Terms of Use
Effective date: April 30, 2026
These Terms of Use govern access to BCU Online websites and related digital experiences. By using the site, you agree to these terms. If you do not agree, discontinue use.
Not financial advice
Educational content on this site is general in nature and may not fit your specific situation. For personalized guidance, consult a qualified professional.
Eligibility and accounts
Banking and lending products are offered subject to application, verification, and program rules. Product terms, fees, and rates are disclosed in account agreements and schedules you receive at onboarding.
Acceptable use
You agree not to misuse services, attempt unauthorized access, interfere with security controls, or use automated means in a way that degrades systems for others. We may suspend access to address risk.
Intellectual property
Site content, branding, and software are protected by applicable intellectual property laws. You may not copy, modify, or distribute materials except as permitted by law or express written consent.
Disclaimer of warranties
Digital services are provided on an “as is” and “as available” basis to the extent permitted by law. We do not warrant uninterrupted operation or error-free experiences.
Limitation of liability
To the fullest extent permitted by law, BCU Online and its affiliates are not liable for indirect, incidental, special, consequential, or punitive damages arising from site use, except where prohibited by law.
Changes
We may update these terms periodically. Continued use after updates constitutes acceptance of the revised terms, except where a separate agreement controls.
Governing law
These terms are governed by the laws of the jurisdiction stated in your account agreements, without regard to conflict-of-law principles that would produce a different result.
Digital banking access and security responsibilities
You are responsible for maintaining confidential login credentials, securing your device, and promptly reporting suspicious activity. Shared devices and weak passwords increase unauthorized access risk.
Availability of financial services content
We aim to keep educational banking and lending information current, but product details may change due to regulatory updates, operational needs, or market conditions. Official disclosures at application or account opening govern.
FAQ: terms and usage expectations
Do these terms replace account agreements?
No. Account-specific agreements, disclosures, and fee schedules control where they differ from general website terms.
What happens if terms are updated?
Updated terms are posted with a revised effective date. Continued use after publication generally means you accept the revised language.
How can I review related privacy commitments?
Read our Privacy Policy for details on data collection, use, and protection practices.