privacy policy

Facts	What does midwest america federal credit union (mwafcu) do with your personal information?
Why?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?	The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security number Account balances Account transactions Payment history Transaction history Checking account information
How?	All financial companies need to share members’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members’ personal information; the reasons MidWest America Federal Credit Union choose to share; and whether you can limit this sharing.

Reasons we can share your personal information	does mwafcu share?	can you limit this sharing?
For our everyday business purposes - Such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes - to offer our products and services to you	No	We don't share
For our affiliates' everyday business purposes - information about your transactions and experiences	No	We don't share
For our affiliates' everyday business purposes - information about your creditworthiness	No	We don't share
For nonaffiliates to market to you	No	We don't share

Who we are
Who is providing this notice?	MidWest America Federal Credit Union (MWAFCU)

 

 

Mobile Remote Deposit Services Agreement & Image Collection

PLEASE NOTE: ALL CHECKS MUST BE ENDORSED WITH SIGNATURE AND THE WORDS FOR MOBILE DEPOSIT ONLY 

Mobile Deposit is designed to allow you to make deposits of checks ("original checks") to your accounts from home or other remote locations by scanning the original checks and delivering the digital images and associated deposit information ("images") to us or our processor with your Mobile Device. Please note, business account members may incur a fee to utilize this service.

Limits. We may establish limits on the dollar amount and/or number of items or deposits from time to 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.

Eligible items. You agree to scan and deposit only checks (i.e., drafts drawn on a credit union, savings and loan or bank and payable on demand.)

You agree that you will not use Mobile Deposit to deposit:

• Checks payable to any person or entity other than you (i.e., payable to another party and then endorsed to you).

• Checks payable to you and another party who is not a joint owner on the account.

• Checks that contain evidence of alteration, or that 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.

Requirements. Each image must 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 must meet the standards established by the American National Standards Institute, the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association.

Endorsements must be made on the back of the share draft or check within 1½ inches from the top edge, although we may accept endorsements outside this space. Your endorsement must include your signature and "via mobile deposit.” Any loss we incur from a delay or processing error resulting from an irregular endorsement or other markings by you will be your responsibility.

A check payable to two payees must be endorsed by both payees. If the check is payable to you or your joint owner, either of you can endorse it. If the check is made payable to you and your joint owner, both of you must endorse the check.

Receipt of Deposit. All images processed for deposit through Mobile Deposit will be treated as "deposits" under your current Account Agreement with us and will be subject to all terms of the Account Agreement. When we receive an image, we will confirm receipt via email to you. We shall not be deemed to have received the image for deposit until we have confirmed receipt to you. Confirmation does not mean that the image contains no errors. We are not responsible for any image that we do not receive.

Following receipt, we may process the image by preparing a "substitute check" or clearing the item as an image.

We reserve the right, at our sole and absolute discretion, to reject any image for remote deposit into your account. We will notify you of rejected images.

Original checks. After you receive confirmation that we have received an image, you must securely store the original check for 60 calendar days after transmission to us and make the original check accessible to us at our request. Upon our request from time to time, you will deliver to us within 10 calendar days, at your expense, the requested original check in your possession. If not provided in a timely manner, such amount will be reversed from your account. Promptly after such period expires, you must destroy the original check by first marking it "VOID" and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of an original check, the image will be the sole evidence of the original check.

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.

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. 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 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 have possession of the original check and no party will submit the original check for payment.

With respect to each image, you make to us all representations and warranties that we make or are deemed to make to any party pursuant to law, regulation or clearinghouse rule. You agree that 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.

Compliance with Law. You will use Mobile Deposit for lawful purposes and in compliance with all applicable laws, rules and regulations. You warrant that you will only transmit acceptable items for deposit and have handled the original items in accordance with applicable laws, rules and regulations.

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 may deposit original checks at our branches or through our ATMs.

Funds Availability. Mobile deposits confirmed as received and approved by us will be posted to your account. The first $225.00 of your mobile deposit will be available on the same business day we receive your deposit and the remaining funds will be available within two business days.

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 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 and monitor you, and you agree to cooperate with us to permit such monitoring, to confirm that you have satisfied your obligations under this Agreement.

Your Responsibility. You are solely responsible for the quality, completeness, accuracy, validity and integrity of the image. You are solely responsible if you, intentionally or unintentionally, submit fraudulent, incorrect or illegible images to us or if Mobile Deposit is used, by authorized or unauthorized persons, to submit fraudulent, unauthorized, inaccurate, incorrect or otherwise improper or unusable images to us.

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. We and our technology partners, retain all rights, title and interests in and to the Services, Software and Development made available to you.

Accountholder's Indemnification Obligation. You understand and agree that you are required to indemnify us (and our Technology partners) and hold us (and our technology partners) harmless against any and all claims, actions, damages, liabilities, costs, and expenses, including reasonable attorneys' fees and expenses arising from your use of the Services and/or breach of this Disclosure and Agreement. You understand and agree that this paragraph shall survive the termination of this Agreement.

DISCLAIMER OF WARRANTIES. YOU AGREE THAT YOUR USE OF ANY REMOTE BANKING SERVICE AND ALL INFORMATION AND CONTENT (INCLUDING THAT OF THIRD PARTIES) IS AT YOUR RISK AND IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. WE DISCLAIM ALL WARRANTIES OF ANY KIND AS TO THE USE OF ANY REMOTE BANKING SERVICE, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. WE MAKE NO WARRANTY THAT ANY REMOTE BANKING SERVICE WILL MEET YOUR REQUIREMENTS OR WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE. WE MAKE NO WARRANTY THAT THE RESULTS THAT MAY BE OBTAINED WILL BE ACCURATE OR RELIABLE OR THAT ANY ERRORS IN ANY REMOTE BANKING SERVICE OR TECHNOLOGY WILL BE CORRECTED.

LIMITATION OF LIABILITY. YOU AGREE THAT WE WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER LOSSES INCURRED BY YOU OR ANY THIRD PARTY ARISING FROM OR RELATED TO THE USE OF, INABILITY TO USE, OR THE TERMINATION OF THE USE OF ANY REMOTE BANKING SERVICE, REGARDLESS OF THE FORM OF ACTION OR CLAIM (WHETHER CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE), EVEN IF WE HAVE BEEN INFORMED OF THE POSSIBILITY THEREOF, EXCEPT AS OTHERWISE REQUIRED BY LAW

Financial Information. You must inform us immediately of any material change in your financial circumstances or in any of the information provided in your Application for any Remote Banking services. You agree to provide us any financial information we reasonably request during the term of this Agreement. You authorize us to review your history from time to time.

Contact Sharing

By opting to upload your contact list, it will support the functionality of the app's products and services. Rest assured, none of the contact information you upload will be sold or shared with third parties. 

Online Privacy Policy

MidWest America Federal Credit Union recognizes the importance of protecting the privacy of members and others who visit our websites. To this end, MidWest America Federal Credit Union is committed to securing and protecting information that may personally identify you in the online environment. This is MidWest America’s commitment to you, our valued members.

For each visit to our websites, we collect the domain name and information volunteered by visitors (such as survey information and/or site registrations). We also collect the email addresses of those who communicate with us via email so that we may respond. Information on what pages are accessed or visited is collected on an aggregate basis, not individually.

The information we collect is used to improve the content of our websites and the services and products that may be offered to you. This information may also be used to notify visitors who have requested to be contacted about product news, updates, and information.

If you do not want to receive email from us in the future, please let us know by sending email to us at [email protected] telling us that you do not want to receive email from the credit union.

If you supply us with your postal address and/or telephone number online, we may use them to contact you with information on products and services or upcoming events. If you never wish to be contacted for any products, services, or special promotions, please let us know by sending email to [email protected].

It should be noted that information contained in email is not entirely secure and can be intercepted by a third party. Instead of relaying sensitive personal information via email, we suggest you visit one of our branches or call our telephone call center at 260-482-3334 or toll free at 1-800-348-4738. Members who are registered for MidWest Internet Banking or MidWest Mobile Banking can also use the built in Messages function to share information securely with our member services team.

• Cookies: We use cookies in the MidWest Internet Banking section of our website. A cookie is a small text file that is given to a web browser by a web server and allows us to recognize you while you use MidWest Internet Banking. For security purposes, the cookie contains limited information.
• Banners and Web Linking: Our website contains banner advertisements and hypertext links. These are links to websites created and maintained by other public and private organizations that provide products, services, or information that may be helpful to members. We will not represent either the third party or the member if the two enter into a transaction. Also, we cannot be responsible for the personal information collected and used by these sites, or their security. We encourage you to always read a website’s privacy policy and security information before giving them any personal information. Furthermore, when you click on a banner advertisement, a tag will be used to track “click-throughs” from our site. These tags do not contain any personal information, and are only used for traffic evaluation.
• Online Security: We maintain reasonable security to protect member information. Our database is not directly accessible through the internet. Firewalls and TLS (Transport Layer Security) protocol that utilizes advanced industry standard encryption and authentication technology are used to protect proprietary information on our network from unauthorized access via the Internet. Network traffic is monitored for hacking activity and computer viruses and a third party security service provider regularly evaluates and tests for system vulnerabilities.

What can members do to protect their accounts? They can choose usernames that are not linked directly to their names and include a combination of alphabetic, numeric and special characters. They can add to the security of their accounts by choosing unique passwords at least eight characters long that include a combination of alphabetic, numeric and special characters. Once these credentials are configured, members should keep their usernames and passwords confidential. To be sure that their accounts are secure, members can view the event logs under settings to check for unauthorized attempts to access their account. If unauthorized attempts have occurred, members should change their passwords immediately and evaluate the security of their PCs.

• Children’s Online Privacy: Normally, we do not knowingly collect, use, or maintain personal information from our website about children under the age of 13. However, members of all ages can submit questions, comments, or requests through the website. Should a child under the age of 13 send personal information to us, we will only use that information to respond directly to the child. Only information required to complete the request such as email address, name, and type of request will be collected. After the response is made, all paper and electronic information related to the child will be destroyed. If the child is requesting a service or similar activity where service or repeated communication between the child and the Credit Union is necessary, parental/guardian consent will be sought. If consent is not received, all paper and electronic information related to the child will be destroyed. Under no circumstances will personal information collected from children under the age of 13 be shared with non-affiliated third parties.

With proper identification, parents/guardians may review personal information collected about their child under the age of 13. The parent/guardian may request that information collected about their child under the age of 13 be deleted from Credit Union records. Please contact us at [email protected] or call our telephone call center at 260-482-3334 or toll free at 1-800-348-4738 to make this request.