Video Terms of Use

As a User of the financial service, I agree to the following terms of use. I will act and engage in a manner that is professional and courteous while on video with representatives from Cobalt Credit Union. I shall not use language or gestures that are intended to harm, threaten, or demean. I understand using such actions can result in a ban from the video platform. When using the system, I will be dressed in such a way that would be consistent with being present in a physical branch. I shall not use this service while driving or operating other heavy machinery, and understand that all risks, injury and harm associated with doing so are NOT responsible by Cobalt Credit Union. If multiple parties are involved in a product purchase or service acquisition and signatures are required, I understand that all involved parties must be present. I understand that if I agree to the terms of use, and fail to meet the requirements as described above, the representative I am speaking with may terminate our current video session, and I will not be allowed to receive services from Cobalt Credit Union through this channel. The financial service will operate in good faith, and use just cause while evaluating potential abuse, but will not accept any liability from failure to read, understand, or follow the above-mentioned terms.

Deposit of Items:

We have the right to refuse to accept any check or instrument for deposit at our sole discretion. If you deposit an item and it is returned unpaid, we will debit your account for the amount of the item and charge you a Returned Check Fee. You will be liable to us for the amount of any item you deposit which is returned unpaid, and in addition, will be responsible for any of our costs and expenses incurred in the collection of such returned item from you, including reasonable attorneys' fees. Subject to Our Funds Availability Policy, You may not be able to withdraw funds from your account until we have received final settlement for any items deposited. If depositing by electronic means, you will be required to retain the physical check for a minimum of 14 days from the day of deposit.