PHILADELPHIA FEDERAL CREDIT UNION
ONLINE BANKING SERVICES AGREEMENT

This Online Banking Services Agreement ("Agreement") governs your use of any online or mobile banking services offered or maintained by or through PFCU (the "Services").  In this Agreement, the words "you," "your," and "yours" mean any PFCU account owner or authorized representative appointed or entitled to use the Services.  The words "we," "us," and "our" means the Philadelphia Federal Credit Union ("PFCU").  The word "account" means any one or more share or deposit accounts you have with PFCU.  The term "Service Provider(s)" means any company PFCU has engaged to provide any of the Services to you.  

When you use any of the Services offered or authorize others to do so on your behalf, you agree to be bound by the terms and conditions of this Agreement and any agreements, terms, conditions and instructions that appear when enrolling in, activating or accessing the Services. 

Your use of the Services is also governed by your PFCU Membership Agreement and Disclosures and other agreements you may have with us, which, to the extent applicable, are incorporated into this Agreement.  In the event of a conflict between the terms of the aforementioned agreements and this Agreement, the terms of the applicable agreement will prevail unless this Agreement specifically states otherwise.

  1. Contact Information.  It is your responsibility to ensure that your contact information, including your mailing address, telephone number and e-mail address on file with us is up-to-date and accurate. 
  2. Device and Password Security.  You agree to safeguard and protect your credentials including, but not limited to, your username, user ID, passwords, challenge questions and answers and access codes, when using the Services.  If you believe any of your credentials have been compromised, you must notify us at once by calling (215)934-3500.  You agree to protect and secure any mobile device you use to access the Services. 
  3. Online Banking Alerts and Mobile Text Alerts.  If you opt-into online banking alerts and/or mobile text alerts you acknowledge that message and data rates may apply.  You may opt-out of these alerts at any time. By opting into alerts you acknowledge that you are the account holder of the mobile device number and that anyone who has access to your alerts could view the alert information.  Alert information may be delayed or undeliverable by factors beyond our control.  PFCU does not guarantee the delivery of these alerts.  You agree that PFCU is not liable for any delays, delivery failures or errors contained in an alert.
  4. Mobile Text or Chat Communications.  If you opt-into or use mobile text communications or mobile chat communications you acknowledge that message and data rates may apply.  You may opt-out of or stop using mobile text or chat communications at any time.  By opting into or using this service, if available, you acknowledge that you are the account holder of the mobile device number and that anyone who has access to your mobile device could view the mobile text or chat communication.  Communications may be delayed or undeliverable by factors beyond our control.  PFCU does not guarantee the delivery of these communications.  You agree that PFCU is not liable for any delays, delivery failures or errors contained in any mobile text or chat communication.
  5. Acceptable Use.  Your use of the Services is subject to all applicable federal, state and local laws and regulations.  You agree that you shall not use the Services in any way that could harm, disable, overburden or impair the Services. 
  6. Disclaimer of Warranties.  EXCEPT AS OTHERWISE PROVIDED HEREIN AND SUBJECT TO APPLICABLE LAW, PFCU DOES NOT MAKE ANY EXPRESS OR IMPLIED WARRANTIES, REPRESENTATIONS OR ENDORSEMENTS WHATSOEVER WITH RESPECT TO THE SERVICES INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.  THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE."  PFCU DOES NOT GUARANTEE CONTINUOUS, UNINTERRUPTED, TIMELY, SECURED OR ERROR-FREE ACCESS TO THE SERVICES. 
  7. Limitation of Liability.  EXCEPT AS OTHERWISE PROVIDED HEREIN AND SUBJECT TO APPLICABLE LAW, IN NO EVENT SHALL PFCU, ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS AND AFFILIATES BE LIABLE FOR ANY CLAIM ARISING OUT OF OR RELATED TO THE SERVICES CAUSED BY ANY DELAY, INTURRUPTION, FAILURE, MALFUNCTION OR OTHERWISE.  IN NO EVENT SHALL PFCU, ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS AND AFFILIATES BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, PUNITIVE OR EXEMPLARY DAMAGES ARISING OUT OF YOUR USE OF THE SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.  IN NO EVENT SHALL PFCU BE LIABLE TO YOU FOR ANY FAILURE RELATED TO THE SERVICES IF SUCH FAILURE IS DUE TO EVENTS, CAUSES OR CONDITIONS BEYOND OUR CONTROL INLCUDING, BUT NOT LIMITED TO, STRIKES, POWER FAILURES, NATURAL DISASTERS, WAR, NATIONAL OR LOCAL EMERGENCIES, PANDEMICS, ACTS OF GOD, FIRES OR EQUIPMENT OUTAGES. 
  8. Indemnification.  You agree to indemnify and hold PFCU, its directors, officers, employees, agents and affiliates harmless from any loss, claim, expense, damage and cost (including reasonable attorney's fees) made or incurred by any third party due to or arising out of your use or misuse of the Services or your breach of this Agreement.
  9. Links.  Links to third party websites or resources may be found when using the online or mobile banking platform or the Services ("Third-Party Sites").  By providing these links, we make no warranties or guarantees regarding such Third-Party Sites.  You acknowledge you are solely responsible for and assume all risk arising from your use of any Third-Party Sites. 
  10. Fees.  Any fees related to your use of the Services will be contained in our Fee Agreement and/or any other agreement you have with us. 
  11. Error Resolution.  In case of errors or questions about your electronic transactions, please see our Electronic Fund Transfers Agreement and Disclosure, the entirety of which is incorporated into and made part of this Agreement. 
  12. Wireless Services Fees.  You acknowledge that your wireless service provider and/or wireless carrier may assess fess, limitations or restrictions that may impact your use of the Services and you agree that you are solely responsible for any such fees, limitations or restrictions.  Data and messaging charges may apply and you are solely responsible for any such charges. 
  13. Intellectual Property.  All custom graphics, service marks and trademarks related to the Services, whether owned by PFCU or a Service Provider, may not be copied, duplicated or reproduced and is the exclusive property of its owner. 
  14. Governing Law.  This Agreement is governed by the laws of the Commonwealth of Pennsylvania without regard to conflict of laws principals. 
  15. Construction.  All capitalized terms used in this Agreement not otherwise defined herein shall have the meanings set forth in your Membership Agreement and Disclosure.  The headings or paragraphs herein are for convenience only and shall not control or affect the meaning or construction of any part of this Agreement.  In the event of any inconsistency between your Membership Agreement and Disclosure and this Agreement as it relates to the Services, this Agreement shall govern.  If any provision of this Agreement is found to be unenforceable, the remaining provisions shall survive. 
  16. No Waiver.  PFCU shall not be deemed by any act of delay or omission, to have waived any of its rights or remedies unless such waiver is in writing and signed by PFCU.  A waiver on any one occasion shall not be deemed to be a waiver of any right or remedy on any future occasion.
  17. Assignment.  You may not assign your rights or obligations under this Agreement to any other person or entity.  You acknowledge that we may assign or delegate any of our rights or obligations under this Agreement to a third party. 
  18. Entire Agreement.  This Agreement constitutes the entire agreement among the parties hereto concerning the subject matter set forth in this Agreement and supersedes any prior agreement, oral or written, and any other communication between us. 
  19. Amendments.  We may amend this Agreement at any time by posting it to our website unless other notice is required by law.  Any use of the service will constitute your agreement to any such changes, which shall be effective at the time of posting. 
  20. Cancellation of Services.  You may cancel the Services at any time by calling us at (215)934-3500.   Certain Services may be able to be cancelled in the online or mobile banking platform.  A cancellation of the Services does not necessarily close your PFCU account(s).  We may terminate your Services at any time, for any reason, including inactivity.  We may discontinue any or all of the Services offered at any time, for any reason.  Cancellation or termination shall not affect your liability or obligations in this Agreement. 



Rev. 9/2023