By using this Co-Optima Connect online banking service,
you agree to be bound by the terms and conditions of
this User Agreement.
NOT sign-in using your Co-Optima Voice access code or
ATM PIN number.
You must first register for online banking
before beginning to use this service. To register to begin using the Co-Optima Connect
service click here:
If you have forgotten your sign-in access code
Banking User Agreement
Online Banking Agreement explains the terms
and conditions for using this service. By registering
for, and using the service you agree to the
terms and conditions of service as set out
the Online Banking service of The Barbados
Public Workers’ Co-operative Credit
Union Ltd. This service allows you to make
enquiries on your account and also to make
limited transactions within your account.
present funds cannot be moved into or out of
your account. This service is available to
members who are sixteen years or older.
words we, us, our, the Credit Union and BPWCCUL
refer to The Barbados Public Workers’ Co-operative
Credit Union Ltd.
words you, your, yours and member refer to
any person with an eligible account at The
Barbados Public Workers’ Co-operative
Credit Union Ltd.
words account or accounts mean a Barbados Public
Workers’ Co-operative Credit Union Ltd
account for which a member has sole or joint “OR” ownership.
Connect means the BPWCCUL’s online banking
Eligible accounts mean accounts with the minimum qualifying shares as specified
in the BPWCCUL’s By-Law 21(a) and (b). These include Regular Individual
accounts, Youth Savers accounts and Joint “OR” Personal Accounts.
is limited to eligible accounts at the Credit
Union. Other types of accounts like non-member,
business and joint “AND” accounts
do not qualify.
order to gain access to your account(s), you
must use your account number together with
the temporary online access code that was used
when you initially applied for this service.
You must change that temporary access code
immediately after accessing your account for
the first time. If you fail to change your
temporary access code as directed by us above
and your account is accessed by any unauthorised
person or persons, the Credit Union will not
be legally liable for any loss occasioned to
you as a result of such unauthorized access.
access code must be between eight (8) and twenty
(20) characters long. Your access code can
be created using letters or digits or a combination
of letters and digits. Access codes are case
have access to your account(s) twenty-four
hours a day and the transactions made on your
account are updated right away. Notification
will be given online or by other means, of
any breaks in service due to maintenance, etc.
have a personal right to use our online banking
and this right cannot be transferred to anyone
else. You should not use a shared e-mail address
for this service. You are fully responsible
and accountable for any lawful or unlawful
use of this service, whether by you or unauthorized
individuals using your personal e-mail address
as confirmed to us by you, or using your access
information, e.g. your access code.
of Access Code
agree to keep your access code confidential
at all times and shall not disclose it to anyone
else, whether by accident or otherwise. You
are solely responsible for ensuring that your
access code is secure. Do not in any circumstances
store your confidential access code and account
number(s) together. You are advised not to
use access codes that can be easily discovered,
credit union account number
bank account number
of family or friends
residing outside of Barbados shall be issued
with an interim access code to be changed when
they use the online facility for the first
time. This initial code shall expire within
twenty-one (21) days of its being issued.
You are encouraged to change your access code at intervals as a safety measure.
Change your access code if you suspect that someone is aware of it.
understand and agree that access to our Online
Banking is provided by way of the Internet
and that the Internet is not a private medium
of communication. The Barbados Public Workers’ Co-operative
Credit Union Ltd. cannot guarantee the absolute
privacy of any information transmitted to or
from the Credit Union via the Internet. However,
the Credit Union has taken several measures
to promote the protection of member information
in this online banking service, including the
use of industry-standard data encryption, secure
Internet protocols, network firewalls and stringent
internal access procedures.
agree that the BPWCCUL shall not be held accountable
for any loss or damages that may occur or are
in any way connected to the BPWCCUL performing
its obligations under this agreement, except
where gross misconduct or negligence has occurred.
The BPWCCUL shall not be liable for any incidental,
special, consequential or indirect damages
arising from but not limited to:
user of this service inputting incorrect
user failing to log off and an unauthorized
person accessing the user’s account
to service providers where the due date
for payment has passed
is a system failure and the user cannot
access his/her account
malfunctions that affect the accuracy or
timeliness of messages or instructions
between you and the BPWCCUL and /or which
prevent them from being transmitted in
whole or in part.
BPWCCUL seeks to provide efficient service
at all times. However, the BPWCCUL will not
be responsible for any damages, costs or expenses
that you may incur except for our gross negligence
or willful misconduct. The Credit Union’s
liability will be limited to the amount involved
in the communication. The Credit Union will
not be liable for any special, incidental,
consequential or indirect damages or for loss
you fail to enter your access code correctly
after three consecutive attempts your access
to this service will be locked and you must
contact the Credit Union to have it restored.
to Credit Union
you have forgotten your access code you should
notify the Credit Union.
online home banking service may be used to
check balances and available amounts; view
the transaction history on account records;
make transfers within the account and to make
bill payments. The facility to make withdrawals
and transfers out of the account, deposits
into the account or transfers between different
account numbers is not currently available.
fees are currently charged for using our Co-optima
Connect online banking facility.
related to your account must be made no later
than sixty (60) days after a transaction has
occurred on the account. This should be done-:
e-mailing the Credit Union at email@example.com.
letter faxed to (246) 437-8745 (Belmont
Road) or (246) 228-8586 (Broad Street)
visiting our offices during normal working
include the following important information
in your communication:
• Your account number
• Date of the transaction
• Nature of the transaction
• Amount of the transaction
• If a bill, the type of bill and your account number with the service
BPWCCUL may terminate access to your account(s):
receipt of a signed original Termination
of Service form. Non-resident members
must have this form notarized.
receiving a court order to do so, or
instructions from any authorized local
agency, without prior notice.
receipt of written notification of
a dispute by either party to a joint “OR” account.
The Credit Union may temporarily suspend
access to the account until the dispute
circumstances where the member’s
account does not have the required
minimum qualifying shares for membership.
[See By-Law 21 (a) and (b)].
circumstances where fraud is suspected,
the member is deceased or where the
terms of this Agreement have been breached.
any other circumstances where the organisation
deems it necessary to do so, in the
interest of the member(s) and the organisation,
without prior notice.
agree to provide true and correct information
when registering for the Online Banking service.
addition to any legal requirements, some information
on your account may be disclosed to other agencies,
e.g. other financial institutions seeking verification;
credit bureaus; hire purchase organizations,
provided we hold your written permission to
BPWCCUL reserves the right to change the terms
and conditions of the Online Banking Agreement
at its sole discretion. You will be notified
in advance electronically or otherwise, of
may terminate this service if you do not agree
with the changes made. However, if you continue
to use this service after the effective date
for those changes, it will be deemed that you
have accepted the changes.
of the Agreement
Agreement does not affect any other savings,
loan or other agreements in effect on eligible
Agreement is governed by the Laws of Barbados,
the Electronic Transactions Act 2001 of Barbados,
the Co-operative Societies Act & Regulations,
and the By-Laws and Policies of The Barbados
Public Workers’ Co-operative Credit Union
Agreement shall become effective upon its receipt
at the BPWCCUL’s registered address ALONG
with relevant signature(s) attached, and shall
be governed by the laws of Barbados, and shall
not be waived, altered, modified or amended
as to any of its terms or provisions except
as the BPWCCUL may consent thereto.
signatories to this Agreement shall be deemed
to have read or have had read to them, the
terms and conditions of this Agreement, and
understand the legal implications thereof and
are also aware of the consequences that may