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Eligibility & Online Services
You must be a member of Monad Federal Credit Union in order to use Monad @ Home. A member through Monad @ Home may perform the following transactions:
  • Review account balance(s)
  • Review current period transactions
  • Review cleared checks
  • Review prior period transactions
  • Transfer funds between accounts (savings to checking, checking to loan, etc)
  • Request a check withdrawal from your account
  • Request a loan advance on your Timeline loan to your checking, savings, or in the mail
  • Retrieve and print image of paid checks.
Operating System
Our Internet site is designed to operate using World Wide Web technologies and protocols, which are adaptable to a wide range of systems. Note the closed lock on the bottom right of your screen. This means you are at a secure web site.

Password
Access to a member account will be by means of a password. You will be given a temporary password when your account is first activated. It is your responsibility to change this password. Users agree not to make their password available to any other person. If you believe that your password has been lost or stolen, or find that someone has transferred or may transfer funds from your account without your permission, contact us using one of these methods:
  • Call us at (509) 545-1406 between the hours of 10:00 a.m. and 6:00 p.m.;
  • Monday through Friday. Our toll free number is (888) 488-1406;
  • Write us at 1817 W Sylvester, Pasco, WA 99301;
  • Send a fax to (509) 545-1450; or
  • Contact us in person at either of our offices.
You may change your password at any time when you are using Monad @ Home. We recommend that you change your password periodically and do so immediately if you believe someone has gained access to your information.

Service Charges
Monad Federal Credit Union does not intend to charge for this service. Monad FCU does reserve the right to do so in the future and will provide 90 days advance notice before any fees are put into effect.

Statements
All transactions generated through Monad @ Home will appear on your monthly or quarterly statement.

Our Liability
If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, we will not be liable for the following exceptions:
  • If, through no fault of ours, you do not have enough money in your account to make the transfer;
  • If the Monad @ Home equipment or software was not working properly and you knew about the breakdown when you did the transfer;
  • If circumstances beyond our control (such as fire or flood) prevent the transfer despite reasonable precautions that we have taken.
We shall not be responsible for any other loss, damage, or injury whether caused by the equipment, software, and/or Monad @ Home service, nor shall we be responsible for any direct, indirect, special, or consequential damages arising in any way out of the installation, use, or maintenance of your equipment, software, and/or Monad @ Home except where the law requires a different standard. We do not make any warranties concerning the equipment, the software, or any part of thereof, including, without limitations, any warranties or fitness for a particular purpose or warranties of merchant liability.

When you access accounts using Monad @ Home, this does not change the agreements you already have with Monad FCU on those accounts. Nothing in this agreement shall modify any term or condition contained in the Membership Agreement or any other agreement between you and Monad FCU. All terms of those agreements shall remain in full force and effect. When you use Monad @ Home services to access any account, you do so under the terms and conditions Monad FCU gave you in the agreement and disclosure for the account. You should review those agreements for any applicable fees, for limitations on the number of transfers you can make, and for other restrictions which might impact your use of an account with Monad @ Home.

Errors and Questions
In case of errors or questions about your electronic transfers, telephone us at (509) 545-1406, or write us at 1817 W Sylvester, Pasco WA 99301, within 60 days after your learn of the error. You will need to tell us the following:
  • Your name and account number
  • Why you believe there is an error and the specific dollar amount
  • When the error took place
If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will reply and tell you the results of our investigation within 10 business days and correct any error promptly. If we need more time, we may take up to 45 days to investigate the complaint, but you will have the use of your funds after 10 business days. If we ask you to put your question or complaint in writing and we do not receive it within 10 business days, we may not credit your account during the investigation.

If we decide that there was no error, we will send you a written explanation within 3 business days after we finish our investigation. You may request copies of the documents that we used in our investigation.

If you need more information about our error resolution procedures, please call us at (509) 545-1406, or toll free at (888) 488-1406.