952. As a member you are eligible to take advantage of a great number of financial products and services. Our staff constantly strives to earn your confidence and business with quality member service.
There is nothing that can equal the valuable benefits of being a member-owner of OPCS Federal Credit Union. Our desire is to always provide our members with premium financial products. All of us at OPCS look forward to continuing to serve all our members for many more years.
Home Banking Disclosure / Terms / Privacy
Introduction
Every members account(s) at OPCS Federal Credit Union is governed by the applicable account disclosure/agreement and the Truth In Savings disclosure you received when you opened your account.
How To Access Your Accounts
To access your account(s) through the OPCS Internet Home Banking (NetBranch) service, you must have your account number and an Internet Home Banking password. This information is requested when you enter the OPCS Home Banking (NetBranch) pages.
The password that is used to gain access to your information should be kept confidential, just as you would keep other PIN numbers and security codes confidential. For your protection we require that you change your Home Banking (NetBranch) access password regularly. It is also recommended that you memorize this password and do not write it down. You are responsible for keeping your password, account numbers and other account data confidential. If you believe that your password may have been lost or stolen, or that someone has transferred or may transfer money between accounts without your permission, notify OPCS Federal Credit Union immediately at 716-662-1311 or write:
OPCS Federal Credit Union
4000 N. Buffalo Rd.
Orchard Park, NY 14127
There are no monthly fees and/or transaction fees for accessing your account(s) through the OPCS Internet Home Banking (NetBranch) service. We do not intend to charge in the future for the service, but reserve the right to do so after providing 30 days advance notice to all users at the Home Banking login page.
Available Services and Limitations
Transfers
Transfers are effective immediately. You may transfer funds between your Share or Loan Accounts as the account agreements may allow. Transfers from any Share Account except Share Draft (Checking) are limited to six (6) per calendar month in any combination of online, pre-authorized, and telephone transfers.
OPCS Federal Credit Union reserves the right to limit access or cancel on-line access at any time.
Business Day
OPCS Federal Credit Unions business days are Monday through Friday.
Holidays are not included.
Statements: All transactions generated by you through Home Banking (NetBranch) Service and any Home Banking fees will appear on your monthly or quarterly statement.
FACT ACT Notification:
We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report.
Errors and Questions
In the case of errors or questions about your electronic transfers, telephone OPCS Federal Credit Union at 716-662-1311 or write us at 4000 N. Buffalo Rd., Orchard Park, NY 14127 as soon as possible. The credit union must hear from you no later than sixty (60) days after you learn of the error. The following information will be required:
- Your name and account number(s)
- Approximately when the error took place
- Why you believe there is an error and the dollar amount involved
If you inform the credit union verbally, we may require that you send the complaint or question in writing within ten (10) business days. The credit union will inform you of the results of the investigation within ten (10) business days and correct any error promptly. If the credit union requires more time, we may take up to forty-five (45) business days to investigate the complaint, but you will have the use of the funds in question after the ten (10) business days. The credit union may ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your account during the investigation.
If the credit union decides that there was no error, a written explanation will be sent within three (3) business days after the investigation has been completed. You may request copies of the documents that were used in the investigation.
If you require more information regarding the credit unions error resolution procedures you can call
716-662-1311.
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