DPAACI (51002B)-e
overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the
Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may
use your card and personal identification number (PIN) in ATMs of the Credit Union, CU$, Visa, Mastercard, STAR networks,
and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a
PIN for certain transactions on the Visa and STAR networks. However, provisions of this Agreement relating only to Visa debit
transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions
processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or
swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network.
At the present time, you may also use your card to:
- Make deposits to your savings and checking accounts.
- Withdraw funds from your savings and checking accounts.
- Transfer funds from your savings and checking accounts.
- Obtain balance information for your savings and checking accounts.
- Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or
services at merchants that accept Visa.
- Order goods or services by mail or telephone from places that accept Visa.
The following limitations on Visa Check Card transactions may apply:
- You may make ten (10) free PIN based transactions in any one (1) month for Value, Preferred and Fresh Start checking
accounts.
- Maximum ATM and PIN transactions in any one (1) day of $400.00 for Vision and Value checking accounts, $800.00 for
Preferred checking accounts, $100.00 for Fresh Start checking accounts and $2,000.00 for Value, Preferred and Elite
checking accounts, if there are sufficient available funds in your account.
- Maximum purchase (signature based) amount $500.00 for Fresh Start checking and $2,000.00 for Value, referred and
Elite checking accounts, if there are sufficient available funds in your account.
- For security purposes, there are other limits on the frequency and amount of transfers available at ATMs.
- You may transfer up to the available balance in your accounts at the time of the transfer.
- See Section 2 for transfer limitations that may apply to these transactions.
Card Information Updates and Authorizations. If you have authorized a merchant to bill charges to your card on a recurring
basis, it is your responsibility to notify the merchant in the event your card is replaced, your card information (such as card
number and expiration date) changes, or the account associated with your card is closed. However, if your card is replaced or
card information changes, you authorize us, without obligation on our part, to provide the updated card information to the
merchant in order to permit the merchant to bill recurring charges to the card. You authorize us to apply such recurring
charges to the card until you notify us that you have revoked authorization for the charges to your card.
Your card is automatically enrolled in an information updating service. Through this service, your updated card information
(such as card number and expiration date) may be shared with participating merchants to facilitate continued recurring
charges. Updates are not guaranteed before your next payment to a merchant is due. You are responsible for making direct
payment until recurring charges resume. To revoke your authorization allowing us to provide updated card information to a
merchant, please contact us.
c. Health Savings Account Visa Check Card. If you will be using your Visa® debit card to access a Health Savings
Account (HSA), portions of this Agreement governed by Regulation E will not apply. A HSA account is defined by the IRS as a
trust account, and therefore is not covered under Regulation E. But portions of this Agreement, such as Visa zero liability
provisions for unauthorized use for example, do apply. Funds to cover your card purchases will be deducted from your Health
Savings account. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, networks, and
such other machines or facilities as the Credit Union may designate.
At the present time, you may also use your card to:
- Withdraw funds from your Health Savings accounts.
- Transfer funds from your Health Savings accounts.
- Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or
services at merchants that accept Visa.
- Order goods or services by mail or telephone from places that accept Visa.
The following limitations on Health Savings Account Visa Check Card transactions may apply:
- Maximum ATM withdrawal and POS transactions per day of $400.00, if there are sufficient available funds in your
account.
- Maximum purchase (signature based) amount of $2,000.00, if there are sufficient available funds in your account.
- For security purposes, there are other limits on the frequency and amount of transfers available at ATMs.
- You may transfer up to the available balance in your accounts at the time of the transfer.
- See Section 2 for transfer limitations that may apply to these transactions.
Card Information Updates and Authorizations. If you h
ave authorized a merchant to bill charges to your card on a recurring
basis, it is your responsibility to notify the merchant in the event your card is replaced, your card information (such as card