{"component": "clause", "props": {"groups": [{"size": 499, "snippet": "If approved, you may conduct any one (1) or more of the EFT services offered by the Credit Union.", "samples": [{"hash": "bUqHZA1JCF0", "uri": "/contracts/bUqHZA1JCF0#eft-services", "label": "Electronic Fund Transfers Agreement", "score": 34.4935086849, "published": true}, {"hash": "j7y436kYq2Y", "uri": "/contracts/j7y436kYq2Y#eft-services", "label": "Electronic Fund Transfers Agreement", "score": 34.3063812256, "published": true}, {"hash": "aJaxM8yNMCk", "uri": "/contracts/aJaxM8yNMCk#eft-services", "label": "Member Service Agreement", "score": 33.9824752808, "published": true}], "snippet_links": [{"key": "if-approved", "type": "clause", "offset": [0, 11]}, {"key": "offered-by", "type": "definition", "offset": [69, 79]}, {"key": "the-credit-union", "type": "definition", "offset": [80, 96]}], "hash": "f11cc196e7349be3994659466ad13a56", "id": 1}, {"size": 9, "snippet": "If approved, you may conduct any one or more of the EFT services offered by the Credit Union. Mastercard Debit Card. You may use your Card to purchase goods and services anyplace Mastercard is honored by participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card member security information before you will be permitted to complete the transaction. You agree that you will not use your Card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your Card purchases will be deducted from your checking account. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transaction. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member\u2019s opt-in choice for overdraft protection and the \u201cRate Addendum and Schedule of Fees and Charges.\u201d \u2587\u2587\u2587\u2587 (Telephone Access to Member Information). If we approve \u2587\u2587\u2587\u2587 for your accounts, a separate PIN (Personal Identification Number) will be assigned to you. You must use your PIN (Personal Identification Number) along with your account number to access your accounts. At the present time you may use \u2587\u2587\u2587\u2587 to:", "samples": [{"hash": "hK4GHcWNoMa", "uri": "/contracts/hK4GHcWNoMa#eft-services", "label": "Master Account Agreement", "score": 22.9048595428, "published": true}, {"hash": "gxbHn7laArp", "uri": "/contracts/gxbHn7laArp#eft-services", "label": "Master Account Agreement", "score": 22.9048595428, "published": true}, {"hash": "8IgIXNhOrd7", "uri": "/contracts/8IgIXNhOrd7#eft-services", "label": "Master Account Agreement", "score": 22.9048595428, "published": true}], "snippet_links": [{"key": "if-approved", "type": "clause", "offset": [0, 11]}, {"key": "offered-by", "type": "definition", "offset": [65, 75]}, {"key": "the-credit-union", "type": "definition", "offset": [76, 92]}, {"key": "mastercard-debit-card", "type": "clause", "offset": [94, 115]}, {"key": "your-card", "type": "clause", "offset": [129, 138]}, {"key": "goods-and-services", "type": "clause", "offset": [151, 169]}, {"key": "participating-merchants", "type": "definition", "offset": [204, 227]}, {"key": "type-of", "type": "definition", "offset": [280, 287]}, {"key": "gambling-transaction", "type": "definition", "offset": [288, 308]}, {"key": "goods-or-services", "type": "definition", "offset": [333, 350]}, {"key": "the-internet", "type": "clause", "offset": [356, 368]}, {"key": "to-provide", "type": "clause", "offset": [390, 400]}, {"key": "card-member", "type": "definition", "offset": [401, 412]}, {"key": "security-information", "type": "definition", "offset": [413, 433]}, {"key": "the-transaction", "type": "clause", "offset": [475, 490]}, {"key": "you-agree", "type": "clause", "offset": [492, 501]}, {"key": "local-law", "type": "definition", "offset": [606, 615]}, {"key": "card-purchases", "type": "clause", "offset": [637, 651]}, {"key": "your-checking-account", "type": "clause", "offset": [674, 695]}, {"key": "your-consent", "type": "clause", "offset": [705, 717]}, {"key": "resulting-from", "type": "definition", "offset": [775, 789]}, {"key": "types-of", "type": "clause", "offset": [796, 804]}, {"key": "services-and-fees", "type": "clause", "offset": [818, 835]}, {"key": "the-member", "type": "clause", "offset": [910, 920]}, {"key": "overdraft-protection", "type": "definition", "offset": [941, 961]}, {"key": "schedule-of-fees-and-charges", "type": "clause", "offset": [989, 1017]}, {"key": "access-to-member-information", "type": "clause", "offset": [1036, 1064]}, {"key": "your-accounts", "type": "clause", "offset": [1090, 1103]}, {"key": "a-separate", "type": "definition", "offset": [1105, 1115]}, {"key": "personal-identification-number", "type": "definition", "offset": [1121, 1151]}, {"key": "account-number", "type": "definition", "offset": [1249, 1263]}], "hash": "94b44a91d78eaab02f680da82d557d2f", "id": 2}, {"size": 8, "snippet": "If approved, you may conduct any one or more of the EFT services offered by the credit union.\nA. VISA CHECK CARD (DEBIT CARD). If approved, you may use your card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state or local law. Funds to cover your card purchases will be deducted from your share draft account. If the balance in your account is not sufficient to pay the transaction amount, the credit union will pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts or loan accounts that you have established with the credit union. If you initiate a transaction that 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, Pulse, PLUS 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 share and share draft accounts. Transfer funds from your share and share draft accounts. Obtain balance information for your share and share draft 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 the frequency and amount of Visa Check Card transactions may apply: For security purposes, there are some limitations on the frequency with which you may use your debit card. Purchase amounts are limited to the amount in your account. You may purchase up to a maximum of $5,000 per day. There is no limit to the number of cash withdrawals you may make in any one day from an ATM machine. You may withdraw up to a maximum of $1,000 in any one day from an ATM machine, if there are sufficient funds in your account. You may purchase up to a maximum of $5,000 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.\nB. AUDIO RESPONSE TELLER. If we approve Audio Response Teller for your accounts, a separate personal identification number (PIN) will be assigned to you. You must use your personal identification number (PIN) along with your account number to access your accounts. At the present time, you may use Audio Response Teller to: Withdraw funds from your share and share draft accounts. Transfer funds from your share and share draft accounts. Obtain balance information for your share and share draft accounts. Make loan payments from your share and share draft accounts. Access your Line of Credit account. Determine if a particular item has cleared. Verify the last date and amount of your payroll deposit. Your accounts can be accessed under Audio Response Teller via a touch-tone telephone only. Audio Response Teller service will be available for your convenience twenty-four (24) hours per day. This service may be interrupted for a short time each day for data processing. There is a limit of thirty (30) transactions per month and certain limits on the account history information available. See Section 2 for transfer limitations that may apply to these transactions. See Fee Schedule for costs that may be associated with this service. The credit union reserves the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. All checks are payable to you as a primary member and will be mailed to your address of record. The credit union may set other limits on the amount of any transaction, and you will be notified of those limits. The credit union may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction, and there may be limits on the duration of each telephone call.", "samples": [{"hash": "d036z1CNBKl", "uri": "/contracts/d036z1CNBKl#eft-services", "label": "Electronic Funds Transfer Agreement", "score": 33.1385040283, "published": true}, {"hash": "gft4pf67Vpm", "uri": "/contracts/gft4pf67Vpm#eft-services", "label": "Electronic Funds Transfer Agreement", "score": 33.1001815796, "published": true}], "snippet_links": [{"key": "if-approved", "type": "clause", "offset": [0, 11]}, {"key": "offered-by", "type": "definition", "offset": [65, 75]}, {"key": "the-credit-union", "type": "definition", "offset": [76, 92]}, {"key": "visa-check-card", "type": "clause", "offset": [97, 112]}, {"key": "debit-card", "type": "clause", "offset": [114, 124]}, {"key": "your-card", "type": "clause", "offset": [152, 161]}, {"key": "goods-and-services", "type": "clause", "offset": [174, 192]}, {"key": "participating-merchants", "type": "definition", "offset": [198, 221]}, {"key": "type-of", "type": "definition", "offset": [274, 281]}, {"key": "gambling-transaction", "type": "definition", "offset": [282, 302]}, {"key": "goods-or-services", "type": "definition", "offset": [327, 344]}, {"key": "the-internet", "type": "clause", "offset": [350, 362]}, {"key": "to-provide", "type": "clause", "offset": [384, 394]}, {"key": "card-number", "type": "clause", "offset": [395, 406]}, {"key": "security-information", "type": "definition", "offset": [407, 427]}, {"key": "the-transaction", "type": "clause", "offset": [469, 484]}, {"key": "local-law", "type": "definition", "offset": [599, 608]}, {"key": "card-purchases", "type": "clause", "offset": [630, 644]}, {"key": "share-draft-account", "type": "definition", "offset": [672, 691]}, {"key": "the-balance", "type": "clause", "offset": [696, 707]}, {"key": "transaction-amount", "type": "definition", "offset": [753, 771]}, {"key": "transfer-funds", "type": "definition", "offset": [852, 866]}, {"key": "other-deposit-accounts", "type": "clause", "offset": [872, 894]}, {"key": "overdraft-protection", "type": "definition", "offset": [905, 925]}, {"key": "loan-accounts", "type": "definition", "offset": [938, 951]}, {"key": "you-agree-to", "type": "clause", "offset": [1060, 1072]}, {"key": "payment-of", "type": "clause", "offset": [1088, 1098]}, {"key": "service-charges", "type": "definition", "offset": [1132, 1147]}, {"key": "in-the-event-of", "type": "clause", "offset": [1169, 1184]}, {"key": "services-under-this-agreement", "type": "clause", "offset": [1241, 1270]}, {"key": "personal-identification-number", "type": "definition", "offset": [1298, 1328]}, {"key": "other-machines", "type": "clause", "offset": [1395, 1409]}, {"key": "draft-accounts", "type": "definition", "offset": [1552, 1566]}, {"key": "balance-information", "type": "clause", "offset": [1632, 1651]}, {"key": "transactions-with", "type": "clause", "offset": [1718, 1735]}, {"key": "by-mail", "type": "definition", "offset": [1872, 1879]}, {"key": "limitations-on", "type": "definition", "offset": [1937, 1951]}, {"key": "frequency-and-amount", "type": "clause", "offset": [1956, 1976]}, {"key": "card-transactions", "type": "definition", "offset": [1991, 2008]}, {"key": "purchase-amounts", "type": "clause", "offset": [2127, 2143]}, {"key": "limit-to", "type": "clause", "offset": [2251, 2259]}, {"key": "number-of", "type": "clause", "offset": [2264, 2273]}, {"key": "cash-withdrawals", "type": "clause", "offset": [2274, 2290]}, {"key": "atm-machine", "type": "clause", "offset": [2327, 2338]}, {"key": "funds-in", "type": "definition", "offset": [2443, 2451]}, {"key": "pos-terminals", "type": "definition", "offset": [2514, 2527]}, {"key": "limits-on", "type": "clause", "offset": [2623, 2632]}, {"key": "of-transfers", "type": "definition", "offset": [2658, 2670]}, {"key": "available-at", "type": "definition", "offset": [2671, 2683]}, {"key": "available-balance", "type": "definition", "offset": [2717, 2734]}, {"key": "your-accounts", "type": "clause", "offset": [2738, 2751]}, {"key": "the-transfer", "type": "clause", "offset": [2767, 2779]}, {"key": "see-section-2", "type": "clause", "offset": [2781, 2794]}, {"key": "transfer-limitations", "type": "definition", "offset": [2799, 2819]}, {"key": "audio-response", "type": "clause", "offset": [2861, 2875]}, {"key": "a-separate", "type": "definition", "offset": [2939, 2949]}, {"key": "your-personal-identification", "type": "clause", "offset": [3025, 3053]}, {"key": "account-number", "type": "definition", "offset": [3083, 3097]}, {"key": "loan-payments", "type": "definition", "offset": [3369, 3382]}, {"key": "line-of-credit-account", "type": "definition", "offset": [3437, 3459]}, {"key": "payroll-deposit", "type": "clause", "offset": [3545, 3560]}, {"key": "hours-per-day", "type": "clause", "offset": [3739, 3752]}, {"key": "short-time", "type": "clause", "offset": [3792, 3802]}, {"key": "data-processing", "type": "clause", "offset": [3816, 3831]}, {"key": "per-month", "type": "clause", "offset": [3878, 3887]}, {"key": "certain-limits", "type": "clause", "offset": [3892, 3906]}, {"key": "account-history", "type": "clause", "offset": [3914, 3929]}, {"key": "information-available", "type": "clause", "offset": [3930, 3951]}, {"key": "fee-schedule", "type": "clause", "offset": [4034, 4046]}, {"key": "associated-with", "type": "definition", "offset": [4069, 4084]}, {"key": "right-to-refuse", "type": "clause", "offset": [4129, 4144]}, {"key": "insufficient-funds", "type": "definition", "offset": [4183, 4201]}, {"key": "credit-limit", "type": "definition", "offset": [4212, 4224]}, {"key": "required-balance", "type": "clause", "offset": [4251, 4267]}, {"key": "required-reserve", "type": "clause", "offset": [4309, 4325]}, {"key": "payable-to", "type": "definition", "offset": [4357, 4367]}, {"key": "primary-member", "type": "definition", "offset": [4377, 4391]}, {"key": "address-of-record", "type": "clause", "offset": [4419, 4436]}, {"key": "the-service", "type": "clause", "offset": [4668, 4679]}, {"key": "unsuccessful-attempts", "type": "clause", "offset": [4741, 4762]}, {"key": "to-enter", "type": "definition", "offset": [4763, 4771]}, {"key": "duration-of", "type": "definition", "offset": [4818, 4829]}, {"key": "telephone-call", "type": "definition", "offset": [4835, 4849]}], "hash": "3e0b5d4efd8b681113bdf61bb9aa05f8", "id": 3}, {"size": 8, "snippet": "If approved, you may conduct any one (1) or more of the EFT services offered by the Credit Union.\na. Money One ATM Card. If approved, you may use your card and personal identification number (PIN) in automated teller machines (ATMs) of the Credit Union, AllPoint, Cirrus, \u2587\u2587\u2587\u2587\u2587\u2587, PLUS, STAR, networks, and such other machines or facilities as the Credit Union may designate. For ATM transactions, you must consent to the Credit Union\u2019s 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\u2019s opt-in choice for overdraft protection and the Schedule of Fees and Charges.", "samples": [{"hash": "4sb1jiuCkJG", "uri": "/contracts/4sb1jiuCkJG#eft-services", "label": "Electronic Funds Transfer Agreement", "score": 21.2464065552, "published": true}], "snippet_links": [{"key": "if-approved", "type": "clause", "offset": [0, 11]}, {"key": "offered-by", "type": "definition", "offset": [69, 79]}, {"key": "the-credit-union", "type": "definition", "offset": [80, 96]}, {"key": "atm-card", "type": "definition", "offset": [111, 119]}, {"key": "your-card", "type": "clause", "offset": [146, 155]}, {"key": "personal-identification-number", "type": "definition", "offset": [160, 190]}, {"key": "automated-teller-machines", "type": "clause", "offset": [200, 225]}, {"key": "other-machines", "type": "clause", "offset": [311, 325]}, {"key": "atm-transactions", "type": "clause", "offset": [379, 395]}, {"key": "consent-to", "type": "clause", "offset": [406, 416]}, {"key": "overdraft-protection-plan", "type": "definition", "offset": [436, 461]}, {"key": "transaction-amount", "type": "definition", "offset": [479, 497]}, {"key": "the-plan", "type": "clause", "offset": [518, 526]}, {"key": "your-consent", "type": "clause", "offset": [536, 548]}, {"key": "resulting-from", "type": "definition", "offset": [606, 620]}, {"key": "types-of-transactions", "type": "definition", "offset": [627, 648]}, {"key": "services-and-fees", "type": "clause", "offset": [650, 667]}, {"key": "the-member", "type": "clause", "offset": [746, 756]}, {"key": "schedule-of-fees-and-charges", "type": "clause", "offset": [806, 834]}], "hash": "c939d119f962951a22d9adcd867b9006", "id": 4}, {"size": 7, "snippet": "a. Automated Teller Machines (\u201cATMs\u201d).", "samples": [{"hash": "g8KsTd8DM0x", "uri": "/contracts/g8KsTd8DM0x#eft-services", "label": "Business Deposit Account Contract", "score": 31.1374874115, "published": true}, {"hash": "70CsvIScTIe", "uri": "/contracts/70CsvIScTIe#eft-services", "label": "Member Service Agreement", "score": 25.2532520294, "published": true}, {"hash": "cI2rasmbmXg", "uri": "/contracts/cI2rasmbmXg#eft-services", "label": "Business Member Service Agreement", "score": 24.3538665771, "published": true}], "snippet_links": [{"key": "automated-teller-machines", "type": "clause", "offset": [3, 28]}], "hash": "33f819c06eee9fc88f1e433e408e2290", "id": 5}, {"size": 7, "snippet": "If approved, you may conduct any one or more of the EFT services offered by the Credit Union. PFFCU ATM Card. You may use your Card and PIN (Personal Identification Number) in automated teller machines of the Credit Union, Cirrus, Exchange networks, PLUS, STAR, CU24, and CU HERE networks and such other machines or facilities as the Credit Union may designate. At the present time, you may use your Card to.", "samples": [{"hash": "bOqucMA4AFa", "uri": "/contracts/bOqucMA4AFa#eft-services", "label": "Master Account Agreement", "score": 29.4512691498, "published": true}, {"hash": "6J6CEqcmnQE", "uri": "/contracts/6J6CEqcmnQE#eft-services", "label": "Master Account Agreement", "score": 27.5186882019, "published": true}, {"hash": "kWsBFeu6U5R", "uri": "/contracts/kWsBFeu6U5R#eft-services", "label": "Master Account Agreement", "score": 26.7878112793, "published": true}], "snippet_links": [{"key": "if-approved", "type": "clause", "offset": [0, 11]}, {"key": "offered-by", "type": "definition", "offset": [65, 75]}, {"key": "the-credit-union", "type": "definition", "offset": [76, 92]}, {"key": "atm-card", "type": "definition", "offset": [100, 108]}, {"key": "card-and-pin", "type": "clause", "offset": [127, 139]}, {"key": "personal-identification-number", "type": "definition", "offset": [141, 171]}, {"key": "automated-teller-machines", "type": "clause", "offset": [176, 201]}, {"key": "other-machines", "type": "clause", "offset": [298, 312]}], "hash": "48ac351ba9c96bdf90a926abe92b31fa", "id": 6}, {"size": 6, "snippet": "If approved, you may conduct any one or more of the EFT services offered by the Credit Union. You may use your Card and PIN (Personal Identification Number) in automated teller machines of the Credit Union, CIRRUS, Pulse and MoneyPass networks and such other machines or facilities as the Credit Union may designate. At the present time, you may use your Card to. \uf076 Make deposits to your savings or checking accounts (Ohio Only). \uf076 Withdraw available funds from your savings or checking accounts. \uf076 Transfer available funds from your savings to your checking accounts. \uf076 Transfer available funds from your checking to your savings accounts. \uf076 Obtain balance information for your savings and your checking accounts. \uf076 Make POS (Point-of-Sale) transactions with your Card and PIN (Personal Identification Number) to purchase goods or services at POS terminals that accept your Card. The following limitations on the frequency and amount of ATM transactions may apply: \uf076 You may withdraw up to a maximum of $300.00 in any one (1) day, if there are sufficient available funds in your account. \uf076 Maximum cash deposit to an ATM machine is $9,999.99. \uf076 You may purchase up to a maximum of $1,500.00 from POS terminals per day, if there are sufficient available funds in your account. \uf076 For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. \uf076 You may transfer up to the available balance in your accounts at the time of the transfer. \uf076 See \u201ctransfer limitations\u201d section for any 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. MASTERCARD Debit Card You may use your Card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card member security information before you will be permitted to complete the transaction. You agree that you will not use your Card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your Card purchases will be deducted from your checking account. For one-time debit transactions, you must consent to the Credit Union\u2019s discretionary overdraft service 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 transaction. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member\u2019s opt-in choice for a discretionary overdraft service and the Schedule of Fees and Charges. For other types of transactions, if the available balance in your account is not sufficient to pay the transaction amount, the Credit Union will pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved discretionary overdraft service accounts or loan accounts that you have established with the Credit Union. If you initiate a transaction that 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 automated teller machines of the Credit Union, Maestro, Cirrus and MoneyPass networks and such other machines or facilities as the Credit Union may designate. However, provisions of this Agreement relating to MasterCard transactions do not apply to transactions processed through non-MasterCard networks. To initiate a MasterCard 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 MasterCard network. Please refer to the Member Liability section of this Agreement for terms and conditions. At the present time, you may also use your Card to: \uf076 Deposit checks totaling more than $5,000.00 on any one (1) day. \uf076 Make deposits to your savings or checking accounts (Ohio Only). \uf076 Withdraw available funds from your savings or checking accounts. \uf076 Transfer available funds from your savings to your checking accounts. \uf076 Transfer available funds from your checking to your savings accounts. \uf076 Obtain balance information for your savings and your checking accounts. \uf076 Make POS (Point-of-Sale) transactions with your Card and PIN (Personal Identification Number) to purchase goods or services at merchants that accept MasterCard. \uf076 Order goods or services by mail, telephone or online from places that accept MasterCard. The following limitations on the frequency and amount of MASTERCARD Debit card transactions may apply: \uf076 Purchase amounts are limited to the available amount in your account. \uf076 You may purchase up to a maximum of $1,500.00 per day. \uf076 You may withdraw up to a maximum of $300.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. \uf076 You may purchase up to a maximum of $1,500.00 from POS terminals per day, if there are sufficient funds in your account. \uf076 For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. \uf076 Total debit limit (including ATM) of $1,500.00 per day. \uf076 You may transfer up to the available balance in your accounts at the time of the transfer. \uf076 See \u201ctransfer limitations\u201d 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. Call-24 If we approve CALL-24 for your accounts, a separate PIN (Personal Identification Number) will be assigned to you. You must use your PIN (Personal Identification Number) along with your account number to access your accounts. At the present time you may use CALL-24 to: \uf076 Withdraw available funds from your savings and checking accounts. \uf076 Transfer available funds from your savings and checking accounts. \uf076 Obtain available balance information for your savings, checking, loan, club, \u2587\u2587\u2587, and certificate accounts. \uf076 Make loan payments from available funds in your savings and checking accounts. \uf076 Determine if a particular item has cleared. \uf076 Verify the last date and amount of your payroll deposit. Your accounts can be accessed under CALL-24 via a touch tone telephone only. CALL-24 will be available for your convenience twenty-four (24) hours per day. This service may be interrupted for a short time each day for data processing. \uf076 There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one (1) day. \uf076 Withdrawal/Transfers are limited to the available balance in your accounts. \uf076 See \u201ctransfer limitations\u201d that may apply to these transactions. The Credit Union reserves the right to refuse any transaction which would draw upon unavailable or insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. All checks are payable to you as a primary member and will be mailed to your address on record. The Credit Union may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction, and there may be limits on the duration of each telephone call. The Credit Union may set other limits on the amount of any transaction, and you will be notified of those limits.", "samples": [{"hash": "iPTCs3iCZu9", "uri": "/contracts/iPTCs3iCZu9#eft-services", "label": "Master Account Agreement", "score": 29.1090984344, "published": true}, {"hash": "d4JaQfgnHYG", "uri": "/contracts/d4JaQfgnHYG#eft-services", "label": "Master Account Agreement", "score": 28.4028568268, "published": true}, {"hash": "c7pnjvTVXAQ", "uri": "/contracts/c7pnjvTVXAQ#eft-services", "label": "Master Account Agreement", "score": 28.301574707, "published": true}], "snippet_links": [{"key": "if-approved", "type": "clause", "offset": [0, 11]}, {"key": "offered-by", "type": "definition", "offset": [65, 75]}, {"key": "the-credit-union", "type": "definition", "offset": [76, 92]}, {"key": "card-and-pin", "type": "clause", "offset": [111, 123]}, {"key": "personal-identification-number", "type": "definition", "offset": [125, 155]}, {"key": "automated-teller-machines", "type": 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"/contracts/kdXzEu2IeIf#eft-services", "label": "Membership Agreement", "score": 23.5941143036, "published": true}, {"hash": "f1rWJU1zKbV", "uri": "/contracts/f1rWJU1zKbV#eft-services", "label": "Membership Agreement", "score": 23.5941143036, "published": true}, {"hash": "d5U9s74lAIN", "uri": "/contracts/d5U9s74lAIN#eft-services", "label": "Membership Agreement", "score": 23.5941143036, "published": true}], "snippet_links": [{"key": "if-approved", "type": "clause", "offset": [0, 11]}, {"key": "offered-by", "type": "definition", "offset": [67, 77]}, {"key": "the-credit-union", "type": "definition", "offset": [78, 94]}], "hash": "c751ecfb8727a3912b538969a62eb48b", "id": 8}, {"size": 4, "snippet": "If approved, you may conduct any one or more of the EFT services offered by the Credit Union. Mastercard Debit Card. You may use your Card to purchase goods and services from participating merchants. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your Card purchases will be deducted from your checking account. If the balance in your account is not sufficient to pay the transaction amount, the credit union will pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts or loan accounts that you have established with the Credit Union. If you initiate a transaction that 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 PIN (Personal Identification Number) in automated teller machines of the Credit Union, Cirrus, Maestro, STAR, Co-Op, Mastercard, or Visa terminals, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your Card to: \u2022 Make deposits to your share and checking accounts but only at machines that accept deposits. \u2022 Withdraw funds from your share and checking accounts. \u2022 Transfer funds from your share and checking accounts. \u2022 Obtain balance information for your share and checking accounts. \u2022 Conduct Debit Purchase or POS (Point-of-Sale) transactions with your Card and PIN (Personal Identification Number) to purchase goods or services at merchants that accept Mastercard. \u2022 Conduct Credit Purchase transactions with your Card to purchase goods or services at merchants that accept Mastercard. Some merchants do not require a Signature to be verified for smaller dollar amounts. Some merchants prompt to enter a PIN with your chip card for verification.\u2022 Conduct Credit Purchase transactions to order goods or services by mail, telephone, computer or other internet accessible device from merchants that accept Mastercard. Your Card may be used for lawful transactions only. You agree that use of your Card for illegal transactions (including but not limited to Unlawful Internet Gambling) will be deemed a default and/or breach of this Agreement and may result in the termination of this Agreement. If you use your Account for illegal transactions, you waive any right to sue us for any activity directly or indirectly related to such transactions. You also agree to indemnify and hold us harmless from any legal action or liability, directly or indirectly resulting from any illegal transactions. See our Rate Schedule and Fee Schedule for limitations on the frequency and amount of Mastercard Debit Card 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. Mastercard Gift Card. You may use your Card to purchase goods and services from participating merchants. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card for any transaction that is illegal under applicable federal, state, or local law. The Card may not be used for recurring payments, non-financial money exchange establishments and gambling establishments. The Card is not a credit card and may not be reloaded. You may only use it when there is a balance remaining on the Card and only up to the amount left on the Card. Purchases will be deducted from your Card until the value reaches zero. If a transaction initiated by you exceeds the remaining balance on the Card, you must tell the merchant before completing the transaction. Any transaction attempted for more than the amount available on the Card will be declined. If you are given value through the use of the Card greater than the balance remaining, you will pay us on demand the amount by which your transactions exceeded the balance remaining on the Card. Telephone Banking (Audio Response) You may use your Audio Response PIN along with your account number to access your accounts. At the present time, you may also use the audio response system to: \u2022 Change your PIN, check your account balances, transfer funds, make a loan payment, withdraw funds from your accounts, advance a loan or find out if a specific share draft has cleared and more. The following limitations on the frequency and amount of audio response transactions may apply: \u2022 Your accounts may only be accessed via a touchtone telephone. \u2022 See Section 2 for transfer limitations that may apply to these transactions.", "samples": [{"hash": "5CGv3azOdbY", "uri": "/contracts/5CGv3azOdbY#eft-services", "label": "Membership & Account Agreement", "score": 28.0606861115, "published": true}, {"hash": "iUNJ8jU6RO8", "uri": "/contracts/iUNJ8jU6RO8#eft-services", "label": "Membership & Account Agreement", "score": 27.8951473236, "published": true}, {"hash": "dCsl6Qws27t", "uri": "/contracts/dCsl6Qws27t#eft-services", "label": "Membership & Account Agreement", "score": 23.5311431885, "published": true}], "snippet_links": [{"key": "if-approved", "type": "clause", "offset": [0, 11]}, {"key": "offered-by", "type": "definition", "offset": [65, 75]}, {"key": "the-credit-union", "type": "definition", "offset": [76, 92]}, {"key": "mastercard-debit-card", "type": "clause", 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Automated Teller Machines (\u201cATMs\u201d). You may use your Card and personal identification number (PIN) in ATMs of the credit union, and such other machines or facilities as the credit union may designate. At the present time, you may use your Card to: \uf0a7 Withdraw cash from your savings, or checking accounts. \uf0a7 Make deposits to your savings, or checking accounts (not all machines will accept deposits). \uf0a7 Make inquiries on your savings or checking accounts.\nb. Direct Deposit. 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