Disclosures and other fun stuff

(Our attorneys made us do it)

If you find a disclosure here that you just don’t understand or don’t like, or if you have one you would like to see us add to our collection, please let us know. And if you do find one you don’t like, let’s just agree to blame it on the government.

All text/content is the property of Widget Federal Credit Union.



Permission is granted to electronically copy and to print in hard copy portions of this website for the sole purpose of placing an order with Widget Federal Credit Union and any of its affiliates and for using this Internet promotion as a shopping or informational resource.

Any other use of the materials on this website, including reproduction for purposes other than those noted above, modification, distribution, or republication—without the prior written permission from Widget Federal Credit Union representing widgetfinancial.com is strictly prohibited.



Except as specifically stated on this site, neither Widget Federal Credit Union nor any of its directors, employees or other representatives will be liable for damages arising out of or in connection with the use of this site.

Users specifically agree that Widget Federal Credit Union shall not be responsible for unauthorized access to or alteration of your transmissions or data, any material or data sent or received or not sent or received, or any transactions entered into through this service. Widget Federal Credit Union does not give, sell or transfer personal information to third parties, unless required by law.

Widget Federal Credit Union and widgetfinancial.com are registered trademarks. All other trademarks, product names and company names or logos cited herein are the property of their respective owners.

Widget Financial is committed to providing our members with quality financial products and services. We are equally committed to protecting our members’ privacy. We are required by law to give you this notice to explain to you how we collect, use and safeguard your personal financial information. If you have any questions, please contact us at (814) 456-6231.

Important Information about Procedures for Opening or Changing an Account

To help the government fight the funding of terrorism and money laundering activities, federal law requires that all financial institutions obtain, verify and record information that identifies each person who opens an account. So, when you open or make changes to an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We will also require your driver’s license and/or other identifying documents.

The personal information of a child under the age of thirteen received online is not collected, stored, or disclosed by Widget Financial in order to comply with the Children’s Online Privacy Protection Act. This personal information includes name, address, e-mail address, telephone number, social security number, specific identifier, or any combination of various identifying elements. If a child under the age of thirteen elects to send an e-mail or other electronic request to Widget Financial, the credit union may respond to that e-mail or request. However, the e-mail address of the child will be deleted and no personal information will be collected, stored or disclosed.

CU Online Disclosure, Terms & Conditions

The following terms and conditions govern the manner in which Widget Federal Credit Union (Widget Financial, Widget, we, us, our) will provide CU Online and any future electronic services. Use of said services assumes that the user has read and agrees with all terms in this disclosure.

CU Online Member Service Information:

Our Member Service is available 24/7 at 814.456.6231

Phone: (814) 456-6231 E-mail: info@egefcu.org Mail: Widget Financial 2154 E. Lake Road Erie, PA 16511

You must have an active Widget Savings Account and remain a member in good standing to be eligible for CU Online Services.

All names appearing on the account, owners and joint owners, have complete access to the account.

Transactions may be approved that overdraw the account and fees may be incurred.

You authorize us to utilize our current vendors to provide any contracted services to you on our behalf.

Payment of taxes, government or court directed payments via the services are prohibited.

We reserve the right to refuse to make any payment and/or transfer.

Unless you receive a confirmation number we shall not be liable for any failure to make a payment and/or transfer, including any finance charges or late fees incurred as a result.


CU Online will provide you with access to your share(savings), checking, and money market accounts; loans, IRA’s, certificates and club accounts. You may transfer funds among your savings and checking accounts. Transfers from any savings are limited to six(6) per month. See Rates and Fee Schedule for information on transfer limitations. By initiating transfers you acknowledge to have read and agree to the terms of the Electronic Funds Transfer Agreement and Disclosure. Transfers can be made to loans for payment. Stop payments can be made through CU Online by draft number. Associated fees are located in the Rate and Fee Schedule Inquiries can be made on accounts by viewing the history of each account and/or sub-share. Passwords can be changed at the discretion of the member. No record of any passwords, issued or changed, will be kept by the credit union. We may introduce new services or enhance the existing services from time to time. Your use of these services will constitute acceptance of the terms and conditions presented at the time they are announced. Widget Financial reserves the right to limit the amount of on-line access per month or per session. Navigators and Operating Systems:

CU Online is designed to work with the following navigators: Netscape, Internet Explorer. CU Online is designed to work with the following operating systems: Windows Macintosh. The ability to use CU Online through other systems or navigators is not guaranteed. Furthermore, from time to time, versions may need updated, which is the responsibility of the end-user.


You hereby acknowledge that you have reviewed and read the appropriate disclosures pertaining to CU Online (including the Electronic Funds Transfer, Rate and Fee Schedule, Regulation CC, and those contained here in) and agree to the terms of the disclosures. You agree that use of CU Online by other persons will give them access to any of your share, IRA, Certificate and loan accounts. Access to a member account will be by means of a member’s account number and password. You agree not to make your password available to any other person. If you believe that your password has been lost or stolen, or that someone has transferred or may transfer money from your account without your permission, call Widget Financial at (814) 456-6231 Monday through Thursday from 8:00a.m. to 5:00p.m., Friday from 8:00a.m. to 6:00p.m., or write us at 2154 East Lake Road, Erie PA 16511.

Liability for Unauthorized Transfers:

Notify us AT ONCE if you believe your password has been lost or stolen and immediately change your password. Telephoning is the best way of limiting your potential losses. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within two (2) business days, you can lose no more than $50 if someone used your password without your permission If you do not notify us within two (2) business days after you learn of the loss or theft of your password, and we can prove we could have stopped someone from using your password without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within sixty(60) days after the statement was mailed to you, you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money, had you told us in time. If a good reason has kept you from telling us, we may extend the time periods. If you believe your password has been lost or stolen, or that someone has transferred or may transfer money from your account without your permission, call us at the above listed phone number, or mail/stop in the above listed address.


Widget Financial does not intend to charge a fee for the CU Online services. We do, however, reserve the right to do so in the future and will provide 30 days advance notice to all users through the system.

Any future services, which may be introduced, may have associated fees. These will be disclosed in the Rate and Fee Schedule.

Any fee will be deducted from the share account at the end of each month.


All transactions generated by you through CU Online, as well as any fees, will appear on your monthly or quarterly statement.

Our Liability:

The member is responsible for keeping records of all transaction confirmations.

If we do not complete a transfer to or from your account on the time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance: If, through no fault of ours, you do not have enough money in your account to make the transfer; If the transfer would go over the credit limit on your overdraft credit line; If the CU Online equipment or software was not working properly and you know about the breakdown when you started the transfer; If circumstances beyond our control (such as fire or flood) prevent the transfer despite reasonable precautions that we have taken If you never receive a confirmation of the transfer on the system We shall not be responsible for any other loss, damage or injury whether caused by the equipment, software and/or the CU Online service, nor shall we be responsible for any direct, indirect, special or consequential damages arising in any way out of the installation, use or maintenance of your equipment, software and/or CU Online, except where the law requires a different standard. We do not make any warranties concerning the equipment, the software or any part thereof, including, without limitations, any warranties of fitness for a particular purpose or warranties of merchantability.

Errors and Questions:

In the case of errors or questions about your electronic transfers, contact us at the above listed phone number and/or address. We must hear from you no later than sixty (60) days after you learn of the error. You will need to tell us: Your name and account number; Why you believe there is an error and the dollar amount involved; Approximately when the error took place The confirmation number associated with the transaction. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will tell you the results of our investigation within ten (10) business days and correct any error promptly. If we need more time, we may take up to forty-five (45) days to investigate the complaint, but you will have the use of the funds in question after the ten (10) business days. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your account during the investigation.

If we decide that there was no error, we will send you a written explanation within three (3) business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.

If you need more information about our error resolution procedures, contact us.

Stop Payments:

There are fees and procedures associated with stop payments. They are no different than regular practices and can be found in the Rate and Fee Schedule.

Business Day

Our business days are Monday through Friday (Holidays not included).

Governing Law:

This agreement shall be governed by and constructed in accordance with all applicable federal laws and regulations.

Additional Terms and Conditions:

In addition to the foregoing, you agree to be bound by and comply with applicable state and federal laws and regulations. We agree to be bound by the same. We reserve the right to terminate your use of the services, in whole or in part, at any time, without prior notice. You may cancel your subscription to the services, upon thirty (30) days prior notice to Widget Financial. You will be responsible for all payments and/or transfers you have requested prior to termination and for all other charges and fees incurred, if any. These Terms and Conditions and applicable service fees and charges may only be altered or amended by us. In such event, we shall send notice to you at your listed address or transmit notice of the alteration or amendment over the service. Your use of the services following receipt of such notice constitutes acceptance of such alterations or amendments. In the event of a dispute regarding the services, you and we agree to resolve the dispute by looking to these Terms and Conditions. These Terms and Conditions shall supersede any and all other representations made by you or our employees.

Federal E-SIGN Act Disclosure and Consent:

We are pleased to offer you the opportunity to receive information about your account electronically. If you would like to receive correspondence from us via email, instead of paper copies through the mail, please review this notice and provide your consent. This notice applies to all documents, statements, notices and disclosures that we provide to you relating to the account for which you are applying, except as otherwise prohibited by law.

Please read this Federal Electronic Signatures in Global and National Commerce Act (“E-SIGN”)

Disclosure and Consent carefully and print a copy for your records. You can record your consent to the ESIGN disclosure by placing a checkmark in the box on the webpage. By checking the box on the webpage, you consent to the electronic delivery of any disclosures, statements, agreements, change notices, changes to the terms and conditions of your account and any other documents or notices (together, the “Documents”) that we provide to you relating to your account. You have the right to request a paper copy of disclosures, statements, etc; we will not provide you with paper (non-electronic) copies of any Documents unless specifically requested by you. You may incur a fee for paper copies. Please contact us for more information about the fee by calling (814) 456-6231.

Electronic Delivery of Disclosures and Notices

To use the online services and to access, receive and retain the Documents, you must provide, at your own expense, an Internet connected device that is compatible with this financial institution’s online service products deployed at the time of access. Your device must meet the minimum requirements outlined below. You confirm that your device will meet these specifications and requirements and will permit you to access and retain the documents electronically each time you access and online services.

Please review the account opening disclosures and documents prior to continuing. To keep a copy of any document that you view online, you may print the document by selecting “Download.” Select your printer and click on OK or select Save to retain a copy on your PC. You should not sign up for online services using a public computer. If you do not want to receive the documents electronically, you should exit this area of our website.

If you do not consent to receiving the documents electronically, you will not be able to use online services.

System Requirements to Access Information

To receive an electronic copy of the Documents you must have the following equipment and software:

  • A personal computer or other device that is capable of accessing the Internet. Your access to this page verifies that your system/device meets these requirements.
  • An Internet web browser capable of supporting 128-bit SSL encrypted communications, which requires a minimum web browser version of Microsoft® Internet Explorer version 6.0 (available for downloading at http://www.microsoft.com/windows/ie/downloads/default.asp) and your system or device must have 128-bit SSL encryption software. Your access to this page verifies that your browser and encryption software/device meets these requirements.
  • You must have software that enables you to receive and access Portable Document Format or “PDF” files, such as Adobe Acrobat Reader® version 8.0 and above (available for downloading at http://www.adobe.com/products/acrobat/readstep2.html). Your access to this page verifies that your system/device has the necessary software to permit you to receive and access PDF files.

Withdrawal of Electronic Acceptance of Disclosures and Notices

You may withdraw your consent to receive statements or documents in electronic form for any of your accounts by contacting us at (814) 456-6231. We may treat your provision of an invalid email address or the subsequent malfunction of a previously valid address or cancellation of participation in our online banking product as a withdrawal of your consent to receive electronic statements. We may impose a fee to process the withdrawal of your consent to receive electronic statements and documents. Any withdrawal of your consent to receive electronic statements and documents will be effective only after we have a reasonable period of time to process your withdrawal.

How to Update Your Records

It is your responsibility to provide us with true, accurate and complete e-mail address, contact, and other information related to this Disclosure and your account(s), and to maintain and update promptly any changes in this information. For information on how to update your information with us, contact us at (814) 456-6231.


Mobile Deposit User Agreement

This Mobile Deposit Agreement contains the terms and conditions for the mobile deposit capture services that Widget Federal Credit Union dba Widget Financial may provide to you. The words “we,” “us,” “our” and “Credit union” mean Widget Federal Credit Union dba Widget Financial. The words “you” or “your” mean each and all those who use the mobile deposit services. The word “account” means any one or more deposit accounts you have with the Credit Union. Your Membership and Account Agreement and Online Banking Agreement governing your Widget Federal Credit Union dba Widget Financial account(s) (collectively referred to as “other agreements”) are incorporated into and made a part of this Agreement. In the event of a discrepancy between this Agreement and the other agreements, this Agreement will control.

Services. The mobile deposit services (“Mobile Deposit”) are designed to allow you to make deposits of checks (“original checks”) to your accounts from home or other remote locations by electronically transmitting a digital image of the original checks (“images”) to us or our designated processor. Original checks are converted to “substitute checks” as such term is defined in the Check Clearing for the 21st Century Act and Federal Reserve Board Regulation CC, for deposit with the Credit Union and for processing and presentment to a collecting or paying financial institution.

There is currently no charge for Mobile Deposit. However, we reserve the right to change the terms and charges for Mobile Deposit at any time.

Member Eligibility. After you login to Mobile Banking, you may apply for Mobile Deposit. You understand that you must be a Credit Union member in good standing to be eligible to enroll in Mobile Deposit. If any of the following applies to you, you will be ineligible to enroll in or use Mobile Deposit:

  • Your loan or credit card account with us is delinquent more than 30 days;
  • Your account is a business account that uses an EIN number;
  • Your account is an organization, trust or estate account type;
  • You do not have an email address on file with us;
  • You have a bad address or a bad phone number;
  • You are not enrolled in Online Banking and Mobile Banking;
  • You do not pass a credit check;
  • Your account is dormant.

Acceptance of Agreement. By using Mobile Deposit or clicking the electronic signature “acceptance” below, you agree to the terms and conditions in this Agreement, including any amendments. Your use of the Service constitutes your acceptance of this Agreement. You agree to comply with the hardware and software requirements set forth herein. We may amend, modify, add to, or delete from this Agreement from time to time. Your continued use of Mobile Deposit will indicate your acceptance of the revised Agreement.

Compliance with Laws. You agree to comply with all laws, statutes, regulations and ordinances pertaining to your use of Mobile Deposit, as well as all laws relating to the banking transactions considered hereunder. You also agree to be bound by any clearinghouse rules or agreements, operating circulars, image exchange agreements, and other documents to which we are a party that govern Mobile Deposit. You promise to indemnify and hold us harmless from any damages, liabilities, costs, expenses (including attorneys’ fees) or other harm arising out of any violation thereof. This indemnity shall survive termination of your account with us and this Agreement.

Limits. We reserve the right to establish limits on the dollar amount and/or the number of items or deposits that you transmit using Mobile Deposit which we may change at any time. If you attempt to initiate a deposit in excess of these limits, we may reject your deposit. If we permit you to make a deposit in excess of these limits, such deposit will still be subject to the terms of this Agreement, and we will not be obligated to allow such a deposit at other times. The current daily dollar limit is $2,000.00 per business day and the current monthly dollar limit is $10,000.00 per any calendar month period. Based on certain circumstances, Widget Federal Credit Union dba Widget Financial reserves the right to change these limits. There is no daily or monthly statement cycle limit on the number of items as long as the respective dollar limits are not exceeded.

Eligible Items. You agree to deposit only “checks” as that term is defined in Federal Reserve Board Regulation CC. For purposes of this Agreement, “check” (as defined in Regulation CC) means a negotiable demand draft that is drawn on:

  • Or payable through or at an office of a bank or credit union;
  • A Federal Reserve Bank or a Federal Home Loan Bank;
  • The Treasury of the United States;
  • A state or local government that is not payable through or at a bank or credit union;
  • A United States Postal Service money order;
  • A Traveler’s check drawn on or payable through or at a bank or credit union.

Unacceptable Deposits. You understand and agree that you will not use Mobile Deposit to deposit:

  • Checks payable to any party other than the party that owns the account the check is being deposited to
  • Any third party check, i.e. any item made payable to another party and then endorsed to you by that party
  • Checks payable to a business, even if you are the business owner, unless the business owns the account the check is being deposited to
  • Checks containing evidence of alteration to the information on the check, or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn
  • Checks made payable to more than one party (including tax refund checks and other government checks), unless deposited into an account in the name of all payees
  • Checks previously converted to a “substitute check,” as defined in Reg. CC
  • Checks drawn on a financial institution located outside the United States
  • Checks not payable in United States currency
  • Checks dated more than 6 months prior to the date of deposit
  • Checks that are post-dated after the date of deposit
  • Checks payable on sight or payable through drafts, as defined by Reg. CC
  • Checks with any endorsement on the back other than that specified in this Agreement
  • Checks that have previously been submitted through Mobile Deposit or through a remote deposit capture service offered at another financial institution
  • Checks or items that are drawn or otherwise issued by the U.S. Treasury Department
  • Checks drawn on your personal account at the Credit Union
  • Checks stamped “non-negotiable” (whether stamped in print or as a watermark)
  • Checks that have been re-deposited or returned such as “non-sufficient funds” or “refer to maker” or returned for any other reason
  • Any item that is incomplete
  • Cash
  • Savings Bonds
  • Government-issued warrants
  • Any item with a qualified endorsement (example: without recourse, John Doe)
  • Any item with a conditional endorsement (example: pay to the order of John Doe, when car is fixed)

Deposits of this nature may result in the immediate termination of Mobile Deposit and an immediate reversal of the transaction or creditto your account. A reversal means the amount of the item(s) deposited will be removed from your account and will reduce your account balance. The reversal may also result in a negative balance on your account.

Requirements. Each image must accurately and legibly provide all information on the front and back of the original check at the time presented to you by the drawer, including, but not limited to, information about the drawer and the paying bank that is preprinted on the original check, MICR information, signature(s), any required identification written on the front of the original check and any endorsements applied to the back of the original check. The image quality of the check must meet the standards established from time to time by the American National Standards Institute (ANSI), the Board of Governors of the Federal Reserve, including the requirements under federal Regulation CC, and any other regulatory agency, clearing house or association.

Prior to electronically transmitting a digital image of the original check, you will restrictively endorse any item as “FOR MOBILE DEPOSIT ONLY” and your signature. You agree to follow any and all other procedures and instructions for use of Mobile Deposit as we may establish from time to time. We may reject your deposit if the image is not satisfactory. Any loss we incur from a delay or processing error resulting from an irregular endorsement or other markings by you will be your responsibility.

If the check is payable to you or your joint owner, either of you can endorse it. If the check is payable to you and your joint owner, both of you must endorse the check.

Fees. You agree to pay all fees and charges for deposit services as set forth on Widget Federal Credit Union dba Widget Financial’s Fee Schedule. Fees are subject to change at any time. Widget Federal Credit Union dba Widget Financial’s Fee Schedule is available at any Widget Federal Credit Union dba Widget Financial Branch location or on widgetfinancial.com.

Receipt of Items. All images processed for deposit through Mobile Deposit will be treated as “deposits” under your current Membership and< Account Agreement with us and will be subject to all terms of the Membership and Account Agreement. Upon receipt of the digital image, we will review the image for acceptability and will convert items meeting our requirements into substitute checks to facilitate the deposit and collection of such items. You understand and agree that electronically transmitting a digital image of a check does not constitute receipt by the Credit Union. Confirmation of our receipt of your deposit can be verified by logging into Online Banking or Mobile Banking. You understand that, in the event you receive a notification from us confirming receipt of an image, such notification does not mean that the image contains no errors or that we are responsible for any information you transmit to us. We are not responsible for any image that we do not receive.

Following receipt of the image, we may process the image by preparing a “substitute check.” Notwithstanding anything to the contrary, we reserve the right, within our sole and absolute discretion, to accept or reject any item for remote deposit into your account and, in the event we reject an item for remote deposit, you understand and agree that you must deposit the original item. You understand and agree that even if we do not initially reject an item you deposit through Mobile Deposit, we may return the substitute check we created because, among other reasons, the paying bank deems the electronic image illegible. Our failure to reject such an item shall not limit your liability to us. We are not liable for any service or late charges levied against you due to our rejection of any item. In all cases, you are responsible for any loss or overdraft plus any applicable fees to your account due to an item being returned.

Check Retention and Destruction. You agree to securely store each original check that you deposit using Mobile Deposit for a period of 90 days after transmission to us in order to verify settlement and credit or to balance periodic statements. After such period expires, you will destroy the original check. You understand and agree that you are responsible for any loss caused by your failure to secure the original checks. During the retention period, you agree at your expense to promptly deliver any retained check, or a sufficient copy of the front and
back of the check, to the Credit Union upon request to aid in the clearing and collection process, to resolve claims by third parties with respect to any check, or for our audit purposes. If not provided within 7 business days of our request, such amount will be reversed from your account. In addition, if you are unable to provide a sufficient copy of the front and back of the check, you will be liable for any unresolved claims by third parties.

You agree that you will never re-present the original check. You understand that you are responsible if anyone is asked to make a payment based on an original check that has already been paid.

Hardware and Software Requirements. In order to use Mobile Deposit, you must obtain and maintain, at your expense, your own mobile device and any compatible hardware and software as specified by Widget Federal Credit Union dba Widget Financial from time to time. Use of Mobile Deposit requires download of our mobile application from the Apple Store or Android Market. We are not responsible for any data charges that may apply or for any third party software you may need to use Mobile Deposit. Any such software is accepted by you as is and is subject to the terms and conditions of the software agreement you enter into directly with the third party software provider at time of download and installation.

For Mobile Deposit, minimum requirements are:

  • All iOS devices with a camera and operating system version 5.1 or newer (including iPods and iPhones)
  • iPads from generation 3 and above (and iPad2 by request)
  • All Android devices with a camera and operating system version 2.3.4 and newer

Widget Federal Credit Union dba Widget Financial reserves the right to change hardware and software requirements and will notify you of any material change on our website by providing a link to the revised requirements. Your continued use of Mobile Deposit will indicate your acceptance.

Periodic Statement and Your Duty to Report Errors. Any remote deposits made using Mobile Deposit will be reflected on your monthly periodic statement. You understand and agree that you are required to immediately notify us of any suspected error relating to images transmitted using Mobile Deposit by no later than sixty (60) days after the date of the monthly periodic statement that includes any transaction you allege is erroneous. You are responsible for any errors that you fail to bring to our attention within such time period.

Returned Deposits. Any credit to your account for checks deposited using Mobile Deposit is provisional. If original checks deposited through Mobile Deposit are dishonored, rejected or otherwise returned unpaid by the drawee bank, or are rejected or returned by a clearing agent or collecting bank, for any reason, including, but not limited to, issues relating to the quality of the image, you agree that an original check will not be returned to you, but that we may charge back the amount of the original check and provide you with an image of the original check, a paper reproduction of the original check or a substitute check. With respect to any item that you transmit to us for remote deposit that we credit to your account, in the event such item is dishonored, you authorize us to debit the amount of such item from your account, including any applicable fees as stated in our Fee Schedule. We will notify you via Online Banking or Mobile Banking of transactions we are unable to process because of returned items. You will reimburse us for all loss, cost, damage or expense caused by or relating to the processing of the returned item. Without our approval, you shall not attempt to deposit or otherwise negotiate an original check if it has been charged back to you.

We may debit any of your accounts to obtain payment for any item that has been rejected or returned, for any adjustment related to such item or for any warranty claim related to such item, whether or not the rejection, return, adjustment or warranty claim was made timely.

Your Warranties. You make the following warranties and representations with respect to each image:

  • Each image of a check transmitted to us is a true and accurate rendition of the front and back of the original check, without any alteration, and the drawer of the check has no defense against payment of the check.
  • The amount, payee(s), signature(s), and endorsement(s) on the image and on the original check are legible, genuine, and accurate.
  • You will not deposit, or otherwise endorse to a third party, the original check and no person will receive a transfer, presentment, or return of, or otherwise be charged for, the original check or a paper or electronic representation of the original check such that the person will be asked to make payment based on an item that has already been paid.
  • There are no other duplicate images of the original check.
  • The original check was authorized by the drawer in the amount stated on the original check and to the payee(s) stated on the original check.
  • You are authorized to enforce and obtain payment of the original check.
  • You will retain possession of each original check deposited using Mobile Deposit for the required 90 day period and neither you nor any other party will submit the original check for payment.
  • You have not knowingly failed to communicate any material information to us.
  • You will not use Mobile Deposit and/or your accounts for any illegal activity or transactions.
  • Files and images transmitted to us will contain no viruses or any other disabling features that may have an adverse impact on our network, data, or related systems.

Each check you submit for deposit is drawn in United States dollars on a financial institution located in the United States, excluding its

Email Address. You agree to notify us immediately if you change your email address. You can change your email address in the Online
Banking System.

Termination of Mobile Deposit. Either party may terminate this Agreement and the Mobile Deposit service without prior notice. Notwithstanding any such notice of termination, this Agreement shall remain effective in respect of any transaction occurring prior to such termination. Upon any termination of this Agreement. (1) you will immediately cease using Mobile Deposit, and (2) you shall promptly remit all unpaid monies due under this Agreement. You may terminate the Mobile Deposit service in Online Banking or by contacting the Credit Union during business hours at (814) 456-6231 or 1-800-214-8757 (M-T 9am – 5pm; FRI 9am – 6pm; SAT 9am – 1pm) or writing us at Widget Federal Credit Union, 2154 East Lake Road, Erie, PA 16511. Upon your request, we will terminate your service within 5 business days of receipt of your notification. We reserve the right to terminate this Agreement or limit your use of Mobile Deposit at any time and for any reason at our discretion, with or without cause and without prior notice. Examples of when we may terminate this Agreement and the use of Mobile Deposit without prior notice include, but are not limited to:

  • If you breach this or any other agreement we may have with you
  • If we have reason to believe that there has been or may be an unauthorized use of your User ID, password and authentication method or account(s)
  • If there are conflicting claims as to the funds in any of your account(s)
  • If you request us to do so
  • If you have insufficient funds in any one of your Credit Union accounts
  • In order to protect the Mobile Deposit service or the Credit Union from harm or compromise of integrity, security, reputation or operation
  • If you have not met, or currently do not meet, all the original qualifying member eligibility criteria found in this disclosure

Termination will not affect your liability or obligations under this Agreement for transactions that have been processed on your behalf. You will remain responsible for all outstanding fees and charges incurred prior to the date of termination. Termination will apply only to Mobile Deposit and does not terminate your other relationships with us.

Any termination will not affect obligations arising prior to termination, such as the obligation to process any checks and electronic items (including returned electronic items) that were in the process of being transmitted or collected prior to the termination date.

In addition, you will keep your account(s) at the Credit Union open until final payment with respect to all processing fees, and will maintain funds in your account(s) in amounts and for a period of time determined by the Credit Union in its reasonable discretion to cover any outstanding checks and your obligations for returns of checks, warranty claims, fees and other obligations.

If any such liabilities exceed the amount in the applicable account, we may charge such excess against any of your other accounts, and you will pay immediately upon demand any amount remaining unpaid.

Mobile Deposit Unavailability. Mobile Deposit may be unavailable temporarily due to system maintenance or technical difficulties, including those of the Internet service provider, cellular service provider and Internet software. In the event that Mobile Deposit is unavailable, you acknowledge that you may deposit original checks at our branches, or through our ATMs. It is your sole responsibility to verify that items deposited using Mobile Deposit have been received and accepted for deposit by us.

Funds Availability. Funds from deposited items will be available according to the Credit Union’s Funds Availability Policy previously provided to you, as amended from time to time, which is incorporated herein by reference. You agree that items transmitted using the Service are not subject to the funds availability requirements of Federal Reserve Board Regulation CC. For purposes of funds availability, Mobile Deposits are made in Erie, PA. You agree that electronically transmitting a digital image of an original check does not constitute receipt by the Credit Union. Credit to your account does not infer funds availability. You also understand that credit is provisional until settlement is final. Widget Federal Credit Union dba Widget Financial’s Funds Availability Policy is available on widgetfinancial.com. Funds deposited using the Service will generally be made available in three business days from the day of deposit. Credit Union may make such funds available sooner or later based on such factors as credit worthiness, the length and extent of your relationship with us, transaction and experience information, and such other factors as Credit Union, in its sole discretion, deems relevant.

Business Days. Our business days are Monday through Friday, except holidays.

Mobile Deposit Security. You will complete each deposit promptly. If you are unable to complete your deposit promptly, you will ensure that your mobile device remains securely in your possession until the deposit has been completed. It is your responsibility to establish and maintain procedures to safeguard against unauthorized deposits. You will notify us immediately by telephone at (814) 456-6231 or 1-800-214-8757 (M-T 9am – 5pm; FRI 9am – 6pm; SAT 9am – 1pm) and, if requested, follow up with written confirmation if you learn of any loss or theft of original checks. You will ensure the safety and integrity of original checks from the time of receipt until the time of destruction. If warranted in our reasonable judgment, we may audit you and/or monitor your account activity, and you agree to cooperate with us in connection with such audit and/or monitoring, to confirm that you have satisfied your obligations under this Agreement.

You agree to notify us promptly if your mobile device is lost or stolen or if you have any reason to believe your Mobile Deposit access may have been or is subject to compromise.

Ownership and License. We and our technology partners, inclusive of, but not limited to, Bluepoint Solutions, retain all rights, title and interests in and to the Mobile Deposit service, and related software and development made available to you. Your use of Mobile Deposit is subject to and conditioned upon your complete compliance with this Agreement. Without limiting the effect of the foregoing, any breach of this Agreement immediately terminates your right to use Mobile Deposit. Without limiting the restriction of the foregoing, you may not use Mobile Deposit (1) in any anti-competitive manner; (2) for any purpose which would be contrary to our business interest; or (3) to our actual or potential economic disadvantage in any aspect. In addition you agree that you will not modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or decompile the technology or Service, copy or reproduce all or any part of the technology or Service; or interfere, or attempt to interfere, with the technology or Service.

Accountholder’s Indemnification Obligation. You agree to indemnify, defend and hold harmless the Credit Union and its shareholders, directors, officers, employees and agents against any and all losses, claims, actions, damages, liabilities, costs, and expenses, including reasonable attorneys’ fees and expenses arising from your use of Mobile Deposit and/or breach of this Agreement. You understand and agree that this paragraph shall survive the termination of this Agreement.