Fees for Electronic Fund Transfers. All fees associated with your EFTs are disclosed in our Schedule of Fees and Charges, which accompanies this Agreement and is incorporated herein by reference. Any fees charged will be deducted from your checking or regular share account. The Credit Union reserves the right to impose fees at a future date after we give you notice of such charges as required by law. If you have been issued an additional card (whether a Visa Debit Card or Visa Credit Card) for a joint owner or authorized user on your account, any applicable transaction fees outlined in our Schedule of Fees and Charges will be based on combined transactions. Withdrawals from more than one account or additional withdrawals from the same account during a single access will be counted as multiple withdrawals. Generally, transaction fees will be charged to your account within two (2) business days from the day they are incurred. The fee may not be recorded on the transaction receipt produced by the ATM, but it will be itemized on your monthly statement. If you use an ATM that is not operated by us, you may be subject to additional fee(s) imposed by another financial institution, merchant and/ or by an automated transfer network. You may be charged a fee for a balance inquiry even if you do not complete a funds transfer. This practice is known as “surcharging” and is in addition to any ATM fees charged by us.
Fees for Electronic Fund Transfers. We reserve the right to impose charges or increase them, as we deem necessary. Withdrawals performed at ATMs not owned by Community West Credit Union or a non participating CO-OP financial institution will cost $3.00 each. POS/Debit card transactions may also cost $3.00 each. We will give you at least 21 days advance written notice before increasing any charge. Deposit Availability Each deposit is subject to verification and/or holds. To ensure your deposit, checks must be properly endorsed. If checks are not properly endorsed, they will be deducted from your account and returned to you. Please check this carefully before making a deposit. If a check is payable to someone not on your account, the deposit will be reversed and the check(s) will be returned to you. Minimum Balance You must always maintain a minimum balance of $5.00 in a prime share account to be entitled to have Electronic Fund Transfer services made available to you. Cash withdrawals and other payments or transfers made from your account may only be made if your account has an available balance, which is sufficient to fully perform the transaction. We reserve the right to increase the minimum balance requirements or to impose other restrictions in the future, but if we do so we will give you at least 21 days advance written notice. ATM Maximum Withdrawal The maximum amount you may withdraw from your accounts through an ATM will be limited to $500.00 per day. Point of Sale Maximum Withdrawal Point of Sale (POS) withdrawals may not exceed the limit of $2,500 per business day (providing the amount is available in your share draft account).
Fees for Electronic Fund Transfers. All EFT related fees are disclosed in our separate Fee Schedule, given to you when you opened your account and available on request.
Fees for Electronic Fund Transfers. There are certain fees and charges for electronic fund transfer services we offer which you agree to pay. For a current listing of all applicable fees and charges, see our current Fee Schedule, which is incorporated by reference into this disclosure and the receipt of which you hereby acknowledge. When you use an ATM not owned by us, the ATM operator may charge you a fee for any network used, and you may be charged a fee for a balance inquiry even if you do not complete the fund transfer.
Fees for Electronic Fund Transfers. At the present time, we make no charge to you or to your asset account(s) for the making of “electronic fund transfers” as described in Subsection E, or for the right to make such transfers, except when limitations are exceeded on the number of transactions made at an ATM and for BillPay Plus services, when applicable. There may be a charge for additional or replacement Cards. There may also be transfer, overdraft, and/or non-sufficient fund fees for overdrafts created in your account(s). Refer to our Fee Schedule for current fees. We reserve the right to impose, or change such fees, if we deem it necessary. We will give you at least twenty-one (21) days advance written notice before imposing or increasing any such fee. If you use an ATM that is not operated by us, you may be charged a fee by the operator of the ATM and/or by an automated transfer network. If you use your Card to make a transaction in a country outside the United States, you will be charged an International Transaction Fee, regardless if the transaction is made in foreign currency or U.S. currency. Refer to our current Fee Schedule for the applicable ATM/Debit/Credit Card International Transaction Fee. If the transaction is made in foreign currency, the transaction will be converted to U.S. Dollars. The currency conversion rate will be either a rate selected by Visa or the Plus network from the range of rates available in wholesale currency markets for the applicable central processing date, which may vary from the rate Visa or Plus itself receives, or the government mandated rate in effect for the applicable central processing date. We reserve the right to change this fee, upon notice, in the future.
Fees for Electronic Fund Transfers. All fees associated with your EFTs are disclosed in our Fees brochure, which accompanies this Agreement and is incorporated herein by reference. Any fees charged will be deducted from your checking or Share Savings account. The Credit Union reserves the right to impose fees at a future date after we give you notice of such charges as required by law. If you have been issued an additional card (whether a Debit Card or Visa Credit Card) for a joint owner or authorized user on your account, any applicable transaction fees outlined in our Fees brochure will be based on combined transactions. Withdrawals from more than one account or additional withdrawals from the same account during a single access will be counted as multiple withdrawals. Generally, transaction fees will be charged to your account within two (2) business days from the day they are incurred. The fee may not be recorded on the transaction receipt produced by the ATM, but it will be itemized on your monthly statement. If you use an ATM that is not operated by us, you may be subject to additional fee(s) imposed by another financial institution, merchant and/ or by an automated transfer network. You may be charged a fee for a balance inquiry even if you do not complete a funds transfer. This practice is known as “surcharging” and is in addition to any ATM fees charged by us. The Credit Union will also charge fees as disclosed in the Fees brochure for each transaction you perform at non-proprietary ATMs; for example, if you check your balance and withdraw money at a non-proprietary ATM, you will be charged fees for both transactions.
Fees for Electronic Fund Transfers. Except as indicated elsewhere, we do not charge for electronic funds transfers. Business Days. Our business days for electronic funds transfers are Monday through Friday, excluding federal holidays. Release of Account Information We may release information regarding your account and the transactions you perform in accordance with the Privacy Policy set forth above. Change in Terms/Termination of Service We may add, delete or amend the terms or terminate your use of our electronic fund transfer services at any time, with or without cause. We may immediately terminate your electronic fund transfer service if; you breach this or any other agreement with us; we have reason to believe that there has been or may be an unauthorized use of your account; there are conflicting claims to the funds in your account; or any of you requests that we do so. Automated Teller Machine (ATM) and Point-of-Sale Card If you are approved for an ATM/Visa Debit card, the agreement applicable to that service will accompany your card(s). You agree to be bound by its terms and conditions unless you promptly cut the card(s) in half and notify us in writing that you do not agree to the terms. Your use of the card(s) will be additional evidence of your agreement to the terms. Proponent Federal Credit Union Deposited Funds Availability Schedule Our funds availability schedule is designed to make funds available from your deposits as quickly as possible. The availability of funds may be delayed and the delay depends on the type of cash or non-cash deposit you make. If the availability of funds is delayed, you may not withdraw the funds and we will not use the funds to pay checks that you have written. The checks must be payable to the depositor and must be endorsed properly. Please take the time to review this schedule. By understanding how the availability of cash and non-cash deposits is determined, it will be easier for you to manage your account and realize the benefits of banking with Proponent.
Fees for Electronic Fund Transfers. At the present time, we make no charge to you or to your asset account(s) for the making of “electronic fund transfers” as described in Section E, or for the right to make such transfers, except when limitations are exceeded on the number of transactions made at an automated teller machine and for BillPay Plus services. There may be a charge for additional or replacement Automated Teller Machine and/or Visa MoneyKey ATM/Check cards. There may also be transfer, overdraft, and/or non-sufficient fund fees for overdrafts created in your account(s). Refer to our Business Accounts Fee Schedule for current fee amounts. We reserve the right to impose, or change such charges, if we deem it necessary. We will give you at least twenty-one (21) days advance written notice before imposing or increasing any such charge. If you use an automated teller machine that is not operated by us, you may be charged a fee by the operator of the machine and/or by an automated transfer network. If you use your Automated Teller Machine Card and/or Visa MoneyKey ATM/Check Card to make a transaction in a country outside the United States, you will be charged an International Transaction Fee. If the transaction is made in foreign currency, the transaction will be converted to U.S. Dollars. The currency conversion rate will be either a rate selected by Visa or Cirrus from the range of rates available in wholesale currency markets for the applicable central processing date, which may vary from the rate Visa or Cirrus itself receives, or the government mandated rate in effect for the applicable central processing date. All transactions made outside the United States will be charged an International Transaction Fee regardless if the transaction is made in foreign currency or U.S. currency, in each instance, plus or minus any adjustment determined by the Issuer. See our current fee schedule for ATM/Debit/Credit Card International Transaction Fee for the current fee amount. We reserve the right to change this fee, upon notice, in the future.
Fees for Electronic Fund Transfers. We reserve the right to impose fees, and to thereafter increase them, if we deem it necessary. We will give you at least 21 days advance written notice before imposing a new fee or increasing an existing one.
