Common use of User ID and Password Clause in Contracts

User ID and Password. In addition to the hardware and software requirements above and having an Account with us, in order to use Alliance eBanking you must have a User ID and Password. The first time you log into Alliance eBanking, you will be required to change the assigned Password and choose a Password known only to you containing a combination of alpha and numeric characters. The Password must be at least six characters and no more than 16 characters. You may change your Password through Alliance eBanking at any time, and we recommend that you change your Password regularly and memorize it. Once you have changed your Password, we will not be able to tell you what it is. Because your User ID and Password are the principal security measures to protect access to your Accounts, you agree to keep all User ID and Password information confidential and to take all reasonable precautions to protect the secrecy of this information. You understand and acknowledge that no person from the Bank will ever ask for your Password. You therefore agree never to provide your Password to anyone claiming to represent us. If you give your User ID or Password or make it available to another person, you authorize that person to access your Accounts through Alliance eBanking and to give the Bank instructions relating to your Accounts as an authorized user. You also authorize us to comply with those instructions even if that person exceeds your authorization or if that person is not a signatory on the Account signature card. The Bank has no responsibility for establishing the identity of any person who uses your Password. You agree that you are liable for any transaction received by the Bank that includes your Password. Except to the extent prohibited by applicable law or regulation, you will be deemed to have expressly authorized any Alliance eBanking transaction facilitated through the Service: a. initiated by you, at your direction, with your User ID and Password, or with your consent (whether expressed or implied), b. initiated by an agent with respect to any Account which you may access through Alliance eBanking, c. initiated by a member of your household, whether or not related to you, d. initiated by any person (or that person’s agent) who is the owner or co-owner of any Account which you may access through Alliance eBanking, e. which results in the transfer of funds between Accounts you may access through Alliance eBanking, even if subsequent transfers out of the Accounts benefit someone else, f. which is to or for your benefit (for example, the payment of a debt for which you are partially or fully liable), or g. which you contend is unauthorized, unless you cooperate fully with us in our investigation of the transaction, assign to us your right of recovery against the wrongdoer if we reconstitute your Account, and cooperate fully with us in the recovery of any loss we sustain and the prosecution of any wrongdoer. Any person initiating the foregoing transactions will be deemed an authorized user except to the extent prohibited by applicable law or regulation.

User ID and Password. In addition to the hardware and software requirements above and having an Account with us, in order to use Alliance eBanking you must have a The User ID and PasswordPassword (“Access Codes”) selected by you are for your security purposes. The first time you log into Alliance eBanking, you will Your credentials are confidential and should not be required disclosed to change the assigned Password and choose a Password known only to you containing a combination of alpha and numeric charactersthird parties. The Password must be at least six characters and no more than 16 charactersYou are responsible for safekeeping your credentials. You may change your Password through Alliance eBanking password at any timetime by clicking on “My Profile”, then “Change Password”. You should carefully select a password that is hard to guess. (We suggest that you stay away from names, dates, and we information that may be easily guessed.) Your Password can include lowercase letters (a-z), uppercase letters (A-Z), Digits (0-9), and symbols (`~!@#$%^&*()_+-=|:;’?,./). It must be between eight (8) and thirty (30) characters and include 3 of the 4 types of characters (for example lowercase letters, uppercase letters, and numbers OR lowercase letters, uppercase letters, and symbols). You should make your password as random as possible. You agree not to disclose or otherwise make your password available to anyone not authorized to sign on your accounts. We strongly recommend that you change do not save your Password regularly password on any computer. If you do so, you agree to absolve us of liability for unauthorized access if you save your password on any computer. You are responsible for all transfers you initiate or authorize using the Service. If you permit any other person or third party to use the Service or your Access Codes or other means to access the Service, you will have authorized that person to access your Accounts, and memorize ityou are responsible for any Electronic Transfers they initiate or authorize using the Service and any agreements that person accepts or acknowledges electronically through the Service. Once You agree to keep your computer, mobile device, or any other device capable of accessing Online Banking or Mobile Banking (“Access Device”) secure and to close your Online or Mobile Banking application when not in use. If you suspect your Access Device has been lost or stolen or if you believe that your Access Codes or other means to access the Service have changed been lost or stolen or that someone has used, or may attempt to use, the Service without your Passwordconsent, you must notify us at once as outlined in Section J. Telephoning is the best way of keeping your possible losses down. If you believe that an unauthorized transfer or payment may have occurred, we may request that you sign an affidavit. To help ensure the security of your records, we will not be able end your online session if we have detected no activity for 15 minutes. This is to tell protect you what it isin case you accidentally leave your Access Device unattended while you are logged on. Because When you return to your Access Device, simply re-enter your User ID and Password are and continue your session. Although the principal security measures Service will not display the full account number for any of your accounts, it may display other sensitive information about your accounts, including account activity, balances and transfer amounts. The Service may not be encrypted. You agree to protect your Access Device that receives information through the Service and not to let any unauthorized person have access to your Accounts, you agree to keep all User ID and Password the information confidential and to take all reasonable precautions to protect the secrecy of this information. You understand and acknowledge that no person from the Bank will ever ask for your Password. You therefore agree never provides to provide your Password to anyone claiming to represent us. If you give your User ID or Password or make it available to another person, you authorize that person to access your Accounts through Alliance eBanking and to give the Bank instructions relating to your Accounts as an authorized user. You also authorize us to comply with those instructions even if that person exceeds your authorization or if that person is not a signatory on the Account signature cardService. The Bank has no responsibility for establishing the identity of any person who uses your Password. You agree that you are will not be liable for losses or damages caused in whole or in part by your actions or omissions that result in any transaction received by the Bank that includes your Password. Except disclosure of account information to the extent prohibited by applicable law or regulation, you will be deemed to have expressly authorized any Alliance eBanking transaction facilitated through the Service: a. initiated by you, at your direction, with your User ID and Password, or with your consent (whether expressed or implied), b. initiated by an agent with respect to any Account which you may access through Alliance eBanking, c. initiated by a member of your household, whether or not related to you, d. initiated by any person (or that person’s agent) who is the owner or co-owner of any Account which you may access through Alliance eBanking, e. which results in the transfer of funds between Accounts you may access through Alliance eBanking, even if subsequent transfers out of the Accounts benefit someone else, f. which is to or for your benefit (for example, the payment of a debt for which you are partially or fully liable), or g. which you contend is unauthorized, unless you cooperate fully with us in our investigation of the transaction, assign to us your right of recovery against the wrongdoer if we reconstitute your Account, and cooperate fully with us in the recovery of any loss we sustain and the prosecution of any wrongdoer. Any person initiating the foregoing transactions will be deemed an authorized user except to the extent prohibited by applicable law or regulationthird parties.

User ID and Password. In addition to To access the hardware and software requirements above and having an Account with usSt. ▇▇▇▇▇▇▇▇ Federal Credit Union Home Banking service, in order to use Alliance eBanking you must have use the user ID number (St. ▇▇▇▇▇▇▇▇ Federal Credit Union Home Banking user ID) and/or other means of access we establish or provide for your St. ▇▇▇▇▇▇▇▇ Federal Credit Union Home Banking Member Account, together with a User St. ▇▇▇▇▇▇▇▇ Federal Credit Union Home Banking password. Anyone to whom you give your St. ▇▇▇▇▇▇▇▇ Federal Credit Union Home Banking user ID and Passwordpassword or other means of access will have full access to your accounts and you will not be able to limit that person's authority. The first time you log into Alliance eBankingaccess any of the accounts available to you under this Service, you will confirm your agreement to be required to change bound by all of the assigned Password terms and choose a Password known only to you containing a combination conditions of alpha this Agreement and numeric characters. The Password must be at least six characters acknowledge your receipt and no more than 16 charactersunderstanding of this disclosure. You may choose to accept or decline new services or changes to existing services by continuing or discontinuing the services to which such change may relate. WE STRONGLY SUGGEST THAT YOU DO NOT DELEGATE AUTHORITY OVER YOUR ACCOUNT TO ANYONE WHO IS NOT AN AUTHORIZED SIGNER FOR YOUR ACCOUNT AS LISTED ON THE ACCOUNT SIGNATURE CARD. You must be a primary owner of this account. Notwithstanding any instructions contained on the signature card for your Password through Alliance eBanking at any timeaccount, you understand and we recommend agree that you change your Password regularly and memorize it. Once you have changed your Password, we will not be able to tell you what it is. Because your User ID and Password are the principal security measures to protect access to your Accountsaccount via St. ▇▇▇▇▇▇▇▇ Federal Credit Union Home Banking is granted by user IDs and passwords that can be reentered by a single individual. You should not designate any account that requires more than one signature for withdrawals. However, if you do so designate such an account, you, and all co-signers of the account, agree to keep all User that transactions made via St. ▇▇▇▇▇▇▇▇ Federal Credit Union Home Banking by use of a user ID and Password information confidential and to take all reasonable precautions to protect the secrecy of this information. You understand and acknowledge that no person from the Bank will ever ask for your Password. You therefore agree never to provide your Password to anyone claiming to represent us. If you give your User ID or Password or make it available to another person, you authorize that person to access your Accounts through Alliance eBanking and to give the Bank instructions relating to your Accounts as an authorized user. You also authorize us to comply with those instructions even if that person exceeds your authorization or if that person password is not a signatory on the Account signature card. The Bank has no responsibility for establishing the identity of any person who uses your Password. You agree that you are liable for any transaction received by the Bank that includes your Password. Except to the extent prohibited by applicable law or regulation, you will be deemed to have expressly authorized any Alliance eBanking transaction facilitated through the Service: a. initiated by you, at your direction, with your User ID and Password, or with your consent (whether expressed or implied), b. initiated by an agent with respect to any Account which you may access through Alliance eBanking, c. initiated by a member of your household, whether or not related to you, d. initiated by any person (or that person’s agent) who is the owner or co-owner of any Account which you may access through Alliance eBanking, e. which results in the transfer of funds between Accounts you may access through Alliance eBanking, even if subsequent transfers out of the Accounts benefit someone else, f. which is to or for your benefit (for example, the payment of a debt for which you are partially or fully liable), or g. which you contend is unauthorized, unless you cooperate fully with us in our investigation of the transaction, assign to us your right of recovery against the wrongdoer if we reconstitute your Account, and cooperate fully with us in the recovery of any loss we sustain and the prosecution of any wrongdoer. Any person initiating the foregoing transactions will be deemed an authorized user except to the extent prohibited by applicable law or regulationauthorized.