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Credit Card Sign Up: Online Terms & Conditions

Online Credit Card Access Terms & Conditions

 

Definition of Terms

  • The terms "you" and "your" refer to users of the Service.
  • The terms "we", "us", "our" and "United" refer to United Bank.
  • The term "Account" refers to your credit card account with us.
  • The term "Service" refers to United Online Credit Card Access as described in this Agreement, which is available through the United Web site.
  • The term "Password" refers to the code that you use to access the Service.
  • The term "Software" refers to the computer programs through which you are permitted to access the Service.
  • The term "Agreement" refers to this Online Credit Card Access Disclosure Statement and Agreement.

 

  1. PURPOSE. The primary purpose of this Agreement is to authorize credit card payments by electronic means. When you use, or you permit any other person to use, the Service, you agree to the terms and conditions of this Agreement.
  2. SERVICES. You may use the Service to request the following for accounts that may be accessed through the Service:
    • Obtain certain account balance, available credit and transaction information;
    • Schedule the distribution of funds from your checking or savings account to United for credit card payments;
    • Request a credit line increase;
    • Request maintenance on your account.
  3. USE OF PASSWORD; AUTHORIZATION. The primary purpose of this Agreement is to authorize credit card payments. The Password used with the Service acts as the signature of the owner of the account. The Password identifies the user of the Service as an individual who is authorized to conduct transactions from the account and validates the directions given. By using your Password to gain access to the Service and directing us in your use of the Service, you authorize us to follow those directions. All electronic communications that are authenticated and validated by us will be deemed to be valid and given the same effect as written and signed paper communications. Your Password for the Service is a security method by which we are helping you to maintain the security of your account. Therefore, YOU AGREE TO TAKE ALL REASONABLE PRECAUTIONS THAT NO ONE ELSE LEARNS YOUR PASSWORD. You will be denied access to the Service if you do not enter the correct Password or other requested information. We may require you to change your password from time to time for security reasons.
  4. POSTING. Transactions conducted on a business day before 6:00 p. m. (Eastern Standard Time) are posted to your account as of that business day. Transactions conducted at or after 6:00 p. m. (Eastern Standard Time) on a business day will be posted the next business day. Business days are Sunday through Friday. Transactions conducted on Saturday and major holidays will be posted the next business day. Payments made via our Web site by 5:00 p.m. (Eastern Standard Time) on any Monday through Friday that is not a holiday will be credited on the day of receipt. All other payments will be credited within five days of receipt.
  5. ELECTRONIC PAYMENTS. When you authorize us to charge your checking or savings account to make a payment on your Account, you must have enough money in the checking or savings account to cover the payment. If our attempt to charge your checking or savings account is not successful because you do not have enough money in your account or for any other reason, we will not be liable for your losses or damages. Your electronic payments may be subject to terms and conditions required by your bank. You are responsible for obtaining copies from your bank of its terms and conditions and for complying with them. If we receive payment information and/or instructions from you and the information and/or instructions are erroneous in any way, we will have no obligation or liability for the error. Your payment will be posted to your account in accordance with the credit card agreement. Your request to transfer funds from your depository account for payment on your credit card account constitutes your acceptance of this agreement.
  6. ACCOUNT RULES AND REGULATIONS. You agree that the use of the Service is subject to the rules and regulations of each account and any other applicable agreements you have with us. This Agreement will control if there is a conflict between agreements.
  7. FEES. Online Credit Card Access is available at no charge. However, we reserve the right to charge a fee for Online Credit Card Access. You will receive advance notice of any change. Any such fee may be amended from time to time in accordance with these terms and conditions. All other fees applicable to your Account remain in effect.
  8. BUSINESS HOURS. Our business hours are Monday - Friday 8:00 a.m. - 5:00 p.m. and Saturday 9:00 a.m. – Noon. Holidays are not included.
  9. HOW TO CONTACT US. If you believe your Password has been lost or stolen, please contact us immediately by calling an online Customer Service Representative at 1-800-242-7600, or writing to United Bankcard Center, P O Box 1382, Parkersburg, WV 26102. You may be denied access to the Service until the Service is reactivated and a new Password selected.
  10. RECORD OF TRANSACTION. You will receive a monthly billing statement showing the status of your account(s), including transactions that occurred during the past month.
  11. DISCLOSURE OF ACCOUNT INFORMATION. We shall disclose information to third parties about your account(s) or the transactions you make:
    • Where it is necessary to complete transactions or investigate transaction errors and verify transactions;
    • In order to verify the existence and standing of your account(s) with us upon the request of a third party, such as a credit bureau or merchant;
    • In accordance with your written permission; or
    • In order to comply with court orders or government or administrative agency summonses, subpoenas, orders, examinations and escheat reports.
  12. OUR LIABILITY. If we fail to complete a payment to your account on time or in the correct amount according to our agreement with you, we may be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance, if:
    • There are insufficient funds in your checking or savings account to make the payment though no fault of ours;
    • The funds in your checking or savings account are unavailable;
    • The transaction you requested exceeded the funds in your checking or savings account plus any available overdraft credit;
    • Your password has been reported as lost or stolen or your service privileges have been suspended;
    • We have a reason to believe that the transaction requested is unauthorized;
    • The failure is due to an equipment breakdown which you knew about when you started the transaction
    • The failure was caused by an act of God, fire or other catastrophe, or by an electrical or computer failure or by another cause beyond our control, despite reasonable precautions we have taken;
    • You attempt to complete a transaction using the Service which is not a permissible transaction;
    • You have not given us complete information or properly followed our procedures on how to complete the transaction; orThere may be other exceptions in our rules and regulations, or other agreements between us.
  13. LIMITATION ON OUR LIABILITY. UNLESS OTHERWISE PROVIDED IN THIS AGREEMENT OR REQUIRED BY LAW, WE WILL NOT BE RESPONSIBLE FOR ANY LOSSES OR DAMAGES FROM THE USE OF THE SERVICES DESCRIBED IN THIS AGREEMENT, INCLUDING DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL LOSSES OR DAMAGES. WE WILL NOT BE RESPONSIBLE FOR ANY LOSSES OR DAMAGES FROM THE USE OF THE SOFTWARE OR THE EQUIPMENT YOU USE TO ACCESS THE SERVICE, INCLUDING DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL LOSSES OR DAMAGES.
  14. AMENDMENT OF THIS AGREEMENT. We may change the terms of this Agreement at any time, including changes to the Service. We will notify you of the changes as required by law. Your use of the Service, including any new or additional service, after the effective date of the change will constitute your acceptance of and agreement to the change. We have the right to suspend or cancel the Service in whole or in part, at any time, without cause or notice. If the Service is suspended or cancelled, you understand that any scheduled transactions will not be made as scheduled. Suspension or cancellation shall not affect your liability or obligations under this Agreement.
  15. GOVERNING LAW. The terms and conditions of this Agreement are governed by and construed in accordance with the laws of the State of West Virginia, without regard to conflict of law provisions, and federal law.
  16. ASSIGNMENT. We may assign or transfer this Agreement.

 

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