Unauthorized use is prohibited
Computer Fraud and Abuse Act (Title 18, Section Chapter 1030).

Funds Transfer

Transfers to External Accounts
This service is offered through Cash Edge to members who use Heritage Trust’s Internet Banking. You can transfer funds between your Heritage Trust checking or savings accounts and any external financial institution checking, savings or investment accounts held in your name.

Person to Person Payments (via email)
Also offered through Cash Edge to members who use Heritage Trust’s Internet Banking, this service allows you to send funds via email to anyone in the U.S. who has an email address.

Transfer to External Accounts (via Internet Banking)
When you register to use the external transfer service through Cash Edge, your Heritage Trust Federal Credit Union checking and savings accounts are automatically enabled to perform transfers to and from external financial institution accounts in your name. A trial deposit, generally in amounts less than $1.00 which is funded by Cash Edge, may be made to the designated account during the authentication process. After your receiving account has been authenticated and you verify the trial deposit amount, you are free to make transfers. In & Outbound Combined daily transfers are limited to $2,000 per day or In & Outbound Combined Monthly $5,000 per month per member. A fee will be assessed for each transfer performed through this service, see fee schedule.

Person to Person Payments (via Email)
When you register to use the Person to Person service through Cash Edge, your Heritage Trust Federal Credit Union checking and savings accounts are automatically enabled to send payments. You may choose to send funds to anyone who has Internet access and who has a world wide web email address. The payee must collect the funds by logging into a designated Cash Edge web site using a shared secret code provided by the originator. The payee will then provide a destination account for the funds to be deposited. Person to Person payments are limited to $500 per day and $1000 per month. A fee will be assessed for each person to person payment performed through this service, see fee schedule.

EFT Services Limitations:

1. Transfers which will overdraft or close your checking or savings account are not permitted.
2. Any external or internal transfer, person to person payment or bill pay which creates an overdraft will be charged an insufficient funds (NSF), see fee schedule.
3. If you attempt to send a Person to Person payment from an account with insufficient funds, the payment will be stopped. You will receive an email informing you of the situation. For your convenience, we will resubmit the payment once automatically. In the meantime, for security reasons, the account in question will be temporarily suspended for further transactions. If the payment goes through the second time, we'll send you a follow-up email to let you know, and the account will be reinstated for activity.
   If the payment does not go through on the second try, you will receive an email informing you of the situation. This email will include the contact information of the personnel who can help you resolve the problem.
4. Transfers cannot be made from any account in an unavailable status, such as a dormant or inactive account or an account with a savings account loan for the full balance amount, or from any account subject to legal process or other encumbrance restricting the transfer.
5. There is a limit of 6 withdrawals a month from a savings account that you can make by a preauthorized, automatic or telephonic transfer, and internet to another account with us or a third party.

Posting and Timing of Transactions and Documentation of Transactions

Transfer to External Accounts (via Internet Banking)
External transfers requested Monday through Friday during regular business hours are posted to your destination account once the funds have been successfully drawn from your source account. Your transaction remains "In Process" for the number of days indicated while initiating your transfer from the day you send your request. After that, the status is updated to "Complete", indicating a successful transaction, provided we have not received notice of any problems with the transfer.

Person to Person Payments
Generally available for your payee to collect within two to three business days from the day you have submitted your request. The recipient must complete the collection process within 30 days of receiving email notification of your Person to Person payment. If there has been no response from your payee, the funds are automatically returned to the source account.

Liability for Failure to Make Transfers:
If we do not complete a transfer from or to your account(s) on time or in the correct amount, Heritage Trusts liability is limited to any late fees you may have incurred as a result of the failure to effect the transfers. In addition Heritage Trust is not liable:

1. If, through no fault of ours, your account(s) does not contain enough money to make the transfer, or;
2. If the funds are subject to legal process or other encumbrances restricting such transfer, or;
3. If the transfer would go over the credit limit on an overdraft line of credit you may have, or;
4. If circumstances beyond our control (such as fire or flood) prevent the transfer, and we have taken reasonable precaution to avoid such circumstances.

Service Charges
Transfers to External Accounts
If you have requested an external account transfer, we will charge the account which you are transferring funds from according to the Heritage Trust Fee Schedule for each transfer that you send. If you authorize an External Account transfer that causes your designated Heritage Trust account to overdraft, your account will be charged an overdraft charge (see fee schedule amount). However, Heritage Trust reserves the right to cancel any External Transfer that would cause your designated Heritage Trust account to be overdrafted. All charges will be automatically debited from your designated account at Heritage Trust.

Person to Person Payments
If you have requested a Person to Person payment, we will charge the account which you are authorizing the funds to be withdrawn from according to the Heritage Trust Fee Schedule for each payment that you send. If you authorize a Person to Person payment that causes your designated Heritage Trust account to overdraft, your account will be charged an overdraft charge (see fee schedule for amount). However, Heritage Trust reserves the right to cancel any Person to Person payment that would cause your designated Heritage Trust account to be overdrafted. All charges will be automatically debited from your designated account at Heritage Trust.

Stopping Payment
Transfers to External Accounts
You may cancel an External Transfer any time before the cutoff time (1:00 a.m. EST) by clicking on the "cancel” link next to the transaction in the status column. Once your Transfer Funds request has been transmitted to ACH, you can not cancel the transaction. You may request a second transfer between the same two accounts to attempt to send the funds back to their point of origin (reversing your first transfer).

Person to Person Payments
You can stop a Person to Person payment at any time before the recipient collects the funds by going to your History screen, find the transaction in question, and click "Cancel” next to the transaction under the Status column. You will be asked if you're sure you want to cancel the transaction. Click "Yes." You can also cancel a transaction in the exact same manner from the "Action" column of your Overview screen. The funds will be returned to the account of origin.

Liability for Failure to Stop Payment
If you request to stop one or more payments three (3) business days or more before the transfer is scheduled and we do not do so, Heritage Trust’s liability is limited to any late fees you may have incurred as a result of the failure to effect the transfers. In addition Heritage Trust is not liable:

1. If there is a terminal or equipment failure.
2. If circumstances beyond our control (such as fire or flood) prevent the transfer, and we have taken reasonable precaution to avoid such circumstances.
3. Our failure to stop payment resulted in payment on your behalf of a debt for which you were actually liable and you thereby received the benefit of our payment.

Disclosure of Account Information
All EFT Services
We will disclose information to third parties about your account(s) or transfer(s):

1. Where it is necessary for completing transfers; or
2. In order to verify the existence and condition of your account for a credit bureau; or
3. In order to comply with government agency or court order; or
4. If you give us your written permission.

Amendments
From time to time, we may amend this agreement. If an amendment results in increased cost to perform an EFT transfer or service; increased liability to you; decreases the type of electronic funds transfers available to you; or places stricter limitations on the frequency or dollar amount of transfers, written notice of the amendment will be mailed to your current address as shown on our records at least 21 days before the effective date of the amendment. However, if an immediate change in terms or conditions is necessary to maintain or restore the security of an electronic funds transfer system or account, we will provide written notice of the change to you on the next periodic statement or within 30 days, unless disclosure would jeopardize the security of the system or account.