Please read these Terms and Conditions carefully. Any use of this Progressions Credit Union (“Progressions”) Site constitutes your agreement to each provision of these Terms and Conditions, including but not limited to the credit union’s Privacy Disclosure. If you do not agree, please exit the Site at this time.
License Grant and Use Restrictions; Your Indemnification.
This Site is intended to provide members (“you”) of Progressions easy access to information about the product and services of Progressions. We grant you a nonexclusive, revocable license to copy or print an unaltered permanent copy of information on the Site for your personal and non-commercial use. You may not otherwise copy, modify, publicly distribute or display, perform, publish, license, create derivative works from, transfer or sell anything obtained from this Site.
You agree that you will not alter any Site information and will not use (or allow others to use) the Site or any information obtained from it for any wrongful, unauthorized or unlawful purpose and agree to indemnify and hold us and our affiliates harmless from and against any loss, damage or expense (including attorneys fees) incurred by them because of any such use.
Social Media Guidelines
Progressions User-Generated Content
Standards and Expectations
Welcome to Progressions Credit Union’s (PCU) Facebook page. We are excited to provide you with
another communication channel to share your thoughts with us about anything regarding your
experiences with Progressions Credit Union. We invite you to interact with us by posting links, pictures,
asking questions, or just dropping by and saying Hi! We do ask that all fans do their part to help us
keep our page family-friendly.
Purpose of Progressions Facebook Page
The Progressions Credit Union Facebook page is to be used as a discussion forum for the credit union
and its members. If abusive or inflammatory contents are posted to our page, we will not hesitate to
remove such content and block the offending users so as to allow constructive and beneficial
Progressions Credit Union is a family-friendly institution and so is our Facebook page. We ask that you
keep any and all images, posts, or links posted to be clean and credit union related. If we deem any
post to be sexually charged, predatory, obscene, violent, racist, sexist, or discriminatory, we will not
hesitate to remove said post.
• Personal attacks will not be tolerated.
• We do not allow solicitations or advertisements. This includes promotion or endorsement of
any financial, commercial or non-governmental agency. Similarly, we do not allow attempts to
defame or defraud any financial, commercial or non-governmental agency.
• Don’t include personal account or contact information, including e-mail addresses, in your postand
definitely don’t post anyone else’s.
• Don’t undermine PCU’s members’ interests. This is not a place to peddle things that can be
used to rob/harm us, or services that compete directly with ours such as savings, loans,
• Posts that we deem violate the letter or the spirit of any of these will be removed- without
advanced notice, without discussion, without readings of Miranda rights. We reserve the right
to remove other stuff not explicitly listed, especially if it exposes us to legal or reputation risks.
• If you become aware of any postings that violate these expectations or that you believe are
otherwise objectionable, let us know. E-mail us at firstname.lastname@example.org.
• You participate at your own risk, taking personal responsibility for your comments, your
username and any information provided.
We understand that you are concerned about privacy. For information about how we treat information that you provide us through the Site, please see our Privacy Disclosure which is incorporated into these Terms and Conditions as though fully set forth.
Information Accuracy—No Warranties
All information is either generated by us or is obtained from sources believed by us to be accurate and reliable as of the date posted on the Site. However, because of the possibility of human and mechanical error, delayed updates, as well as other factors such as the difficulty of securing a web site from unauthorized alterations or the occurrence of a system breakdown or other unavailability, neither we nor any of our affiliates provides any representations or warranties regarding the Site or any information in it. The Site and all information is provided “AS IS” and with all faults, and we make no representations and disclaim all implied warranties of every kind, including warranties or any duties (if any) as to accuracy, timeliness, completeness, suitability, availability, merchant ability and fitness for any particular purpose.
Links to Other Sites
This Site contains links to other sites. Some of the links from our Site will take you away from the Progressionscu.org site to a third party or co-branded site where you may see the Progressions logo as well as the logo of another service provider. Third party and co-branded sites include, but are not limited to: ezcardinfo.com and myloaninsurance.com. Any information you provide to these third party and co-branded sites is collected by the service provider. Each of these third party and co-branded sites has separate privacy statements. Please be aware that Progressions cannot be responsible for the privacy practices or content of other sites.
We may also have links from Progressionscu.org to fully branded service provider sites. As you view information on a fully branded site you will see a change in the URL (found in the address space of your internet browser) but the pages may appear as Progressions’ and the service provider is not identified. All information collected on fully branded sites is used by Progressions only and is not shared or used for any purpose other than processing your application and providing the requested service, but may be transferred as part of an acquisition, merger or an insolvency proceeding.
Computer Virus Information
It is possible to contract a computer virus or other malicious code by using the Internet or materials downloaded from it. We cannot assure you that the Site and any software or other information downloaded from it will be virus or problem free and disclaim any liability (if any) for viruses and similar problems. We attempt to keep our site virus free, but cannot assure you that our efforts will always be successful.
To the full extent allowed by applicable law, you agree that neither we nor any of our affiliates will be liable to you and/or any third party for any consequential or incidental damages (including but not limited to lost profits or lost opportunity), or any other indirect, special, or punitive damages whatsoever, that arise out of or are related to the Site, or any use of it or information in it, even if we have been advised of the possibility of such damages. This exclusion of damages includes damages claimed in any cause of action, including but not limited to legal or equitable proceedings and claims relating to contract, tort or products liability.
Damages Limitations and Exclusive Remedies
You agree that your recovery for any allowable damages will be limited to those that you incur in actual reliance and shall be limited, at our election, to: (1) a refund of any amount (if any) you paid to us or (2) correction or replacement of any information. Any failure or unconscionably of any remedy does not affect the enforce ability of the limitations on and exclusions of consequential, incidental and other damages, and you expressly agree that those limitations and exclusions are independent of the performance of any or all agreed remedies. All limitations will apply to all legal and equitable theories, including but not limited to contract, tort or products liability.
Changes and Availability
We reserve the right to change these terms and conditions from time to time, however, so you agree to check the Terms and Conditions periodically to make sure you remain comfortable with it. Each time you visit our Site, you agree to check for changes to the Terms and Conditions. No changes proposed by you or us will be effective unless and until they appear in these Terms and Conditions. If you do not want to be bound by any changes, you must not use the Site after their effective date.
We also reserve the right to terminate the Site or your license, make access unavailable, and change the Site content, with or without reason or notice at any time. Accordingly, if you would like a copy of something that you are authorized to copy, you should copy it when you see it.
The laws of the State of Washington govern this agreement. You consent to the jurisdiction and venue of the courts in Spokane County , WA , in all disputes arising out of or relating to the Site, any use of it or any information in it. You agree that a printed or electronic version of these Terms and Conditions (as changed from time to time) will be admissible in any judicial or administrative proceedings to the same extent as paper records. If you ever believe we have not adhered to this contract or are liable for any other reason, please contact us immediately. If you feel compelled to bring a lawsuit or other proceeding, you must do so within one (1) year of the date you have a right to sue. Any clause of these Terms and Conditions declared invalid shall be deemed severable and shall not affect the validity or enforceability of the remainder.
You also agree that the prevailing party in any lawsuit shall be entitled to reasonable attorney fees and costs.
Membership and Account Agreement
Federal Electronic Signatures in Global and National Commerce Act
Disclosure and Consent
The following disclosure is required by the federal Electronic Signatures in Global and National commerce Act (“ESIGN”).
Please read this ESIGN Disclosure carefully and keep a copy for your records.
Electronic Delivery of Disclosures and Notices:
By clicking “I Confirm” you are consenting to receive account information electronically. This consent applies to legal
disclosures, loan disclosures, terms of your account, and periodic account statement. If you do not consent, we will mail
these documents to you. By consenting to electronic delivery of disclosures and notices, you agree to provide us with
your current email address and update us as to any changes in such information by contacting us at the number or
By clicking the Continue button below, you certify that:
• You (i) agree to receive disclosures electronically and confirm that you will download or print the disclosures for
your records, (ii) acknowledge that you can access information that is provided electronically at this web site,
(iii) acknowledge that such action constitutes your signature to the credit application and the Important Terms
of Disclosure Statement and Promissory Note, and (iv) acknowledge that you are providing your consent to
receive electronic communications pursuant to the Electronic Signatures in Global and National Commerce Act
and intend that this statute applies to the fullest extent possible.
You may not apply online unless you accept these disclosures and information electronically.
Requesting Paper Copies:
Even after consent, you have the right to receive a paper copy of the legal disclosures, loan disclosures, terms of your
account and periodic account statements. If you would like to receive a paper copy at no charge, please contact us at
the number or address below. Please include your name and mailing address and be sure to state that you are
requesting a copy of the disclosures, notices, etc.
Withdrawal of Consent:
If after consenting, you wish to withdraw your consent, you can do so at any time by contacting us at the number or
address listed below.
Hardware and Software Requirements:
In order to access, view, and retain your account information electronically, you must have: a personal computer or
other device which is capable of accessing the Internet with an Internet web browser that has the capabilities to support
a minimum 128-bit encryption; and software which permits you to receive and access Portable Document format or
We reserve the right, in our sole discretion, to discontinue the provision of your account information electronically, or to
terminate or change the terms and conditions on which we provide account information electronically. We will provide
you with notice of any such termination or change as required by law.
Bank Contact Information:
2919 East Mission Ave. Spokane, WA. 509-535-0191 or toll free 800-828-8691
By clicking “I Confirm” you consent to receive legal disclosures, loan disclosures, terms of your account, and periodic
account statements electronically and to the terms and conditions as described above.
Important Notice: You understand that the information you have elected to receive is confidential in nature. We are not
responsible for unauthorized access by third parties to information and/or communications provided electronically nor
any damages, including direct, indirect, special, incidental or consequential damages caused by any unauthorized access.
We are not responsible for delays in the transmission of any information. We are not responsible for any computer virus
or related problems.
Online Banking Terms & Conditions
Online Banking Disclosure and Agreement
This Online Banking Disclosure and Agreement is amended from time to time
(“Agreement”) sets forth the terms and conditions governing the use of Progressions
Credit Union’s Online Banking electronic services. Disclosure information that applies to
Online Banking services offered by Progressions Credit Union is given below.
Please read this Agreement completely and retain it with your personal records. By
using, or allowing another person to use, Online Banking services offered by
Progressions Credit Union, you are agreeing to be bound by the terms and conditions of
this Agreement. In this Agreement, the terms “you” and “your(s)” refer to the member
(if this is a joint account, singular pronouns shall include each of you), and the terms
“we”, “us”, “our(s)”, and “Credit Union” refer to Progressions Credit Union. This
Agreement contains the disclosures required by the Electronic Funds Transfer Act.
Electronic Disclosure of Online Banking Disclosure and Agreement.
By accessing the Online Banking services, you acknowledge electronic receipt of the
Credit Union’s Online Banking Disclosure and Agreement. You agree that you have read
this Agreement in its entirety and will abide by its terms and conditions. You understand
that the Credit Union will not provide you with an additional paper (nonelectronic) copy
of this Agreement unless you specifically request it.
Mobile Banking Disclosure and Agreement
Your enrollment in Online Banking (“SmartLink”) automatically enrolls you in Mobile
Banking (“SmartMobile”). Mobile Banking enables you to access certain features and
functionality of Online Banking, by use of an electronic device, such as mobile
telephones or tablet devices. Mobile Banking requires you to have a mobile device with
internet capability. There are no fees associated with being enrolled in Mobile Banking.
You may, however, incur charges from your telecommunications carrier when sending
or receiving messages to your wireless device. You may also incur charges to receive
internet service on your mobile device. Progressions Credit Union will not be responsible
for any such charges that you may incur.
Information you provide in connection with Mobile Banking will be stored on
Progressions Credit unions secure servers and protected by advanced encryption
techniques. As with all electronic banking, security is contingent upon your responsible
behavior in protecting your User ID and Password and your mobile device. You should
avoid conducting any mobile banking transaction in view of others and should never
abandon your device before your transaction is completed.
eAlerts and eNotices Disclosure and Agreement
Your enrollment in Online Banking (“SmartLink”) will allow you to receive transaction
alerts and notifications electronically (“eAlerts” and “eNotices”). eAlerts are electronic
notices from us and contain transactional information about your Progressions Credit
Union account(s) you have designated. For example, eAlerts may include information
about the receipt of a payroll deposit, or other credit to an account, about withdrawals
that exceed a certain dollar amount, just to name a few. eAlerts are set up by you using
Online Banking (“SmartLink”).
eNotices are electronic notices from us regarding your Progressions Credit Union
account(s) and contain information and notices in an electronic format such as
overdraft, collection, and certificate maturity notices.
By subscribing to the eAlerts and eNotices feature, you acknowledge and agree that:
1. eAlerts and eNotices are provided solely as a convenience;
2. eAlerts and eNotices are not a substitute for periodic statements for your
designated accounts or any other notices we may send you about your
designated accounts, without regard to the manner in which you have chosen to
receive such periodic statements or other notices;
3. Such periodic statements and other notices remain the official records of your
designated accounts; and
4. Your ongoing obligation promptly to review periodic statements, notices and all
other correspondence from us regarding your designated accounts and other
services you obtain from us remains in full force and effect.
You agree to provide us a valid mobile phone number or email address so that we may
send you alerts. Additionally, you agree to indemnify, defend and hold us harmless from
and against any and all claims, losses, liability, cost and expenses (including reasonable
attorneys’ fees) arising in any manner from your providing us a phone number, email
address, or other electronic delivery location that is not your own or that you provide in
violation of a applicable federal, state or local law, regulation or ordinance. You
obligations under this paragraph shall survive termination of this agreement.
We may provide eAlerts and eNotices through one or more of:
1. A cellular telephone, by text message,
2. A text or Web enabled mobile device, or
3. An email account.
It is your responsibility to determine that each of the service providers for the
communication media described in 1) through 3), above supports the email and/or text
message eAlerts and eNotices. You agree that the eAlerts and eNotices are subject to
the terms and conditions of your agreements with your service provider(s) and that you
are solely responsible for any fees imposed for eAlerts and eNotices by your service
providers. By electing eAlerts and eNotices delivery to a web-enabled mobile or cellular
device, you agree to receive eAlerts and eNotices through that device. Message and
data rates may be imposed by your service provider. The frequency of eALerts and
eNotices delivered to your mobile phone or cellular device depends upon the frequency
of events triggering requested types of eAlerts and also to eNotices generated by
Progressions Credit Union.
You acknowledge and agree that:
1. eAlerts and eNotices may not be encrypted and may include personal or
confidential information about you and your transactions, such as your name and
account activity or status;
2. Your eAlerts and eNotices may be delayed, misdirected, not delivered, or
corrupted due to circumstances or conditions affecting your service providers or
other parties; and
3. We will not be liable for losses or damages arising from:
a. Any non-delivery, delayed delivery, misdirected delivery, or corruption of
an eAlert or eNotice.,
b. Inaccurate, untimely or incomplete content in an eAlert or eNotice,
c. Your reliance on or use of the information provided in an eAlert or eNotice
for any purpose, or
d. Any other circumstances beyond our control.
Who is Bound by This Agreement
Each person (“signer”) who completes the online Application and/or enters their PIN
(Personal Identification Number) or signs the Application agrees to be bound by the
terms and conditions of this Agreement. If more than one person signs the Application,
enters their PIN, or completes the online Application, all signers are jointly and severally
liable. The Credit Union can waive or delay enforcement of its rights as to one signer
without affecting its ability to enforce its rights as to the other signers. By accessing the
system, or authorizing anyone else to access the system, and/or by signing the
Application, you agree to be bound by the terms and conditions of the Agreement.
Right to Receive Documentation of Transactions
You will receive a monthly account statement for each month in which there are
transactions or activity on your account. In any case, you will receive a quarterly
Your Liability for Lost, Stolen, or Unauthorized Transactions
Tell us AT ONCE if you believe your PIN has been lost or stolen. Telephoning is the best
way of keeping your possible losses down. You could lose all the money in your account
plus your maximum overdraft line of credit, if applicable. Progressions must hear from
you no later than sixty (60) days after Progressions sent the first statement on which
the problem or error appeared. Also, if your statement shows transactions that you did
not make, 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 you have authorized someone else to use the PIN, you are responsible for all
transactions that person(s) initiates at any time, even if the amount or transactions
exceed what you may have authorized.
How to Notify the Credit Union in the Event of an Unauthorized Transaction
If you believe your PIN has been lost or stolen or someone has transferred or may
transfer money from your account without your permission, call us at (509)535-0191 or
contact us at 2919 East Mission Ave. Spokane, WA 99202-3691.
For purposes of these disclosures, our lobby hours are Monday – Friday 9 am to 5 pm.
Drive up hours:
• Monday – Thursday: 9 am – 5:30 pm
• Friday: 8 am to 6 pm
Personal Identification Number (PIN) and Personal Security Code
Your accounts can only be accessed through Online Banking by the use of an access
device with the PIN. Initially, your PIN must be given to you by Progressions Credit
Union personal. If you forget your PIN, contact the Credit Union and we will issued you
a new one. You are responsible for maintaining the confidentiality of your PIN. The PIN
should be memorized and not written, in order to prevent unauthorized use and so you
may report its loss or theft accordingly. You agree that you will not use or allow anyone
else to use your PIN for any transaction that is illegal under applicable federal, state, or
Our Liability for Failure to Make Transfers
If we do not complete a transaction to or from your accounts on time or 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, if:
• Your PIN has been entered incorrectly;
• Through no fault of ours, you do not have enough money in your account to
make the transaction;
• The transaction would go over the credit limit on your credit line;
• The network system was not working properly and you were aware of the
malfunction when you started the transaction;
• Circumstances beyond our control (such as fire, flood, power failure, or computer
down-time) prevented the transactions despite reasonable precautions that we
• The money in your account is subject to an uncollected funds hold, legal process,
or any other encumbrance or agreement restricting a transaction;
• The failure to complete the transaction is done to protect the integrity of the
system or to protect the security of your account.
• There may be other exceptions not specifically mentioned above.
Disclosure of Account Information to Third Parties
We will disclose information to third parties about your account or the transfers you
• When it is necessary to complete the transaction;
• In order to verify the existence and condition of your account for a third party,
such as a credit bureau or merchant;
• In order to comply with government agency or court orders or other legal
• To any subsidiary or affiliate; or
• If you give us your prior oral or written permission.
You are required to keep the Credit Union informed of your current address to ensure
correct mailing of monthly statements.
Change in Terms
If the credit union changes a term or condition originally disclosed to the member in a
way that restricts the EFT services available, increases fees or charges, increases the
member’s liability, or places stricter limits on the dollar amount or frequency of
transfers permitted, then the credit union must mail or deliver to the member a written
notice of the change at least 21 days before the change becomes effective. The credit
union need not give prior notice if an immediate change in terms or conditions is
necessary to maintain or restore the security of an account or an EFT system. For
example, if a credit union determines that a security risk exists and must therefore
restrict a member’s ATM access to his or her accounts. If, however, the change is made
permanent, subsequent notice must be given, unless continued secrecy is essential to
maintain the security of the system. For example, the credit union need not notify the
member that certain limitations will not be in effect during periods when the system is
For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we
may take up to 90 days to investigate your complaint or question. For new accounts,
we may take up to 20 business days to credit your account for the amount you think is
You may terminate this Agreement with us at any time. The Credit Union reserves the
right to terminate this Agreement and/or your use of Online Banking with or without
cause. We may do so immediately if:
• You or any authorized user of your account breaches this or any other
agreement with the Credit Union (includes account abuse or overdrafts);
• We have reason to believe that there has been or might be an unauthorized use
of your account; or you or any authorized user of your account requests that we
You agree to pay the Credit Union our reasonable expenses, including court costs and
attorney’s fees, for enforcing our rights under this Agreement.
Additional Benefit Enhancements
From time to time, the Credit Union may offer additional services to you in connection
with your accounts. Some services may be provided at no additional cost to you and
others may involve a specified fee. You understand that the Credit Union is not
obligated to offer such services and may withdraw or change them at any time.
Reservation of Rights
Failure or delay by the Credit Union to enforce any provision of this Agreement or to
exercise any right or remedy available under this Agreement, or at law, shall not be
deemed a waiver and the Credit Union expressly reserves the right to enforce such
provision, or to exercise such right or remedy, at a later date.
Except as stated otherwise in the Agreement, this Agreement does not alter or amend
any of the terms or conditions of any other agreement you may have with the Credit
If any part of this Agreement should be held to be unenforceable, the remaining
provisions of this Agreement shall remain in full force and effect.
In Case of Errors or Questions About Your Electronic Transfers
Telephone us at (509)535-0191 or write to us at 2919 East Mission Ave. Spokane, WA
99202-3691 as soon as possible, if you think your statement or receipt is wrong or if
you need more information about a transfer listed on the statement or receipt. We must
hear from you no later than sixty (60) days after we sent the FIRST statement on which
the problem or error appeared.
• Tell us your name and account number (if any).
• Describe the error or the transfer you are unsure about, and explain as clearly as
you can why you believe it is an error or why you need more information.
• Tell us the dollar amount of the suspected error.
If you tell us orally, we may require that you send us your complaint or question in
writing within ten (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** days to investigate your
complaint or question. 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 credit your account. If we
decide that there was no error, we will send you a written explanation within three (3)
business days after we finish our investigation.
* If you assert an error within 30 days after you make the first deposit to your account,
we will have 20 business days instead of 10 business days.
** If you give notice of an error within 30 days after you make the first deposit to your
account, or notice of an error involving a transaction initiated outside the U.S., its
possessions and territories, we will have 90 days instead of 45 days to investigate.
You may use Online Banking to perform the following transactions:
• Obtain account balances, dividends and available histories; obtain loan balances,
next payment due date, scheduled payment amount, payoff amount, and
• Obtain clearance of specific checks within the history period available;
• Transfer funds between your savings, checking, and club accounts;
• Make loan payments.
By submitting this request, you authorize the credit union to discontinue sending
statements via postal mail service and begin sending your statement information
electronically. There may be a fee associated with the reinstatement of paper
statements. You will be notified by email each time that a new statement becomes
available for your inspection. It is your responsibility to access the statement. You can
gain access to your account statements by using any type of computer connected to the
internet. You will need a printer if you want to create a paper copy of your statement.
By requesting to receive your statements electronically you are telling the credit union
that you have printing capabilities.
You may opt-out of eStatements at any time by contacting us at 509-535-0191 or by
email at email@example.com.
Patriot Act Policy:
USA Patriot Act Disclosure
The USA Patriot Act was enacted in an effort to protect you and our country from the
threat of terrorism and terrorist activities.
Important Information For Opening A New Account
Important Information About Procedures When Opening a New Account: To help
the government fight the funding of terrorism and money laundering activities, Federal
law requires all financial institutions to obtain, verify and record information that
identifies each person who opens an account.
What This Means to You: When you open an account, we will ask you for your name,
address, date of birth and other information that will allow us to identify you, SUCH AS
your driver’s license or other identifying documents.
If you are opening an account, applying for a loan, adding a joint accountholder or
requesting a Wire Transfer or ACH Origination you will be asked for one form of photo
ID. If you cannot provide a current Photo ID, you will be asked to provide supporting
identification. If you do not have this information with you at the time of the request, the
transaction will not be completed until the information is provided. If you do not have
any of the ID’s listed below, discuss your options with a Member Service Specialist.
The following is a list of acceptable identification:
Photo Identification MUST Be One Of The Following:
• Washington Un-expired State Driver’s License
• Un-expired Military ID card
• Un-expired Passport
• Un-expired Immigration Card
• Any other form of Government Issued ID
• Employer Issued Photo ID (This form of ID must be accompanied by a recent
Pay stub, which includes documentation of social security number)
• Student ID card (Must be accompanied by a document such as class schedule or
Other “Supporting” Identification Documents Include:
• Social Security Card
• Certified Birth Certificate
• Current Pay Stubs
• Immigration Documents
• Current Financial Institution Statements (with current address)
• Current Utility Bills (with current mailing address)
Individuals opening accounts for minor children will need to provide Photo ID for
themselves and a Social Security Card for the minor child. Individuals opening business
accounts will be required to provide additional information regarding the business.
Please discuss this with a Member Service Specialist. Individuals not appearing in
person to open accounts will need to have Photo Id photocopied and notarized as a true
and exact copy.
Contact us if you have questions or problems with this site.