Municipal Credit Union - Beloit, Wisconsin  
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iBank Disclosure

To apply for Internet Banking, please read this disclosure and follow the link at the bottom to print out the enrollment form.  Please fill out the form and bring it into the credit union.

The Internet Banking service allows you to do routine banking transactions such as withdrawals and transfers and to view your account status by computer. All transaction are in REAL TIME.

What should I know about the Internet Banking Service?
You consent to the terms of this Agreement each time you use this service.

Each person who signs the Internet Banking application agrees to be bound by the terms and conditions of this Agreement. If more than one person signs the application and enters their PIN, all signers are jointly and severally liable.

You must tell us IMMEDIATELY if you believe your PIN has been lost or stolen.

You will receive a monthly statement for each month there were transactions or activity on your account.

If your statement shows transactions that you did not make, you must inform us immediately. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any monies you lost. If you have authorized someone else to use your PIN, you are responsible for all transactions that person(s) initiates at any time, even if the amount of/or transactions exceed what you may have authorized.

What services are available online?
You may obtain information on all your accounts such as savings and checking balances, loan balances on active accounts, draft clearing information and dividends on share accounts. You may transfer funds between your accounts or to other cross referenced accounts, from savings to checking, checking to savings or make loan payments.

How do I get started?
You may submit an Internet Banking Application once you agree to this disclosure.  Once you have signed an Internet Banking application the Credit Union will assign you a PIN number. The first time you access the system you will need your full account number and you will be instructed to change your PIN. Once your PIN has been changed we DO NOT keep a record of your new PIN. If you forget your PIN, call MCU during our regular business hours and we will issue you a new one.

Are there any limitations?
Fund transfers and withdrawals are subject to the terms and limitations of the specific accounts and funds availability. All transactions are done in real time.

Are there any transaction fees?
At this time there are no transaction fees associated with Internet Banking. In the event that MCU feels the need to access fees in the future we will provide advance notification.

What should I do in case of errors?
You must telephone us as soon as you can if you believe that your statement or a receipt is wrong. We must hear from you no later than 60 days after we sent the first statement on which the error appeared.

Municipal Credit Union may change the terms of this Agreement by mailing or delivering a written notice or amended Agreement to your address of record.

We may immediately terminate this Agreement and your use of Internet Banking if:

You or any authorized user of your account breaches this or any other agreement with the Municipal Credit Union

We have reason to believe that there has been unauthorized use of your access code

There are conflicting claims to the funds

You or any other authorized user of your account has requested that we do so

If any portion of this Agreement should be held to be unenforceable, the remaining provisions of this Agreement shall remain in full force and effect.

Privacy & Security

Municipal Credit Union respects your privacy.

When visiting our website, you may be providing information to Municipal Credit union on two different levels: anonymous statistics collected as you browse the site and personal information you knowingly give us.

Municipal Credit Union would like to assure you that we DO NOT:

Collect personal information from you unless you provide it to us

Provide or sell the names and addresses of our members and site users to outside parties

Municipal Credit Union DOES:

Safeguard membersí and site usersí information from unauthorized access

Maintain the confidentiality of member information which you provide us.

As you navigate through our site at , our web server collects information about your visit, but not about you personally. The web server monitors statistics such as:

How many people visit our website

From which domains our visitors come from ( such as

Which browsers people use to visit out site

While we gather this information, none of it is associated with you as an individual. We use these statistics to monitor the performance of our web site and to make it easier for you and other visitors to use.

I Agree to the Disclosure and want
to continue to the Application

Please fill out the application and bring it in to the credit union.


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