Terms and Conditions
PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING THIS SITE AND ANY PAGES THEREOF, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS BELOW. IF YOU DO NOT AGREE TO THE TERMS AND CONDITIONS BELOW, DO NOT ACCESS THIS SITE, OR ANY PAGES THEREOF.
COPYRIGHT © WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION 2016. ALL RIGHTS RESERVED.
All content included on this site, such as text, graphics, images, photographs, audio clips, digital clips, and logos, is the property of Wright Patman Congressional Federal Credit Union ("Credit Union") and is protected by both United States and International copyright laws. Any copying, downloading, reproduction, or other use of any information contained on the site may be punishable as a criminal offense as provided in 18 U.S.C. 2319.
USE OF INFORMATION AND MATERIALS
The information and materials contained in these pages, and the terms, conditions, and descriptions that appear, are subject to change. Your continued use of the website indicates your continued agreement to be bound by this Agreement, as changed from time to time. You should view these agreements periodically to stay informed of changes that may affect you. Unauthorized use of Credit Union's web sites and systems including but not limited to unauthorized entry into Credit Union's systems, misuse of passwords, or misuse of any information posted on a site is strictly prohibited. Your eligibility for particular products and services is subject to final determination by Credit Union and/or its affiliates. Investment services are not credit union deposits or insured by the National Credit Union Share Insurance Fund ("NCUSIF") or other entity, and are subject to investment risks, including possible loss of principal amount invested.
LINKS
THIS SITE MAY CONTAIN LINKS TO WEB SITES CONTROLLED OR OFFERED BY THIRD PARTIES (NON-AFFILIATES OF CREDIT UNION). CREDIT UNION HEREBY DISCLAIMS LIABILITY FOR, ANY INFORMATION, MATERIALS, PRODUCTS OR SERVICES POSTED OR OFFERED AT ANY OF THE THIRD PARTY SITES LINKED TO THIS WEB SITE. BY CREATING A LINK TO A THIRD PARTY WEB SITE, CREDIT UNION DOES NOT ENDORSE OR RECOMMEND ANY PRODUCTS OR SERVICES OFFERED OR INFORMATION CONTAINED AT THAT WEB SITE, NOR IS CREDIT UNION LIABLE FOR ANY FAILURE OF PRODUCTS OR SERVICES OFFERED OR ADVERTISED AT THOSE SITES. SUCH THIRD PARTY MAY HAVE A PRIVACY POLICY DIFFERENT FROM THAT OF CREDIT UNION AND THE THIRD PARTY WEBSITE MAY PROVIDE LESS SECURITY THAN THE CREDIT UNION SITE. CREDIT UNION HIGHLY RECOMMENDS THAT YOU REVIEW THE PRIVACY POLICY OF EACH WEBSITE PRIOR TO CONDUCTING ANY TRANSACTION ON SAID WEBSITE.
COOKIES
Cookies are pieces of information stored directly on the device you are using. We use cookies and information gathered through their use to make your experience with Congressional Federal Credit Union more personalized based on the products, services, or other interaction you have with us and other sites. Information gathered through use of cookies may be used to make offers to you via online ads on the Congressional Federal website and on third party websites. We also use cookies, sometimes in conjunction with service providers, in online advertising either on our own website or on third party sites to help determine which of our advertisements are most likely to appeal to you.
Cookies also allow us to collect information such as browser type, time spent on the site, pages visited, language preferences, and your relationship with us. We use the information for security purposes, to facilitate navigation, to display information more effectively, to personalize your experience while engaging with us, and to recognize your device to allow your use of our online banking products and services. We collect statistical information about the usage of the site in order to continually improve the design and functionality, to monitor responses to our advertisements and content, to understand how Members and visitors use the site and to assist us with resolving questions regarding the site.
Google Analytics is used to collect much of this information. For more information about Google Analytics view
Google’s Privacy Policy
Cookie Settings and Do Not Track Signals
You can refuse to accept cookies and enable “Do Not Track” signals as most devices and web browsers offer their own privacy settings. You will need to manage your privacy settings for each device and browser you use. If you do not accept cookies, you may be unable to use many features of our site, including online products and services. For example, you will not be able to access our online banking services if all cookies are blocked.
“Do Not Track” signals and cookie settings may vary among browsers and devices. We attempt to create a consistent experience for Members but we may be unable to recognize all privacy settings due to the evolution of industry standards and technological advancement.
Google Analytics
We use Google Analytics to collect information about use of our website. Google Analytics collects information such as how often users visit this site, what pages they visit when they do so, and what other sites they used prior to coming to this site. We use the information we get from Google Analytics only to improve this site. Google Analytics collects only the IP address assigned to you on the date you visit this site, rather than your name or other identifying information. We do not combine the information collected through the use of Google Analytics with personally identifiable information. Although Google Analytics plants a permanent cookie on your web browser to identify you as a unique user the next time you visit this site, the cookie cannot be used by anyone but Google. Google’s ability to use and share information collected by Google Analytics about your visits to this site is restricted by the
Google Analytics Terms of Use and the Google Privacy Policy. You can prevent Google Analytics from recognizing you on return visits to this site by
disabling cookies on your browser.
Hotjar
We use Hotjar in order to better understand our users’ needs and to optimize this service and experience. Hotjar is a technology service that helps us better understand our users’ experience (e.g. how much time they spend on which pages, which links they choose to click, what users do and don’t like, etc.) and this enables us to build and maintain our service with user feedback. Hotjar uses cookies and other technologies to collect data on our users’ behavior and their devices. This includes a device's IP address (processed during your session and stored in a de-identified form), device screen size, device type (unique device identifiers), browser information, geographic location (country only), and the preferred language used to display our website. Hotjar stores this information on our behalf in a pseudonymized user profile. Hotjar is contractually forbidden to sell any of the data collected on our behalf.
For further details, please see the ‘about Hotjar’ section of Hotjar’s support site.
TransferNow Funds Transfer Services
1. Service Description
As part of our digital banking experience, you may access TransferNow to transfer funds between your eligible deposit accounts with us and your external accounts at other U.S. financial institutions where you have an ownership interest. Transfers are processed on your behalf by our service provider, acting solely as a technology and facilitation agent.
2. Account and Residency Eligibility
To use TransferNow, you must:
- Maintain an eligible deposit account with us,
- Hold external accounts at U.S.-based financial institutions, and
- Maintain a valid physical address in the United States.
We may require verification of your U.S. address and external account ownership as part of our risk management process.
3. Transaction Timing and Limits
Transfer timing and dollar limits may apply. Standard delivery typically occurs within three (3) business days; expedited options, if available, may incur additional fees. Transaction amount, speed, and frequency limits are enforced for your protection and may change without prior notice based on risk assessments.
4. Fees
Fees may apply for certain transfers, including expedited or returned transactions. A full fee schedule is available on our website. By initiating a transfer, you agree to any applicable fees being debited from your account.
5. User Responsibility
You are responsible for ensuring the accuracy of all account information and transfer instructions. We are not liable for losses arising from incorrect information you provide, including misdirected payments.
6. Risk of Loss
You accept all risk of transaction losses resulting from unauthorized or failed transfers unless otherwise required by law (e.g., protections under Regulation E). We and our service providers may attempt to recover uncollected funds by debiting other linked accounts.
7. Compliance and Fraud Prevention
By using TransferNow, you agree to comply with all applicable laws, including U.S. anti-money laundering and sanctions laws. We reserve the right to suspend or terminate access to TransferNow if we detect or suspect any fraudulent or unlawful activity.
8. Data Usage and Privacy
We and our service providers collect, use, and retain certain personal information and account data necessary to facilitate your transfer requests, consistent with our Privacy Policy and applicable law. This includes sharing data with third-party verification providers to confirm account ownership.
9. Suspension and Termination
We may suspend or permanently terminate your access to TransferNow without prior notice if we detect imminent risk, security threats, or regulatory concerns associated with your activity.
10. Limitation of Liability
EXCEPT AS OTHERWISE PROVIDED HEREIN AND SUBJECT TO APPLICABLE LAW, IN NO EVENT WILL CONGRESSIONAL FEDERAL, ITS DIRECTORS, OFFICERS, EMPLOYEES OR AGENTS BE LIABLE FOR ANY DAMAGES WHATSOEVER, INCLUDING, BUT NOT LIMITED TO ANY INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY OR OTHER INDIRECT DAMAGES ARISING OUT OF (I) ANY TRANSACTION CONDUCTED THROUGH OR FACILITATED BY THE SERVICE; (II) ANY CLAIM ATTRIBUTABLE TO ERRORS, OMISSIONS, OR OTHER INACCURACIES IN THE SERVICE DESCRIBED OR PROVIDED, (III) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA, OR (IV) ANY OTHER MATTER RELATING TO THE SERVICE DESCRIBED OR PROVIDED, EVEN IF CONGRESSIONAL FEDERAL HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IF YOU ARE DISSATISFIED WITH THE SERVICE OR WITH THESE TERMS AND CONDITIONS, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SERVICE.
IN THOSE STATES WHERE THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES MAY NOT APPLY, ANY LIABILITY OF CONGRESSIONAL FEDERAL, ITS DIRECTORS, OFFICERS, EMPLOYEES OR AGENTS IN THOSE STATES IS LIMITED AND WARRANTIES ARE EXCLUDED TO THE GREATEST EXTENT PERMITTED BY LAW, BUT SHALL, IN NO EVENT, EXCEED ONE HUNDRED DOLLARS ($100.00).
11. Modification of Terms
We reserve the right to amend these terms, including service features or applicable fees, by posting updated terms. Your continued use of TransferNow following notice of changes constitutes your acceptance.
NO WARRANTY
THE INFORMATION AND MATERIALS CONTAINED IN THIS SITE, INCLUDING TEXT, GRAPHICS, LINKS OR OTHER ITEMS ARE PROVIDED "AS IS", "AS AVAILABLE". CREDIT UNION DOES NOT WARRANT THE ACCURACY, ADEQUACY OR COMPLETENESS OF THIS INFORMATION AND MATERIALS AND EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS IN THIS INFORMATION AND MATERIALS. NO WARRANTY OF ANY KIND, IMPLIED, EXPRESSED OR STATUTORY INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF NON-INFRINGEMENT OF THIRD PARTY RIGHTS, TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND FREEDOM FROM COMPUTER VIRUS, IS GIVEN IN CONJUNCTION WITH THE INFORMATION AND MATERIALS.
LIMITATION OF LIABILITY
IN NO EVENT WILL CREDIT UNION BE LIABLE FOR ANY DAMAGES, INCLUDING WITHOUT LIMITATION DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, LOSSES OR EXPENSES ARISING IN CONNECTION WITH THIS SITE OR ANY LINKED SITE OR USE THEREOF OR INABILITY TO USE BY ANY PARTY, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE, EVEN IF CREDIT UNION, OR REPRESENTATIVES THEREOF, ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES.
SUBMISSIONS
All information submitted to Credit Union via this site shall be deemed and remain the property of the Credit Union and Credit Union shall be free to use, for any purpose, any idea, concepts, know-how or techniques contained in information a visitor to this site provides Credit Union through this site. Credit Union shall not be subject to any obligations of confidentiality regarding submitted information except as agreed by the Credit Union or as otherwise specifically agreed or required by law. Nothing contained herein shall be construed as limiting or reducing Credit Union's responsibilities and obligations to its members in accordance with the Wright Patman Congressional Federal Credit Union's Privacy Notice.
SECURITY
Credit Union may assign to each member authorized to conduct business on this web site a unique User ID ("User ID") and a corresponding password and/or other access codes ("Access Code") to enable the member to access and use such functions within the Sites as member shall authorize. Member shall (i) maintain, (ii) take appropriate steps to ensure that anyone to whom it gives the User ID or Access Code ("Authorized User") maintains, and (iii) inform any Authorized User of member's obligation to maintain, the confidentiality of User IDs and Access Codes and the security of the Sites. Member shall not permit any person other than an Authorized User to access or use the Sites on its behalf or to use any User ID or Access Code and shall educate and familiarize those Authorized Users who access and/or use the Sites with member's obligations under this Agreement. Member acknowledges and agrees that member and/or its Authorized User may access the Sites through the World Wide Web or other Internet service which is not necessarily secure, and Credit Union does not warrant that such system is secure. Member agrees to be bound by all communications (and the consequences thereof) placed on, executed through or facilitated by the Sites that are accompanied by a valid User ID and a valid Access Code assigned to member or an Authorized User. Upon becoming aware of, or if member suspects, a technical failure or any improper access to or use of the Sites or Access Codes by any Authorized User or other person, member shall promptly notify Credit Union of such occurrence, and shall, as promptly as practicable, to the extent any improper access or use is by an Authorized User, take immediate actions to terminate such Authorized User's access to and use of the Sites. Credit Union reserves the right to limit or terminate member's or any Authorized User's access to and use of the Sites immediately and without notice.
CHILDREN'S ONLINE PRIVACY PROTECTION ACT (COPPA)
The Children's Online Privacy Protection Act (COPPA) was passed to give parents increased control over what information is collected from their children online and how such information is used. The law applies to websites and services directed to, and which knowingly collect information from children under 13. The credit union's websites and online services are not directed to children under the age of 13, nor is information knowingly collected from them. For additional information on COPPA protections,
visit the Federal Trade Commission's website.
AVAILABILITY
This site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation.
ADDITIONAL TERMS
Certain sections or pages on this site may contain separate terms and conditions, which are in addition to these terms and conditions. In the event of a conflict, the additional terms and conditions will govern for those sections or pages.
GOVERNING LAW
Use of this site shall be governed by all applicable Federal laws of the United States of America and the laws of the District of Columbia. You hereby consent and submit to jurisdiction in the Federal or state courts of Washington, D.C., United States of America.