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Bear Paw Credit Union RDC Terms and Conditions:

Availability of Funds:
The funds you deposit through Mobile Deposit may not be immediately available to you.

The funds for the checks that are deposited using the Mobile Deposit service will be available in accordance with Bear Paw Credit Union's Funds Availability Policy. In order to determine the availability of your funds, you will need to determine the date that the Check Images are received by the credit union.

You understand and acknowledge that transmitting an Electronic Item does not mean the Credit Union received the Electronic Item. The Credit Union deems an Electronic Item received when it acknowledges receipt. The Credit Union is not responsible for Electronic Items it does not receive or for images dropped during transmission. If an Electronic Item is incomplete, contains errors, or has any other problems, the Credit Union will make a reasonable effort to notify the Member via the e-mail on file.

You are in possession of the Original Check which is made payable to you.
You have not and will not deposit the original check.
You will retain each Check for a reasonable period of time, but in no event fewer than 30 days after such Check has been digitized and processed.
If you successfully complete the scanning process and receive your electronic deposit receipt prior to 4:00pm MST, your deposit may be posted to your account the same day.

Any Check Image deposit that requires review or that is received after 4:00pm MST or on Saturdays, Sundays, federal holidays and Christmas Eve will be posted on Bear Paw Credit Union's next business day.

Items which exceed certain limits may be held for review and you will be notified to the E-mail address on file.

Acknowledgement that your Check Image deposit has been received by the credit union does not mean that the Check Image deposit was received error free.

You acknowledge that Bear Paw Credit Union reserves the right to return checks to you and to deduct the deposited funds, plus any applicable fees, if we determine that the check does not conform to our deposit or image standards.

This Online banking and Mobile Agreement states the terms and conditions that govern my use of Online Banking. Mobile Banking and any applicable software products and associated documentation provided through the website, or to use the products, services or functionality offered through the
website.

I hereby agree to the terms, conditions and agreements which govern my account and any of my joint account(s) at the Credit Union including but not limited to the Membership Application and Account Agreement, the Universal Account Agreement, the Remote Deposit Capture Agreement, and this Online Banking and Mobile Banking Agreement.

By designating my agreement, I acknowledge that I must have my own password to activate Online Banking, which is also the password for Mobile Banking.

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways:

1. We have standard overdraft practices that come with your account.

2. We also offer overdraft protection plans, such as a link to a savings account, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans.

This notice explains our standard overdraft practices.

What are the standard overdraft practices that come with my account?

We authorize and pay overdrafts for the following types of transactions:

Checks and other transactions made using your checking account number and automatic bill payments

We do not authorize and pay overdrafts for the following types of transactions
unless you ask us to (see below):
ATM transactions
Everyday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always
authorize and pay any type of transaction.

If we do not authorize and pay an overdraft, your transaction will be declined.

What fees will I be charged if Bear Paw Credit Union pays my overdraft?
Under our standard overdraft practices:
We will charge you a fee of up to $20 each time we pay an overdraft.

There is no limit on the total fees we can charge you for overdrawing your account.

Disclosure of Terms and Electronic Funds Disclosure and Bill Pay Disclosure :

Payments made via Bill Pay service may take up to seven (7) business days to reach a verified payee or vendor.

Please verify all information entered for your payees including addresses and reference numbers.

Bear Paw Credit Union is not liable in any way for damages you incur if:

You do not have sufficient funds in your account.

You incorrectly enter the reference number to be credited by the merchant.

You incorrectly schedule the payment.

Payments made via Bill Pay service may
take up to seven (7) business days to reach a verified payee or vendor.

Please verify all information entered for your
payees including addresses and reference numbers.

Bear Paw Credit Union is not liable in any way for damages you incur if:

You do not have sufficient funds in your account.

You incorrectly enter the reference number to be credited by the merchant.

You incorrectly schedule the payment.

If you authorize another person to use your password to gain access to your credit union account, you are authorizing any
transactions they conduct in that account.

Keeping your password confidential is your responsibility.

If you believe anyone has gained access to either your password or account through On-Line Banking without your permission, change your password immediately. Then call us at 406-265-9626 or 1-800-406-2642.

10/01/2017 - Credit Freeze:
     If you recently placed a security freeze on your credit account, please be aware of the following: Your loan application may be delayed a few additional days.

It is your responsibility to contact the credit bureau and request a “thaw” of your credit so we can pull your credit report related to this application.

The cost of lifting and reinstating the security freeze is your responsibility.

Credit bureaus are required to lift the freeze within 3 business days of your request to them.

Your security freeze can be reinstalled once we have pulled the necessary report to review with your loan application; please let us know if you need to be notified it was pulled Any co-borrowers or co-signers associated with your application will also need to lift security freezes before we can process your application If we cannot access your credit report, it may impact the processing of your loan application.

We use Equifax for credit reports. You may only need to contact them and not all three credit bureaus to temporarily thaw your credit. To temporarily lift your freeze for credit purposes please go to:
The integrity of your personal information is important to us. We encourage anyone who may have had their information compromised to keep a security freeze in place, but also want you to recognize that it does impact the loan process.

Let our lenders know if you have any questions.

07/25/2017 - NET-TELLER and iPay:
     Beginning Aug. 14, iPay Solutions will post a banner notice across our products alerting subscribers using incompatible browsers to switch to a compatible version. Compatible browsers/versions for our products are:Internet Explorer® version 11 (All other versions have been deprecated by Microsoft®.)MS Edge - all versions Firefox® version 31 and higher Safari® version 7 and higher for Mac Google Chrome™ version 42 and higher Other browsers not listed may still have functionality, but are not recommended and are compatible only in a limited manner.Incompatible browsers will not be able to access On Line Banking - iPay after September 20, 2017