Greater Nevada Digital Banking Agreement and Disclosure

Last Modified: November 25, 2024

GENERAL TERMS

Selecting “I Agree” constitutes your agreement to the terms and conditions of Electronic and Mobile Banking (“Greater Nevada Digital Banking”) as outlined in this disclosure. Greater Nevada Digital Banking is Greater Nevada’s internet-based account access service. It offers you easy access to your accounts through an internet connection 24 hours a day, 7 days a week. Greater Nevada Digital Banking makes it possible for you to perform a variety of account activities at your convenience.

Access to Greater Nevada Digital Banking is free, and transaction limits may apply based on your relationship with Greater Nevada Credit Union. Some transactions, such as stop payments and electronic withdrawals, may incur a fee. You may contact our Member Resource Center at (775) 882-2060 or (800) 421-6674 if you need more information regarding rates, qualifying balances, and transaction fees. This information is also available on our website under Privacy Policy and Disclosures and can be found here: https://www.gncu.org/privacy-policy-disclosures/

By participating in Greater Nevada Digital Banking, you are agreeing to the terms and conditions presented here. Our participating carriers include (but are not limited to) AT&T^®, T-Mobile^®, U.S. Cellular^®, and Verizon Wireless^®. Message and data from your carrier may apply. Greater Nevada Digital Banking may not be available at any time for any reason outside of the reasonable control of Greater Nevada Credit Union or any service provider.

PRIVACY AND USER INFORMATION

You acknowledge that in connection with your use of Greater Nevada Digital Banking, Greater Nevada Credit Union and its affiliates and service providers, including Q2 and its affiliates, may receive and may share with one another names, domain names, addresses, passwords, telephone and device numbers, the content of messages, data files and other data and information provided by you or from other sources in connection with Greater Nevada Digital Banking (collectively “User Information”). Greater Nevada Credit Union and its affiliates and service providers will maintain reasonable safeguards to protect the information from unauthorized disclosure or use, but reserve the right to use and disclose this information as reasonably necessary to deliver mobile banking and as otherwise permitted by law, including compliance with court orders or lawful instructions from a government agency, to protect the personal safety of subscribers or the public, to defend claims, and as otherwise authorized by you. Greater Nevada Credit Union and its affiliates and service providers also reserve the right to monitor the use of Greater Nevada Digital Banking for purposes of verifying compliance with the law, these terms and conditions, and any applicable license, but disclaim any obligation to monitor, filter, or edit any content.

You acknowledge that in connection with your use of mobile banking, Greater Nevada Credit Union and its affiliates and service providers, including Q2 and its affiliates, may receive data about your usage of the service (such as session length, number of transactions, and geolocation), and other data and information provided by you or from other sources in connection with mobile banking or the Software. Greater Nevada Credit Union and its affiliates and service providers will maintain reasonable safeguards to protect the information from unauthorized disclosure or use, but reserve the right to use and disclose this information as reasonably necessary to deliver mobile banking, perform analytics to improve the service, and as otherwise permitted by law, including compliance with court orders or lawful instructions from a government agency, to protect the personal safety of subscribers or the public, to defend claims, and as otherwise authorized by you.

The Electronic Fund Transfers that can be processed through Greater Nevada Digital Banking are listed below. Not all of these may apply to your account. Please read this disclosure carefully because it informs you of your rights and obligations for these transactions.

Greater Nevada Digital Banking Electronic Banking – You may access your account through a computer by logging into our website at www.gncu.org or by downloading our Greater Nevada Digital Banking app for mobile devices. You can log into your account using your username and password to:

transfer funds from checking to checking or savings
transfer funds from savings to savings or checking
transfer funds from line of credit to checking or savings
make payments from checking or savings to loan account(s) with us
make payments from checking to third parties
request that a check be sent to you from savings, checking, or line of credit
get information about:
- checking account balance
- savings account balance
- loan balance and certificate balance
- account history and transactional activity
- member to member transfers

RESTRICTIONS ON USE

You agree not to use Greater Nevada Digital Banking for any illegal, fraudulent, unauthorized, or improper manner or purpose and will only be used in compliance with all applicable laws, rules, and regulations, including all applicable state, federal, and international Internet, data, telecommunications, telemarketing, “spam,” and import/export laws and regulations, including the U.S. Export Administration Regulations. Without limiting the foregoing, you agree that you will not use Greater Nevada Digital Banking to transmit or disseminate:

junk mail, spam, or unsolicited material to persons or entities that have not agreed to receive such material or to whom you do not otherwise have a legal right to send such material;
material that infringes or violates any third party’s intellectual property rights, rights of publicity, privacy, or confidentiality, or the rights or legal obligations of any wireless service provider or any of its clients or subscribers;
material or data that is illegal, or material or data, as determined by Greater Nevada Credit Union (in its sole discretion), that is harassing, coercive, defamatory, libelous, abusive, threatening, obscene, or otherwise objectionable, materials that are harmful to minors or excessive in quantity, or materials the transmission of which could diminish or harm the reputation of Greater Nevada Credit Union or any third-party service provider involved in the provision of Mobile Banking;
material or data that is illegal, drugs-related (e.g., marijuana, cocaine), pornographic-related (e.g., adult themes, sexual content), crime-related (e.g., organized crime, notorious characters), violence-related (e.g., violent games), hate-related (e.g., racist organizations), gambling-related (e.g., casinos, lotteries), specifically mentions any wireless carrier or copies or parodies the products or services of any wireless carrier;
viruses, Trojan horses, worms, time bombs, cancelbots, or other computer programming routines that are intended to damage, detrimentally interfere with, surreptitiously intercept, or expropriate any system, data, or personal information;
any material or information that is false, misleading, or inaccurate;
any material that would expose Greater Nevada Credit Union, any third-party service provider involved in providing mobile banking, or any other third party to liability; or
any signal or impulse that could cause electrical, magnetic, optical, or other technical harm to the equipment or facilities of Greater Nevada Credit Union or any third party. You agree that you will not attempt to:

(a) access any software or services for which your use has not been authorized; or

(b) use or attempt to use a third party’s account; or

(c) interfere in any manner with the provision of Mobile Banking or the Software, the security of mobile banking, or other customers of mobile banking; or

(d) otherwise, abuse mobile banking.

USE OF GOOGLE MAPS

You agree to abide by the Google terms and conditions of use found at http://maps.google.com/help/terms_maps.html and the Google Legal Notices found at https://maps.google.com/help/legalnotices_maps/, or other URLs as may be updated by Google.

BIOMETRIC LOGIN

Biometric login is an optional biometric sign-in method for Greater Nevada Digital Banking that may be available for certain Apple^® (via Touch ID™ or Face ID™) and Android^® mobile devices that have a built-in biometric scanner. To use biometric login, you will need to first save your fingerprint/facial feature scan on your mobile device (for more help with biometric scanning, contact the manufacturer that supports your mobile device). Biometrics are stored on your device only, and Greater Nevada Credit Union never sees or stores your biometric information. You acknowledge that by enabling biometric login, you will allow anyone who has biometric information stored on your device access to your personal and payment account information within Greater Nevada Credit Union mobile banking. Greater Nevada Credit Union reserves the right to suspend or disable this feature at any time. Biometric login can only be associated with one mobile banking username at a time on a device. If your device doesn’t recognize your biometric information, you can sign in using your standard login credentials (e.g., password). To use biometric login for mobile banking on multiple devices, you will need to set it up for each device. You can enable or disable biometric login anytime within Greater Nevada Credit Union Mobile Banking. Apple, Touch ID, and Face ID are trademarks of Apple Inc. Android is a trademark of Google Inc.

LOGIN INFORMATION (SECURITY CREDENTIALS)

You must use your Greater Nevada Digital Banking login information to access our online and mobile application. You agree not to give your sign-on information to any person not authorized to access your account(s). Disclosing your sign-on information, whether intentional or accidental, constitutes authorization for use by others; and you agree to be liable for their actions.

CHARGES FOR ELECTRONIC FUND TRANSFERS

We do not charge for electronic fund transfers, excluding withdrawals by check, which are subject to a fee. Please view the latest Fee Schedule to see the amount.

RIGHT TO DOCUMENTATION

Periodic Statements – We will send you a monthly account statement for your checking accounts. We will send you a monthly account statement for your savings accounts, unless there are no pre-authorized or electronic transactions in a particular month. In any case, you will get a statement at least quarterly.

STOP PAYMENT PROCEDURES

Right to Stop Payment and Procedure for Doing So:

You may enter a Stop Payment for a single check or multiple checks through Greater Nevada Digital Banking. Select Administration from the menu and then select Stop Payment. On the screen, you will select Single Check or Multiple Check. For a single check, you will select the account and enter the check number. The other fields are optional. For multiple checks, you will select the account and enter the starting and ending check number. The other fields are optional. Select Request Stop Payment.
Stop Payments must be submitted to the credit union at least two business days prior to the check attempting to clear your account.
Stop Payments remain in effect for six months, but may be removed or replaced with a written request.
A Stop Payment fee may be assessed. Please view the latest Fee Schedule to see the amount.
Liability for Failure to Stop Payment: Despite proper completion and delivery of the Stop Payment Order, you may nevertheless be liable for the check described to the payee or any subsequent holder in due course thereof.

ALERTS

Your enrollment in Greater Nevada Digital Banking includes enrollment to receive transaction alerts and notifications (“Alerts”). Alerts are electronic notices from us that contain transactional information about your Greater Nevada Credit Union account(s). Alerts are provided within the following categories:

Mandatory Alerts provide you with important account notifications, such as information about changes to your Online Banking password, PIN, contact updates, address changes, or login information. You do not have the option to suppress these Mandatory Alerts.
Account Alerts provide you with notifications of important account activities or when certain changes are made to your Service accounts. These Alerts are automatically activated for you. Although you may suppress these account Alerts, we strongly recommend that you do not do so because they provide important information related to your Service accounts.
Additional Alerts must be activated by you to be enabled.

Account Alerts and Additional Alerts must be managed and/or added online through the Service. You cannot maintain all Alerts through your mobile device. We may add new Alerts from time to time, or cancel old Alerts. Greater Nevada Credit Union will use reasonable effort to notify you when we cancel Alerts, but are not obligated to do so. Greater Nevada Credit Union reserves the right to terminate its Alerts service at any time without prior notice to you. Methods of Delivery. We may provide Alerts through one or more channels (“EndPoints”):

(a) a mobile device, by text message;

(b) a mobile device, by push notification;

(d) your Greater Nevada Digital Banking message inbox, by an email message.

You agree to receive Alerts through these EndPoints, and it is your responsibility to determine that each of the service providers for the EndPoints described in (a) through (c) above supports the email, push notification, and text message Alerts provided through the Alerts service. Please be advised that text or data charges or rates may be imposed by your EndPoint service provider. Alert frequency varies by account and preferences. You agree to provide us with a valid mobile phone number or email address so that we may send you Alerts. If your email address or your mobile device’s number changes, you are responsible for informing us of that change. Your Alerts will be updated to reflect the changes that you communicate to us with regard to your primary and secondary email addresses or mobile device number.

To stop Alerts via text message, text “STOP” to 86434 at any time. Alerts sent to your primary email address will be unaffected by this action. To restore Alerts on your mobile phone, just visit the Alerts tab in Greater Nevada Digital Banking and click the box next to your mobile number for the Alerts you’d like to receive again. For help with SMS text alerts, text “HELP” to 86434. If you have any questions, please contact customer service at (800) 421-6674. Our participating carriers include (but are not limited to) AT&T^®, T-Mobile^®, U.S. Cellular^®, and Verizon Wireless^®.

Greater Nevada Credit Union provides Alerts as a convenience to you for information purposes only. An Alert does not constitute a bank record for the deposit or credit account to which it pertains. We strive to provide Alerts in a timely manner with accurate information. However, you acknowledge and agree that your receipt of any Alerts may be delayed or prevented by factor(s) affecting your mobile phone service provider, internet service provider(s), and other factors outside Greater Nevada Credit Union’s control. We neither guarantee the delivery nor the accuracy of the contents of each Alert. You agree to not hold Greater Nevada Credit Union, its directors, officers, employees, agents, and service providers liable for losses or damages, including attorneys’ fees, that may arise, directly or indirectly, in whole or in part, from

(a) a non-delivery, delayed delivery, or the misdirected delivery of an Alert;

(b) inaccurate or incomplete content in an Alert; or

Alerts delivered via SMS, email, and push notifications are not encrypted, and we will never include your passcode or full account number. You acknowledge and agree that Alerts may not be encrypted and may include your name and some information about your accounts, and anyone with access to your Alerts will be able to view the contents of these messages.

VOLUNTARY CANCELLATION

To cancel your Greater Nevada Digital Banking service, you must contact Greater Nevada’s Member Resource Center at (800) 421-6674 or (775) 882-2060. You may also write us at the address provided below.

Greater Nevada Credit Union
P. O. Box 2128
Carson City, NV 89702

ERROR RESOLUTION

In the event that you notice an error on your account, please advise your local branch or our Member Resource Center at (800) 421-6674 or (775) 882-2060 immediately.

BILL PAY ENROLLMENT

The terms and conditions of our Bill Pay service can be found here: https://cw411.checkfreeweb.com/cw411/wps?rq=vtc&sp=13356

POSITIVE PAY ENROLLMENT

The terms and conditions of our Positive Pay service can be found here: https://www.gncu.org/privacy-policy-disclosures/positive-pay-agreement-and-disclosure/

CREDIT SCORE AND REPORT AUTHORIZATION

As a feature of your Digital Banking account, we will provide you with your credit score and report. This is a soft pull and will not affect your credit score.

You authorize our partner SavvyMoney, Inc. to continuously obtain your credit report and use the information to verify your identity, provide you with financial education, and invite you to apply for products and services made available by us.

By clicking ‘Accept’, you are accepting SavvyMoney’s Terms of Service and Privacy Policy that can be found at https://savvymoney.com/terms-of-service/ and https://savvymoney.com/privacy-policy/. You may revoke this authorization at any time through your credit score profile settings.

GNCU Electronic Banking “Greater Nevada Digital Banking” Agreement and Disclosure