Text (SMS) Messaging Terms and Conditions

Text (SMS) Messaging Terms and Conditions

In this Text (SMS) Messaging ("Text Messaging”) Terms and Conditions, the words “you," "your," and "yours" mean any individual accessing online banking. The words "we," "us," "our" and "Credit Union" mean Monterra.

The Credit Union's text messages are intended to provide actionable, informational, transaction, or marketing information regarding our products and services. Certain texts you are opted into as part of a transaction or information sent to you by accessing certain platforms and agreeing to those terms of service on these platforms, such as a new account opening online, applying for a loan online, or fraud and risk mitigation for your debit or credit card. You are able to opt-out at any time by the means listed below under Program Description. We will not send you marketing messages through the Credit Union’s text messaging service unless you separately affirmatively opt-in to receiving such messages, as further discussed below.

Program Description
Monterra has several text messaging programs that utilize separate short code numbers for their distinct use cases. These programs are used to enhance, and better supports a member's need and account control in addition to fraud risk mitigation. Each program has a separate process to consent and join, as listed below.

  • Member Service and Online Account Opening (Monterra Texting: 94701) – Used to communicate general notices, reminders such as branch or holiday closure and general account information including new account application status updates.You can opt-in by texting “START” to the short code listed. You can opt-out of this type of text alert by simply replying “STOP” at any time when texting this number. To request more information, text “HELP”. Message frequency varies and is dependent on text alert type.
  • Debit/Credit Fraud Alerts (23618) – You are automatically enrolled in this alert type, as a fraud prevention tool for your credit or debit card(s). This alert type verifies card activity which may seem out of the ordinary from your typical card usage pattern. We highly recommend that you do not opt-out from these alert types, but if you choose to do so you can by replying “Stop” to the text alert upon receiving.
  • Card Manager Alerts (288472) – Card Alerts are available via our Card Manager App. You can get a variety of alerts regarding debit or credit card transactions. To opt-in, download the Card Manager App from the App Store or Google Play. Once enrolled, you can opt-in to various card alerts by selecting “On” next to the alerts type you’d like to receive. You can opt-out by selecting the “Off” position.
  • Digital Banking Alerts (67669) – Digital banking has a range of account alerts which keep you informed of your account activity. Login to Online Banking, select Alerts within the Resources & Tools tab and choose the category of alert on the left side of the screen. Opt-in by sliding right and opt-out by sliding left.
  • Loan Applications (Monterra Lending Center: 39703) – Used to provide notifications regarding a loan's status and reminders to complete loan documents. Your consent for this Text Messaging is given at the time you provided the Credit Union with your mobile phone number and set forth in your Membership, Truths in Savings Agreement and Disclosure. You can opt-in by texting “START” to the short code listed. You can opt-out of this type of text alert by simply replying “STOP” at any time when texting this number. To request more information, text “HELP”. Message frequency varies and is dependent on text alert type.
  • Payment Reminders (Monterra Financial Assistance: 97612) – Used to provide payment reminders. Your consent for this text messaging is given when you provide us with your mobile number in your loan application. You can opt-in by texting “START” to the short code listed. You can opt-out of this type of text alert by simply replying “STOP” at any time when texting this number. To request more information, text “HELP”.  Message frequency varies and is dependent on text alert type. 
  • Appointment Reminders (89530) – When you set an appointment with us, you have the option to receive text alert appointment remidners. To opt-in, select the text option when you make an appointment.

Message Frequency
The number of text messages you receive will vary depending on which Credit Union text messaging programs you sign up to receive and the frequency of the messages sent by those programs.

If you have opted to receive marketing messages, we will not send you more than ten (10) text messages containing special offers or promoting Credit Union products per month.

We do not charge or impose a fee of any kind for your access to or use of text messaging. However, you are responsible for any and all charges, including, but not limited to, fees otherwise applicable to your account(s) and fees associated with text messaging imposed by your communications service provider. Message and data charges may apply to each text sent or received. Please contact your mobile communication service provider for pricing plans.

How to Opt-In
To opt-in to the Credit Union text messaging program(s), please follow the instructions provided by the specific program from which you wish to receive messages. Opt-In instructions are included above under Program Descriptions or by visiting our Text Alerts page.

How to Opt-Out
You may revoke your consent to receive text messages from any of the program(s) at any time by following the instructions under Program Descriptions or by calling us at (650) 363-1725. In many of our text messaging programs you can opt-out by sending a return text with “STOP”. If you have consented to more than one text messaging program, your opt-out request may generate either a confirmation text or a texted request to clarify the Credit Union text messaging program to which it applies. Revoking your consent to receive marketing text messages from the Credit Union does not also revoke any consent you provided to receive text messages related to a specific transaction (for example, a loan application).

Your Mobile Telephone Number
You agree to provide a valid phone number for this service so that we may send you certain information about your applicable account. We determine in our sole discretion what information we make available through this service. You represent that you are the owner of record for, or the customary user of, the mobile telephone number(s) you designated as your cell phone on your Credit Union membership.

You agree to indemnify, defend, and hold us harmless from and against any and all claims, losses, liability, costs, and expenses (including reasonable attorneys’ fees) arising from your provision of a phone number that is not your own or your violation of applicable federal, state, or local law, regulation, or ordinance. Your obligation under this paragraph shall survive termination of the Agreement.

Access or Delivery to a Mobile Network is Not Guaranteed
It is your responsibility to determine if your mobile carrier supports text messaging and if your mobile device is capable of receiving text messages. Your receipt of our text message(s) is subject to the terms and conditions of your agreement(s) with your mobile carrier.

Delivery and receipt of account information through the Credit Union’s text messaging program may be delayed or impacted by factor(s) pertaining to your phone carrier or other parties. We will not be liable for losses or damages caused in whole or in part by your actions or omissions that result in any disclosure of account information to third parties. Also, nothing about the Credit Union’s text messaging creates any new or different liability for us beyond what is already applicable under your existing account agreements.

The Credit is not responsible for the use of any text messaging received while driving. Safe driving is your responsibility, and you should not use this text messaging service while driving.

Supported Carriers
Supported carriers may change from time to time. We can deliver messages to the following mobile phone carriers:

  • Major Carriers -  AT&T, Verizon Wireless, and T-Mobile
  • Minors Carriers - U.S. Cellular, Boost Mobile, MetroPCS, Virgin mobile, Alaska Communications Systems (ACS), Appalachian Wireless (EKN, Bluegrass Cellular, Cellular One of East Central, IL (ECIT), Cellular One of Northeast Pennsylvania, Cricket, Coral Wireless (Mobi PCS), COX, Cross, Element Mobile (Flat Wireless), Epic Touch (Elkhart Telephone), GCI, Golden State, Hawkeye (Chat Mobility), Hawkeye (NW Missouri), Illinois Valley Cellular, Inland Cellular, iWirelesss (Iowa Wireless), Keystone Wireless (Immix Wireless/PC Man), Mosaic (Consolidated or CTC Telecom), Nex-Tech Wireless, NTelos, Panhandle Communications, Pioneer, Plateau (Texas RSA 3 Ltd), Revol, RINA, Simmetry (TMP corporation), Thumb Cellular, Union Wireless, United Wireless, Vlaero Wireless, and West Central (WCC or 5 Start Wireless)

This list is not exhaustive and is not updated regularly and may change without notice. The Credit Union makes no warranty regarding availability or reliability of Text Messaging services, and we shall have no liability related to any delay or failure in delivery or receipt of text messages. The Credit Union and supported carriers are not liable for delayed or undelivered messages.

To request more information, text “HELP” to the appropriate short code for the text messaging program about which you have questions. You may also receive help by contacting Member Services at (650) 363-1725 during business hours.

To receive Credit Union text messaging services, you must be a resident of the United States and 18 years of age or older. We reserve the right to require you to prove that you are at least 18 years of age. We do not intend to or knowingly collect information from individuals under thirteen (13) years of age.

Changes to Terms and Conditions
The Credit Union may revise, modify, or amend this Text Messaging Terms and Conditions at any time, without notice, except as required by law. Any revision, modification, or amendment shall be effective when it is posted to our website. You agree to review these Text Messaging Terms and Conditions periodically to ensure that you are aware of any changes. Your continued use of a Credit Union text messaging service after the Terms and Conditions have changed shall constitute your acceptance of those changes.

Termination of Text Messaging
We may suspend or terminate your receipt of Credit Union text messages if we believe you breach these Text Messaging Terms and Conditions or the Credit Union's Membership application and Account Agreement. Your receipt of Credit Union text messages is also subject to termination should your mobile telephone service terminate or lapse. We reserve the right to modify or discontinue all or any part of our text messages, with or without notice.

We may cancel, restrict the use of or interrupt your free subscription to any and all Credit Union text messaging service(s) or terminate any and all Credit Union text messaging service(s) at any time, without notice to you.

This service may not be encrypted and at Monterra at some point, may include personal or confidential information about you, such as your account activity or status. You agree to protect your communication device that receives information through this service and not let any unauthorized person(s) have access to the information we provide to you through this service. If you receive a text message purported to be from the Credit Union that requests you send a text with sensitive or non-public personal information, please do not respond. Instead, notify us immediately by calling us at (650) 363-1725.

We may send you text messages containing HTTPS links to exchange sensitive or non-public information online to an Monterra website. These links will Monterra website in your phone’s mobile browser with a "lock" icon to denote the encrypted HTTPS connection.

The Credit Union text messaging is provided for your convenience and does not replace your monthly account statement(s), which are the official record of your account(s).

You agree that any action, dispute, claim, or controversy of any nature between you and the Credit Union arising from or related to the Credit Union's text message service will be subject to and resolved in accordance with the terms of the Credit Union’s Account Agreement or Business Services Account.

The Credit Union values your privacy. To review our Privacy Notice, please visit the Online Privacy & Security page on our website.