3153 Foley Street
Miami, FL 33176
JC Credit Union
Last Updated: January 2025
Welcome to JC Credit Union. These Terms & Conditions govern your access to and use of our website, online banking services, financial products, account services, and any related services provided by JC Credit Union.
By accessing our website, signing into your account, applying for a financial product, or using any of our services, you agree to be bound by these Terms & Conditions. If you do not agree with these terms, please do not use our website or services.
JC Credit Union is a member-focused financial institution committed to providing secure, reliable, and convenient financial services. Our services may include savings accounts, checking accounts, loans, online banking, transaction support, financial guidance, fraud assistance, and member protection services.
Our mission is to help members manage their money with confidence and build a stronger financial future.
Access to certain JC Credit Union products and services may require membership approval. Membership eligibility may depend on location, employment, family relationship, organization affiliation, account requirements, identity verification, or other qualifying conditions established by JC Credit Union.
JC Credit Union reserves the right to approve, deny, suspend, or terminate membership in accordance with applicable laws, internal policies, and account agreements.
By using our website or services, you agree to:
You are responsible for all activity that occurs under your account unless it is determined to be unauthorized after investigation.
JC Credit Union may provide online banking services that allow members to access account balances, review transactions, transfer funds, pay bills, and manage account information.
You are responsible for maintaining the security of your online banking login details. JC Credit Union will never ask you to share your full password, PIN, or one-time security code by email, text message, or phone call.
If you believe your account has been compromised, you must contact JC Credit Union immediately.
JC Credit Union makes reasonable efforts to provide accurate account information through our website and online banking services. However, account balances, transaction records, loan details, and other information may be subject to verification, processing delays, corrections, or updates.
In the event of an error, JC Credit Union reserves the right to correct inaccurate information in accordance with applicable laws and account agreements.
Members may use JC Credit Union services to perform approved financial transactions, including deposits, withdrawals, transfers, payments, and other account activities.
All transactions are subject to:
JC Credit Union may delay, reject, reverse, or investigate any transaction if suspicious activity, insufficient funds, incorrect information, system error, or legal restriction is suspected.
JC Credit Union may offer loan and credit services, including personal loans, auto loans, emergency loans, and business loans.
All loan products are subject to:
Submission of a loan application does not guarantee approval. Loan terms may vary depending on member eligibility, credit profile, loan type, and applicable policies.
Certain JC Credit Union services may be subject to fees, including account maintenance fees, transaction fees, transfer fees, late payment fees, overdraft fees, loan processing fees, or other applicable charges.
Members are responsible for reviewing all applicable fees before using a service. JC Credit Union reserves the right to update fees and charges in accordance with applicable laws and member agreements.
JC Credit Union is committed to helping protect members from unauthorized, suspicious, or mistaken transactions.
If a member loses money through an unauthorized transaction, fraud, account compromise, payment error, or disputed transaction, JC Credit Union may review the matter through its member protection process.
Possible support may include:
Coverage or reimbursement is not automatic. Each case is subject to investigation, member responsibility, account terms, applicable laws, and JC Credit Union policies.
Members must report suspicious or unauthorized transactions as soon as possible.
JC Credit Union may assist members who face serious financial issues requiring legal follow-up. This may include financial fraud, disputed transactions, identity theft, loan disputes, debt-related concerns, or recovery of lost funds.
JC Credit Union may help by:
Attorney assistance is subject to eligibility, approval, availability, and the nature of the case. JC Credit Union does not guarantee legal outcomes and does not replace independent legal advice. Members may choose to obtain their own legal counsel at any time.
JC Credit Union uses reasonable security measures to help protect member accounts and personal information. However, members also have a responsibility to protect their accounts.
Members should:
JC Credit Union may not be responsible for losses caused by member negligence, shared credentials, delayed reporting, or failure to follow security guidance.
JC Credit Union may monitor accounts and transactions for fraud prevention, security, compliance, and risk management purposes.
We reserve the right to temporarily restrict, suspend, or delay account access or transactions if we suspect fraud, unauthorized activity, money laundering, identity theft, or violation of these Terms & Conditions.
Your use of JC Credit Union services is also governed by our Privacy Policy. By using our website or services, you agree that JC Credit Union may collect, use, store, and process your personal information as described in our Privacy Policy.
Personal information may be used for identity verification, account management, transaction processing, fraud prevention, legal compliance, and customer support.
Our website may contain links to third-party websites, payment processors, service providers, or external resources. JC Credit Union is not responsible for the content, accuracy, privacy practices, or security of third-party websites.
Use of third-party services is at your own risk and may be subject to separate terms and conditions.
JC Credit Union aims to keep its website and online banking services available and secure. However, we do not guarantee uninterrupted access.
Services may be unavailable due to:
JC Credit Union is not liable for losses caused by temporary service interruptions unless required by law.
All content on the JC Credit Union website, including text, logos, graphics, icons, images, page layouts, and branding materials, belongs to JC Credit Union or its authorized partners.
You may not copy, reproduce, modify, distribute, or use any website content for commercial purposes without written permission from JC Credit Union.
To the fullest extent permitted by law, JC Credit Union shall not be liable for indirect, incidental, special, consequential, or punitive damages arising from your use of our website, services, or financial products.
This includes, but is not limited to, losses caused by:
Nothing in these Terms & Conditions limits any rights or protections that cannot be excluded under applicable law.
You agree to indemnify and hold JC Credit Union harmless from any claims, damages, losses, liabilities, costs, or expenses arising from:
JC Credit Union may suspend, restrict, or terminate access to accounts, online banking, or services if:
Where possible, JC Credit Union may provide notice, unless doing so would create security, legal, or compliance risks.
JC Credit Union may update or modify these Terms & Conditions at any time. Updated terms will be posted on our website with a revised “Last Updated” date.
Continued use of our website or services after changes are posted means you accept the updated Terms & Conditions.
These Terms & Conditions shall be governed by the applicable laws and regulations of the jurisdiction in which JC Credit Union operates.
Any disputes arising from these Terms & Conditions or use of JC Credit Union services shall be resolved through the appropriate legal or regulatory process.
If you have questions about these Terms & Conditions, your account, transaction protection, legal support, or any JC Credit Union service, please contact us.
JC Credit Union
Email: support@jccreditunion.com
By using JC Credit Union’s website, online banking platform, account services, loan services, or member support services, you confirm that you have read, understood, and agreed to these Terms & Conditions.
