Terms & Conditions

PINPOINT FEDERAL CREDIT UNION (“Pinpoint”) Terms and Conditions of information and services available by and through our Internet site or Online Banking, regarding Pinpoint We are pleased to provide the Pinpoint Internet site in the domain https://pinpointfcu.org (“Site”), and Pinpoint Online Banking Internet site in the domain https://pinpointfcu.org/my-money/ (“Online Banking”). All are provided subject to the following terms and conditions. (Please read them carefully, as any use of the Site or Online Banking constitutes your agreement to all of them, including but not limited to our Online and General Privacy Statements. If you do not agree, please exit the Site at this time.

Site Usage License Grant and Use Restrictions: Your Indemnification Our Site is intended to provide members of Pinpoint (“you”) easy access to information about Pinpoint, (“Pinpoint,” “we” or “us”). We grant you a nonexclusive, revocable license to copy or print an unaltered permanent copy of information on the Site for your personal use, non-commercial purposes only. You may not otherwise copy, modify, publicly distribute, or display, perform, publish, license, create derivative works from, transfer or sell anything obtained from this Site. Your rights to use materials on this Web Site are limited by law. All information on this Site is protected by copyright laws of the United States and other countries. You agree that you will not alter any Site information and will not use (or allow others to use) the Site or any information obtained from it for any wrongful, unauthorized, or unlawful purpose and agree to indemnify and hold us and our affiliates harmless from and against any loss, damage or expense (including attorney’s fees) incurred by them because of any such use.

Online/Mobile Banking Usage of Online or Mobile Banking constitutes your understanding of, and agreement with applicable requirements, including but not limited to requirements set forth herein. Upon first time usage of Online or Mobile Banking, and periodically when logging in to Online or Mobile Banking, you will be presented with Pinpoint’s Electronic Communications Disclosure and Consent (“EDC”). Online and Mobile Banking is only accessible and available to members who agree and consent to the EDC. By accepting the EDC you are indicating your consent to receive via electronic means any required communication from us, including but not limited to disclosures and estatements. PINPOINT user may access account statements by logging in to Online Banking. An Online Banking user may opt-in or opt-out of estatements at the time of Online Banking usage by sending a mail message through Online Banking.


Use of the Website – By accessing the website, you warrant and represent to the Pinpoint Federal Credit Union that you are legally entitled to do so and to make use of information made available via the website.

Browser – Our website has been optimized for viewing in modern web browsers (i.e. Microsoft Edge, Firefox, Safari and Chrome) with JavaScript turned on. If you are running any other browsers or older browser versions, you may encounter problems with certain sections of the website, specifically when using forms.

Changes – Information and materials included in this website as well as the terms, conditions and descriptions are subject to change without notice. You should review all disclosures periodically to ensure your continued agreement to be bound by the terms of such disclosures.

Trademarks – This website contains material which is owned by or licensed to us. This material includes, but is not limited to, the design, layout, look, appearance, and graphics. Nothing contained on this website should be construed as granting any license or right to use any trademark without the prior written permission of Pinpoint Federal Credit Union.

External Links – External links are provided for your convenience, but they are beyond the control of the credit union. The inclusion of third-party links does not imply endorsement by Pinpoint Federal Credit Union for the products, services or information contained therein. Any website visitor’s decision to view the linked web sites is made at their own risk.

Warranties – Pinpoint Federal Credit Union makes every effort to ensure the information contained on this website is accurate and reliable but due to the possibility of human and mechanical error, delayed updates, or other factors all materials are provided “as is”. The credit union provides no warranties, representations, statements or guarantees (whether express, implied in law or residual) regarding this website.

Computer Virus – It is possible to contract a computer virus by using the internet or downloading files. We strive to keep our website virus free but due to the constant development of malicious code we can make no guarantees and thereby disclaim any liability for viruses and associated problems.

Disclaimer of Liability – In no event will the credit union be responsible for and disclaims all liability for any loss, liability, damage (whether direct, indirect, or consequential) or expenses of any nature whatsoever that may be suffered as a result of use and access of this website or any linked site.