Common use of Access Checks Clause in Contracts

Access Checks. We may provide you with access checks in connection with your Visa Account, which may also be referred to as convenience check or a purchase check (“Access Checks”). a. Use of Access Checks will be considered and treated as a Cash Advance on your Visa Account. b. You may use your Access Checks to purchase goods and services or to obtain cash up to the amount of your Credit Limit. You may not use Access Checks to pay any amount you owe on your Visa Account or any other amount you owe DCU or any of its affiliated companies. c. Access Checks may be used only by the person(s) whose name(s) is printed on the checks. Each Access Check must be in the form issued to you. d. We reserve the right to refuse to pay an Access Check drawn on your Visa Account for any reason, including, but not limited to, (i) your Visa Account is past due, in default, charged off, suspended, closed, or terminated; (ii) we suspect fraud; (iii) your Visa Account is over your Credit Limit; or (iv) the Access Check has expired, is damaged, or cannot otherwise be processed. Such refusal shall not constitute wrongful dishonor. If an Access Check is refused or returned, DCU may charge you a fee in the amount reflected on DCU’s Schedule of Fees and Service Charges for returned payments. e. Use of an Access Check is not the same as using your Card. When you use an Access Check, you will have fewer rights to dispute merchant transactions than with uses of your Card. Please see the “Your Billing Rights” section of this Agreement and/or on your Statement for more information. f. Your Statement will contain an itemization of the Access Checks posted to your Visa Account during that billing cycle. Access Checks paid by us will not be returned to you with your Statement. g. Access Checks are the property of DCU, and we reserve the right to revoke them at any time. You agree to return any and all Access Checks associated with your Visa Account upon our request.