Effective September 15, 2026

This Agreement is the contract that governs your and our rights and responsibilities concerning Online Banking, including your consent to receive electronic communications as provided in Section 11, and incorporates the Electronic Records Delivery Service Agreement and the applicable Bill Pay Addendum, Account Alerts Addendum, External Account Transfers Addendum, Mobile Deposit Service Addendum, and Personal Financial Management Tools Addendum.

In this Agreement, the words “you” and “your” mean the business identified in the Business Membership Application, Account Card, Signature Card, or other account-opening record. “Authorized User” means an individual whom you or an authorized business administrator permits to access one or more Accounts or Services. The words “we,” “us,” “our,” “Credit Union,” and “WSECU” mean Washington State Employees Credit Union. “Account” means each WSECU business savings, checking, or loan account that you link to or access through Online Banking; other WSECU accounts to or from which you initiate or receive transfers; and accounts you own at another financial institution that you establish through the External Account Transfer Service. “Services” means the online services covered by this Agreement, including Bill Pay, External Account Transfers, Account Alerts, Mobile Deposit, Personal Financial Management Tools, downloadable iOS and Android applications, and any future Online Banking service WSECU offers.

By registering for, accessing, or using Online Banking or any optional Service, you agree to this Agreement and each applicable service addendum. This Agreement governs your and our rights and responsibilities concerning Online Banking, Bill Pay, External Account Transfers, Account Alerts, Mobile Deposit, and Personal Financial Management Tools. Certain transactions conducted through the Services may constitute electronic funds transfers, including Bill Pay and External Account Transfer transactions involving your deposit accounts.

1. Online Banking Services.

Upon approval, you may use a supported computer or mobile device to access your accounts at the Credit Union. You must use your username and password and any biometric authentication method you have established to access your accounts. Online Banking is generally available 24 hours a day, seven days a week, but some or all Services may be unavailable periodically because of maintenance, upgrades, outages, or other circumstances. You need a supported computer or mobile device, Internet access, and a supported web browser or the WSECU mobile application. Online Banking is available through our website at wsecu.org and through the WSECU mobile application. You are responsible for installing, maintaining, and operating your computer, mobile device, and related software. The Credit Union is not responsible for errors or failures involving your Internet connection, computer, or mobile device. At present, you may use Online Banking to:

• Transfer funds between your savings, checking and loan accounts.
• Transfer funds between your account and another members account with WSECU.
• Transfer funds between your WSECU savings and checking accounts and your accounts with another financial institution.
• Review account balance, transaction history and tax information for your savings, checking, and loan accounts.
• Review information on your loan account including payoff amounts, due dates, finance charges, interest rate and balance information.
• Make bill payments from any applicable deposit or loan account authorized by WSECU through the Bill Pay service.
• Utilize available card control features as offered on your debit or credit card associated with your account.
• Receive account alerts for specific types or transactions or notices as you designate.
• Communicate with the Credit Union using the Messages feature, when this feature is active and available.
• Transactions involving your deposit accounts will be subject to the terms of your Business Account Agreement and transactions involving a line of credit or loan account will be subject to your Loan Agreement and Disclosures, as applicable.

2. Bill Pay Services.

You enroll in the Bill Pay Service by selecting “Pay My Bills” within Online Banking. During enrollment, your primary checking account is designated as the account from which authorized Bill Pay payments will be deducted. You may request that additional eligible accounts be added by contacting the Credit Union. Through the Service, you may establish merchants, institutions, or individuals as payees. We reserve the right to decline or remove a particular payee or biller.

You and each Authorized User whom you permit to use Bill Pay must access the Service using credentials assigned to that individual. An Authorized User may initiate Bill Pay transactions only within the Accounts and permissions assigned to that person. Please refer to the Bill Pay Addendum for additional terms governing bill payment transactions.

3. External Account Transfer Services.

When you establish the External Account Transfer Service, you may electronically transfer funds between your WSECU savings or checking accounts and a linked checking or savings account that you own at another financial institution.

You and each Authorized User whom you permit to use the External Account Transfer Service must access the Service using credentials assigned to that individual. An Authorized User may initiate transfers only within the Accounts and permissions assigned to that person and only to or from external accounts that have been established or enrolled in the Service. Please refer to the Business External Account Transfers Addendum for additional terms governing these transactions.

4. Online Banking Limitations.

The following limitations on Online Banking transactions may apply:

• Transfers. You may make funds transfers between your linked accounts, to other member accounts or to accounts you have linked with other financial institutions as often as you like. For transfers to other member accounts, the other member must provide you with the account number. You may use this information along with the member’s name to transfer funds. When you initiate transfers to another member’s account, the transfer amount is limited to $2,500 daily. The Credit Union reserves the right to change this limit and we will notify you if your limit is changed. Otherwise, you may transfer or withdraw up to the available balance in your account or up to the available credit limit on a line of credit at the time of the transfer, except as limited under this Agreement or your deposit or loan agreements. Additional transfer limitations may apply to External Account Transfers. Please refer to the External Account Transfer Addendum for additional information. The Credit Union reserves the right to refuse any transaction that would draw upon insufficient or unavailable funds, lower an account below a required balance, or otherwise require us to increase our required reserve on the account.
• Account Information. The account balance and transaction history information may be limited to recent account information involving your accounts. Also, the availability of funds for transfer or withdrawal may be limited due to the processing time for any ATM deposit transactions, Visa® debit card transactions, and our Funds Availability Policy.
• Messages. When the Messages feature is available through Online Banking, the Credit Union may not receive a message immediately and will not act on a request sent through the feature until we receive it and have a reasonable opportunity to act. Do not use the Messages feature for an urgent unauthorized-transaction report or stop-payment request. For immediate assistance, call the Credit Union at the telephone number in Section 8.
• Mobile Services and Transactions. Online Banking allows you to access account information and conduct other financial transactions described in this Agreement using compatible and supported mobile phones and wireless devices (“Wireless Devices”). Online Banking may be unavailable or have limited functionality on some mobile networks, including while roaming. Not all transactions and features available through Online Banking can be accessed through a Wireless Device. After registering for Online Banking, you may access your designated linked accounts through a supported web browser or the WSECU mobile application installed on a compatible mobile device.
• Limitations on Services.  You are responsible for understanding how to use the Services on a supported computer or mobile device and for following the use and operating instructions provided on our website. You are also responsible for the use of your mobile device and the WSECU mobile application. To the extent permitted by applicable law, we are not liable for losses caused by your failure to use the Services, application, or device properly. Technical difficulties may result in loss of data, personalization settings, communications, or access to the Services. We do not control the operation, security, or functionality of your device or mobile network. Account information displayed through the Services reflects the most recent information available to us and may not include recent transactions. If you require current account information, contact us directly.

5. Security of User Credentials.

• Initial Access. To register for Online Banking, you must enter information to validate your account or use the temporary access code provided to you by the Credit Union. During the registration process for access to Online Banking, you will create a username and password. After your initial sign-in, you may change your password at any time by selecting the appropriate function from the “Profiles and Settings” option within Online Banking. You may choose to “remember” or register the non-public computer(s) that you routinely use to access Online Banking. Registering your computer forms a digital fingerprint, allowing the system to recognize your computer(s) each time you log in. If any attempts to access your account are received from an unfamiliar computer or there are significant changes in your computer or Internet access (e.g., change of browser, etc.), a security code will be sent to you. You will be required to enter this code to gain access to your account.
• Biometrics.  You may set up any available biometric solutions offered by WSECU as a method to authenticate you for access to your account through Online Banking with a mobile device. The options you choose can be turned on or off through the “Security Center” menu through the downloadable application(s).
• Security. Online Banking credentials are confidential, must not be shared, and must be protected against unauthorized access or use. You must establish each individual’s access through the Authorized User features made available by WSECU rather than permitting individuals to share credentials. If you establish an Authorized User, that person may review account information and conduct transactions within the permissions assigned to that person, including transactions initiated through Bill Pay, Account Alerts, External Account Transfers, Mobile Deposit, or Personal Financial Management Services. Subject to applicable law and this Agreement, we may act on instructions received through credentials and authentication methods that satisfy the applicable security procedures.
• Authorization.  The Credit Union may rely on the authority of any person who accesses Online Banking using valid credentials assigned to that person and permissions reflected in our records, including a person who is not a signer on your account. Authority granted through the Authorized User features remains effective within the assigned accounts, transaction types, dollar limits, and approval requirements until you revoke or modify that authority and we have a reasonable opportunity to act on the change. You are responsible for transactions initiated within an Authorized User’s assigned authority. If credentials or another authentication method may have been compromised, you must notify us and take any corrective action we reasonably require. If you fail to maintain the security of credentials or authentication methods and the Credit Union suffers a loss, we may terminate your electronic funds transfer and account services immediately.

6. Authorized Users.

You agree to provide each Authorized User a copy of these terms in connection with that person’s use of the Services. The Credit Union may, in its discretion, verify the authenticity or content of any transaction or online request by contacting an authorized signer on your account. We may delay a transaction or deny access to Online Banking without prior notice if we are unable to confirm a person’s authority to access Online Banking. Please refer to the Bill Pay Addendum for additional information concerning Authorized Users and Global Access.

A business administrator may establish, modify, suspend, or remove Authorized Users and may assign transaction types, accounts, dollar limits, approval requirements, and other permissions made available through the Services. You are responsible for selecting administrators and Authorized Users, reviewing their access and permissions regularly, promptly removing access when authority changes or employment ends, and ensuring that each user has unique credentials. Unless WSECU agrees otherwise in writing, WSECU may rely on instructions and permission changes submitted by a business administrator or Authorized User acting within the access shown in our records.

• Security. You agree that the credentials, security codes, authentication methods, approval workflows, transaction limits, and other security controls WSECU makes available for the Services constitute security procedures for verifying payment orders, transfer instructions, and other requests. You will review the available controls, select controls appropriate for your business, and use them as instructed. You will notify us immediately if you believe a security procedure, device, credential, administrator, or Authorized User has been compromised. WSECU may reject, delay, or require additional verification of any instruction when we reasonably believe it may be unauthorized, fraudulent, incomplete, inconsistent with your permissions, or a threat to the security of the Services. The parties’ rights and obligations concerning payment orders and security procedures remain subject to applicable law, including Article 4A of the Uniform Commercial Code where applicable.

You understand the importance of your role in preventing misuse of your Accounts and agree to examine each paper or electronic statement promptly after receipt and notify us of any errors in accordance with your Business Account Agreement. You agree to protect the confidentiality of your Accounts, account numbers, credentials, security codes, authentication methods, and devices. We use encryption and other security measures intended to protect data transmitted through the Services. Nevertheless, use of the Internet, e-mail, mobile networks, and other electronic communication methods involves risks of unauthorized access, interception, corruption, or transmission error, and we do not warrant that electronic communications will be completely secure.

7. Card Controls.

Card Controls are a service provided through Online Banking that allows you to control certain features on your debit or credit card associated with your account. From time to time, we may make additional card control features available to you.

• Card Lock/Unlock. Card Controls currently allow you to lock or unlock eligible cards. Locking a card generally causes subsequent authorization requests to be declined, but it may not prevent transactions that do not require a new authorization, transactions already authorized, recurring transactions, credits, reversals, or other transactions identified by WSECU. Unlocking a card restores its availability for authorization requests, subject to the standard limits and controls established by WSECU. An account owner or Authorized User with applicable permissions may activate or deactivate Card Controls for an eligible card associated with the account.

8. Member Liability.

You are responsible for all transactions you authorize using Online Banking under this Agreement and for transactions initiated by Authorized Users within the authority and permissions you assign to them. Bill Pay payments made by a check drawn on your account are identified within the Bill Pay Service by the words “Accepts: Checks.” On the Account Summary screen, applicable check-payment transactions display a check icon and the associated check number. Please refer to the Bill Pay Addendum for additional information concerning check payments and your rights.

Tell us at once if you believe anyone has used your online banking credentials, or your wireless access device and has accessed your accounts without your authority. Telephoning us is the best way of keeping your possible losses down.

If you believe your online banking credentials have been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call our Contact Center at 800.562.0999 from 7:00 am-7:00 pm Monday-Friday and 9:00 am-2:00 pm Saturdays.

Or write:

Washington State Employees Credit Union
PO Box WSECU
Olympia, WA 98507

9. Business Days.

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

10. Fees and Charges.

Please refer to WSECU’s current Business Services Rates and Fees for a complete list of fees associated with Online Banking and your account. From time to time, the fees may be changed. We will notify you of any changes as required by law.

11. Statements and Consent to Electronic Communications.

Transfers and withdrawals conducted through Online Banking will be recorded on your periodic account statement. You will receive a statement monthly for each month in which electronic transfers are processed on your account. If you have only a savings account and do not request or process any electronic funds transfers, you will receive a statement quarterly. By affirmatively consenting through the enrollment process and using Online Banking, you agree to conduct transactions electronically and to receive this Agreement, applicable service addendums, account statements, notices, disclosures, amendments, transaction confirmations, and other communications relating to the Services in electronic form, except where applicable law requires a different form of delivery. Please refer to the Electronic Records Delivery Service Agreement for additional terms governing electronic communications. Electronic communications may be provided through Online Banking, the WSECU mobile application, the Messages feature, e-mail, or another electronic method designated by WSECU. You agree to provide and maintain a valid e-mail address and other current contact information and to notify us promptly of any changes. You may withdraw your consent to receive required communications electronically by calling our Contact Center at 800.562.0999 or writing to Washington State Employees Credit Union, PO Box WSECU, Olympia, WA 98507. Withdrawal of consent will not affect the legal effectiveness or enforceability of communications provided before withdrawal and may result in termination of Online Banking or any Service that requires electronic delivery. You may request a paper copy of an electronic communication using the same contact information, and any applicable fee will be disclosed before it is charged. To receive and retain electronic communications, you must have a supported computer or mobile device, Internet access, a supported web browser or the WSECU mobile application, a valid e-mail account, and the ability to open, save, and print or otherwise retain electronic records. By consenting, you confirm that you can access and retain electronic communications in the formats we use. We will notify you of any material change to these hardware or software requirements as required by applicable law.

The Electronic Records Delivery Service Agreement is incorporated into and supplements this Section 11. If its terms conflict with this Section 11 concerning electronic records or communications, the Electronic Records Delivery Service Agreement controls to the extent of the conflict.

12. Account Information Disclosure.

We will maintain the confidentiality and privacy of your account information in accordance with our privacy policy as stated on our website at wsecu.org. However, we may disclose information to third parties about your account or the transfers you make:

• As necessary to complete transfers.
• To verify the existence of sufficient funds to cover specific transactions upon the authorized request of a third party merchant.
• To comply with government agency or court orders.
• If you give us your express permission.

13. Limitation of Liability for Failure for Online Banking Services.

If we fail to complete a transfer or transaction to or from your account on time or in the correct amount in accordance with this Agreement, our liability will be determined under applicable law and this Agreement. When an error can be corrected, our responsibility may be limited to correcting the error to the extent permitted by applicable law. Neither WSECU nor a service provider will be responsible for losses or damages caused by equipment, software, Internet access providers, online service providers, or any agent or subcontractor of those parties, except to the extent responsibility cannot be excluded or limited under applicable law. To the extent permitted by applicable law, WSECU and its service providers will not be liable for indirect, special, incidental, or consequential damages arising from the installation, download, use, or maintenance of equipment, software, Online Banking, an Internet browser, or access software. Although we use measures intended to protect communications sent through Online Banking, we do not warrant or guarantee that those communications will be secure. In jurisdictions that do not permit an exclusion or limitation described above, liability is limited only to the extent permitted by applicable law. The Credit Union will not be liable in the following circumstances:

• If, through no fault of ours, you do not have enough money in your account to make the transfer, your account is inactive, or the transfer would go over the credit limit on your line of credit, if applicable.
• If you used the wrong online credentials or you have not properly followed any applicable computer, or Credit Union user instructions for making transfer and bill payment transactions.
• If your computer fails or malfunctions or Online Banking was not properly working and such problem should have been apparent when you attempted such transaction.
• If circumstances beyond the Credit Union’s reasonable control, including fire, flood, telecommunications outages, strikes, or equipment or power failure, prevent or delay the transaction, provided that we exercise any care required by applicable law.
• If the funds in your account are subject to an administrative hold, legal process or other claim.
• If you have not given the Credit Union complete, correct and current instructions so the Credit Union can process a transfer.
• If, through no fault of ours, a bill payment or funds transfer transaction does not reach a particular creditor and a fee, penalty, or interest is assessed against you.
• If the error was caused by a system beyond the Credit Union's control such as a telecommunications system or Internet service provider.

We will provide any notice required by applicable law or Section 15.

14. Termination of EFT Services.

We may terminate this Agreement or suspend or terminate any Service covered by it if you or an Authorized User breaches this Agreement or another agreement with us, or if we reasonably believe that an account, credential, authentication method, or Service has been used or may be used without authority or in a manner that threatens the security of the Services.

You may terminate this Agreement by notifying us in writing through an authorized signer or business administrator. Termination of the Service will be effective on the first business day after we receive your written notice. Termination of this Agreement will not affect the rights and responsibilities of the parties under this Agreement for transactions initiated before termination.

15. Notices.

The Credit Union reserves the right to change the terms and conditions under which a Service is offered. We will provide notice of a change within the time and by the method required by applicable law, including by mail or through an electronic delivery method to which you have consented under Section 11. Your continued use of a Service or a Service covered by an applicable addendum after the effective date of a change constitutes your agreement to the updated terms and conditions to the extent permitted by applicable law. The Services remain subject to applicable laws and regulations governing your accounts, as amended from time to time.

16. Service Availability.

You acknowledge that the Services are provided on an “as is” and “as available” basis. Service availability depends on the operation and availability of the communication systems used to transmit your instructions and requests to the Credit Union. To the extent permitted by applicable law, the Credit Union is not responsible for errors, losses, damages, or omissions in information resulting from your use of the Services or from the failure or interruption of a communication system. You acknowledge the security, corruption, transmission-error, and access-availability risks associated with using open networks, including the Internet and telecommunications lines or circuits, and you assume those risks to the extent permitted by applicable law.

17. Enforcement.

You agree to be liable to the Credit Union for any liability, loss, or expense as provided in this Agreement that the Credit Union incurs as a result of any dispute involving your accounts or services. You authorize the Credit Union to deduct any such liability, loss or expense from your account without prior notice to you. This Agreement shall be governed by and construed under the laws of the state of Washington as applied to contracts entered into solely between residents of, and to be performed entirely in, such state. In the event either party brings a legal action to enforce the Agreement or collect any overdrawn funds on accounts accessed under this Agreement, the prevailing party shall be entitled, subject to Washington law, to payment by the other party of its reasonable attorney's fees and costs, including fees on any appeal, bankruptcy proceedings, and any post-judgment collection actions, if applicable. If any provision of this Agreement is determined to be illegal or unenforceable in a relevant jurisdiction, a court of competent jurisdiction may modify that provision, if permitted by law, only to the extent necessary to make it enforceable. If the provision cannot be modified, it will be severed to the extent necessary, and the remaining provisions of this Agreement will remain in effect.

18. Service Addendums.

Each addendum listed below is incorporated into this Agreement when you enroll in, access, or use the Service governed by that addendum. If an addendum conflicts with this Agreement concerning the Service addressed by the addendum, the addendum controls to the extent of the conflict.

Bill Pay Addendum. The Bill Pay Addendum governs your use of the Bill Pay Service.

Account Alerts Addendum. The Account Alerts Addendum governs your use of Account Alerts.

Business External Account Transfers Addendum. The External Account Transfers Addendum governs your use of the External Account Transfer Service.

Business Mobile Deposit Service Addendum. The Mobile Deposit Service Addendum governs your use of Mobile Deposit.

Personal Financial Management Tools Addendum. The Personal Financial Management Tools Addendum governs your use of Personal Financial Management Tools.

Electronic Records Delivery Service Agreement. The Electronic Records Delivery Service Agreement governs your consent to receive electronic records and communications and supplements Section 11.