Understanding Your Rights and Responsibilities

Our Agreement with You

Welcome to Ft. Randall Federal Credit Union. By accessing and using our website, mobile app, or any of our services, you agree to the following Terms and Conditions. These terms are designed to protect both you and FRFCU while providing a safe, reliable, and secure banking experience.

Please read this page carefully. Your use of our digital platforms and services indicates your acceptance of these terms.

Use of Our Services

You agree to use our services for lawful purposes only and in accordance with all applicable laws and regulations. You are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account credentials.

Unauthorized use of our website or mobile app—including attempts to access restricted areas, disrupt service, or compromise security—is strictly prohibited.

Electronic Communications

When you use our digital services, you consent to receive communications electronically. This includes account notifications, disclosures, and other information related to your account or our services. You can opt to receive paper copies upon request.

Loan Agreements and Payments

Any loans or credit extended to you by FRFCU are governed by separate agreements outlining payment terms, interest rates, and fees. It is your responsibility to understand and comply with these loan agreements. Failure to meet payment obligations may result in additional fees, negative credit reporting, or other actions permitted by law.

Privacy and Data Security

Protecting your personal information is a priority. Please review our Privacy Policy to understand how we collect, use, and safeguard your data. By using our services, you acknowledge and accept the terms outlined in our privacy policies.

Limitation of Liability

While we strive to provide reliable services, FRFCU is not liable for losses or damages resulting from circumstances beyond our control, such as system outages, unauthorized access due to your negligence, or third-party errors. We encourage members to follow security best practices and report suspicious activity immediately.

Amendments and Updates

These Terms and Conditions may be updated from time to time to reflect changes in regulations or services. We will notify you of significant changes through your preferred communication method. Continued use of our services after such updates constitutes your acceptance of the revised terms.