This Agreement governs the use of Premier Credit Union Online Account Access Service, jointly referred to as the "Service, provided by Premier Credit Union, also referred to as PremierOnline. By using the Service to conduct transactions, you agree to the terms of this Agreement. Additional PremierOnline Bill Payment Service Terms & Conditions apply specifically to online bill payment transactions.

Definitions. As used in this Agreement, "account" and "accounts" mean the Premier Credit Union account in which you are either the owner or joint owner. "Loan account" and "loan accounts" mean any loan you have with the Financial Institution. "You," "your," and "yours" mean the person(s) using the Service. "We", "our", "us" and "Financial Institution" refer to the individual Financial Institution (Premier Credit Union) that holds your accounts.

Deposit and Credit Agreements. The terms and conditions in this Agreement shall have priority and take precedence over any existing terms and conditions in existing account and loan agreements you have with us in the event of a conflict.

Required Equipment. In order to use the Online Account Access Service, you need a computer (in this Agreement, your computer and the related equipment are referred to together as your "Computer") with a web browser (either Netscape Navigator 4.0 or higher, Microsoft Internet Explorer 4.0 or higher), a member number, and Online Account Access password. The password is the confidential personal identification number you use to access your account(s) through Online Account Access.

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

The Service. To use Online Account Access, you must have at least one Premier Credit Union personal account and a Online Account Access password. Through Online Account Access, you will have access to any of your Premier Credit Union share accounts or loan accounts. Premier Credit Union reserves the right to deny access to a deposit account or loan account or to deny transactions under certain circumstances.

Description of Online Account Access. The Service allows you to perform some or all of the following functions from your Computer:

Online Account Access Functions and Limitations of Transfers. You may use Online Account Access to (a) transfer funds between your accounts; (b) obtain account balances; (c) obtain history and transaction information on your accounts; and (d) obtain loan account balance information. These features are limited to the extent, and subject to the terms, noted below.

  • Your ability to transfer funds between certain accounts is limited by federal law and the Deposit Agreement. You should refer to the Deposit Agreement for legal restrictions and service charges applicable for excessive withdrawals or transfers. Transfers made using the Online Account Access Service are counted against the permissible number of transfers described in the Deposit Agreement.
  • There may be at least a one-business-day delay in transferring funds between your accounts. Except as provided in this Agreement, all Online Account Access transaction instructions received by 8:00 a.m. CST will be completed that business day. Any instruction received after 5:00 p.m. CST may be completed the next business day.
  • Transactional information for your accounts will be available from Online Account Access for a maximum of three statement cycles from the date of inquiry.

Password and Security. Your Online Account Access personal password is required to access Premier Credit Union’s Online Account Access functions. You agree not to give or make available your password to any unauthorized individual. If you believe your password has been lost or stolen, someone has attempted to use the Online Account Access Service without your consent, your deposit account(s) or loan account(s) have been accessed, or someone has transferred money without your permission, you must notify Premier Credit Union immediately (see Contact Information below). Premier Credit Union does not maintain a record of your password. If you lose or forget your password, contact Premier Credit Union immediately so that you may select a new confidential password.

Your Liability for Unauthorized Transfers. Tell us AT ONCE if you believe your account information and/or password have been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your accounts (plus your maximum overdraft line of credit and open-end credit). If you believe your account information and/or password has been lost or stolen, and you tell us within 2 business days after you learn of the loss or theft, you can lose no more than $50.00 if someone used your account information and/or password without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your account information and/or password, and we can prove we could have stopped someone from using your account/and or password without your permission if you had told us, you could lose as much as $500.00. Also, if your statement shows transfers that you did not make, tell us at once. Premier Credit Union is not responsible for any such items payment transactions or other discrepancies reflected on your statement if you fail to notify us within 33 days of the mailing date of the statement. We also will not be liable for any items that are forged or altered in a manner not detectable by a reasonable person, including the unauthorized use of a facsimile signature machine.

Errors and Questions. Telephone us 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. We must hear from you no later than 33 days after we sent the FIRST statement on which the problem or error appeared. Your inquiry must include:

  1. Your name and account number,
  2. A description of the error or the transfer you are unsure about and an explanation of why you believe it is an error or why you need more information,
  3. The dollar amount of the suspected error, and
  4. The date of occurrence.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will generally tell you the results of our investigation within 10 business days of the receipt of your complaint or question (20 business days if the transaction involved an account opened within the past 30 days). If we need more time, however, we may take up to 45 days. If we decide there was no error, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.

Data Recording. When you access Online Account Access to conduct transactions, the information you enter may be recorded. By using Online Account Access, you consent to such recording.

No Signature Required. When using Online Account Access to conduct transactions, you agree that the Financial Institution may debit your account to complete the transactions, or honor debits you have not signed.

Disclosure of Account Information to Third Parties. We will disclose information to third parties about your account or transfers you made:

  1. When it is necessary to complete the transfers;
  2. In order to verify the existence and conditions of your account for a third party, such as a credit bureau or merchant;
  3. In order to comply with a government agency or court orders; or
  4. If you give us written permission.

Charges. You will not be charged for the "view accounts", or "transfer funds" features of Premier Credit Union’s Online Account Access. NOTE: Your accounts and loan accounts are still subject to the fees, charges, balance requirements, etc. articulated in the Deposit Agreement and Loan Agreement.

Alterations and Amendments. The terms of this Agreement, applicable fees, and service charges may be altered or amended by Premier Credit Union from time to time. In such event, Premier Credit Union shall send notice to you either at your address as it appears on Premier Credit Union’s records or by online notice through Online Account Access. Any continuation of Online Account Access after Premier Credit Union sends you a notice of change will constitute your agreement to such change(s). Further, Premier Credit Union may, from time to time, revise or update the Premier Credit Union program, services, and/or related material(s) rendering such prior versions obsolete. Consequently, Premier Credit Union reserves the right to terminate this Agreement as to all such prior versions of the Premier Credit Union programs, services, and/or related material(s) and limit access to Premier Credit Union’s more recent versions and updates.

Address Changes. You agree to promptly notify Premier Credit Union, in writing or through our secure online home banking service, of any address change.

Terminations or Discontinuations. The use of Online Account Access does not require enrollment on your behalf; therefore, termination of Online Account Access by you is done by not accessing or using the Service. However, any transactions or payments you have previously authorized will be completed as instructed. Neither termination nor discontinuation shall affect your liability or obligation under this Agreement.

Payee Limitations. Premier Credit Union reserves the right to impose a frequency or dollar limit on or refuse to make any payment you have directed. Premier Credit Union is obligated to notify you promptly if it decides to refuse to complete your payment instruction. This notification is not required if you attempt to make payments which are prohibited under this Agreement.


Disputes. In the event of a dispute regarding Online Account Access, you and Premier Credit Union agrees to resolve the dispute by looking to this Agreement. You agree that this Agreement is the complete and exclusive statement of the agreement between you and Premier Credit Union, which supersedes any proposal or prior agreement, oral or written, and any other communications between you and Premier Credit Union relating to the subject matter of this Agreement. If there is a conflict between what one of Premier Credit Union’s employees says and the terms of this Agreement, the terms of this Agreement have final control.
Assignment. You may not assign this Agreement to any other party. Premier Credit Union may assign this Agreement to any present or future, directly or indirectly, affiliated company. Premier Credit Union may also assign or delegate certain of its rights and responsibilities under this Agreement to independent contractors or other third parties.

No Waiver. Premier Credit Union shall not be deemed to have waived any of its rights or remedies hereunder unless such waiver is in writing and signed by Premier Credit Union. No delay or omission on the part of Premier Credit Union in exercising any right or remedy shall operate as a waiver of such right or remedy or any other rights or remedies. A waiver on any particular occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.

Captions. The captions of sections hereof are for convenience only and shall not control or affect the meaning or construction of any of the provisions of this Agreement.

Governing Laws. This Agreement shall be governed by the laws of the jurisdiction in which the Financial Institution is located and by applicable Federal laws and regulations.

Federal Disclosure. You agree to accept this disclosure online rather than a paper disclosure. We recommend you print the entire Agreement and Disclosure for your records. If you are unable to print this, please request a paper disclosure to be mailed to you.

Contact Information
Premier Credit Union
800 9th Street
Des Moines, IA 50309-1202
(515) 282-1611 / toll-free (866) 273-9938
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