This agreement and disclosure (“Agreement”) governs the access and usage of online banking, mobile banking, and any services available that are offered through OneUnited OnLine (or “Online Banking”) or our Mobile Banking App (or “Mobile Banking”).
Terms or instructions that appear on a screen when enrolling, registering, activating, accessing, or using our services are also considered a part of this agreement. Services accessed online may include Bill Pay, ExternalTransfers, POP Money, Purchase Rewards, Mobile Deposit, Card Swap, Money Management, and My Turbo Tax, (“Services”) offered by OneUnited Bank (“Bank”). Transactions available may include obtaining balance information, viewing transaction history, and other information. These Services permit OneUnited Bank customers to access accounts and perform a number of authorized transactions on eligible accounts linked to the Services.
This Agreement describes your obligations as a user and the rights and obligations of OneUnited Bank. This Agreement is in addition to, and shall be supplemented from time to time by, additional agreements governing specific services offered to customers while accessing our online services.
Please read this Agreement and any such supplemental service agreements carefully. By requesting and using such services, or authorizing others to use them, you are accepting the terms and conditions of this OnLine Banking Agreement and any such supplemental agreements associated with the Services.
By accessing or using the Services in any manner, you (A) ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTAND, AND AGREE TO THE TERMS OF THIS AGREEMENT (B) You affirm that you are at least 18 years of age (or have reached the age of majority in the jurisdiction where you reside). Your use of these Services may be affected by other agreements between you and OneUnited Bank on your deposit or loan account. Accessing an account through these Services, does not change the agreements you currently have with us for that account. For example, when you access your OneUnited Bank checking account, you do so under the terms and conditions you agreed to in the OneUnited Bank Deposit Account Agreement, the Truth In Savings Disclosure, Online Truth in Savings Disclosure or Business Account Disclosure (www.oneunited.com/disclosures).
By accepting this Agreement, you acknowledge that this is being provided to you exclusively online, and that you consent to the use of this electronic record as required by The Electronic Signatures in Global and National Commerce Act (“E-Sign Act”). Your consent only applies to this Agreement, and any other terms and conditions presented when using the Services. By using the Services described in this Agreement, you demonstrate the ability to access information in the electronic form used to provide this information.
“We”, “us”, “our”, and “Bank” refers to OneUnited Bank, which offers OneUnited OnLine (or “Online Banking”) and OneUnited Bank Mobile Banking (or “Mobile Banking”). “You” or “your” refers to each owner of an eligible account or an Authorized User of online services.
The following definitions apply in this Agreement:
If you are not using one of the supported browsers listed above, you may encounter access issues. We recommend switching to one of the supported browsers listed above in order to ensure you have an optimal Online Banking experience.
Provided none of the foregoing exceptions are applicable, if the Bill Pay Service causes an incorrect amount of funds to be removed from your designated payment checking account or causes funds from your payment account to be directed to a payee which does not comply with your payment instructions, the Bill Pay Service shall be responsible for returning the improperly transferred funds to your designated payment checking account, and directing to the proper payee any previously misdirected transactions, and, if applicable, any late payment related charges.
Any payment(s) the Bill Pay Service has already processed before the requested cancellation date will be completed by the Bill Pay Service. All Scheduled Payments including recurring payments will not be processed once the Bill Pay Service is cancelled. The Bill Pay Service may terminate or suspend Bill Pay Service to you at any time. Neither termination nor suspension shall affect your liability or obligations under this Agreement.
You can enroll in e-Statements once you enroll in Online Banking. e-Statements allow you to view your account statements securely within online banking and conveniently retain a file of your statements for future retrieval. We do not provide statements for Certificate of Deposits.
You are responsible for keeping your Password, User ID, and Online Account information confidential. If you believe your Password has been lost or stolen, please use the Password change feature to change your Password. OneUnited Bank will never call, write, or send an email requesting your Password or User ID. If you receive a call, letter, or email purporting to be from OneUnited Bank requesting your account information or login credentials, please report this activity to us immediately. In order to protect your account, you should adhere to the following guidelines:
Do not send or ask for sensitive information, such as your Password, account information, etc., via any general or public email system. If you wish to Contact Us, please use the secure electronic forms available on www.oneunited.com/ContactUs or call Customer Care at 1-877-663-8648. California residents may also contact us at (323) 290-4848.
All OneUnited Bank accounts for which you enroll in a Service will be linked by the tax identification numbers of the persons authorized to access the account. For example, if an Authorized User of a linked account accesses the Service, that Authorized User will be able to view and access at a single time the following enrolled accounts:
OneUnited OnLine is available to non-Sole Proprietor businesses. If you are a non-Sole Proprietor business, please register the organization and identify the Authorized Users that are Authorized Signers on the account. Authorized Users for the organization may then set up Sub Users to view accounts or specific allowed transactions. Any requirement to verify two or more signatures on any items (such as a check) does not apply to Bill Payment Services which may result in a check or electronic payment being sent to a payee based on the instructions of the Authorized User or Subuser.
The following terms and conditions (the “Terms of CardSwap Service”) constitute a binding agreement between you and OneUnited Bank and its licensors (collectively “We”, “Us” or “Our”) with respect to your use of the CardSwap software (the “Software”), and the Service, “CardSwap” (as defined below) (collectively the “CardSwap Services”).