MSUFCU Routing Number: 272479663
MSUFCU SWIFT Code: MSUCUS44

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MSU Federal Credit Union | Disclosures | Business

Business Account Disclosures


In this Disclosure and Agreement, the words “you” and “your” refer to the corporation,
partnership, limited liability company, sole proprietorship or other legal entity on whose behalf a Business Account application was executed to establish membership and open a business account with MSU Federal Credit Union. When the Business Account application is signed by an authorized representative of the legal entity, you agree to accept these terms and conditions and are electing to receive electronic correspondence from MSU Federal Credit Union whenever applicable law or regulation, or any of the terms of your various account agreements with the credit union, require that notice be provided in writing. In addition, each of the terms and conditions below apply to your accounts with the credit union.

  • You will receive certain MSUFCU correspondence at the email address you provide to us. The correspondence may include, but is not limited to: Account Statement Notices, Visa Statement Notices, Loan Billing Notices (including late payments), IRS Tax Form Notices, and Transaction Notices (non-sufficient fund and over-draft notices). 
     
  • Electing electronic loan billing notices does not change your current payment method. Loans that are not set up for a monthly billing notice will be emailed only a late notice should the loan become past due. 
  • The credit union will accumulate a 15-month, online archive of account and Visa statements and IRS Tax Forms. 
     
  • Your consent for electronic IRS Tax Forms applies to every year the statement is furnished or until you cancel your electronic enrollment (see below for instructions). 
     
  • You agree to electronically view any changes in disclosures, election information, or updates to MSUFCU products, services, or fees. 
  • Some correspondence that you receive via email may contain links to the MSUFCU web site and ComputerLine for additional information, such as a check image. You will need to use your ComputerLine password to access this information.
     
  • While enrolled in electronic correspondence, you will not receive the same
    correspondence via the U.S. Postal Service.However, you will continue to receive through the U.S. Postal Service certain correspondence
    that is currently not available electronically. 

     
  • You must have a valid email address that we will use to send information using unencrypted email. You will remain enrolled in our electronic service(s) as long as you meet the eligibility requirements, or unless you request otherwise. Consecutive undeliverable email attempts may cause the Credit Union to revoke electronic services until a valid email address is provided.
     
  • At any time, you may cancel enrollment for electronic correspondence by visiting MSUFCU’s web site at www.msufcu.org, logging in to ComputerLine, with your account number and password, then selecting E-Services from the menu and choosing paper notices. Or, you may contact a Credit Union representative at (517) 333-2424 or toll-free at 800- 678-4968. 
     
  • When you cancel your enrollment in a service(s), we will resume mailing all of your correspondence as elected through the U.S. Postal Service at no additional charge to you* and discontinue electronic transmission of these items.
     
  • Except as provided below, if you wish to obtain a paper copy of the emailed
    correspondence, we will provide it to you at no cost.* 

     
  • It is your responsibility to inform us about any change to your name and/or email address. This email address will be used to also communicate with you electronically as necessary. You accept responsibility for the delivery of the electronic correspondence. 
     
  • You have access to the necessary hardware and software to view, print, or otherwise access necessary information to receive electronic communications from us and to access the MSUFCU web site. The minimum hardware requirements are IBM or fully IBM-Compatible PC, Apple, analog modem or Ethernet for internet connection, monitor, and printer. The minimum software requirements are an operating system that supports a web browser such as Internet Explorer v6.0, and Internet Service Provider (Internet Access), and an email application that supports HTML formatted emails.

*A fee may be charged for each overdraft transaction when paper Overdraft Notice is
selected, please review the most recent fee schedule for the cost.


Rev. 1/13