Common use of ATM Clause in Contracts

ATM. If approved, you may use your card and personal identification number (PIN) in automated teller machines (ATMs) of the Credit Union, STAR networks, and such other machines or facilities as the Credit Union may designate. For ATM transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for ATM overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. At the present time, you may 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 POS terminals that carry STAR network logo(s). The following limitations on the frequency and amount of ATM transactions may apply: - You may make 25 cash withdrawals in any one (1) day. - You may withdraw up to a maximum of $200.00 in any one (1) day, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $200.00 from POS terminals per day, if there are sufficient 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. Because of the servicing schedule and processing time required in ATM operations, there may be a delay between the time a deposit (either cash or check) is made and when it will be available for withdrawal.

ATM. If approved, you may use your card and personal identification number (PIN) in automated teller machines (ATMs) of the Credit Union, STAR NYCE, Cirrus®, PLUS®, AFFN, CU24, Co-Op, and Visa® networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your card without a PIN for certain transactions on the NYCE, Cirrus, PLUS, AFFN, CU24, Co-Op and VISA networks. However, provisions of this Agreement relating to Visa transactions 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 your card through a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. Please refer to the Member Liability section of this Agreement for terms and conditions. For ATM transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for ATM overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. At the present time, you may use your card to: - Make deposits to your savings share and checking accountsshare draft accounts at machines we own. - Withdraw funds from your savings share and checking share draft accounts. - Transfer funds from your savings share and checking share draft accounts. - Obtain balance information for your savings share and checking share draft accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at POS terminals that carry STAR NYCE, Cirrus®, PLUS®, AFFN, CU24, Co-Op, and Visa® network logo(s). The following limitations on the frequency and amount of ATM transactions may apply: - You may make 25 five (5) cash withdrawals in any one (1) day. - You may withdraw up to a maximum of $200.00 500.00 in any one (1) day, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $200.00 from POS terminals per day, if there are sufficient 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. Because of the servicing schedule and processing time required in ATM operations, there may be a delay between the time a deposit (either cash or check) is made and when it will be available for withdrawal.

ATM. If approved, you may use your card and personal identification number (PIN) in automated teller machines (ATMs) of the Credit Union, STAR STAR, Co-Op, CU$, Cirrus networks, and such other machines or facilities as the Credit Union may designate. For ATM transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for ATM overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. At the present time, you may use your card to: - Make deposits to your savings share and checking share draft accounts. - Withdraw funds from your savings share and checking share draft accounts. - Transfer funds from your savings share and checking share draft accounts. - Obtain balance information for your savings share and checking share draft accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at POS terminals that carry STAR STAR, Co-Op, CU$, Cirrus network logo(s). The following limitations on the frequency and amount of ATM transactions may apply: - You may make 25 12 cash withdrawals in any one (1) day. - You may withdraw up to a maximum of $200.00 500.00 in any one (1) day, if there are sufficient funds in your account. - There is no limit on the number of You may make 12 POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $200.00 500.00 from POS terminals per day, if there are sufficient 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. - Maximum ATM withdrawal and POS transactions per day of $500.00, if there are sufficient funds in your account. - See Section 2 for transfer limitations that may apply to these transactions. Because of the servicing schedule and processing time required in ATM operations, there may be a delay between the time a deposit (either cash or check) is made and when it will be available for withdrawal.

ATM. If approved, you may use your card and personal identification number (PIN) in automated teller machines (ATMs) of the Credit Union, STAR Cirrus, PLUS, Co‐Op, and ACCEL/Exchange networks, and such other machines or facilities as the Credit Union may designate. For ATM transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for ATM overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in opt‐in choice for overdraft protection and the Schedule of Fees and Charges. At the present time, you may 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 point‐of‐sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at POS terminals that carry STAR Cirrus, PLUS, Co‐Op, and ACCEL/Exchange network logo(s). The following limitations on the frequency and amount of ATM transactions may apply: - ‐ You may make 25 six (6) cash withdrawals in any one (1) day. - ‐ You may withdraw up to a maximum of $200.00 600.00 in any one (1) day, if there are sufficient funds in your account. - There is no limit on the number of ‐ You may make six (6) POS transactions you may make in any one (1) day. - ‐ You may purchase up to a maximum of $200.00 600.00 from POS terminals per day, if there are sufficient 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. - ‐ You may make no more than six (6) withdrawals per three (3) day period. ‐ See Section 2 for transfer limitations that may apply to these transactions. Because of the servicing schedule and processing time required in ATM operations, there may be a delay between the time a deposit (either cash or check) is made and when it will be available for withdrawal.