ELECTRONIC FUND TRANSFERS DISCLOSURE AND AGREEMENT

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "ELECTRONIC FUND TRANSFERS DISCLOSURE AND AGREEMENT"

Transcription

1 ELECTRONIC FUND TRANSFERS DISCLOSURE AND AGREEMENT AGREEMENT 1. Issuance of ATM Card or MasterCard Debit Card or Personal Identification Number. In this Disclosure and Agreement, the words you, your and party refer to any person to whom a Credit Union of Texas ATM or Master- Card Debit Card (the Card ) is issued, any person to whom a Personal Identification Number (PIN) is issued in connection with any such Card or the Credit Union of Texas TELEPHONE TELLER telephone access service or the Credit Union of Texas electronic online banking access service, any person authorized to use or given access to any such Card or PIN and any owner on any Credit Union Account which may be accessed by the Card, the PIN, or any other electronic funds transfer. The words we, us, our and Credit Union refer to Credit Union of Texas. You agree that the use of a Card or PIN by you shall be governed by the terms of your Account Agreement with us as well as the terms and conditions set forth in this Agreement and the Electronic Fund Transfers Disclosures set forth below. ATM and MasterCard Debit Cards are available to qualified members who are age 18 and over. ATM Cards, Telephone Teller PINs, and Online Banking PINs may be available to minors age with qualified joint owners who will be responsible for transactions on the account(s). ATM and MasterCard Debit Cards are not available for trust accounts and organization accounts. 2. Overdrafts. You agree to maintain funds in your Accounts at all times sufficient to pay any electronic funds transfer presented for payment against the applicable account. If you make an ATM or point of sale withdrawal and we have authorized payment at the time but there are insufficient funds in your Account when the transaction is presented for payment, we may charge the transaction against your account with any applicable NSF or Overdraft fee. If we do pay a transaction, the amount of which exceeds the balance in the Account upon which it is drawn, you agree to pay us immediately the amount by which that Account is overdrawn together with any fees that we might assess. You also authorize us to deduct any overdraft from your next deposit, to withhold or to transfer funds from any other Account to which you are party in amounts sufficient to cover any overdraft, or to use any other collection remedy available to us at law. If you have authorized Overdraft Protection to your Checking Account from your Share or Deposit Accounts or Line-of-Credit, the use of your card and PIN shall be subject to the Overdraft and Overdraft provisions set forth in the Account Agreement. 3. Card and PIN Security. You agree to keep your Card and PIN in a place of safekeeping, to refrain from disclosing your PIN to any third party and to refrain from writing your PIN on your Card. You agree that the use of the Card or PIN by you, any other applicant, any joint owner on any of your Accounts which may be accessed by the Card, anyone you permit or authorize to use your Card or PIN, and anyone to whom you disclose your PIN or give access to your Card or PIN shall deemed an authorized use for which you shall be liable for the transfers and withdrawals unless you notify us that transfers and withdrawals by that person are no longer authorized. You will be responsible for reporting the loss or theft of your card or PIN to us as soon as possible after the loss or theft. 4. Surrender and Cancellation. You agree to surrender the Card to us upon demand. You agree, further, that the Card shall at all times remain our property and that we may cancel this Agreement at any time, subject to such notification as may be required by applicable law. You agree that we may amend this Agreement and these disclosures, from time to time, subject to such notification as may be required by applicable law.

2 DISCLOSURE 1. TYPES OF AVAILABLE SERVICES. (a) ATM and MasterCard Debit Card. You may use your Card at any of the Credit Union s ATMs or at ATMs which are a part of an electronic funds transfer service network to which the Credit Union belongs. You may use your Card to: (1) Withdraw cash from your Share, Kids Account, Checking, Member Choice and Money Market Accounts. (2) Make balance inquiries on your Share, Kids Account, Checking, Member Choice and Money Market Accounts. (3) Purchase goods and services from merchants who have agreed to accept the Card as a means of payment. Purchases made with your Card are referred to as point of sale (POS) transactions. You may use your Card for additional transactions at certain Credit Union-owned ATMs which are located at: 4600 Ross Ave., Dallas, TX N. Plano Rd., Richardson, TX Gross Rd., Mesquite, TX S. Walton Walker (Loop 12), Dallas, TX Valley View Ln., Irving, TX S. Colony Blvd., The Colony, TX Prince George, DeSoto, TX MacArthur Blvd., Lewisville, TX Crosspoint Atrium Bldg., 8131 LBJ Frwy., Dallas, TX Coit Road, Plano, TX W. Rusk St., Rockwall, TX Ridge Rd., Rockwall, TX At these locations, you may use your card to: (1) Withdraw cash from your Share, Kids Accounts, Checking, Member Choice and Money Market Accounts and other Accounts of which you are a joint owner. (2) Make balance inquiries on your Credit Union accounts. (3) Transfer funds between your Share, Kids Accounts, Checking, Member Choice and Money Market Accounts and other Accounts of which you are a joint owner. (4) Transfer funds from your Share, Kids Account, Checking, Member Choice and Money Market Accounts to make your Credit Union loan payments. (5) Transfer a Line-of-Credit advance to your Share, Kids Accounts, Checking, Member Choice or Money Market Accounts. (6) Make a Line-of-Credit cash advance. (7) Make deposits to your Share, Kids Accounts, Checking, Member Choice, Money Market and IRA Accumulator Accounts. Deposits may be subject to depository proof verification. Some of these services may not be available at all terminals. You may not use your Card for any illegal or unlawful transaction, and we may decline to authorize any transaction that we believe poses an undue risk of illegality or unlawfulness. (b) Telephone Teller and ONLINE BANKING. You may use your PIN to: (1) Transfer funds between your accounts. (2) Transfer funds from another account on which you are a joint owner. (3) Transfer funds to another member s account from your account. (4) Transfer a Line-of-Credit advance, (if approved) to your Share, Kids Account, Member Choice, Checking or Money Market Accounts.

3 (5) Request a Credit Union check be issued from your account payable to you to be mailed to your address as listed on the Credit Union system. (6) Place a stop payment order on a check you have written against your Credit Union Checking Account. (7) Reorder checks for your Checking Account. (8) Obtain cleared check information. (9) Obtain rates and annual percentage yields for share and deposit accounts. (10) Obtain loan annual percentage rates. (11) Make application for a loan. (12) Obtain an estimate of a loan payment for a proposed loan. (13) Obtain tax information on shares, deposits and loan accounts. (14) Make balance inquiries on your accounts. (15) Obtain a statement of recent transactions on your accounts. (Not available via Telephone Teller.) (16) Choose to receive e-statements only. (Not available via Telephone Teller.) (17) View and print copies of recently cleared checks. (Not available via Telephone Teller.) (c) Pre-authorized Transfers. Depending on our arrangement with you, you may make certain preauthorized transfers to or from your Accounts including: (1) Direct deposit of your payroll or other recurring types of deposits to your Checking, Share and Money Market Accounts. (2) Pre-authorized payment of certain types of recurring payments from your Checking, Share and Money Market Accounts. (3) Pre-authorized payment of certain types of recurring payments to your Checking, Share, Money Market, IRA and loan accounts. (d) ACH Represented Check Entries. You agree the Credit Union has the right to collect electronically, through the Automated Clearing House (ACH) Network, any deposits or loan payments to your Accounts drawn on another institution which are returned NSF. The Credit Union also has the right to collect, through the ACH Network, fees applicable to NSF returned checks. (e) Electronic Check Conversion and Electronic Returned Check Fees. If you pay for a purchase or service or bill payment with a check, you may authorize it to be converted to an ACH electronic fund transfer. You may also authorize merchants to electronically charge your account for returned check fees. You authorize these electronic funds transfers if you sign a written authorization or you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer will be processed electronically. 2. LIMITS ON TRANSFERS. (a) (1) With your ATM Card, you may withdraw and transfer available funds from your Accounts and make point-ofsale transactions up to a combined total of $1, each day. For security reasons, there may be times when we further limit this amount. (2) With your MasterCard Debit Card, you may withdraw and transfer available funds from your Accounts and make point-of-sale transactions up to a combined total of $2, each day. For security reasons, there may be times when we further limit this amount. In an effort to protect your card security and to prevent fraudulent transactions, please contact the credit union regarding account accessibility and usage of your card if you are planning to travel anywhere outside of the state of Texas. (b) During any statement period you may not make more than six (6) transfers from your Share, Member Choice or Money Market Account to another Account of yours at the Credit Union (other than for the purpose of making a loan payment), or to a third party by means of a preauthorized or automatic transfer (including overdraft protection transfers), check, draft, debit card (including point of sale (POS)) or similar order payable to third parties. If you exceed these transfer limitations your Share Overdraft service will be subject to cancellation, your Money Market check-writing privilege will be subject to cancellation, your POS access will be subject to cancellation, your ACH service will be subject to cancellation and your Account will be subject to closure. Transfers made at ATMs are exempt from these limits.

4 3. FEES. There is no charge for Telephone Teller and ONLINE BANKING transfers. NSF and stop payment fees as disclosed in your Truth-in-Savings Fee Schedule are applicable to pre-authorized transfers. There is no charge for the use of ATMs operated by the Credit Union. If you use an ATM that is not operated by the Credit Union, there will be a Credit Union fee as disclosed in your Truth-in-Savings Fee Schedule. In addition, you may be charged a fee by the operator of the ATM and/or by an automated transfer network, and you may be charged a fee for a balance inquiry even if you do not complete a funds transfer. If you make a transaction with your MasterCard Debit Card in a currency other than U.S. dollars, the rate of exchange between the transaction currency and the billing currency used for processing the transaction will be (1) a rate selected by MasterCard from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate MasterCard itself receives; or, (2) the government-mandated rate in effect for the applicable central processing date, in each instance, plus or minus any adjustments determined by the issuer. If MasterCard charges the Credit Union a 1% International Service Assessment for each foreign country transaction, the Credit Union will be passing this 1% fee on to you. 4. BUSINESS DAYS. Our business days are Monday through Friday. Holidays are not included. 5. DOCUMENTATION. (a) Terminal Transfers. You can get a receipt at the time you make any transfer greater than $15.00 to or from your Account using an automated teller machine or point-of-sale terminal. (b) Pre-authorized Transfers. If you have arranged to have direct deposits made to your Account at least once every sixty (60) days, either the person or company making the payment will tell you every time they send us the money, or you can call us at to find out if the deposit has been made. (c) Periodic Statements. You will get a monthly account statement on any Account having an electronic fund transfer. In any case, you will get a statement at least quarterly. 6. CONFIDENTIALITY. We will disclose information to third parties about your Account or the transfers you make: (a) Where it is necessary for completing transfers, or (b) In order to verify the existence and condition of your Account for a third party, such as a credit bureau or merchant, or (c) In order to comply with government agencies or court orders, or (d) If you give us your written permission. 7. TELEPHONE NUMBER AND ADDRESS TO NOTIFY CREDIT UNION IN EVENT OF UNAUTHORIZED TRANSFER. If you believe your CARD or PIN has been lost or stolen or that someone has transferred or may transfer money from your Account without your permission: (a) For Telephone Teller, ONLINE BANKING or ATM Transactions, call or (b) For Pre-authorized Transactions, call OR Write: CREDIT UNION OF TEXAS PO Box Dallas, Texas CONSUMER LIABILITY. Tell us AT ONCE if you believe your Card or PIN has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission. Telephoning us is the best way of keeping your possible losses down. If you promptly report the loss, theft, or unauthorized use of your Card or PIN once you become aware of it, your liability for unauthorized transfers is zero ($0). If you do NOT promptly report the loss, theft, or unauthorized use of your Card or PIN upon becoming aware of it, and we can prove we could have stopped someone from using your Card or PIN without your permission if you had promptly reported it to us, you could lose as much as $500. Also, if your statement shows electronic fund transfers that you did not make, including those made by Card, PIN, or by other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not be reimbursed for any money you lost after the close of the 60-day period and before you notified us if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a hospital stay) kept you from telling us, we will consider a reasonable extension of the time periods. We may also require a written statement from you regarding the unauthorized use.

5 Under MasterCard zero liability rules, if your MasterCard Debit Card is lost or stolen, your liability for unauthorized Card transactions, including non-pin based transactions and PIN based point of sale (POS) and ATM transactions, is zero ($0) provided you have exercised reasonable care in safeguarding your Card from risk of loss or theft and, upon becoming aware of the loss or theft, you promptly reported the loss or theft to us. To qualify for the zero liability limitation, you MUST give prompt and proper notice of the loss, theft, or unauthorized use. If we determine that the unauthorized use you have reported involving your MasterCard Debit Card Account is not covered under this paragraph, your liability will be determined under the preceding paragraph. 9. CREDIT UNION LIABILITY. If we do not complete a transfer to or from your Account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will NOT be liable, for instance If, through no fault of ours, you do not have enough money in your Account to make the transfer. If the automated teller machine where you are making the transfer does not have enough cash. If the automated teller machine or system was not working properly and you knew about the breakdown when you started the transfer. If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken. There may be other exceptions stated in our Agreement with you. 10. RIGHT TO STOP PAYMENT OF PREAUTHORIZED TRANSFERS, PROCEDURE FOR DOING SO, RIGHT TO RECEIVE NOTICE OF VARYING AMOUNTS AND CREDIT UNION S LIABILITY FOR FAILURE TO STOP PAYMENT (a) Right to Stop Payment and Procedure for Doing So. If you have told us in advance to make regular payments out of your Account, you can stop any of these payments. Here s how: Telephone us at or write us at PO Box , Dallas, Texas in time for us to receive your request three business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 24 hours after you call. There will be a charge for each stop payment order you give. Please refer to our Truth-in-Savings Fee Schedule which accompanies this Agreement, for fees in connection with your stop payment orders. (b) Notice of Varying Amounts. If these regular payments may vary in amount, the person or company you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be. You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set. (c) Liability for Failure to Stop Payment of Pre-Authorized Transfer. If you order us to stop one of these payments three business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages. 11. IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. Telephone us at or , or write us at PO Box , Dallas, Texas as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. You should also call the number or write to the address listed above if you believe a transfer has been made using the information from a check you wrote without your permission. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. (1) Tell us your name and account number. (2) Describe the error, or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

6 (3) Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will tell you the results of our investigation within 10 business days after we hear from you (20 business days for point-of-sale debit card transactions, transfers initiated outside of the United States, or transfers that occurred within 30 days after the first deposit to the account was made) and will correct any error promptly. However, If we need more time to investigate your complaints or questions, we may take up to 45 days (90 days for point-of-sale debit card transactions, transfers initiated outside of the United States, or transfers that occurred within 30 days after the first deposit to the account was made) to resolve the matter. If we decide that we need more time, we will provisionally credit your account within 10 business days (20 business days for point-of-sale debit card transactions, transfers initiated outside of the United States, or transfers that occurred within 30 days after the first deposit to the account was made) for the amount you think is in error, so that you will have the use of the money during the time it takes for us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not provide provisional credit to your account. We will tell you the results within 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

Electronic Funds Transfer Agreement and Disclosures

Electronic Funds Transfer Agreement and Disclosures Electronic Funds Transfer Agreement and Disclosures ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURES Agreement 1. Issuance of Card or Personal Identification Number. In this Agreement and Disclosures

More information

ELECTRONIC FUNDS TRANSFER

ELECTRONIC FUNDS TRANSFER ELECTRONIC FUNDS TRANSFER Ledyard National Bank Main Street Hanover Office 38 S Main St Hanover, NH 03755 June 25, 2012 This disclosure contains information about terms, fees, and interest rates for some

More information

Know Your Rights and Responsibilities Electronic Funds Transfer Disclosure

Know Your Rights and Responsibilities Electronic Funds Transfer Disclosure Know Your Rights and Responsibilities Electronic Funds Transfer Disclosure 100 East Water Street Sandusky, OH 44870 ELECTRONIC FUND TRANSFERS Your Rights and Responsibilities Indicated below are types

More information

Regulation E Disclosure

Regulation E Disclosure Regulation E Disclosure Electronic fund Transfers Your rights and Responsibilities The Electronic Fund Transfers we are capable of handling for consumers are indicated below, some of which may not apply

More information

ELECTRONIC FUNDS TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES

ELECTRONIC FUNDS TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES ELECTRONIC FUNDS TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account. Please read this

More information

Electronic Fund Transfers Disclosure

Electronic Fund Transfers Disclosure Electronic Fund Transfers Disclosure The Electronic Fund Transfers we are capable of handling for consumers are indicated below, some of which may not apply to your account. Some of these may not be available

More information

Debit MasterCard Electronic Funds Disclosure and Agreement

Debit MasterCard Electronic Funds Disclosure and Agreement Debit MasterCard Electronic Funds Disclosure and Agreement This Disclosure/Agreement governs the use of electronic funds transfer services (EFT services) available to you from the Canton School Employees

More information

DEBIT MASTERCARD AGREEMENT Revision 10-27-10

DEBIT MASTERCARD AGREEMENT Revision 10-27-10 Please read this disclosure carefully because it tells you your rights and obligation concerning Electronic Fund Transfers and your Debit MasterCard. You should keep this disclosure for further reference.

More information

IMPORTANT ACCOUNT INFORMATION FOR OUR CUSTOMERS from. The Roscoe State Bank 117 Cypress St. Roscoe, TX 79545 (325)766-3311

IMPORTANT ACCOUNT INFORMATION FOR OUR CUSTOMERS from. The Roscoe State Bank 117 Cypress St. Roscoe, TX 79545 (325)766-3311 IMPORTANT ACCOUNT INFORMATION FOR OUR CUSTOMERS from The Roscoe State Bank 117 Cypress St. Roscoe, TX 79545 (325)766-3311 ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES Indicated below are

More information

IMPORTANT ACCOUNT INFORMATION FOR OUR CUSTOMERS from

IMPORTANT ACCOUNT INFORMATION FOR OUR CUSTOMERS from IMPORTANT ACCOUNT INFORMATION FOR OUR CUSTOMERS from The First National Bank of Throckmorton 210 N. Minter Ave. P.O. Box 399 Throckmorton, TX 76483-0399 (940)849-2561 ELECTRONIC FUND TRANSFERS YOUR RIGHTS

More information

FIRST FINANCIAL BANK, N.A. DEBIT CARD AGREEMENT EFFECTIVE AUGUST 1, 2013 ATM/VISA CHECK CARD TERMS AND CONDITIONS

FIRST FINANCIAL BANK, N.A. DEBIT CARD AGREEMENT EFFECTIVE AUGUST 1, 2013 ATM/VISA CHECK CARD TERMS AND CONDITIONS DEBIT CARD AGREEMENT EFFECTIVE AUGUST 1, 2013 IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT The USA PATRIOT Act has paved the way for financial institutions to help fight the funding

More information

ATM Card Application

ATM Card Application ATM Card Application Name Tax ID Date of Birth Address City, State, Zip Phone I wish to access the following accounts with my ATM Card. I understand that only the account I have designated as "primary"

More information

Electronic Funds Transfer

Electronic Funds Transfer Electronic Funds Transfer Types of Transfers, Frequency and Dollar Limitations Prearranged Transfers Preauthorized Credits. You may make arrangements for certain direct deposits to be accepted into your

More information

THE LOCAL FEDERAL CREDIT UNION ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE

THE LOCAL FEDERAL CREDIT UNION ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE THE LOCAL FEDERAL CREDIT UNION ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE This Electronic Funds Transfer Agreement is the contract which covers your and our rights and responsibilities concerning

More information

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Electronic Fund Transfers we are capable of handling are indicated below, some of which may not apply to your account. Direct Deposits you

More information

Contact information for account assistance is listed on the last page of this brochure. Please read the following terms and conditions carefully.

Contact information for account assistance is listed on the last page of this brochure. Please read the following terms and conditions carefully. 2014 ELECTRONIC FUND TRANSFER DISCLOSURES AND AGREEMENT The following disclosures and agreement ( Disclosures and Agreement ) describe your rights, protection, and liabilities as a consumer, pursuant to

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

INDEPENDENCE BANK P 0 BOX 988 OWENSBORO KY 42302 270-686-1776 ELECTRONIC FUND TRANSFER DISCLOSURE

INDEPENDENCE BANK P 0 BOX 988 OWENSBORO KY 42302 270-686-1776 ELECTRONIC FUND TRANSFER DISCLOSURE INDEPENDENCE BANK P 0 BOX 988 OWENSBORO KY 42302 270-686-1776 ELECTRONIC FUND TRANSFER DISCLOSURE For purposes of this disclosure the terms "we", "us" and our refer to INDEPENDENCE BANK The terms "you"

More information

Merchants Bank, National Association With our corporate office located at: 102 East Third St, Winona, MN 55987, 507-457-1100, toll-free 800-944-6285

Merchants Bank, National Association With our corporate office located at: 102 East Third St, Winona, MN 55987, 507-457-1100, toll-free 800-944-6285 Electronic Funds Transfer Disclosure Merchants Bank, National Association With our corporate office located at: 102 East Third St, Winona, MN 55987, 507-457-1100, toll-free 800-944-6285 All locations:

More information

VERITY CREDIT UNION VISA CHECK/ATM CARD AGREEMENT AND DISCLOSURE

VERITY CREDIT UNION VISA CHECK/ATM CARD AGREEMENT AND DISCLOSURE VERITY CREDIT UNION VISA CHECK/ATM CARD AGREEMENT AND DISCLOSURE This Agreement is the contract which covers you and our rights and responsibilities concerning VISA Check and ATM Card services offered

More information

Pulaski Bank. www.pulaskibankstl.com. Electronic Funds Transfer ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE

Pulaski Bank. www.pulaskibankstl.com. Electronic Funds Transfer ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE www.pulaskibankstl.com Electronic Funds Transfer ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE For purposes of this disclosure and agreement the terms "we", "us" and "our" refer to. The terms "you"

More information

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account. Please read this

More information

NORTHPOINTE BANK. Northpointe Liquid High Yield Money Market Account

NORTHPOINTE BANK. Northpointe Liquid High Yield Money Market Account NORTHPOINTE BANK Northpointe Liquid High Yield Money Market Account ELECTRONIC FUND TRANSFERS The terms and conditions in this agreement are in addition to those that apply to any deposit or credit account

More information

IMPORTANT ACCOUNT INFORMATION FOR OUR CUSTOMERS from. First National Bank 729 W 7th (Home Office) SPEARMAN, TX 79081 (806)659-5544

IMPORTANT ACCOUNT INFORMATION FOR OUR CUSTOMERS from. First National Bank 729 W 7th (Home Office) SPEARMAN, TX 79081 (806)659-5544 IMPORTANT ACCOUNT INFORMATION FOR OUR CUSTOMERS from First National Bank 729 W 7th (Home Office) SPEARMAN, TX 79081 (806)659-5544 ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES Indicated below

More information

Frontier State Bank ELECTRONIC FUNDS TRANSFER

Frontier State Bank ELECTRONIC FUNDS TRANSFER Frontier State Bank ELECTRONIC FUNDS TRANSFER YOUR DEISCLOSURE STATEMENT AND AGREEMENT FOR TRANSFUND CARD, DEBIT CARD AND OTHER ELECTRONIC FUND TRANSFER SERVICES This is a Disclosure Statement and Agreement

More information

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES "NOTICE REGARDING ATM FEES BY OTHERS (a) If you use an automated teller machine that is not operated by us, you may be charged a fee by the operator

More information

Regulation E Electronic Funds Transfer Agreement & Disclosure

Regulation E Electronic Funds Transfer Agreement & Disclosure Regulation E Electronic Funds Transfer Agreement & Disclosure This Agreement and Disclosure is made in compliance with federal law regulating electronic funds transfer (EFT) services. Electronic Funds

More information

VISA Check Card Agreement & Disclosure Statement

VISA Check Card Agreement & Disclosure Statement VISA Check Card Agreement & Disclosure Statement In this Agreement and Disclosure Statement ( Agreement ), the words you and your mean each and all those who agree to be bound by this Agreement; Card means

More information

Burke and Herbert Bank 100 S. Fairfax Street Alexandria, VA 22314 (703) 684-1655 www.burkeandherbertbank.com ELECTRONIC FUND TRANSFER DISCLOSURE

Burke and Herbert Bank 100 S. Fairfax Street Alexandria, VA 22314 (703) 684-1655 www.burkeandherbertbank.com ELECTRONIC FUND TRANSFER DISCLOSURE Burke and Herbert Bank 100 S. Fairfax Street Alexandria, VA 22314 (703) 684-1655 www.burkeandherbertbank.com ELECTRONIC FUND TRANSFER DISCLOSURE For purposes of this disclosure the terms "we", "us" and

More information

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account. Please read this

More information

Visa Debit Card Agreement and Disclosures

Visa Debit Card Agreement and Disclosures www.starone.org Visa Debit Card Agreement and Disclosures 1. Definition of Parties 2. Agreement Acceptance 3. Sign Your Card 4. Account Access 5. Electronic Check Transactions 6. Illegal or Unlawful Transactions

More information

*DD8108* ELECTRONIC FUND TRANSFER DISCLOSURE

*DD8108* ELECTRONIC FUND TRANSFER DISCLOSURE ELECTRONIC FUND TRANSFER DISCLOSURE For purposes of this disclosure the terms "we", "us" and "our" refer to Central National Bank. The terms "you" and "your" refer to the recipient of this disclosure.

More information

Benton State Bank Shullsburg Community Bank Tennyson/Potosi Community Bank 42 W Main PO Box 27 Benton WI 53803 608-759-3600/608-965-3600/608-763-3600

Benton State Bank Shullsburg Community Bank Tennyson/Potosi Community Bank 42 W Main PO Box 27 Benton WI 53803 608-759-3600/608-965-3600/608-763-3600 Shullsburg Community Bank Tennyson/Potosi Community Bank 42 W Main PO Box 27 /608-965-3600/608-763-3600 Direct Deposit and Preauthorized Withdrawals New Information Regarding Your Account Agreement ELECTRONIC

More information

FUNDS AVAILABILITY POLICY DISCLOSURE

FUNDS AVAILABILITY POLICY DISCLOSURE FUNDS AVAILABILITY POLICY DISCLOSURE YOUR ABILITY TO WITHDRAW FUNDS AT BLUE RIDGE BANK AND TRUST CO. Our policy is to make funds from your cash and check deposits available to you on the same business

More information

REGULATION E DISCLOSURE

REGULATION E DISCLOSURE MIDLAND NATIONAL BANK 527 N MAIN STREET PO BOX 427 NEWTON KS 67114 (316)283 1700 REGULATION E DISCLOSURE ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE For purposes of this disclosure and agreement

More information

DEBIT CARD & ELECTRONIC FUNDS TRANSFER DISCLOSURE

DEBIT CARD & ELECTRONIC FUNDS TRANSFER DISCLOSURE DEBIT CARD & ELECTRONIC FUNDS TRANSFER DISCLOSURE The purpose of this Disclosure Statement is to make you aware of your rights and responsibilities when using our Debit Card and Electronic Funds Transfer

More information

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account. Please read this

More information

PO Box 8300 Columbus, MS 39705. (662) 434-6052 (800) 434-6052 Fax: (662) 434-8406 www.trianglefcu.com

PO Box 8300 Columbus, MS 39705. (662) 434-6052 (800) 434-6052 Fax: (662) 434-8406 www.trianglefcu.com PO Box 8300 Columbus, MS 39705 (662) 434-6052 (800) 434-6052 www.trianglefcu.com ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement is the contract which covers

More information

ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE Arvest Bank ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE The federal Electronic Fund Transfer Act and Regulation E require institutions to provide certain information to consumers regarding electronic

More information

Electronic Funds Transfer Your Rights and Responsibilities From Security First Bank 5505 Red Rock Lane Lincoln, NE 68516

Electronic Funds Transfer Your Rights and Responsibilities From Security First Bank 5505 Red Rock Lane Lincoln, NE 68516 Electronic Funds Transfer Your Rights and Responsibilities From Security First Bank 5505 Red Rock Lane Lincoln, NE 68516 Indicated below are types of Electronic Fund Transfers we are capable of handling,

More information

ATM/DEBIT CARD APPLICATION

ATM/DEBIT CARD APPLICATION ATM/DEBIT CARD APPLICATION Application and Member Information Account No. Member Name Street City/State/Zip Home Phone Work Phone Joint Owner Street City/State/Zip Joint Owner Information (If applicable)

More information

IMPORTANT ACCOUNT INFORMATION FOR OUR CUSTOMERS from

IMPORTANT ACCOUNT INFORMATION FOR OUR CUSTOMERS from IMPORTANT ACCOUNT INFORMATION FOR OUR CUSTOMERS from First Security Bank of Deer Lodge 311 Milwaukee Ave P.O. Box 629 Deer Lodge, MT 59722 (406)846-2300 ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES

More information

ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE

ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE This Electronic Funds Transfer Agreement is the contract which covers your and our rights and responsibilities concerning the electronic funds transfer

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

DEBIT CARD AGREEMENT AND DISCLOSURE

DEBIT CARD AGREEMENT AND DISCLOSURE DEBIT CARD AGREEMENT AND DISCLOSURE This Debit Card Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the debit card services offered to you by Front

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

DEBIT CARD AGREEMENT AND DISCLOSURE

DEBIT CARD AGREEMENT AND DISCLOSURE DEBIT CARD AGREEMENT AND DISCLOSURE Your Rights and Responsibilities The purpose of this disclosure is to make you aware of your rights and responsibilities when using our Debit Card. You have applied

More information

Abington Bank 6 Harrison Avenue Abington, MA 02351 781 878 0045 TheAbingtonBank.com ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE

Abington Bank 6 Harrison Avenue Abington, MA 02351 781 878 0045 TheAbingtonBank.com ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE Abington Bank 781 878 0045 TheAbingtonBank.com ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE For purposes of this disclosure and agreement the terms "we", "us" and "our" refer to Abington Bank. The

More information

Application for Bank of Pontiac NetTeller Services Internet Banking and Bill Pay

Application for Bank of Pontiac NetTeller Services Internet Banking and Bill Pay Application for Bank of Pontiac NetTeller Services Internet Banking and Bill Pay Please print, complete, and bring this form to any Bank of Pontiac location. You will receive your User ID and PIN via regular

More information

FUNDS TRANSFER AGREEMENT AND DISCLOSURES

FUNDS TRANSFER AGREEMENT AND DISCLOSURES REG E DISCLOSURE This disclosure contains information about terms, fees, and interest rates for some of the accounts we offer. ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURES This form complies with

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

Huron Community Bank 301 Newman Street Po Box 312, East Tawas, MI 48730-0312. Electronic Funds Transfer Disclosure

Huron Community Bank 301 Newman Street Po Box 312, East Tawas, MI 48730-0312. Electronic Funds Transfer Disclosure Huron Community Bank 301 Newman Street Po Box 312, East Tawas, MI 48730-0312 Electronic Funds Transfer Disclosure Electronic Fund Transfers Your Rights and Responsibilities The Electronic Fund Transfers

More information

ELECTRONIC FUNDS TRANSFER SERVICES DISCLOSURES

ELECTRONIC FUNDS TRANSFER SERVICES DISCLOSURES ELECTRONIC FUNDS TRANSFER SERVICES DISCLOSURES The disclosures provided below apply only to electronic fund transfers to or from your Wings share, checking, savings, money market or other consumer asset

More information

1. EFT Services. If approved, you may conduct any one or more of the EFT services offered by the Credit Union.

1. EFT Services. If approved, you may conduct any one or more of the EFT services offered by the Credit Union. ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE This Electronic Funds Transfer Agreement is the contract which covers your and our rights and responsibilities concerning the electronic funds transfer

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

Independent Bank 230 W Main St Ionia, MI 48846 800.300.3193 www.independentbank.com ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE

Independent Bank 230 W Main St Ionia, MI 48846 800.300.3193 www.independentbank.com ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE 230 W Main St Ionia, MI 48846 800.300.3193 www.independentbank.com ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE For purposes of this disclosure and agreement the terms "we", "us" and "our" refer to

More information

ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE

ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE This Electronic Funds Transfer Agreement is the contract which covers your and our rights and responsibilities concerning the electronic funds transfer

More information

ELECTRONIC FUNDS TRANSFER SERVICES PROVIDED

ELECTRONIC FUNDS TRANSFER SERVICES PROVIDED 411 McMurray Road Bethel Park, PA 15102 Phone: (412) 409-2265 ELECTRONIC FUNDS TRANSFERS-REGULATION E YOUR RIGHTS AND RESPONSIBILITIES For purposes of this disclosure the terms "we", "us" and "our" refer

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement is the contract which covers your and our rights and responsibilities concerning the electronic fund transfers

More information

ELECTRONIC FUNDS TRANSFERS AGREEMENT YOUR RIGHTS AND RESPONSIBILITIES

ELECTRONIC FUNDS TRANSFERS AGREEMENT YOUR RIGHTS AND RESPONSIBILITIES ELECTRONIC FUNDS TRANSFERS AGREEMENT YOUR RIGHTS AND RESPONSIBILITIES Indicated below are types of Electronic Funds Transfers we are capable of handling, some of which may not apply to your account. Please

More information

Electronic Funds Transfer Agreement and Disclosure

Electronic Funds Transfer Agreement and Disclosure Electronic Funds Transfer Agreement and Disclosure This Electronic Funds Transfer Agreement is the contract which covers your and our rights and responsibilities concerning the electronic funds transfer

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

IMPORTANT ACCOUNT INFORMATION FOR OUR CUSTOMERS from. State Bank 25 North Chestnut Ave New Hampton, IA 50659-0070 (319)352-6000

IMPORTANT ACCOUNT INFORMATION FOR OUR CUSTOMERS from. State Bank 25 North Chestnut Ave New Hampton, IA 50659-0070 (319)352-6000 IMPORTANT ACCOUNT INFORMATION FOR OUR CUSTOMERS from State Bank 25 North Chestnut Ave New Hampton, IA 50659-0070 (319)352-6000 ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES Indicated below

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

FUNDS AVAILABILITY POLICY. This Disclosure describes your ability to withdraw funds at Westerra Credit Union.

FUNDS AVAILABILITY POLICY. This Disclosure describes your ability to withdraw funds at Westerra Credit Union. FUNDS AVAILABILITY POLICY This Disclosure describes your ability to withdraw funds at Westerra Credit Union. 1. General Policy. Our policy is to make funds from your cash and check deposits available to

More information

Electronic Funds Transfer Disclosure Electronic Fund Transfers

Electronic Funds Transfer Disclosure Electronic Fund Transfers Electronic Funds Transfer Disclosure Electronic Fund Transfers Your Rights and Responsibilities 4040 42nd St. SW, Suite O Fargo, ND 58104 PHONE: (701) 364-9050 Indicated below are the types of Electronic

More information

Bank of Nebraska 7223 South 84th Street La Vista, NE 68128 (402) 331-8550 ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE

Bank of Nebraska 7223 South 84th Street La Vista, NE 68128 (402) 331-8550 ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE Bank of Nebraska 7223 South 84th Street La Vista, NE 68128 ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE For purposes of this disclosure and agreement the terms "we", "us" and "our" refer to Bank of

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

Arlington Community Federal Credit Union P.O. Box 40070 Arlington, VA 22204-7070 (703) 526-0200

Arlington Community Federal Credit Union P.O. Box 40070 Arlington, VA 22204-7070 (703) 526-0200 Arlington Community Federal Credit Union P.O. Box 40070 Arlington, VA 22204-7070 (703) 526-0200 ELECTRONIC FUNDS TRANSFER AGREEMENT and DISCLOSURE - REG E This Electronic Funds Transfer Agreement and Disclosure

More information

CONSUMER ELECTRONIC FUNDS TRANSFER AND DEBIT CARD AGREEMENT

CONSUMER ELECTRONIC FUNDS TRANSFER AND DEBIT CARD AGREEMENT We, us and our refer to. CONSUMER ELECTRONIC FUNDS TRANSFER AND DEBIT CARD AGREEMENT You and your apply to any individual who has an Account with us and is authorized to initiate the applicable EFTs. Account

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

"You" and "your" mean the account holder(s) and anyone else with authority to deposit, withdraw, or exercise control over the funds in the account.

You and your mean the account holder(s) and anyone else with authority to deposit, withdraw, or exercise control over the funds in the account. FIRST BANK KANSAS Information about Electronic Fund Transfers The Electronic Fund Transfer Act and Regulation E require banks to provide certain information to customers regarding electronic fund transfer

More information

Electronic Funds Transfer Disclosure Agreement

Electronic Funds Transfer Disclosure Agreement Electronic Funds Transfer Disclosure Agreement Your use of any EFT service offered by the Bank will be governed by this Disclosure and by any separate agreement or disclosure that also applies to the EFT

More information

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account. Please read this

More information

Electronic Fund Transfer Services and Member Agreement Notice Regarding Electronic Fund Transfer Services

Electronic Fund Transfer Services and Member Agreement Notice Regarding Electronic Fund Transfer Services Electronic Fund Transfer Services and Member Agreement Notice Regarding Electronic Fund Transfer Services ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE This Electronic Funds Transfer Agreement is

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE

ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE This Electronic Funds Transfer Agreement is the contract which covers your and our rights and responsibilities concerning the electronic funds transfer

More information

ATM Information / Electronic Services / VISA Check Card ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ATM Information / Electronic Services / VISA Check Card ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ATM Information / Electronic Services / VISA Check Card ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and

More information

UNIVERSITY FEDERAL CREDIT UNION ABILITY CARD TERMS AND CONDITIONS

UNIVERSITY FEDERAL CREDIT UNION ABILITY CARD TERMS AND CONDITIONS UNIVERSITY FEDERAL CREDIT UNION ABILITY CARD TERMS AND CONDITIONS Please keep these Terms and Conditions handy and refer to them when you need to. And remember, whenever you have a question, you can call

More information

ATM Card. Select Checking. Basic Checking

ATM Card. Select Checking. Basic Checking MEMBER AGREEMENT Your acceptance and/or use of the VISA Debit Card or the ATM Card or allowing anyone to use the Card constitutes your agreement to all of the following terms and you will be responsible

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE WITH APPLICATION

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE WITH APPLICATION ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE WITH APPLICATION This Electronic Fund Transfers Agreement is the contract which covers your and our rights and responsibilities concerning the electronic

More information

Prairie State Bank & Trust ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES

Prairie State Bank & Trust ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES Prairie State Bank & Trust ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Electronic Fund Transfers Prairie State Bank & Trust (referred to as Bank, we, our, or us ) is capable of handling

More information

ELECTRONIC FUNDS TRANSFER AND DISCLOSURE

ELECTRONIC FUNDS TRANSFER AND DISCLOSURE 135 Raritan Center Parkway Ph: 732.225.1505 Fax: 732.225.4572 www.pinnaclefcu.com ELECTRONIC FUNDS TRANSFER AND DISCLOSURE This Electronic Funds Transfer Agreement is the contract which covers your and

More information

electronic fund Transfers agreement and disclosure 1. eft services a. Visa Check Card (used as an atm Card).

electronic fund Transfers agreement and disclosure 1. eft services a. Visa Check Card (used as an atm Card). ELECTRONIC FUND TRANSFERs AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement is the contract which covers your and our rights and responsibilities concerning the electronic funds transfer

More information

Prairie State Bank & Trust ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES

Prairie State Bank & Trust ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES Prairie State Bank & Trust ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Electronic Fund Transfers Prairie State Bank & Trust (referred to as Bank, we, our, or us ) is capable of handling

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

Ascentra Credit Union ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE

Ascentra Credit Union ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE Ascentra Credit Union ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE This Electronic Funds Transfer Agreement is the contract which covers your and our rights and responsibilities concerning the electronic

More information

ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE

ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE This Electronic Funds Transfer Agreement is the contract which covers your and our rights and responsibilities concerning the electronic funds transfer

More information

Electronic Fund Transfers Agreement and Disclosure

Electronic Fund Transfers Agreement and Disclosure 191 Ella Grasso Turnpike P.O. Box 273 (860) 627-4200 (860) 544-4728 Fax: (860) 627-4224 www.360fcu.org Electronic Fund Transfers Agreement and Disclosure This Electronic Fund Transfers Agreement is the

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Funds Transfer Agreement is the contract which covers your and our rights and responsibilities concerning the electronic funds transfer

More information

ELECTRONIC FUND TRANFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers you and our rights and responsibilities concerning the electronic

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE WITH APPLICATION

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE WITH APPLICATION ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE WITH APPLICATION This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning

More information

H. ELECTRONIC FUNDS TRANSFERS

H. ELECTRONIC FUNDS TRANSFERS H. ELECTRONIC FUNDS TRANSFERS This part of this Agreement contains important information about some of our electronic banking services. The terms of this part include the instructions and other material

More information

ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE

ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE This Electronic Funds Transfer Agreement is the contract which covers your and our rights and responsibilities concerning the electronic funds transfer

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

Electronic Funds Transfer Disclosures

Electronic Funds Transfer Disclosures Electronic Funds Transfer Disclosures 214 Oil Well Road Jackson, TN 38305 PH: 731-664-1784 TF: 1-800-227-1893 www.leaderscu.com The following disclosures set forth your and our rights and responsibilities

More information

FEDERAL ELECTRONIC FUND TRANSFER DISCLOSURES

FEDERAL ELECTRONIC FUND TRANSFER DISCLOSURES FEDERAL ELECTRONIC FUND TRANSFER DISCLOSURES IMPORTANT INFORMATION for our customers who have authorized electronic fund transfers: The Federal Electronic Fund Transfer Act and regulations adopted thereunder

More information

ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE

ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE This Electronic Funds Transfer Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information