ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account. Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed. You should keep this notice for future reference.
ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account. Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed. You should keep this notice for future reference. Preauthorized Credits- You may make arrangements for certain direct deposits to be accepted into your share draft, share saving or loan account(s). Preauthorized Payments- You may make arrangements to pay certain recurring bills from your share draft or share savings account (s). Electronic Check or Draft Conversion- types of transfers- Your check or draft can result in an electronic funds transfer. This can happen in several ways. For example: • You can purchase goods or pay for services and authorize a merchant or service provider to convert your check or draft into an electronic funds transfer. • At the time you offer a check or draft to a merchant or service provider, you may be asked to authorize the merchant or service provider to electronically collect a charge in the event the check or draft is returned for insufficient funds. Paying such a fee electronically is an electronic funds transfer. Your authorization to make these types of electronic funds transfers may be expressed in writing or implied through the posting of a sign. Telephone Transfers- types of transfers- You may access your account by telephone 24 hours a day at 000-000-0000 using your personal identification number, a touch tone phone, and your account number, to: • Transfer funds from share draft to share draft • Transfer funds from share draft to share savings • Transfer funds from shave savings to share draft • Transfer funds from share savings to share savings • Transfer funds from line of credit to share draft • Transfer funds from line of credit to share savings • Make payments from share draft to loan accounts with us • Make payments from share savings to loan accounts with us • Get information about: o The account balance of share draft accounts o The last twelve months deposits to share draft accounts o The last twelve months withdrawals from share draft accounts o The account balance of share savings accounts o The last twenty-four months deposits to share savings accounts o The last twenty-four months withdrawals from share savings accounts ATM Transfers- types of transfers, dollar limitations, and charges- You may access your account(s) by ATM using your Debit/ATM Access Card and per...
ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. Consumer liability. Tell us AT ONCE if you believe your card, account number, PIN, or passcode has been lost or stolen, or if you believe that an electronic funds transfer has been made without your permission using information from your account. Telephoning us is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within two (2) Business Days after you learn of the loss or theft of your card, account number, PIN, or passcode, you can lose no more than $50 if someone used your card, account number, PIN, or passcode without your permission. If you do NOT tell us with in two (2) Business Days after you learn of the loss or theft of your card, account number, PIN, or passcode, and we can please we could have stopped someone from using your card, account number, PIN, or passcode without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, including those made by card, code, or other means, tell us at once. If you do not tell us within 60 days after the FIRST statement on which the unauthorized transfer appeared was delivered to you, you may not get back any money you lost after the 60 days if we can prove that we could have stop 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 will extend the time periods for a reasonable period. Additional Limit on Liability for Mastercard debit card. You will not be liable for any on authorized transactions using your Mastercard debit card if: (i) you can demonstrate that you have exercised reasonable care in safe guarding your card from the risk of loss or theft, and (ii) upon becoming aware of a loss or theft, you promptly report the loss or theft to us. (Mastercard is a registered trademark of Mastercard International Incorporated). Contact in Event of Unauthorized Transfer. If you believe your card, account number, PIN or passcode has been lost or stolen, call us at 000-000-0000 or write to us at Universe Silver Demand Deposit Account, PO Box 124, Dell Rapids, SD 57022. You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your account without your permission. ATM Operator/Network Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator...
ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account. Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed. You should keep this notice for future reference. If you are obtaining a Debit Card, your Debit Card and PIN Mailer will be mailed to you, along with Debit Card Agreement and important information concerning Electronic Funds Transfer (“ Debit Card Agreement”). If the provisions of this section conflict with the provisions of the Debit Card Agreement, the conflicting provisions of the Debit Card Agreement shall control.
ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. This Section 22 applies only with respect to electronic fund transfers on any Account that is a demand deposit, checking, savings, or other consumer asset account, as each are subject to the Electronic Fund Transfer Act and Regulation E, as amended, notwithstanding any other provision in this Agreement to the contrary.
ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. The Electronic Fund Transfers Prairie State Bank & Trust (referred to as “Bank”, “we”, “our”, or “us”) is capable of handling for consumers are indicated below, some of which may not apply to your account. Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed. If you currently use any of the electronic fund transfer services offered, this agreement replaces all previous Electronic Fund Transfer disclosures. You should keep this notice for future reference. TYPES OF TRANSFERS, LIMITATIONS, & FEES Online and Mobile Banking - Online and Mobile Banking service allows you to access your accounts, transfer funds and pay bills through the internet at xxx.xxxxxx.xxx or via our app on your device. At present, you may use this service to: • Obtain balance and account history information about your checking, savings, and loan accounts; • Transfer funds between checking and savings accounts; • Transfer funds from specified lines of credit to checking or savings accounts; • Make payments from checking or savings accounts to loan accounts with us; or • Pay your bills to businesses or individuals online (Bill Pay) from your checking account. Limitations on Frequency and Amount of Transfers - Please see the Limitations on Transfers section for important limitations that apply to savings and money market accounts. Fees – Our optional Bill Pay service has no flat monthly fee and includes 10 free bill payment transactions per calendar month. After those first 10, a Bill Payment Fee of $.55 is assessed for each additional Bill Pay transaction during the calendar month. Bill Payment Fees are not charged for Voyagers Checking, Bank Anywhere Checking and Active Checking accountholders. In all cases, standard text, data and/or internet rates apply as outlined in your contract with your service provider.
ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. The Electronic Fund Transfers we are capable of handling for consumers are indicated below, some of which may not apply to your account. Some of these may not be available at all terminals. Please read this disclosure carefully because it tells you your rights and obligations for these transactions. You should keep this notice for future reference. Unauthorized Transfers – Consumer Liability Tell us AT ONCE if you believe your debit card and/or Personal Identification Number (PIN) has been lost, stolen, used without your authorization, or otherwise compromised. A telephone call is the best way to reduce any possible losses. You could lose all the money in your account plus your maximum overdraft line of credit if applicable. If you tell us within two (2) business days after you discover your password or other means to access your account has been lost or stolen, your liability is no more than $50.00 should someone access your account without your permission. If you do NOT tell us within two
ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. This disclosure includes the additional rights and responsibilities that you may have pertaining to electronic fund transfers, and applies only to Accounts established primarily for personal, family, or household purposes. Electronic fund transfers include transfers of funds initiated through an electronic terminal, telephone, computer, or magnetic tape for the purpose of ordering, instructing, or authorizing a financial institution to debit or credit an Account. Examples of electronic fund transfers are automated teller machine (“ATM”), point-of-sale (“POS”), and Debit MasterCard transactions, direct deposits, pre-authorized withdrawals of funds, computer-initiated transactions, electronic check conversion transactions and telephone transfers. A separate agreement governing online banking and bill payment services is provided to members enrolling for those services. FOR YOUR ACCOUNT SAFETY & SECURITY It is your responsibility to keep your information current with us. You must inform us of any changes in your address, email address and telephone(s) numbers: home, work and cell. If you have a permanent or temporary change, we ask that you advise us immediately. A signature is required for a permanent or temporary change. Please visit a Community Financial office and advise a financial sales representative, or go online at xxx.xxxx.xxx to print a Member Address Change Request form. If you are planning to temporarily relocate to a different address over the winter months, we will ask you to provide the alternate address, and a Start Date and Stop Date. If you relocate every year, you must request an alternate address each year. If you are going to be out of the country, please notify us by visiting a Community Financial office or calling (000) 000-0000, or by emailing xxxxxx@xxxx.xxx.
ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. Indicated below are types of Electronic Fund Transfers available through Online and Mobile Banking, some of which may not apply to your account. Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed. You should keep this notice for future reference. • transfer funds from checking to checking • transfer funds from checking to savings • transfer funds from savings to checking • transfer funds from savings to savings • transfer funds from line of credit to checking or savings • make payments from checking or savings to loan account(s) with us • make payments from checking to third parties • get information about: o the account balance of checking account(s) o the account balance of savings account(s) o Line of credit o Loans
ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your Account. Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed. You should keep this notice for future reference.
