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Terms and Conditions

The following terms and conditions govern the manner in which NESC Federal Credit Union (Us, We, Our) will provide Virtual Branch (Online Banking) to the applicant/owner/joint owner (“I”, “me”, “my”’ “you”):

By agreeing to these terms you authorize NESC Federal Credit Union to utilize IntegraSys Virtual Branch to provide Online Banking to you on our behalf.

I am the owner/joint owner of the account(s) listed on my application form and I am 18 years of age. I hereby request that NESC Federal Credit Union issue me a Login ID and password to be used to access these accounts through the Internet Banking System. I understand that I will be able to access my account(s) to view balances, account history, transfer funds between accounts or my loans, and pay bills according to what type of access I have designated for my account(s). I also understand that NESC Federal Credit Union Reserves the right to revoke such access to my accounts without prior notification.

I understand that Online Banking is offered in a secure environment, as long as I am using a secure browser (Microsoft Internet Explorer 6.0, Netscape 6.1 or higher) in order to afford protection for account numbers, balances, bill payment information and other personal information which may be transmitted by or to me through the internet.

Use of Online Banking requires both Logon information and a password. During the registration process for Online Banking, you must choose a unique Logon. Each user ID and corresponding Password can only be used by one individual or entity. Anyone with knowledge of both a Member’s User I.D. and password can gain access to your Online Banking and the information that is available regarding your account(s). Accordingly, all passwords must be kept secret. By agreeing to the terms and conditions of this Online Banking Usage Agreement, you agree to solely responsible for the confidentiality and use of your Password. You further agree that NESC Federal Credit Union will not be responsible for monitoring transactions to determine if they were indeed made by the owner/joint owner/authorized user. I agree that I am responsible for the security of my Logon ID and Password and I agree to properly safeguard this information. As a condition of use, you must tell us AT ONCE if you believe your Password has been lost or stolen or that someone has accessed your account without your permission. We highly recommend your change your password immediately during non-business hours.

NESC Federal Credit Union only collects personal information to serve its legitimate business purposes. We use standard security technology to protect personal information. We are not responsible for any breach of security or for the actions of any third parties that may obtain any personal information. NESC FCU will not be responsible for any loss resulting from a cause over which it does not have any direct control, including, but not limited to, failure of electronic or mechanical equipment, or communication lines, telephone, or other interconnect problems, computer viruses, unauthorized access, theft, operator errors, severe weather, earthquakes, or natural disasters, strikes, or other labor problems, wars or government restrictions. Users of Online Banking may review and correct personal information about them maintained by NESC FCU by selecting the Personal Information section of the Online Banking site. Use of Online Banking is solely at your own risk and is subject to all applicable local, state, national, and international laws and regulations. Although we have tried to create a secure and reliable service, the confidentiality of any communication transmitted over the internet cannot be guaranteed. If you authorize the use of Online Banking via a computer owned by your employer, you exempt NESC Federal Credit Union from any liability should any information from your account be disclosed to an unauthorized party at your employment. Accordingly, NESC FCU and its affiliates are not responsible for the security of any information transmitted via the internet. Actual or attempted unauthorized use of Online Banking may result in criminal and/or civil prosecution. For your protection, NESC FCU reserves the right to view, monitor, and record activity on Online Banking without notice or permission from you. Any information obtained by monitoring, reviewing, or recording is subject to review by law enforcement organizations in connection with investigation or prosecution of possible criminal activity via Online Banking. NESC FCU will also comply with all court orders, involving requests for such information.

Under no circumstances will NESC FCU be liable if we are unable to complete any transfers initiated in a timely manner via Online Banking because of the existence of any one or more of the following circumstances:

  1. You do not receive Confirmation at the time you initiate a transfer.
  2. The designated Account does not have sufficient funds for the transfer.
  3. We have terminated your access to Bill Pay due to your credit risk.
  4. Your account has been frozen due to a federal or state levy.
  5. Your account has been frozen because of a delinquent loan.
  6. Your have provided incorrect information for the account(s) that you wish to make a transfer.
  7. If you, or anyone authorized by you, commits any fraud or violates any law or regulation.
  8. Circumstances beyond our control (including, but not limited to, fire, flood, or interference from an outside source) that prevent the proper execution of the transaction.
  9. We reserve the right to disapprove transfer transactions.

In no event shall NESC FCU be liable for any direct, indirect, special, incidental, consequential, or exemplary damages arising from access to this service. We are not responsible for any damages to your hardware or software from access to this serve or data transmitted through the access link or from unavailability of the service.

This service and related documentation are provided “as is” without any warranty of any kind, either expressed or implied, including, but not limited to, the implied warranties of merchantability and fitness for a particular purpose.

You may cancel Online Banking upon thirty (30) days prior notice to a Member Service Representative. You will be responsible for all payments and/or transfers you have requested prior to cancellation of Online Banking and all other charges, fees, and taxes incurred, if any.

You must cancel all outstanding transfer orders within 30 days notification period. We will not be liable for transfers not cancelled or made due to your actions related to Online Banking termination.

In case of errors or questions about your account on the Online Banking System telephone us or write us at the contact information provided below, as soon as possible, We must hear from you no later than sixty (60) days after which the error or problem occurred. (1) Tell us your name and account number. (2) Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe there is an error or why you need more information. (3) Tell us the dollar amount of the suspected error. We will investigate your complaint and will correct any error promptly. If we take more than ten (10) business days to do this, we will recredit your account for the amount you believe is in error, so that you will have the use of the money during the time it takes us to complete our investigation.

Member Service Contact Information
Member Service Representatives are available as follows:

Andover Office
Monday thru Friday 9:00 am-4:00 pm
Excluding holidays

Lawrence Office
Monday, Tuesday, Thursday and Friday: 8:30 am-4:00 pm
Wednesday: 8:30 am to 1:00 pm
Saturday: 8:30 am to 12:00 pm
Excluding holidays

Methuen Office
Monday thru Wednesday 8:00am-5:00pm
Thursday and Friday 8:30am-6:00pm
Saturday 9:00am-12:00pm
Excluding holidays

Mailing Address
NESC Federal Credit Union
248 Pleasant Street
Methuen, MA 01844


I have read and agree to the terms and conditions.