I herby apply for TCCU ONLINE AND/OR AUDIO RESPONSE TELEPHONE TELLER.
I have read the TCCU ONLINE AND/OR AUDIO RESPONSE TELEPHONE TELLER Disclosure and Agreement and agree to the terms and conditions.  I understand that all previous terms and conditions are incorporated into this Agreement.
I understand that I cannot use the TCCU ONLINE OR ARTT without a password I am solely responsible for the safe-keeping of my Password.  If I allow someone that use of my password, this will allow them access to my Credit union accounts.
I understand that my password may be used for check withdrawals, transfers within my account(s), information regarding my account and such other transactions as may become available.
I am responsible for all transactions by use of the TCCU ONLINE AND/OR ARTT.  For multiple party accounts, each person on a multiple party account will be liable for all transactions that are made on that account.  Each owner(s) on a multiple party account(s) agrees to be liable for the actions of the other owner(s) on the account. I am responsible for the safekeeping of my password and for all transactions by use of the TCCU ONLINE AND/OR ARTT.
I further understand that my password is not transferable and I will not disclose the password or permit any unauthorized use thereof.
If I default in any amount I owe under this Agreement, I agree to pay any and all attorney fees and collection costs incurred by the Credit Union.
I waive all present or future claims against the Credit Union and release said Credit Union for all responsibility for loss or damage not caused by Credit Union's negligence which I might incur through unauthorized transitions of any kind from my account(s) through the custody and use of the password.  I hereby indemnify and release Town and Country Credit Union from any and all liability and agree not to make any claims or bring action against Town and Country Credit Union in honoring or allowing any transactions: if I have permitted the person performing the action or transaction to use my account or when I have provided my password to that person or if the transaction is the result of my negligence or carelessness.
I understand that the Credit Union reserves the right to discontinue access to the TCCU ONLINE AND/OR ARTT without notice and will not be liable for failure to honor any TCCU ONLINE AND/OR ARTT transactions.
Amendments to this Agreement may be provided to me, in accordance with application laws, without restatement of a period terms.The use of the ARTT AND TCCU ONLINE is subject to such other terms, conditions and requirement as the Credit Union may establish from time to time.
TCCU ONLINE AND AUDIO RESPONSE TELEPHONE TELLER (ARTT) is covered under the Electronic Funds Transfer Act as described in the Membership and Account Agreement.
This agreement will be subject to and governed by the laws of North Dakota and any applicable federal laws.  If any provision of this Agreement will be prohibited or invalidated under applicable law, the remaining provisions of this Agreement remain valid and in full force and effect.  My initial use of any TCCU ONLINE AND/OR ARTT in connection with my account(s) at Town and Country Credit Union constitutes my acceptance and agreement to be bound by all of the terms and conditions of this Agreement and of the Deposit Account Terms and Conditions.
All services later added are covered under this agreement and my signature authorizes Town and Country Credit Union to carry out transaction under and TCCU ONLINE AND/OR ARTT services I decide to use or setup at a future date, such as Bill payment Services.  By using any new service, I agree to be bound by the terms communicated to me in advance.