Electronic Services Agreement

Revised 9/7/2026

Topside FCU periodically updates its Electronic Services Agreement, and our most recent version is reflected below for your review and acceptance.  If you are a current user of online banking, acceptance of this agreement will not modify any of your current online banking configurations including e-statement enrollment.

ELECTRONIC SERVICES AGREEMENT
TOPSIDE FEDERAL CREDIT UNION 

Agreement. You specifically consent and agree that Topside Federal Credit Union ("the Credit Union") may provide all disclosures, agreements, contracts, periodic statements, receipts, notices, modifications, amendments, confirmations, and any other information required to be delivered in writing under applicable law electronically and that such electronic delivery shall be in lieu of written communication (hereinafter all such information is referred to as "electronic record(s)"). Your consent for electronic delivery applies to all required disclosures regarding all accounts – including current and future accounts – you have with the Credit Union. 

Your consent to electronic delivery includes, but is not limited to, the following electronic records:

• Membership Agreements and Account Opening Disclosures

• Periodic Statements (including both loan and share statements)

• Year-End Tax Information

• Change-in-Terms Notices affecting your account(s)

• Annual Notices; such as Electronic Funds Transfers, Billing Rights, and Privacy Notices

• Share Certificate Maturity Notices

• Any other legal and regulatory disclosures and communications that we are required to provide related to your account(s)

Paper Copies and Withdrawal of Consent. You have the right to receive a paper copy of any of these electronic records if applicable law specifically requires us to provide such documentation. A fee may apply to your request for a paper copy. You may withdraw your consent and revoke your agreement to receive records electronically. To request a paper copy or to withdraw your consent and agreement to receive electronic records call, write or e-mail the Credit Union as follows: 

Phone: Member Services at (540) 663-2181
Mail: TOPSIDE Federal Credit Union 
Attn: Member Services 
PO Box 519
Dahlgren, VA 22448 
E-mail: help@topsidefcu.org 

If your acceptance of this service is contingent on a specific relationship with the Credit Union, withdrawal of your consent may include termination of the applicable relationship. 

Updating Contact Information. You agree to immediately provide TOPSIDE Federal Credit Union with your updated contact information, should it change, including email address, mailing address and telephone number. If the Credit Union determines that an electronic delivery of any disclosure was undeliverable, we may, at our discretion, choose to mail that disclosure to you using U.S. mail. We may, at our option, treat undeliverable disclosures as withdrawal of your consent. 

Prompt Review of Electronic Records. The electronic records delivered to you will be dated the day such information is first made available to you. You must promptly review your account statements, tax forms, disclosures, notices, letters and other information and notify the Credit Union, in writing, of any errors or discrepancies you believe have occurred. Any applicable time periods within which you must notify the Credit Union of any errors, or applicable time periods within which you must respond to the Credit Union, will begin on the date that your account statements, tax forms, disclosures, notices, letters and other information is first made available to you regardless of when you receive or access such information.

Equipment and Software Requirements. To receive electronic records and use the electronic services of the Credit Union you need a device capable of accessing the internet using a web browser. To access your statement electronically you must install the latest version of Adobe's Acrobat Reader™. This is available for you to download at no cost on the Credit Union's web site. You are responsible for the set-up and maintenance of your device and internet connection. All system specifications required by the browser or operating system vendors must be satisfied.  Unless otherwise noted the following settings and plug-ins are required to properly access the electronic services:

• Cookies must be enabled

• Minimum Screen Resolution of 1024 x 768

• PDF Reader compatible

The following most current browser versions are supported for accessing the electronic services:

• Google Chrome (recommended)

• Microsoft Edge

• Mozilla Firefox

• Safari for Mac

By requesting any electronic funds transfers, internet banking, other electronic services or transactions, by submitting any application or agreement to us electronically, or by e-mailing the Credit Union, you represent that you have such equipment and software and that you can download, access, read, review, print and store the electronic records the Credit Union provides to you. 

Electronic Signature. You consent and agree that your use of a keypad, mouse or other device to select an item, button, icon or similar act/action while using any electronic service the Credit Union offers; or in accessing or making any transactions regarding any agreement, acknowledgement, consent terms, disclosures or conditions constitutes your signature, acceptance and agreement as if actually signed by you in writing. 

"E-Mail" Communications. You acknowledge and agree that the Internet is considered inherently insecure. Regular non-encrypted e-mail is not secure. Accordingly, you should exercise caution regarding e-mails and other electronic communications. Therefore, you agree that the Credit Union has no liability to you whatsoever for any loss, claim or damages arising or in any way related to our response(s) to any e-mail or other electronic communication that we in good faith believe you have submitted to us. The Credit Union has no duty to investigate the validity of or to verify any e-mail or other electronic communication; and may respond to an e-mail at either the address provided with the communication or the e-mail address in your Member Form. 

Although having no obligation to do so, the Credit Union reserves the right to require authentication of e-mails or electronic communications. The decision to require authentication is in the sole discretion of the Credit Union. The Credit Union will have no obligation, liability or responsibility to you or any other person or company if we do not act upon or follow any instruction to us if a communication cannot be authenticated to our satisfaction. 

Account Access. You may make deposits, withdrawals, transfers and other authorized transactions from your account(s) in any manner specifically permitted by us, subject to the limitations and restrictions set forth in this Agreement or as otherwise provided for by applicable law. 

Authorized User(s). You should exercise caution in providing authority, information, documentation or access devices to others. All withdrawals, transfers and transactions made by any person to whom you provide authority or the means to access your accounts or other services shall be deemed authorized by you, and the Credit Union will not have any responsibility or liability whatsoever for such withdrawals, transfers or other transactions. Further, you and the person authorized (as defined herein) shall be jointly and severally responsible to the Credit Union for all such access or use of your accounts and services with us. 

Access to Account Information. You agree that all owners and authorized users, may have access to all of the information you provide us, or which we gather and maintain regarding our relationship with you. This includes, but is not limited to information regarding transactions, account history, your loan relationships with us, and other information relating to or arising with regard to any of your accounts, loans or other services with us. You acknowledge and agree that any owner of a joint account or service, or any co-borrower may provide authority to others, who will have access to all such information as to all owners and/or co-borrowers. Further, if a single account card is used to establish multiple forms of membership (e.g., A single card is used to open a joint share account for A & B, and also a checking account for B only) we are authorized to send a single statement jointly to all parties, which may provide such information as to all accounts evidenced by or opened through the single account card. As well, this information may be viewed by all parties accessing said account through electronic means. 

Cookies. A "cookie" is a small file containing certain pieces of information that a web site creates when you visit the site. "Cookies" help track user traffic patterns and can store that information about you. You can set your web browser to tell you when a "cookie" is set or to prevent a "cookie" from being set. Some sites collect additional information in their "cookie" files by asking customers to voluntarily provide information such as when registering before entering a site. You can access our web site at any time without accepting a "cookie". However, the use of a "cookie" is required as a safety precaution for the use of the Internet banking session and your refusal of a cookie will deny you access to the Internet banking session. We use a cookie as an identifier, or an extra bit of security. When a member logs on, we assign a cookie, as a unique identifier to their session. At certain intervals, we send a request for that cookie to confirm that the individual online performing transactions is still the person who typed in the account number and PIN. We do not gather any data at any time about that individual from this cookie. If the cookie is not accepted at any point during the session, our system sees that as a potential security violation and therefore immediately logs that individual out. Therefore, it is important that cookies always be accepted during the Internet banking sessions. "Cookies" collected by us do not read data off your hard drive and do not read "cookie" files created by another web site. 

Links to Third Party Web Sites. The Credit Union web site may contain links to third party web sites. We provide these links as a service to you. When you link to a third party site you leave the Credit Union web site. The Credit Union wants you to be aware that we are not responsible for the privacy practices of any other web site. We encourage you to read the privacy policies of any web site you access, especially if individual identifying information is being collected. The Credit Union is not affiliated with or an agent of any third party site that you link to via our web site. 

Session Replay Technology: Session replay technology allows a website to monitor and capture how a visitor interacts with the website, including the visitor’s behavior (e.g., mouse clicks, page scrolls, etc.) and keyboard clicks, include what information the visitor provides in forms or online chats, text or video calls between the user and the website operator (agent). 

The Credit Union may monitor and or record electronic communications for quality assurance and training purposes.

The Credit Union may retain transcripts of chats, within its or a service provider’s platform or servers.

Credit Union members have the right to opt out of such recording and monitoring, but doing so removes the ability to communicate with the Credit Union via chat, text, video or participate in co-browsing. Members’ expressed consent is required to use such services.

Any non-public personal information submitted to the Credit Union via chat or text will be redacted to protect member privacy, after a Credit Union specified period.

Topper, Topside Federal Credit Union’s member service chatbot is powered by Artificial Intelligence (AI) and learns from user behavior and trends to provide answers and related helpful content. The service can provide member assistance 24/7. Topper is working hard to help you with account balances, transactions, and other credit union service-related questions. Responses from Topper are provided using pre-established information by Us, our provider, and artificial intelligence. There is no human interaction provided through this service and no direct responses are provided by a live person. We use a third-party provider for this service. The credit union and our provider have access to data submitted through Topper. By using this service, you are providing your consent to allow Us to access and share this information with our provider for us to offer this service, to update responses, and for quality monitoring purposes. You agree to allow Us to record conversations between you and Topper. You agree to not provide any sensitive or personal information in the chatbot portal.

Amendments:  TOPSIDE Federal Credit Union reserves the right to update or amend this Agreement at any time without prior notice.  The most recent edition of this Agreement will be available on our web site. 

To print a copy of this disclosure, please visit our website at 

https://www.topsidefcu.org/electronic-services-agreement.