In this Online Services E-SIGN Act Consent and Disclosure the terms “you”, “your” and “yours” each mean the SkyOne Federal Credit Union Account Owner, authorized signer and/or authorized user. The terms “we”, “us”, “our”, “ours”, and “SkyOne” each refer to and mean SkyOne Federal Credit Union.

This Online Services E-SIGN Act Consent and Disclosure provides important information required by the Electronic Signatures In Global and National Commerce Act (E-SIGN Act) and applies to your consent to and your request for the electronic delivery of all Communications for and
relating to your membership and the accounts, products and services offered and/or accessible through SkyOne Federal Credit Union’s online services, including iSky Online Banking, the e-Statements, External Transfer, iSky P2P, iSky Bill Payment, and Remote Deposit Capture (Mobile Deposit) Service, as well as access to those online services via our Mobile Banking Application (“App”).

“Communication(s)” means: all agreements and disclosures and any and all amendments thereto, as permitted by law; product, service, and fee change in terms notices; annual and other periodic notices required by federal and/or state law or regulation; periodic account statements, credit card statements, tax statements, transaction history and information; and other notices, such as insufficient funds notices, billing notices, and alerts.

NOTE: Consenting to receive Communications under this Online Services E-SIGN Act Consent and Disclosure will not automatically enroll you in the e-Statement Service or result in the automatic electronic delivery of periodic account statements and/or credit card statements.

By agreeing to the agreements and disclosures, you affirmatively consent to conduct business electronically with SkyOne Federal Credit Union in connection with SkyOne online services and your requests for related accounts, products and services, and to receive this E-SIGN Act Consent and Disclosure and the All-in-One Disclosure electronically.

This Online Services E-SIGN Act Consent and Disclosure, the All-in-One Agreement, and all other online services agreements and disclosures can be printed and/or downloaded by you, and are available to you in paper hardcopy upon request. Please read these agreements and disclosures prior to continuing with your enrollment in Online Banking.

If after you register for Online Banking you enroll in e-Statements, External Transfers, iSky Bill Payment, Remote Deposit Capture (Mobile Deposit) Service, or any other service, your consent provided under this Online Services E-SIGN Act Consent and Disclosure will also apply to the electronic delivery of the related agreements and disclosures and all other Communications.

Applicability of Consent – Your electronic consent to conduct business electronically applies to SkyOne Federal Credit Union’s online services, your request for accounts, and all related products and services you request or utilize, and the electronic delivery of Communications.

Email Address and Keeping Your Information Current – In order to communicate with you regarding your online services, new account(s) and all related products and services you request or utilize, and to deliver to you or notify you of Communications, you must provide us with your valid e-mail address. It is your responsibility to promptly notify SkyOne Federal Credit Union of any changes to your email address. You can update your email address with us by either calling us at 800.421.7111, or updating your personal information email address via iSky Online Banking, or by submitting your change to us in writing via mail to SkyOne, P.O. Box 5003, Hawthorne, CA 90251-9801, or by visiting one or our branches.

Print and Download Agreements and Disclosures – Most information on and within our website and via online services is provided in either HTML and/or PDF format. For those agreements, disclosures, forms, notices, and other documents provided/available in PDF format, Adobe Acrobat Reader 6.0 or later versions is required – A free copy of Adobe Acrobat Reader may be obtained from the Adobe website at https://www.adobe.com.

To print or download agreements and disclosures and other documents you must have a printer connected to your computer or have sufficient hard-drive space (approximately 1 MB) on your computer to download, store and view the information.

To print, click on the document HTML or PDF link, select Print, select your Printer, and click OK to print to your printer where the document can be printed on your own paper, or select Save or Save As to save and retain an electronic copy on your computer.

Hardware and Software Requirements – You must have access to a computer with browser software such as Microsoft Internet Explorer; Adobe Acrobat Reader; Internet access, and an active/operating email address (at your cost). Your computer needs to support the following requirements:

1. An operating system, such as: Windows 98, NT, 2000, ME, XP, Vista, or Win 7; (for added security, Windows 2000 and up is recommended); or Macintosh OS 10.x

2. Access to the Internet and an Internet browser which supports HTML 4.0 and 128bit SSL
encryption and JavaScript, such as:

For PC using Windows 98, NT, 2000, ME, XP, Vista, or Win 7: Microsoft Internet Explorer 8.0 and higher, Firefox 3 and higher or Chrome 3.0 and higher

For Macintosh using OS 10.x: Safari 3.0 and higher. Firefox 3 and higher or Chrome 4.0 and higher

Other Internet browsers may be used, but are not supported.
By affirmatively consenting, you confirm that you have access to the necessary hardware and software.

All Agreements and Disclosures Are “In Writing” – This Online Services E-SIGN Act Consent and Disclosure and all agreements, disclosures and notices delivered electronically or otherwise made available to you are considered “in writing” and are available to you in a form you may keep by either printing or downloading the documents, or by requesting a paper copy from us.

Obtaining Paper Copies of Agreements and Disclosures – You can obtain a paper copy of this Online Services E-SIGN Act Consent and Disclosure and the above listed agreements and disclosures by printing it/them yourself. You can also contact us at 800-328-5328 to request a paper copy free of cost when sent by us to you through regular U.S. mail.

Termination – We reserve the right, in our sole discretion, to discontinue the provision of your electronic Communications, or to terminate or change the terms and conditions on which we provide electronic Communications. We will provide you with notice of any such termination or change as required by law.

Withdrawing Consent – You have the right to withdraw your electronic consent to conduct business electronically with us by telephoning us at 800-328-5328, by sending your instructions to us via U.S. mail to SkyOne Federal Credit Union, P.O. Box 5003, Hawthorne, CA 90251-9801, or by visiting one of our branches. If you withdraw your consent you may not be able to open additional accounts or request additional products and services online, or view or print/download this or the above listed agreements and disclosures through our website.

Governing Law – This Online Services E-SIGN Act Consent and Disclosure is made in California and shall be governed by the laws of the State of California, to the extent that California law is not inconsistent with controlling Federal Law. California’s “Choice of Rules” will not be applied if they would result in the application of non-California law.

These Terms of Use govern your access, consent, and use of your SkyOne Federal Credit Union credit and debit card(s) when using the Apple Pay application and any related features and services offered through SkyOne Federal Credit Union a.k.a. SkyOne. A Mobile Card is also knows as a virtual card which is stored on your wireless mobile phone or device.  Apple Pay, Apple Pay Service & Mobile Card or Mobile Service are proprietary application(s) offered, administered, and maintained by Apple and are registered products, services and applications administered by Apple Inc., and not by SkyOne Federal Credit Union.  “You” and “Your” refer to you, the member.  “We” “Our” and “Us” refers to SkyOne Federal Credit Union.(Terms).

1. Apple Pay & Mobile Card Service a.k.a. THE SERVICE or Apple Pay Service.

Apple Pay is available for the purpose of purchasing goods and services with a compatible wireless mobile phone or device with merchants who accept Apple Pay as a form of payment. Apple Pay enables you to create and store virtual representations of your eligible SkyOne Federal Credit Union Cards and add account information on your supported device creating a Mobile Card that will permit you to use your Mobile Card to authorize and make payments at merchant’s point of sale (POS) terminals or readers without your plastic SkyOne Federal Credit Union Card. Your Mobile Card may not be accepted at all places where your SkyOne Federal Credit Union Card is accepted. The purchase transactions with your SkyOne Federal Credit Union Card as a Mobile Card will still be governed by your SkyOne Federal Credit Union Card Agreement as noted in  SkyOne’s All-in-One Account Disclosure for Debit Cards, and as noted in SkyOne’s Visa Disclosure for Credit Cards. Apple’s Terms & Conditions for the Service describe your rights and obligations regarding the Service.  Apple’s Terms & Conditions for the Service can be accessed athttps://www.apple.com/apple-pay/.

2. Eligibility & Enrollment

Only SkyOne Federal Credit Union Cards that we defined within this agreement are eligible and can be added as a Mobile Card. If your SkyOne Federal Credit Union Card or underlying account is not in compliance with the SkyOne Federal Credit Union Card Agreement as noted in  SkyOne’s All-in-One Account Disclosure for Debit Cards, and as noted in SkyOne’s Visa Disclosure for Credit Cards, that SkyOne Federal Credit Union Card will not be eligible to enroll as a Mobile Card. You can add an eligible SkyOne Federal Credit Union Card as a Mobile Card by registering the Card through Apple Pay by following the authentication and enrollment requirements provided by SkyOne Federal Credit Union on its website.  To add your Card to Apple Pay, you must register your Card through Apple Pay. You may be required to take additional steps to authenticate yourself before your Card is added to Apple Pay, including by providing additional identifying information. By adding your Card to Apple Pay, a unique numerical identifier different from your Card number (“Token”) will be added to the secure element of your Eligible Mobile Device, for the purpose of making purchases and receiving refunds through Apple Pay. If your physical plastic Card is lost or stolen, but your Eligible Mobile Device is not lost or stolen, upon receipt of your new physical plastic Card, and updating the new Card Number to Apple Pay, Apple Pay will automatically assign your new physical plastic Card to your existing Token.

3. Card & Service Responsibility
You are solely responsible for maintaining the security of your Apple User ID and password. If you share these credentials with any other person, you expressly authorize them to access your personal information, your accounts and use your Mobile Card. SkyOne Federal Credit Union is the not the provider of the Apple Pay and Mobile Card service, and we are not responsible for providing the service to you. We are only responsible for supplying information securely to the Apple Pay and Mobile Card provider to allow use of your SkyOne Federal Credit Union Card as a Mobile Card. We are not responsible for any failure of the Apple Pay and Mobile Card service, or the inability to use your Mobile Card for any transaction. We are not responsible for the performance or non-performance of these service providers or any other third parties regarding any agreement you enter into with SkyOne Federal Credit Union to use the Mobile Card.

4. Limitation of Liability.

SkyOne Federal Credit Union is not responsible for the service. You expressive acknowledge and agree that use of the service is at you sole risk, and SkyOne Federal Credit union is not responsible for the risk as to satisfactory quality, performance, accuracy and effort. With regard to the service, SkyOne Federal Credit Union makes no representations or warranties of any kind, including, without limitation, merchantability or the implied warranty of fitness for the particular purpose and related warranties and representations. No oral or written information or advice given by SkyOne Federal Credit Union will create a warranty not expressly stated in this agreement. Should the service prove defective, SkyOne Federal Credit Union assumes no liability for the costs of all necessary servicing, repair or correction.

5. Information Sharing & Privacy.

By enrolling and using Apple Pay and creating a Mobile Card, you authorize SkyOne Federal Credit Union to collect information from Apple to verify your identity and to enable you to use a Mobile Card and the Apple Pay service. You agree that we may share your information with Apple and Mobile Card service providers, payment networks, and others in order to provide the services you have requested, to make information available to you about your Mobile Card transactions. SkyOne Federal Credit Union will provide your information in accordance with SkyOne Federal Credit Union’s Privacy Policies. Apple and its service providers are contractually obligated to keep this information confidential. Your privacy and the security of your information are set forth in our Privacy Policy applies to your use of your Mobile Card. We do not control the privacy and security of your information that may be held by these service providers such as Apple, which is governed by the privacy policy given to you by these providers.

6. Discontinuing the Service.

Upon your request or for our protection, we can block, restrict or suspend a SkyOne Federal Credit Union Card from use as a Mobile Card at any time. You may delete or remove a SkyOne Federal Credit Union Card as a Mobile Card through the Apple Pay service. You can terminate these Terms & Conditions at any time by removing all SkyOne Federal Credit Union Cards from the Mobile Card service. We can terminate these Terms & Conditions at any time. We can also change these Terms & Conditions, or add or delete any items in these Terms & Conditions, at any time. If SkyOne Federal Credit Union’s Terms & Conditions are either changed or terminated, as applicable, we will provide notice to you electronically, if required by law.

7. Contacting You Electronically.

By enrolling you consent to receive electronic communications and notices from us in connection with your SkyOne Federal Credit Union Card and the Mobile Card by email or on your device. You agree that we can contact you by email at any email address you provide to us in connection with your service enrollment or any SkyOne Federal Credit Union account.  You also agree that we can contact you on your device.

8. Intellectual Property

All intellectual property rights including all patents, trade secrets, copyrights, trademarks and moral rights (“Intellectual Property Rights”) in Apple Pay (including text, graphics, software, photographs and other images, videos, sound, trademarks and logos) are owned either by Apple, us, our licensors or third parties. Nothing in these Terms and Conditions gives you any rights in respect of any intellectual property owned by Apple, us, our licensors or third parties and you acknowledge that you do not acquire any ownership rights by adding your Card to, or using your Card in connection with, Apple Pay.

9. Consent.

By enrolling in the service, you are agreeing to receive this Consent electronically and agreeing and acknowledging that you have read and agree to be bound by this Consent and your acceptance will be considered binding as if you provided a manual signature. Your Consent also constitutes your Consent to Apple’s Terms and Conditions. If you do not agree to provide this Consent or otherwise do not want to use the Service, please do not proceed with enrollment.  An incomplete enrollment is considered non-Consent.

This E-Signature and Electronic Disclosures Agreement (“E-Sign Agreement”) applies to all communications, documents, disclosures and electronic signatures related to the products, services and accounts offered or accessible through the SkyOne Federal Credit Union online application process for all applicants, co-applicants and other individuals listed on any application or form including beneficiaries and authorized users, as applicable.

Agreement to Conduct Transactions by Electronic Means

You agree to conduct transactions offered through the SkyOne Federal Credit Union online application process by electronic means and acknowledge that all documents, disclosures, forms and other information related to such transactions will be provided to you through a web-based electronic interface or email. In addition, you authorize SkyOne Federal Credit Union to access credit reports (where applicable) and related information for all applicants in order to process this application. You further agree that all transactions completed through SkyOne Federal Credit Union online process will result in valid and legally binding agreements. You also agree that you have adequate access to a computer with sufficient internet connectivity to conduct these transactions online.

Agreement to Use Electronic Signatures

You specifically agree that any electronic signatures that you provide through the SkyOne Federal Credit Union online process are valid and enforceable as your legal signature. You acknowledge that these electronic signatures will legally bind you to the terms and conditions contained in the related documents just as if you had physically signed the same documents with a pen or commonly known as a “wet signature.”

Agreement to Receive Disclosures Electronically

You agree to receive all legal and regulatory disclosures and other communications associated with any of the applications or transactions available through the SkyOne Federal Credit Union online application process through electronic means including this web-based electronic interface and email.

Availability of Printed Copies

You may obtain printed copies of any of the agreements, disclosures or other related documents by signing into your account, downloading the documents and printing them from your computer or by calling member service and requesting printed copies.  Alternatively, you can save any of the agreements, disclosures or other related documents by signing into your account, downloading and saving them on your computer.

1. Program Description

SkyOne Federal Credit Union offers members the convenience of SMS/text alerting for many kinds of Digital Banking activities. Members can opt in to receive texts when someone logs in to their account, when transactions over a certain limit occur, to receive balance alerts, transfer alerts, and one-time passcodes.

2. Message Delivery and Frequencies

Messages will be delivered from SkyOne Alerts. For one-time passcode messages, you will receive one message per request. For Account Alerts, message frequency varies.

3. Opting Out

You can cancel SMS Alerts at any time by visiting the Alerts page in Digital Banking and changing your settings at an individual alert level. To stop all alert SMS messages from Digital Banking to a phone number, text STOP from the phone number you no longer wish to receive alerts at. Texting STOP will stop all SMS messages from Digital Banking to that phone. After you text STOP to us, we will send you an SMS message to confirm that you have been unsubscribed, you will no longer receive SMS messages from us to that number

4. Opting Back In

Once unsubscribed, if you decide to opt in again to receiving messages by SMS, visit the Alerts page in Digital Banking and change your settings at an individual alert level to use the text channel. Texting START will also opt you back in to the SMS program, but you will still need to update your individual alert settings to use the SMS channel.

5. Help and Support

If you are experiencing issues with the messaging program, you can reply with the keyword HELP to get more information, or you can call the Service Center directly at 800-421-7111.

6. Carrier Disclaimer

Carriers are not liable for delayed or undelivered messages.

7. Message and Data Rates

Message and data rates may apply for any messages sent to you from us and to us from you. The number of messages you receive will depend on the alerts you subscribe to and the frequency settings you choose. If you have any questions about your text or data plan, please contact your wireless provider.

8. Privacy

Personally identifiable information (PII) obtained from this short code will not be shared with third parties for their own marketing. For more information, please see our Privacy Policy.

Policy Compliance
SkyOne Federal Credit Union (hereafter referred to as SkyOne or the Credit Union) adheres to all applicable laws and regulations, conducting its business in accordance with applicable safety and soundness standards.

Account Disclosure
The All-in-One Account Disclosure provided at account opening outlines the duties, obligations, and rights of both the account holder and SkyOne regarding the payment/checking account. In the event of any conflict between this Discretionary Overdraft Privilege Disclosure and the All-in-One Account Disclosure, the latter shall prevail. A copy of the All-in-One Account Disclosure can be requested by calling 800.421.7111 or logging into online banking here.

What is Overdraft Privilege?
Overdraft Privilege is a discretionary service for eligible payment/checking accounts designed to help guard members against returned or declined items. It is not a line of credit. If an account is inadvertently overdrawn, SkyOne may pay the overdraft at its discretion, subject to the Overdraft Privilege limit and fee. SkyOne is not obligated to pay any item if the account lacks sufficient funds. Discretionary payments of an overdraft item (check, ACH, bill pay, recurring debit card transaction) do not obligate SkyOne to pay future overdrafts or provide prior notice of refusal.

Eligibility Requirements
To be eligible for Overdraft Privilege, the account holder must:

• Be at least 18 years old.
• Have an open payment/checking account for at least 30 days.
• Be a member in good standing.

A member is in good standing if they:

• Have no loans delinquent more than 30 days.
• Have no payment/checking accounts with a zero or negative balance for more than 30 days.
• Have no charged-off SkyOne loans or share accounts.
• Have no ChexSystems records.
• Have no bankruptcies, levies, or garnishments.
• Have no dormant (inactive) account status.

Accounts held by minors (under 18 years) are not eligible. The payment/checking account balance cannot remain negative for more than 30 calendar days.

SkyOne may pay overdrafts within the Overdraft Privilege limit at its discretion, but this is a courtesy, not a right of the member or obligation of the Credit Union. SkyOne can cease paying overdrafts at any time without prior notice, reason, or cause at its sole discretion.

Overdraft Privilege is a privilege that the Credit Union provides from time to time and which may be withdrawn or withheld by SkyOne at any time without prior notice, reason, or cause. Any payment made by us under Overdraft Privilege will be made on a case-by-case basis, in our sole and absolute discretion. Overdraft Privilege does not constitute an actual or implied agreement between the member and the Credit Union, nor does it constitute an actual or implied obligation of the Credit Union.

Overdraft Privilege Limits
Overdraft Privilege limits are determined at SkyOne’s sole discretion and may be influenced by factors such as direct deposit activity, including the amount and frequency of direct deposits into an account. All applicable fees and charges, including Non-Sufficient Funds (NSF) fees, count toward the total overdraft limit. These limits are subject to change and are reevaluated monthly. Overdraft Privilege can be taken away at any time without prior notice.

Payment Due
The total overdraft balance, including fees, is due upon demand. The account holder must immediately deposit sufficient funds to cover the overdraft and related fees. SkyOne will use any deposit to repay the overdraft and any associated fees. The overdrawn account must be brought to a positive balance within 30 days, or Overdraft Privilege will be removed from the account.

Order of Payment
Transactions may not be processed in the order in which they occurred, and the order in which transactions are received and processed may impact the total fees incurred.

Liability for Overdrawn Balances
The total discretionary Overdraft Privilege (negative) balance, including any and all fees and charges, inclusive of NSF/overdraft fees, is due and payable upon demand. The account holder is liable, jointly and severally, for all such amounts, as described in the All-in-One Account Disclosure. A $30 fee will be imposed for overdrafts created by checks, ACH, Bill Pay, and recurring debit card transactions.

Overdraft Privilege Fees
A $30 fee will be imposed for overdrafts created by recurring debit card transactions, checks, ACH, ATM withdrawals, non-recurring debit card transactions, in-person withdrawals, or other electronic means. The maximum number of Overdraft Privilege fees charged per day is three (3). No fee is charged if the transaction brings the payment/checking account balance negative by $10 or less.

ATM and Non-recurring Debit Card Transactions
SkyOne will not pay overdrafts for ATM withdrawals or non-recurring debit card transactions unless the account holder has opted in by providing consent to SkyOne and the Credit Union has given the member the required notice under Section 1005.17 (b) of Regulation E, confirming that the member has opted in to the payment of these overdraft transactions. To avoid overdrafts due to ATM withdrawals and non-recurring debit card transactions, SkyOne may place a hold on the account for any ATM withdrawals or non-recurring debit card transactions until they settle. ATM withdrawals and non-recurring debit card transactions usually settle within two business days after the transaction is authorized. The amount of the hold will be for the amount authorized, or as permitted under applicable payment network rules. Holds on authorized ATM withdrawals and non-recurring debit card transactions will be removed prior to settlement, where required by applicable payment network rules. To extend your overdraft coverage and opt in to ATM and non-recurring debit card transactions, complete this form.

Cancelling Overdraft Privilege
Overdraft Privilege can be canceled at any time by contacting SkyOne via chat by selecting the “Let’s chat!” bubble on our website, emailing us at MemberServices@SkyOne.org, or calling 800.421.7111. By opting out, checks, recurring debit card, and ACH transactions will be returned unpaid, and an NSF fee will apply if funds are not available.

Overdraft Privilege Coverage for ATM withdrawals and non-recurring debit card transactions can also be canceled by completing this form.

Alternative Options
SkyOne offers overdraft protection that may be less costly than the options presented above, such as linking your payment/checking account to a savings or line of credit. To understand all options, please review the All-in-One disclosure or contact us via chat by selecting the “Let’s chat!” bubble on our website, email us at MemberServices@SkyOne.org, or call 800.421.7111.

Please refer to the Schedule of Service Charges for fees pertaining to NSF returns, overdraft privilege, and overdraft transfers.