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Online & Mobile Banking

Electronic Fund Transfers

Electronic Financial Services & Your Rights

If you use mobile payments, a debit, credit or prepaid card, pay- by-phone, pay-by-internet, direct deposit or gift cards then you are using electronic financial services. Several federal laws and regulations provide consumer financial protections for these types of services. The Electronic Fund Transfers Act, as implemented by Regulation E, specifies procedures that institutions must follow for investigating and resolving errors alleged by consumers for EFTs, such as an unauthorized ATM withdrawal. The Truth in Savings Act, as implemented by Regulation DD (You will be leaving NCUA.gov and accessing a non-NCUA website. We encourage you to read the NCUA's exit link policies. (opens new page).) , helps consumers comparison-shop for deposit accounts.