Online Banking Service Agreement

In the context of this Agreement, several important terms are used repeatedly. These terms include:

• “Services” refers to all functions, features, content, and transactions available through our Online Banking and Mobile App interfaces.
• “Access Device” is defined as any device—such as a smartphone, tablet, or personal computer—that can connect to the internet and is used to interact with our systems.
• “Business Day” refers to any weekday (Monday through Friday) from 9:00 AM to 5:00 PM Eastern Time, excluding federal holidays.
• “Authorized User” is a person you have provided account access to, either explicitly or by allowing them to use your credentials.

Electronic Signature Authorization

By enrolling in the Services, you are agreeing to conduct transactions and receive disclosures electronically. This includes consenting to the use of electronic records in lieu of paper documents, as well as providing your consent through actions such as checking boxes, typing your name, or selecting “I agree” on digital interfaces. Such actions constitute your legal signature and are recognized as valid under federal and state law.

Consent to Electronic Documents

You acknowledge and agree that all documents, disclosures, notices, terms and conditions, statements, and other communications provided to you electronically—including those related to this Agreement, updates to account features, changes to Service terms, or required regulatory disclosures—carry the same legal effect as if provided in paper form. These electronic documents may be delivered via email, secure messaging, or directly through the Online or Mobile Banking portals.

Updating Your Information

It is your responsibility to ensure that your contact information, including your email address and mobile number, remains current and accurate. We are not responsible for any failure to receive notices or documents if your contact details are outdated or if messages are blocked by spam filters or other delivery settings.

Withdrawing Consent to Elecronic Documents

Should you wish to withdraw your consent to receive communications electronically, you may do so by contacting Homebase Credit Union. However, doing so may restrict or eliminate your ability to use certain services, including Online and Mobile Banking. If you request to receive paper copies of electronic documents, we may charge you a fee in accordance with our current Fee Schedule. However, doing so may restrict or eliminate your ability to use certain services, including Online and Mobile Banking.

Homebase Credit Union utilizes technology platforms provided by external providers in order to deliver secure and reliable Services to our members. Our Online Banking and Mobile App platforms are developed and hosted by Mahalo Technologies, Inc. (“Mahalo”), which provides the secure infrastructure and responsive interfaces that support all major digital banking features. Mahalo is responsible for platform uptime, maintenance, and the incorporation of advanced security protocols to ensure safe transmission of sensitive data.

We also work closely with other specialized third-party providers to deliver specific services. M & A Ventures, LLC, doing business as REPAY, facilitates our online loan payment processing. REPAY enables you to make payments toward loans using debit cards or bank transfers, and they ensure full compliance with the Payment Card Industry Data Security Standards (PCI DSS). PayRailz serves as our primary provider for bill payment services and external account transfers. This includes the ability to set up recurring payments, manage payment dates, and interact with a broad network of merchants and financial institutions. SavvyMoney integrates with our systems to provide you with credit scores, credit monitoring, and personalized financial education tools based on your credit profile. In addition, Zelle® is available within our platform to facilitate secure person-to-person (P2P) payments, allowing members to send and receive money using email addresses or mobile phone numbers.

All third-party providers operate under contractual agreements that require them to adhere to robust confidentiality standards and data privacy protocols. These contracts mandate compliance with federal and state laws, including regulations pertaining to consumer privacy, information security, and electronic banking. Third-party providers are granted only the minimum access necessary to fulfill their service roles, and they are explicitly prohibited from using your personal information for marketing or any unauthorized purpose.

We perform regular due diligence and oversight reviews to assess provider performance and compliance with Homebase Credit Union's security policies. Additionally, please be aware that some Services or features offered through third-party providers, including but not limited to Savvy Money and Zelle® may require you to review and accept additional terms, agreements, or disclosures specific to that provider’s platform or technology. You are responsible for reviewing and understanding any third-party terms presented during your use of integrated services or tools within Online and Mobile Banking.

For more information about how we collect, use, and protect your personal information, please refer to our Privacy Policy and Website Policy.

The Services are offered to individuals who are residents of the United States and who can form legally binding contracts under applicable law. Without limiting the foregoing, the Services are not offered to minors unless the minor is using an Eligible Transaction Account in the name of the minor with a parent or guardian as a co-signor or guarantor. Access to the Services is limited to members, authorized users, or any individuals who enroll in, access, or use the Services on their own behalf or as a joint account holder.

The Services are available to individuals who reside in the United States and who are legally capable of entering into binding contracts under applicable law. Minors may only use the Services if they access an Eligible Transaction Account titled in their name and a parent or legal guardian is listed as a co-signer or guarantor. Access to the Services is limited to members, authorized users, or individuals who enroll in, access, or use the Services either on their own behalf or as a joint account holder.

During the enrollment process, we may request additional information to verify your identity, including employment details, previous banking relationships, or credit history. This is conducted in accordance with our legal obligations under federal regulations such as the USA PATRIOT Act and the Bank Secrecy Act.

Members with accounts subject to legal or regulatory restrictions, delinquency, closure, fraudulent activity, any circumstance we determine is necessary to protect the Credit Union from potential loss, or reasons otherwise set forth in the Credit Union’s bylaws may be excluded. We reserve the right to refuse or revoke access to the Services at our discretion or if required by applicable law.

To access Online and Mobile Banking, you are responsible for maintaining a device capable of connecting to the internet. This includes using current operating systems such as iOS 14 or Android 10 and above, as well as up-to-date versions of compatible web browsers like Chrome, Firefox, Safari, or Edge. Additionally, you must implement and regularly update antivirus software, firewalls, and other protective measures on your devices.

You acknowledge that using public or unsecured networks increases the risk of data interception or account compromise. Therefore, it is your duty to ensure secure and responsible use of your Access Devices when interacting with our Services. Homebase Credit Union disclaims responsibility for losses resulting from malware, system vulnerabilities, or the use of outdated technology on your part.

When registering for Online or Mobile Banking, you will create a unique User ID and password combination. You may also be required to complete multifactor authentication, such as entering a one-time code sent to your email or mobile phone. To protect your information, you must not share your credentials with others. You are responsible for all activity conducted under your account.

Our Mobile App allows you to enable biometric login features, such as Apple Touch ID and Face ID or Android Fingerprint and Face Unlock. These biometric systems rely on the device’s secure storage mechanisms and are not accessible by Homebase Credit Union. If you enable biometric access, anyone with a stored fingerprint or facial recognition on your device may be able to log into your account. We recommend limiting biometric registration to users you trust. You may deactivate biometric login at any time through the app’s security settings.

For more information about how biometric authentication works on your device, please refer to the official documentation provided by your device manufacturer:

• Apple Face ID & Touch ID Security Overview
• Android Biometric Security Overview

Please note that Homebase Credit Union does not collect, store, or transmit your biometric data. All biometric functionality is controlled and secured by your personal device's operating system.

The Online and Mobile Banking Services offered by Homebase Credit Union are designed to give you convenient, secure, and real-time access to your financial accounts. Through our Online Banking website and Mobile App, you can monitor balances and review transaction history for your deposit and loan accounts. These platforms allow you to conduct intra-institution transfers between your Homebase Credit Union accounts and to initiate external transfers to or from accounts at other financial institutions, subject to verification and compliance procedures.

You may use these Services to pay loans, manage scheduled payments, and open new accounts. The platforms also support features such as online loan applications, eStatement enrollment, electronic notice delivery, and account alert configurations. In addition to transactional functionality, the Services are integrated with credit score monitoring through SavvyMoney and person-to-person (P2P) transfer services via Zelle®, allowing you to request or send funds directly to others with eligible U.S. bank accounts.

Online and Mobile Banking Services must be used in accordance with all applicable laws and regulations. You are strictly prohibited from using the Services for any unlawful, abusive, or unauthorized purpose. This includes, but is not limited to, using the Services to commit fraud, launder money, fund illegal activities, access or transmit inappropriate or unlawful content, or circumvent security measures. Inappropriate or unauthorized use may result in the immediate termination of your access to the Services and could lead to civil or criminal liability under applicable laws.

Homebase Credit Union prohibits the use of Online and Mobile Banking for the following activities:

• Transmitting or attempting to transmit false or misleading information
• Initiating or receiving funds in violation of any sanctions program or anti-money laundering rule
• Sharing login credentials with any unauthorized party or allowing unauthorized access to your account
• Attempting to gain unauthorized access to the accounts of other users or the credit union's systems
• Submitting fraudulent or altered financial instruments, including check images via Remote Check Deposit
• Using the Services to fund gambling, pornography, weapons trafficking, or other prohibited transactions

The Credit Union reserves the right to monitor activity and suspend or close user access without notice if we determine that a user has engaged in restricted conduct or violated any term of this Agreement. This includes accounts exhibiting patterns that suggest abuse or potential harm to the institution or other members.

Members are responsible for ensuring that all information they provide is accurate and truthful. Misrepresentation of your identity or intent, misuse of system resources, or interference with the security or accessibility of Services will result in corrective actions, including reporting to law enforcement when appropriate.

Violations of these use restrictions may result in the forfeiture of privileges, monetary penalties, and permanent revocation of access to Online and Mobile Banking Services.

The Remote Check Deposit Service (“RCD Service”) allows eligible Homebase Credit Union Account Holders to deposit paper checks into designated accounts using the Mobile App. This functionality enables you to electronically capture and transmit check images using a compatible smartphone or tablet device. Before using the RCD Service, you must be approved by Homebase Credit Union based on account standing, activity, and compliance with eligibility criteria.

Eligible Accounts and Qualifications

Only certain account types are eligible to receive remote deposits. Accounts subject to legal restrictions, delinquency, closure, fraudulent activity, or reasons otherwise set forth in the Credit Union’s bylaws may be excluded. Business, trust, custodial, or organizational accounts may be ineligible unless otherwise permitted in writing.

We reserve the right to suspend or terminate your access to the Remote Check Deposit (RCD) Service at any time for reasons including misuse, abuse, legal or regulatory restrictions, account delinquency, suspected fraud, account closure, or any other circumstance we determine is necessary to protect the Credit Union from potential loss or as otherwise permitted by law.

Procedures, Timing, and Limits

Check images transmitted to us must be clearly legible and must comply with all standards for image quality established by the clearing house or any regulatory agency. Checks must be endorsed legibly with your signature and the restrictive phrase: “For e-Deposit Only at Homebase CU.” Endorsements that are missing, incomplete, or illegible may result in rejection.

If you receive a deposit approval notification by 3:00 PM Eastern Time on a Business Day:

• up to $275 of the funds will be available the next Business Day, with only one (1) $275 credit per day
• Deposits over $275 will be available in two (2) or more Business Days

Deposits made after 3:00 PM Eastern Time or on weekends and holidays will be processed on the following Business Day. The daily deposit limit is $5,000 across all eligible accounts per member, subject to change at the discretion of Homebase Credit Union.

You should retain physical checks for at least five (5) Business Days after receiving confirmation of deposit acceptance. You must mark the check as “VOID” and securely destroy it after this period to prevent representment. Any duplicate deposit attempts will result in immediate rejection and may lead to revocation of RCD Service privileges.

Receipt of Items

We are not liable for items we do not receive or for images that are not transmitted completely. An image is considered received when you receive an acknowledgement that the deposit has been accepted. However, such acknowledgement does not mean that the transmission was without error. Once an item is reviewed and approved, you will see it in your account history.

Provisional Credit and Returns

Homebase Credit Union grants provisional credit for remote deposits upon initial review. This credit is subject to final verification and collection of the item. If a deposited item is returned unpaid for any reason, the provisional credit will be reversed and the amount debited from your account. You may be assessed a returned item fee as listed in our current Fee Schedule. Funds availability for mobile deposits follows Regulation CC and may be delayed if the check is suspected to be uncollectible, altered, or otherwise suspicious.

The following items are considered ineligible for Remote Check Deposit:

• Checks payable to any person or entity other than the account holder
• Third-party checks (checks endorsed over to you by someone else)
• Altered, incomplete, or counterfeit checks
• Checks drawn on a foreign bank or payable in foreign currency
• Postdated or stale-dated checks (more than six months old)
• Starter checks or non-personalized checks
• Money orders, traveler’s checks, or gift checks
• Checks drawn on your own Homebase Credit Union account
• Checks previously deposited or submitted through another institution

We reserve the right to reject any deposit at our sole discretion and without prior notice.

Agreement to Terms and Amendments

This Remote Check Deposit Service section is part of the Online and Mobile Banking Agreement and should also be read in conjunction with the Electronic Funds Transfer Agreement and Disclosure, which governs certain types of transactions processed through the Service. We may revise or amend these Terms at any time without prior direct notice, unless otherwise required by law. Your continued use of the Remote Check Deposit Service following any such changes will constitute your acceptance of the updated Terms.

This section provides comprehensive terms, conditions, and operational details for the use of Homebase Federal Credit Union’s Bill Pay and External Transfer Services (“the Service”).

Definitions

• “Payee”: The person or organization you designate to receive a payment.
• “Payment Instruction”: The information you provide (e.g., Payee name, account number, amount, and delivery date) to schedule a payment.
• “Payment Account”: The checking account you select to fund bill payments.
• “Business Day”: Monday through Friday, 9:00 AM to 5:00 PM Eastern Time (ET), excluding federal holidays.
• “eBill”: An electronic version of a billing statement you can receive and pay through the Bill Pay platform.
• “Subscriber”, “you”, and “your”: The member, authorized user, or any individual who enrolls in, accesses, or uses the Service on their own behalf or as a joint account holder.

Eligibility

The Service is offered only to individual residents of the United States who can form legally binding contracts under applicable law. Without limiting the foregoing, the Service is not offered to minors unless the minor is using an Eligible Transaction Account in the name of the minor with a parent or guardian as a co-signor or guarantor. By using the Service, you represent that you meet these requirements and that you agree to be bound by this Agreement.

Payment Scheduling

You may not select a delivery date earlier than the earliest available date shown for each Payee. If your bill’s due date falls on a non-Business Day (e.g., weekend or holiday), you are required to select a delivery date that ensures the payment arrives before the actual due date. The Service debits your account at 2:00 PM Eastern Time (ET) on the scheduled “Send On” date. Payments typically arrive within 1 to 5 Business Days depending on the Payee’s processing capabilities.

We are not responsible for penalties incurred due to:

• Payments scheduled too close to the due date
• Incorrect information you provide
• Postal delays or non-electronic delivery failures

A reimbursement of up to $50 may be provided if a late fee is caused by processor error, and you followed all usage instructions.

Payment Authorization

By entering a Payment Instruction, you authorize Homebase Credit Union and its payment provider to debit your account and deliver funds to the Payee. If a payment is returned undelivered, the funds will be credited back to your account. You also authorize adjustments for returned or duplicate payments and corrections.

Payment Methods

The Service may remit payments as electronic transfers, printed checks, or other formats depending on the Payee. Checks are treated like any paper check and may take longer to process.

Payment Cancellation or Modification

You may cancel or modify a scheduled bill payment or funds transfer—provided it has not been processed—up until 2:00 PM Eastern Time (ET) on the same Business Day it is scheduled. If a stop payment request is submitted after the 5th Business Day from the scheduled payment date, a 2-Business Day verification period will follow to confirm the stop payment has occurred. Once verified, funds will be credited back to your account within 3 to 6 Business Days.

Limitations of Liability

We are not liable if we are unable to complete a payment or transfer on time due to any of the following circumstances:

1. You did not receive or record confirmation at the time of initiating the payment or transfer.
2. The designated account lacks sufficient available funds or has been closed.
3. We have determined you are a credit risk and have chosen to complete your payments or transfers using paper checks instead of electronic methods or terminate your access to the Services.
4. The Services, your device, your internet connection, or any supporting software is malfunctioning, and you were aware of the issue before initiating the transaction.
5. You provided incorrect or incomplete information for the intended Payee or destination account.
6. The Payee mishandled or delayed processing the payment after receipt.
7. Unforeseen events beyond our control occurred (e.g., natural disasters, system failures, postal delays).

External Transfer Dollar Limits

There are limits on the amount of money you can send or receive through our Service. Your limits may be adjusted from time to time at our sole discretion. Transaction limits are displayed in Online Banking. We also reserve the right to select the method in which to remit funds on your behalf through the Service, and in the event that your Eligible Transaction Account is closed or otherwise unavailable to use the method to return funds to you. These payment methods may include, but may not be limited to, an electronic or paper check or draft payment.

Statement Availability

You will receive a monthly account statement unless there were no transactions during that period. At a minimum, statements are issued quarterly for all accounts.

Fee Schedule      

• External Transfers:       No charge
• Bill Payment Service: No charge
• Stop Payment:             $30.00 per request (Submit in writing. Fee deducted from your checking account.)
• Research Requests:    $20.00 per hour; minimum 1 hour (Waived if Credit Union or Bill Pay processor is in error.)

Prohibited Payments

The Service must not be used for:

• Payments to individuals/entities in embargoed or prohibited countries
• Court-ordered payments (e.g., alimony, child support) unless permitted
• Payments to gambling sites, adult content services, or entities engaged in fraud, violence, or discriminatory activities
• Payments for illegal substances, weapons, or money-laundering
• Pyramid or Ponzi schemes, or debt settlement companies

Violation of this policy may result in service suspension and reporting to authorities.

Exception Payments

Tax payments and court ordered payments may be scheduled through the Bill Payment Service, however such payments are discouraged and must be scheduled at your own risk. We are not liable for any claims or damage resulting from your scheduling of these types of payments. The Bill Payment Service has no obligation to research or resolve any claim resulting from an exception payment. All research and resolution for any misapplied, mis-posted, or misdirected payments will be your sole responsibility.

Returned Payments

Payments may be returned if the Payee account is invalid, the Payee has moved, or the balance is already paid. Returned items will either be voided or credited back to your Payment Account. You may receive notification and are responsible for re-initiating payment.

Unauthorized Transactions

If you tell us within two (2) Business Days after you discover your password or other means to access your account has been lost or stolen, you can lose no more than $50.00 if someone uses your password or other means to access your account without your permission. If you do not tell us within two (2) Business Days after you learn of such loss or theft, and we can prove that we could have prevented the unauthorized use of your password or other means to access your account if you had told us, you could lose as much as $500.00. If your statement shows transfers or payments that you did not make, TELL US AT ONCE. If you do not tell us within sixty (60) days after the statement was mailed to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a hospital stay) prevented you from telling us, we may extend the period.

Account and Payment Information

It is your sole responsibility to ensure that the contact information in your user profile is current and accurate. This includes, but is not limited to, name, physical address, phone numbers and email address. Additionally, we are not responsible for any payment processing errors or fees incurred if you do not provide accurate eligible transaction account information, payment Instructions, or contact information.

Terminations and Disputes

Homebase Credit Union may suspend or cancel your Bill Pay access at any time. You may cancel the service by written notice. All disputes are governed by this agreement, and Homebase Credit Union is not bound by verbal promises from employees or third-party agents.

Warranty Disclaimer

The Bill Pay Service is provided “as-is” without any warranty of any kind. Homebase Credit Union is not liable for lost profits or indirect damages resulting from system delays, errors, or equipment issues.

Agreement to Terms and Amendments

This Bill Pay and External Transfer Services section is part of the Online and Mobile Banking Agreement and should also be read in conjunction with the Electronic Funds Transfer Agreement and Disclosure, which governs certain types of transactions processed through the Service. We may revise or amend these Terms at any time without prior direct notice, unless otherwise required by law. Your continued use of the Bill Pay and External Transfer Services following any such changes will constitute your acceptance of the updated Terms.

Purpose

Homebase Federal Credit Union (“Homebase Credit Union”) partners with M & A Ventures, LLC d/b/a REPAY (“REPAY”) to offer users the ability to make loan and account payments using an external financial institution account or debit card. This online payment gateway enables secure, flexible transactions that are governed by these Terms and Conditions in conjunction with the Online and Mobile Banking Agreement. Use of the REPAY service constitutes agreement to these terms. If you do not accept them, discontinue use immediately.

Privacy Policy

We encourage all users to review REPAY’s privacy and security practices available at https://repay.com/privacy-policy/. These policies describe how REPAY collects, uses, shares, and secures your personal and financial data.

Fees

A convenience fee may apply to payments processed through REPAY, which will be displayed before completing your transaction. These fees are disclosed in Homebase Credit Union’s Fee Schedule and are clearly included in the “Total Payment” field. Fees vary based on payment type (ACH vs. debit card) and may be subject to change. You are responsible for confirming the fee amount before authorizing any transaction. Fees are nonrefundable, even in cases where a payment is reversed or returned.

Use Limitations

REPAY may enforce per-transaction, daily, or monthly limits, which may vary by user, account type, or payment method. These thresholds may be adjusted at any time at the sole discretion of REPAY or Homebase Credit Union.

Authorization

By submitting a payment, you confirm you are an authorized user of the external account being debited. You authorize REPAY and Homebase Credit Union to debit the specified amount (plus applicable fees) and apply the funds toward the designated loan or account. Payments may be subject to verification and require approval by your financial institution. You are responsible for maintaining sufficient funds and ensuring the payment details are correct.

Failure to Process

We are not liable for failed payments resulting from:

• Insufficient funds in your source account
• Expired or invalid account or card information
• Incorrect account credentials or incomplete entries
• Technical failures you were aware of prior to submission
• External system errors or delays (e.g., internet outages, processor malfunctions)
• Natural disasters, system disruptions, or other events outside our control

If we cause a processing error, we will refund any improperly debited amount or redirect the funds as instructed. Payments that cannot be processed remain your obligation and may result in additional fees from the Credit Union or missed due dates.

Stored Pay Accounts

The stored payment feature allows you to save external account details for future use. If you elect to use a stored pay account, you authorize the addition of source accounts to your profile when you add each account. It is your responsibility to ensure this information remains current and accurate. Any updates to account numbers or debit card details must be made promptly to prevent processing errors.

Recurring and Scheduled Payments

You may enable recurring or scheduled payments through REPAY. It is your duty to verify that the payment dates, amounts, and account information are accurate. We are not responsible for late payments, declined transactions, or service interruptions caused by user error or outdated payment profiles.

Verification and Security

REPAY may verify your source account information with your financial institution. All access credentials must be kept confidential. You are responsible for securing your login details and ensuring they are not shared with unauthorized individuals. Transactions made using your credentials, whether by you or by an authorized user, are your responsibility.

Changes to Terms

Homebase Credit Union may revise these Terms and Conditions at any time. Changes will be communicated via website posting or other electronic means. Continued use of the service after notification of changes indicates acceptance of the updated terms.

Dispute Resolution

If you encounter issues or have concerns related to REPAY transactions, please contact:

Homebase Federal Credit Union
4495 Crossings Boulevard
Prince George, VA 23875
Phone: (804) 452-0736
Secure Message: Log into your Online Banking account to send a secure message.

Disclaimer of Warranties and Liability

REPAY services are provided “as is” and “as available.” Neither Homebase Credit Union nor REPAY makes any guarantees about the availability, accuracy, or functionality of the service. We disclaim all warranties, express or implied, including merchantability and fitness for a particular purpose. Homebase Credit Union and REPAY (as well as their officers, directors, employees, affiliates and owners) will not be liable for any damages of any kind arising from damages arising from service disruptions, unauthorized use, or payment failures caused by your financial institution or third-party networks. You are solely responsible for verifying your payment details before submission.

Intellectual Property

All REPAY software, technology, and trademarks are the exclusive property of REPAY. Unauthorized use, duplication, reverse engineering, or distribution of the REPAY platform or associated intellectual property is strictly prohibited.

Terms of Agreement

These Terms are in addition to any other account, loan, or service agreements you have with Homebase Credit Union. Your use of REPAY does not alter or void those agreements. We may make future revisions or amendments to these Terms without prior direct notice. Continued use of the REPAY External Payments Service constitutes acceptance of these Terms.

If you detect an error or suspect unauthorized access to your account, you must notify Homebase Credit Union IMMEDIATELY. The sooner you report the issue, the better protected you are under federal law. If you notify us within two (2) Business Days after your discover the loss or theft of your credentials, you can lose no more than $50 if someone uses your credentials or other means to access your account without your permission. If you do not tell us within two (2) Business Days after you learn of such loss or theft, and we can prove that we could have prevented the unauthorized use of your credentials or other means to access your account if you had told us, you could lose as much as $500.00.

If your statement shows transfers that you did not make, TELL US AT ONCE. If you do not tell us within sixty (60) days after the statement was mailed to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a hospital stay) prevented you from telling us, we may extend the period.

Reports can be made by calling us, visiting a branch, or using the secure messaging feature within Online Banking. (Refer to the Contacting Homebase Federal Credit Union section within this Agreement for contact information.) You may be required to complete a written report or affidavit to support our investigation. Once reported, we will investigate the matter and inform you of the outcome and any provisional credit within ten Business Days, or within 20 Business Days if your account is new.

This Agreement is governed by the bylaws of Homebase Federal Credit Union, applicable federal laws and regulations (including the Electronic Fund Transfer Act), local clearinghouse and payment system rules, the laws and regulations of the Commonwealth of Virginia, and general principles of contract law. These legal frameworks are subject to amendment from time to time.

Disputes arising from or related to your use of Online and Mobile Banking Services may be subject to resolution through arbitration. For disputes involving $10,000 or less, either party may elect to resolve the matter through binding arbitration administered by the American Arbitration Association (AAA). Arbitration will be conducted virtually or through written submissions, unless otherwise mutually agreed.

By using the Services, you agree to waive your right to participate in class actions, representative actions, or jury trials related to any dispute. For disputes exceeding the arbitration threshold, legal proceedings may be brought in the courts of Prince George County, Virginia, or another venue as permitted by applicable law.

To the extent allowed by law, you agree that any legal action concerning this Agreement will be governed by the laws of Virginia and federal law, and adjudicated in the jurisdiction where the Credit Union is located.

For additional provisions regarding dispute resolution, including a full Arbitration and Waiver of Class Action clause, please refer to your Membership and Account Agreement.

You agree to indemnify and hold harmless Homebase Credit Union, its affiliates, directors, officers, employees, and third-party service providers from and against any and all losses, claims, damages, or liabilities arising out of your use of the Services in violation of this Agreement or applicable laws. This includes, but is not limited to, claims resulting from fraudulent deposits, misuse of the Services, or failure to maintain the security of your login credentials or Access Devices.

Homebase Credit Union shall not be liable for any indirect, incidental, special, or consequential damages resulting from the use or inability to use the Services. This includes delays, service interruptions, or data inaccuracies caused by third-party providers, telecommunications failures, or your own equipment. Our total liability to you shall not exceed the amount of fees you have paid to us for use of the Services during the six-month period immediately preceding the event giving rise to the claim.

You are responsible for any losses, costs, or expenses we incur as a result of your failure to comply with this Agreement. You authorize us to deduct such amounts from your account without prior notice. If we initiate legal action to collect amounts owed under this Agreement or to enforce its terms, you agree—subject to applicable law—to reimburse us for all related costs, including attorney’s fees (which may include, but are not limited to, fees equal to 33.3% of the amount due), court costs, appellate fees, bankruptcy-related costs, and post-judgment collection expenses.

If a court holds any portion of this Agreement to be invalid or unenforceable, the remainder of this Agreement shall not be invalid or unenforceable and will continue in full force and effect. The captions of Sections in this Agreement are for convenience only and shall not control or affect the meaning or construction of any of the provisions of this Agreement.

Homebase Credit Union reserves the right to terminate, suspend, or restrict your access to any part of the Services at any time, with or without notice, for reasons including suspected fraud, inactivity, or security concerns. You may terminate your use of the Services at any time by contacting us in writing or through secure messaging. Termination will not affect your liability for transactions conducted prior to our receipt of your request.

We may amend this Agreement at our discretion and will provide notice through digital channels, such as posting updated terms on our website, sending secure messages, or displaying notices within the Services. Continued use of the Services after the effective date of any changes constitutes your acceptance of those changes.

All trademarks, service marks, logos, graphics, and content related to the Service or displayed on the Site are the exclusive property of Homebase Federal Credit Union or its service providers. You may not copy, use, or display any of these materials without our prior written consent. Unauthorized use that implies endorsement, is misleading, or is disparaging is strictly prohibited.

If you have questions or need assistance with the Services, you may contact us as follows:

Write Us:                   Homebase Federal Credit Union
                                     4495 Crossings Boulevard
                                     Prince George, VA 23875
Call Us:                       (804) 452-0736
Visit a Branch:          www.homebasecu.org/locations
Visit Our Website:   www.homebasecu.org
Secure Message:     Log into your Online Banking account to send a secure message.
Email Us:                   [email protected]

Important Notice: The provided email address is for general inquiries only. Do not include sensitive personal information such as your Social Security Number, member number, account numbers, or Online Banking credentials in any email communications. For secure online communications, please send message within your Online Banking account.

We are available during normal Business Hours and strive to provide timely responses to all inquiries. Members who need paper copies of this Agreement or any related disclosures may submit a request via mail or secure digital message.

This Online and Mobile Banking Agreement is comprehensive and legally binding. Please review it carefully and contact us with any questions you may have regarding your rights and responsibilities under this Agreement.