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Check Card Disclosure |
January 2005
The following terms and conditions governing your Check 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 Check
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 Check Card services, you must:
• Establish a Share Draft Account.
• Be at least eighteen (18) years of age.
• 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.
CHECK CARD HOLDER AGREEMENT
Check Card Holders Hereby Agree:
• To abide by the rules as established by Travis Credit Union
relating to use of the Check 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 a Check 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 reencoding.
The PIN must be used, together with your Check Card, to conduct
transactions at ATMs and Point of Sale (POS) terminals.
AUTOMATED TELLER MACHINES (ATMs)
You may access your account with your Check 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 CHECK 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 Check Card to pay for purchases at
places that have agreed to accept Check Card Point-of-Sale
Transaction (POS) purchases or at any merchant that honors Visa
Debit Card transactions.
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,
may not be available for immediate withdrawal. Please see our
Funds Availability Disclosure Brochure for details.
FOREIGN TRANSACTIONS
Purchases and other VISA® transactions made in foreign
currencies will be billed in U.S. dollars. The conversion rate
in U.S. dollars will be either at the government mandated rate
or a wholesale currency market rate determined by Visa® for the
processing cycle in which the transaction is processed,
In addition to the conversion rate selected by Visa®, a separate
VISA® International Service Assessment Fee of 1% is charged to
the Credit Union and will also appear on your statement.
The currency conversion rate used by Visa® on the processing
date may differ from the rate that would have been used on the
purchase date or cardholder statement posting date. The Credit
Union has no control over the conversion rate.
CHARGES
There is no charge to use your Check 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 TRANSFERS
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.
Overdraft
Overdrawn Check Card withdrawals from the 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 Check 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 Check 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 debit card 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 cardholder in a reasonable manner.
TERMINATION
The Credit Union reserves the right to discontinue Check 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 Check 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
Check 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 1-800-877-8328 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 or 1-800-453-4270 during non-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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