Online Banking Agreement & Disclosures

Indicated below are the types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account. Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed. You should keep this notice for future reference.

Types of Transfers and Charges

• Transfer funds between checking and statement savings account(s)
• Make payments from checking or statement savings to most loan accounts with us
• Get information about the account balance of checking or statement savings account(s)
• Get details of transactions on checking or statement savings account(s)

Limitations on Frequency of Transfers

• Certain limitations apply to computer transfers in addition to the limitations on transfers elsewhere described. The following limitations will also apply:
• Transfers between your accounts at Houston Credit Builder received prior to 2 P.M. will be posted to the designated accounts on the current business day
• Transfers completed after 2:00 p.m. Monday-Friday, on weekends, or holidays, will not post to the account until the next business day

Business Day

A business day is Monday through Friday, excluding holidays. Our online Banking services are generally available twenty-four hours a day, seven days a week.

No Signature Requirement

When any payment or other online service generates items to be charged to your account, you agree that we may debit your designated account without requiring your signature on the item and without notice to you.

User ID and Password

• The User ID and password issued to you is for your security purposes. Your password is confidential and should not be disclosed to third parties. You are responsible for safekeeping your password.
• For security purposes, the system will automatically prompt you to change your password the first time you login. You may change your User ID and/ or password by clicking on the Options heading.
• The system will automatically prompt you to change your password every ninety days. You agree not to disclose or otherwise make your password available to anyone not authorized to sign on your accounts.

Joint Accounts

• A request for Online Banking services may access any account on which you are listed as an owner, joint owner, trustee or custodian. For joint accounts, one or more account holders may request Online Banking services and each will have their own User ID and Password.
• Regardless of whether one or more account holders of a joint account subscribe to the Online Banking services, each account holder agrees that any account holder has the authority to use the Online Banking services. All account holders agree to be jointly and severally liable under the terms of this Agreement and all other agreements which govern your account.