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ATM Card Disclosure |
January 2004
The following terms and conditions governing your ATM Card (the
“Card”) constitute a mutually protective service agreement between
you and Travis Credit Union (the “Credit Union”). Your acceptance,
retention, or use of the Travis Credit Union ATM Card constitutes an
agreement between you and the Credit Union. You continue to be bound
for all transactions resulting from the use of the card until you
give the Credit Union written notice of termination of the account
and return the card to the Credit Union.
ELIGIBILITY REQUIREMENTS
To be eligible to apply for ATM Card services, you must:
• Be at least eighteen (18) years of age. (An ATM card may be issued
to a minor under 18 years of age if the minor has a valid ID and a
parent or guardian has signed authorizing the issuance of the card
and affirming that they take full responsibility and assume any
liability for use of the card by the minor.)
• Be a member in good standing with the Credit Union.
• Not have a record with ChexSystems, Inc., an account verification
service.
• Agree to authorize the Credit Union to obtain a credit report to
verify your satisfactory previous checking account and credit
history, and determine your eligibility for this service through a
national source of the Credit Union's choice.
• Qualify for the assigned cash withdrawal limit pre-designated for
the requested card.
ATM CARD HOLDER AGREEMENT
ATM Card Holders Hereby Agree:
• To abide by the rules as established by Travis Credit Union
relating to use of the ATM Card. These rules are binding upon you as
a cardholder.
• That the Credit Union may follow all instructions given by you for
a purchase transaction or for an ATM transaction.
• That the Card is the property of the Credit Union and will be
surrendered immediately to the Credit Union upon request.
• That your Personal Identification Number (PIN) is your security.
This PIN is known only by you; is confidential and should not be
disclosed to third parties or recorded on the card.
• That as a safeguard against unauthorized use of your Card at an
ATM, the ATM will not operate (and your card will be captured by the
ATM) if your PIN is incorrectly entered three (3) times in a row.
Should this happen, please contact the Credit Union during normal
business hours.
• If sufficient funds are not available in your account for the
amount obtained at an ATM or for a purchase, and your account
balance becomes overdrawn, the Credit Union reserves the right to
offset the amount of insufficient funds with your funds from any of
your other accounts at Travis Credit Union. If the account is held
jointly, use of the singular implies the plural.
• That your use of the Card when you do not have the available funds
in your specified account(s) and overdraft credit is unavailable can
result in the immediate cancellation of your Card without prior
notice. You must immediately deposit funds for any transaction that
resulted in a negative balance in your account(s).
• If you make an invalid ATM deposit, such as an empty envelope or a
check drawn on the same account you are depositing into, you will be
charged a significant invalid ATM Deposit fee and also risk losing
ATM privileges and possibly your account. Please refer to the
Schedule of Fees and Charges for the current invalid ATM deposit
fee.
• That the Credit Union may change the terms and conditions of this
disclosure by mailing written notice of the change to your address
as it appears on our records at least 30 calendar days before such
change is to become effective. However, prior notice need not be
given where an immediate change in terms is necessary to maintain
the security of your account.
• That the Credit Union may cancel your Card at any time without
notice.
• Any person who applied for the card, or signs the card, is equally
obligated (jointly and severally) with any other such person to meet
the terms of this agreement.
• If you remove your name from a joint account on which a card was
issued, you are still obligated for any transaction that took place
prior to you removing your name.
• You are also obligated to repay any charges resulting from the use
of the Card by another person with your express or implied
permission whether or not the person stays within the limits of use
set by you. The Credit Union will not be liable for withdrawals made
by family members.
• Any persons who use the card are also obligated to repay the
Credit Union for all such charges incurred because of their use of
the card.
• You remain bound to pay for charges under this Agreement even
though another person has been directed to pay the debt by agreement
or court order such as a divorce decree.
UNLAWFUL ACTIVITY AND INTERNET GAMBLING
You agree not to use any financial service provided by Travis Credit
Union, including without limitation any credit cards, ATM or check
cards, loan transactions, or share checking or savings accounts, for
any illegal or unlawful purpose. Any illegal or unlawful use of
Travis Credit Union financial services by you may, at the option of
the Credit Union, be deemed an event of default or breach of
contract with respect to the service(s) in question and your use of
such service(s) may be terminated or restricted. You agree to
defend, indemnify and hold Travis Credit Union harmless from and
against any and all claims, damages, lawsuits, liabilities, losses,
injuries and costs, including attorney fees, arising out of, caused
by, or related to your unlawful or illegal use of Travis Credit
Union financial services.
Internet gambling may be illegal or unlawful in the state, country
or other jurisdiction in which you are located or in which you
perform a transaction or use a Travis Credit Union financial
service, including an ATM or check card, VISA® or MasterCard®.
Display of a VISA®, MasterCard®, or other payment logo by an online
merchant does not mean that Internet gambling transactions are
lawful in the jurisdiction(s) in which you may be located.
Illegal or unlawful use of Travis Credit Union financial services by
you may also result in the suspension or termination of your Travis
Credit Union membership.
ESTABLISHING YOUR PERSONAL IDENTIFICATION NUMBER
(PIN)
Once an ATM Card application has been approved, you may select your
own PIN at any of our offices or we will mail to you a randomly
selected PIN.
The Credit Union maintains no record of your PIN.
A PIN can be changed by bringing the card to any branch office
during normal business hours for re-encoding.
The PIN must be used, together with your ATM Card, to conduct
transactions at ATMs and Point of Sale (POS) terminals.
AUTOMATED TELLER MACHINES (ATMs)
You may access your account with your ATM Card at any of Travis
Credit Union's ATMs which are generally available for your use seven
(7) days a week, twenty-four (24) hours a day. Please understand
that an ATM, like any machine, must periodically be shut down for
routine maintenance, inspection and repair.
For your convenience, you may also access your account for cash
worldwide at any machines displaying any of the symbols pictured on
the reverse of your card.
USING YOUR ATM CARD
If you are using your Card at a Travis Credit Union ATM, you can:
• Make deposits to your checking, savings and money market accounts.
• Make Travis loan payments.
• Transfer funds between your accounts at the Credit Union.
• Withdraw cash from your checking, savings and money market
accounts.
• Check your account balance.
All ATMs that we own and operate are identified as our machines and
display Travis Credit Union’s logo. If you are using an ATM that is
not owned or operated by Travis Credit Union, you can:
• Transfer funds between accounts at Travis Credit Union.
• Withdraw cash from your checking and savings. You may withdraw up
to your limit (some limitations may apply) per calendar day. Minimum
withdrawals are subject to machine limitations.
• Check your account balance.
• Make a deposit at any ATM displaying the "CO-OP or STAR DEPOSIT"
symbols.
You may also use your ATM Card (if linked to a checking account) to
pay for purchases at places that have agreed to accept ATM cards
(Point-of-Sale Transactions). If you only have a Prime Share Savings
Account linked to your ATM Card, your card cannot be used to make
Point-of-Sale (POS) purchases.
AVAILABILITY OF FUNDS
If you make a deposit after 8:00 p.m. at an ATM on a business day,
we will consider that the deposit was made on the next business day;
if you make a deposit on Saturday, Sunday or a legal holiday, we
will consider that the deposit was made on the next business day.
For purposes of availability of funds, business days are everyday
except Saturdays, Sundays and federal holidays
Funds from deposits made at any ATM are subject to verification and
may not be available for immediate withdrawal. Please see our Funds
Availability Disclosure Brochure for details.
CHARGES
There is no charge to use your Card at an ATM owned and operated by
Travis Credit Union. Please refer to the current Schedule of Fees &
Charges for overdraft charges and for our charges for machines not
owned by Travis Credit Union.
When you use an ATM not owned by us, you may be charged a fee by the
ATM operator and you may be charged a fee for a balance inquiry even
if you do not complete a fund transfer. In addition, there may be a
special charge for certain transactions performed at a Point of Sale
(POS) terminal or merchant. These charges are from the vendor or
financial institution used and are not charges of Travis Credit
Union.
LIMITATIONS ON FREQUENCY AND AMOUNT OF TRANSFER
ATM Withdrawals
Cash withdrawals from any ATM can be made as often as you like.
Provided there are sufficient funds in your account, you may
withdraw up to your daily limit per calendar day. (Minimum
withdrawal subject to machine limitations).
Point-of-Sale
Point-of-Sale withdrawals from a Checking Account may be subject to
limitations. If you only have a Share Savings Account linked to your
ATM Card, your card cannot be used to make Point-of-Sale purchases.
Overdraft
Overdrawn ATM Card withdrawals from a Checking Account will be
covered if your previously elected overdraft source contains
sufficient funds or an ample available credit limit.
Deposits
Deposits and payments made at a Travis Credit Union ATM will be
credited subject to verification upon opening the ATM and the Credit
Union’s actual collection of any non-cash item.
YOUR LIABILITY FOR UNAUTHORIZED USE
Tell us AT ONCE if you believe that your Card or PIN has been lost
or stolen, or your account has been charged for an amount that you
did not authorize. Telephoning is the best way of keeping your
possible losses down (please refer to the section entitled “HOW TO
CONTACT US” at the end of this disclosure). You could lose all the
money in your account plus your maximum overdraft line of credit.
If you believe that your card or PIN has been lost or stolen or that
your account has been charged for an amount you did not authorize,
and you tell us within two (2) business days after you learn of the
loss or theft, you can lose no more than $50, if someone used your
ATM Card and PIN without your permission.
However, if you DO NOT tell us within two (2) business days after
you learn of the unauthorized transfer or of the loss or the theft
of your Card and/or PIN, and we could have prevented further
unauthorized transfers or we could have stopped someone from using
your Card and/or PIN without your permission, you could lose as much
as $500.
Also, if your statement shows transfers that you did not make, tell
us at once. If you do not tell us within sixty (60) days after the
statement was mailed to you, you may not get any money you lost
after sixty (60) days, 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 long trip or a hospital stay) kept you
from telling us, we may extend the time periods.
Any person, who is permitted by you, either by express or implied
permission, to use your card would be able to withdraw all of the
money in your account. We refer to such persons as authorized users,
and you agree that all authorized users may withdraw funds from your
accounts with your card.
You are obligated to repay any charges resulting from the use of the
card by authorized users, whether or not the person stays within any
limits of use set by you.
IN CASE OF ERRORS OR QUESTIONS
Call or write us at the telephone numbers and address listed in the
“HOW TO CONTACT US” section of this disclosure, as soon as you can,
if you think that your statement or receipt is wrong or you need
more information about an ATM transaction, transfer or purchase
listed on the statement or receipt. We must hear from you no later
than sixty (60) days after we sent you the FIRST statement on which
the error or problem appeared. You will need to tell us:
1. Your name
2. Account number
3. Why you believe there is an error, and the dollar amount involved
4. The Merchant's name and address (if applicable)
5. The approximate date 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 determine whether an error has occurred within ten (10)
business days after we hear from you and will correct any error
promptly. If we need more time, however, we may take up to 45 days
to investigate your complaint or question. If we decide to do this,
we will credit your account within 10 business days (20 business
days if your account has been open for 30 days or less) for the
amount you think is in error so that you will have the use of the
money during the time it takes us to complete our investigation. If
the error concerns an electronic funds transfer that is (1) a
foreign-initiated transaction, (2) a point-of-sale transaction, or
(3) a transaction occurring within 30 days after the first deposit
is made to a new account, a 90-day investigation period will apply.
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 credit your
account.
We will tell you the results within three 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.
If you need more information about our error resolution procedures,
call or write us at the telephone numbers and address listed in the
“HOW TO CONTACT US” section of this disclosure.
OUR LIABILITY
Travis Credit Union shall be held liable to the member for all
damages caused in the case of a failure on our part. However, if the
action or failure to act was not intentional and resulted from a
good faith error, even though we maintain procedures reasonably
adapted to prevent such error, we shall be liable for only actual
damages proved.
Travis Credit Union's liability may arise 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 could be liable for your
losses or damages.
There are some exceptions to the extent of Travis Credit Union's
liability. We will not be liable, for instance:
• If, through no fault of ours, you do not have enough money in your
account to complete the electronic transaction and the transaction
would go over the credit limit of your personal line of credit, if
you have one, or the available balance in another account, which had
been previously designated as an overdraft source.
• If the funds in your account are subject to legal process or other
encumbrances restricting such transfer.
• If the ATM where you are making the transfer does not have enough
cash.
• If the terminal was not working properly and you knew about the
breakdown when you started the transfer.
• If circumstances beyond our control (such as fire, flood,
earthquake, labor disputes, power or computer failure) prevent the
electronic transaction from being completed, despite reasonable
precautions that we have taken.
• If our failure to complete the transaction is done to protect the
security of your account.
• If there are other lawful exceptions established by the Credit
Union and you are given proper advance notice of them.
In no event will the Credit Union be liable for consequential
indirect costs or damages.
The Credit Union will carry out instructions given to the ATM or to
us by written direction to implement a pre-authorized transfer. We
will not incur liability for doing so in a reasonable manner. You
agree to indemnify and hold the Credit Union harmless from all cost,
claims, damage, or liability which it sustains as a result of
carrying out instructions, received through an ATM, from the card
holder in a reasonable manner.
TERMINATION
The Credit Union reserves the right to discontinue ATM Card services
at any time, without prior notice, subject to applicable laws and
regulations. You may terminate your agreement(s) with the Credit
Union at any time by giving prior notice or by terminating your
membership.
COLLECTION EXPENSES
If the Credit Union has to file a lawsuit and obtains judgment to
collect what you owe us, you agree to pay the Credit Union's
expenses, including attorneys' fees, as may be determined by the
court.
DOCUMENTATION
All ATM Card transactions will be reported with your regular account
activity on a statement mailed to your address of record. For this
reason, always keep the Credit Union informed if your mailing
address changes. You will have the option to receive a receipt each
time you use your card. Always compare the receipt against your
account record and statement.
ACCOUNT INFORMATION DISCLOSURE
We will disclose information to third parties about your account or
the transfers you make:
• Where it is necessary to complete the transfers.
• In order to verify the existence or condition of your account for
a third party, such as a credit bureau.
• In order to comply with government agencies or court orders.
• If you give us your written permission.
Please refer to our Privacy Policy, which was provided to you
separately.
PROTECTING YOUR PRIVACY, YOUR CARD AND YOUR PIN
ATM Cards are convenient and make it much easier to get cash from
your account or purchase services or goods. Unfortunately they also
leave us more vulnerable to fraud, ID theft and other crimes.
Following a few simple tips may help to protect you.
• Memorize your PIN. Don’t write it on your card or anything you
carry in your wallet or purse. If your purse is stolen the thief
would have both your card and PIN.
• When you choose a PIN, don’t pick something obvious. Don’t make it
easy for the thief. For example, if your first name is “John” or
“Jane,” don’t use this as a PIN. Thieves try names; your name,
spouses’ names and even children’s and pets’ names.
• Protect your card just as you do your checkbook and credit cards.
• Don’t share your card or your PIN. You are responsible for all
activity on your account.
• Be sure to take your card and any receipts from the ATM when
you’re finished. Don’t throw away anything with account information
at or near the ATM.
• Make sure your ATM receipts and any merchant receipts match the
transactions on your monthly statement. Let us know if you have any
unverified transactions.
• Beware of “official” scams. No Travis Credit Union employee will
ever ask you for your PIN, or to withdraw funds from an ATM for any
reason. If someone from Travis Credit Union calls you on the
telephone, ask for their extension and then call them back. Use our
toll-free number 1 (800) 877-8328. This will ensure that they
represent Travis Credit Union.
• Never give out personal information over the telephone or on the
internet unless you initiated the call or connection.
KEEP SAFE AT ATMS
Follow these safety tips every time you use an ATM:
• Scan the area. Be watchful, especially at night. If you notice a
suspicious person or your intuition tells you it is not safe, leave
the area immediately. If you are in the middle of a transaction,
cancel it and leave the area. Report any suspicious activity to the
Credit Union and/or local law enforcement agencies.
• If you use an ATM after dark, try to have someone with you. Always
make sure the ATM and parking lot are well lighted.
• Be prepared when approaching an ATM. Have your card and completed
deposit forms ready to speed up the transaction.
• Stand directly in front of the ATM to keep others from seeing your
PIN.
• If you’re making a withdrawal, don’t count your cash until you’re
safely inside your locked car or in a secure area.
• When using a drive-up ATM, pull up as close as possible to the
machine and be sure your vehicle doors are locked and windows
closed. Lower the driver’s window only to complete the transaction.
• Take your receipts with you.
• If someone else is using the ATM, stay back a safe distance to
allow privacy.
BUSINESS DAYS
Except where noted, our business days are Monday through Saturday.
Holidays are not included.
HOW TO CONTACT US
Call (707) 449-4000 or (800) 877-8328 from 8:00 a.m. to 7:00 p.m.,
Monday through Friday, and 9:00 a.m. to 5:00 p.m., Saturdays
(Pacific Time), excluding holidays. If your card is lost or stolen,
call the numbers listed above during normal operating hours. Visit
any branch office or write to us at the address below:
Travis Credit Union
Attn: Member Service Center
P.O. Box 2069
Vacaville, CA 95696-2069 |
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