The following information defines and describes the types of Electronic Funds Transfers which are available to members with SDFCU Online service. It also contains your rights and responsibilities concerning these transactions, including your rights under the Electronic Funds Transfers Act. Please read this document carefully. You may want to print it or save it for future reference.

  1. INTERNET ACCOUNT ACCESS. Our Internet address is You can use SDFCU Online account access to:
  2. a. Obtain balances and other account details on your share and loan accounts.

    b. Make transfers between your share accounts (regular share, share checking and Money Management accounts) and from your share account(s) to pay your consumer loans, MoneyLine personal line-of-credit, Home Equity line-of-credit, and Home Equity loans.

    c. Withdraw funds from your share account(s), by check, to be mailed to you at your address of record on the next available business day.

    d. Obtain loan advances from your MoneyLine and Home Equity lines-of-credit, by check, to be mailed to you at your address of record on the next available business day.

    e. Review up to three months transaction activity on your accounts, excluding MasterCard and mortgage loans.

    f. Download selected transactions to personal financial management software, including Quicken® and Money®.

    g. Make payments to third parties within the US through Bill Payer service (service charges apply). Bill Payer service is provided to SDFCU members by Metavante.

  3. Limitations on Transfers.

    a. Federal regulations limit pre-authorized transfers from your regular share account and Money Management account to no more than six per account per month. This includes transfers by phone, fax, wire and cable, overdraft transfers to checking, and Internet instruction.
  4. b. The functions and limitations of SDFCU Online Internet account access service may be updated, without notice, at the option of State Department FCU in order to provide improved service to the membership.

  5. Liability. By applying for Internet account access, you agree to accept responsibility for protecting the integrity of your Password, in order to prevent unauthorized transactions and/or account access. You also agree that SDFCU may revoke your Internet account access if unauthorized account access and/or transactions occur as the apparent result of your negligence in safeguarding your Password. Granting access to your account via the Internet to any other person (non-owner) will make you financially liable for all unauthorized access, losses or misuse of the account, until reported to SDFCU.
  6. Tell SDFCU at once, if you believe your account number, password, or any record thereof, has been lost or stolen, or if your account has been accessed without your authority. Telephoning is the best way of keeping your possible losses down, but you may also notify us via the Internet or by writing to the address below. You could lose all the money in your accounts, but if you tell us within two (2) business days of the loss, theft or unauthorized access, you can lose no more than $50 if someone accesses your account without your permission. If you do NOT tell us within two (2) business days after you learn of the unauthorized access, and we can prove we could have stopped someone from accessing your account without your permission if you had told us, you could lose as much as $500.

    If your statement shows any electronic fund transfer you did not make or authorize to be made, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we may extend the time periods.

  7. Address and Telephone Numbers. If you believe unauthorized access occurred on your account or your Password has been stolen, or that someone has transferred or may transfer money from your account by accessing your account without your permission, call SDFCU Monday through Friday between the hours of 7:00 a.m. and 5:30 p.m. Eastern Time at 800-296-8882 or 703-706-5000; send email to; or write to us at State Department FCU, Attn: Electronic Services/Projects, 1630 King Street, Alexandria, VA 22314.
  8. Business Days.For purposes of these disclosures, SDFCU's business days are Monday through Friday, excluding holidays.
  9. Documentation of Transfers. Your periodic statement will specifically identify each electronic transaction. You will receive a monthly account statement for each month in which you initiate electronic transactions. In any case, you will get a statement at least quarterly.
  10. Additionally, through SDFCU Online Internet account access service, you can view all of your transaction activity at any time.

  11. Charges.

  12. SDFCU Online: There is no charge for SDFCU Online Internet account access service.

    Bill Payer: If you enroll for Bill Payment service, the following charges will be deducted from your share checking account:

    a. For all members, this service is free.

    b. If you do not pay one or more bills within two calendar months, a monthly service fee of $5.00 will be charged.

    Funds Transfer:

    a. Transfer funds from another institution to SDFCU FREE

    b. Transfer funds from SDFCU to another institution - Standard (3 days) $3.00 per transfer

    c. Transfer funds from SDFCU to another institution - Next Day $6.00 per transfer
  13. Stop Payments.SDFCU Online transactions are "real time" and cannot be canceled except by performing corresponding reverse transactions. You may be able to stop payment on certain Bill Payer transactions by calling Metavante Customer Service at 800-823-7555. Any recurring payments initiated by you through Bill Payer service will continue until such time as you specifically cancel those payments online.
  14. Liability for Failure to Make Transfers. If SDFCU or Metavante fails to complete a transfer to or from your account on time in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will NOT be liable, for instance:
  15. a. If, through no fault of ours, you do not have enough money in your account to make the transfer.

    b. If your transfer will go over the credit limit of your line-of-credit loan(s).

    c. If the funds in your account are subject to legal process, such as garnishment or attachment, or if the account is subject to a pledge or security agreement.

    d. If circumstances beyond our control prevent the transfer, despite reasonable precautions we have taken.

    e. If you have reported an unauthorized use of your Password, reported it as stolen, or requested that we block the account, and we have as a result refused to honor the original Password.

  16. Information to Third Parties. We will disclose information to third parties about your account or the transactions you make:
  17. a. If we return checks drawn on your account for insufficient funds or if we are unable to complete an electronic transfer because of insufficient funds.

    b. Where it is necessary for completing transfers.

    c. In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant.

    d. In order to comply with government agency or court order.

    e. If you give us your written permission.

  18. In Case of Errors or Questions about your Electronic Transfers. If you think your statement is wrong or if you need more information about a transaction listed on the statement, immediately telephone us at 703-706-5000 or 800-296-8882, Monday through Friday, between the hours of 7:00 a.m. and 5:30 p.m. Eastern Time; send email to; or write us at 1630 King Street, Alexandria, VA 22314. We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared.
  19. a. Tell us your name and account number.

    b. Describe the error or the transaction you are unsure about, including the transaction confirmation number if possible, and explain as clearly as you can why you believe it is an error or why you need more information.

    c. Tell us the dollar amount of the suspected error.

    If you tell us verbally, we may require that you send us your complaint or question in writing within 10 business days. We will tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 calendar days to investigate your complaint or question. If we decide to do this, we will recredit your account within 10 business days for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not recredit your account.

    If we decide there was no error, we will send you a written explanation within three (3) business days after we finish our investigation. You may ask for copies of the documents we used in our investigation.

  20. Consent for Electronic Delivery of Account Statements . By not selecting to continue receiving paper statements you agree to receive your State Department Federal Credit Union Member Statement of Account information electronically and request that State Department Federal Credit Union discontinue mailing you paper statements for this account. if at any time you need to obtain a paper statement, SDFCU will mail a printed copy to you upon request for a minimal fee. You further authorize SDFCU to use your email address to communicate with you electronically as necessary. You understand SDFCU will not disclose to third parties, excluding credit union affiliates, information concerning your account with them. SDFCU also will not sell or provide any personal information about you to third parties for independent use.