LIABILITY FOR UNAUTHORIZED USE. If any Card is lost or stolen or otherwise may be used without your permission (express or implied), you must immediately notify us orally or in writing at the following phone number or address: 0-000-000-0000 or at TIB, National Association, P.O Box 569120, Dallas, Texas 75356-9120. If unauthorized use of a Card occurs before you notify us of the loss, theft or unauthorized use, you may be liable up to a maximum amount of $50. If unauthorized use of a Credit Device occurs, you may be liable for all of the unauthorized use.
LIABILITY FOR UNAUTHORIZED USE. Telephone Us at once at (000) 000-0000, or write to Us at the address shown in this Agreement if You believe Your Card or PIN have been lost or stolen, or if you believe that an electronic fund transfer has been made without Your permission using information from Your check. Telephoning is the best way of keeping Your possible losses down. You could lose all of the money in Your Account (plus Your maximum overdraft line of credit, if applicable). If You tell us within two business days after You learn of the loss or theft of Your Card or PIN, You can lose no more than $50.00 if someone uses Your Card or PIN without Your permission. If You fail to tell Us within two business days after You learn of the loss or theft of Your Card or PIN and We can prove that We could have stopped someone from using Your Card or PIN without Your permission if You had told Us, then You could lose as much as $500.00. Additionally, if Your periodic statement shows transfers that You did not make, including those made by Card, PIN or other means, You will tell Us at once. If You fail to tell Us within 60 days after We mail You the first periodic statement on which the transfer appears, You could lose the entire Account balance if We can prove We could have stopped someone from taking Your money if You had given Us notice in time. If a valid reason (such as a long trip or hospital stay) keeps You from giving Us notice, We will extend the time periods. Exception: You will have no liability for unauthorized use for Your VISA Debit Card as long as You report the loss or theft of Your VISA Debit Card within two business days. If You report such loss or theft after two business days, or provide proper notification of other unauthorized VISA Debit Card transactions, Your liability for unauthorized use will not exceed $50.00. These exceptions do not apply to transactions originating at an ATM or from Your gross negligence and/or fraudulent use of Your VISA Debit Card. IN CASE OF ERRORS OR IF YOU HAVE QUESTIONS ABOUT ELECTRONIC TRANSFERS. Telephone Us at (000) 000-0000, or write to Us at ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE (continued) the address shown in this Agreement as soon as You can, if You think Your statement or receipt is wrong or if You need more information about a transaction listed on the statement or receipt. We must hear from You no later than 60 days after We send You the first statement on which the problem or error appeared.
LIABILITY FOR UNAUTHORIZED USE. In case an electronic fund transfer is made from your HSA Deposit Account without your authorization, you should know the steps you must take. Tell us AT ONCE if you believe that your online banking PIN or Password has been lost, stolen, or used without your permission, or if you believe that an electronic fund transfer has been made without your permission, for example, using information from your check. If you believe that an unauthorized electronic fund transfer has been made from your Deposit Account, call or write us at the phone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information.” You will be responsible for any unauthorized electronic fund transfer from your Deposit Account, even if you did not authorize it, if you do not notify us within 60 days after you receive your HSA statement or electronic statement information. If you report a transaction involving your HSA to us at the telephone number or address shown at the end of these Regulatory Disclosures under “UMB Contact Information” within two (2) business days of when you learn of the loss or theft of your PIN and/or Password, you can lose no more than $50 if someone used those codes and withdrew the funds without your permission. If you do not contact us as stated above within two (2) business days of when you learned of the loss or theft of those codes, and we can prove that we could have stopped someone from performing other unauthorized transactions, you could lose as much as $500. If your HSA Deposit Account statement shows transfers you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement or electronic statement information was made available to you, you may not get back any money you lost after the sixty (60) days, if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason, such as a hospital stay or a long trip, kept you from telling us, we will extend the time periods
LIABILITY FOR UNAUTHORIZED USE. The following applies to electronic funds transfers that debit a consumer's Account, and does not apply to non-consumer and/or commercial Accounts. Telephone Us AT ONCE at (000) 000-0000 if You believe Your Card, PIN or Access Code have been lost or stolen, or if You believe that an electronic fund transfer has been made without Your permission using information from Your check. Telephoning is the best way of keeping Your possible losses down. You could lose all of the money in Your Account (plus Your maximum overdraft line of credit, if applicable). If You tell Us within two business days after You learn of the loss or theft of Your Card or PIN, You can lose no more than $50.00 if someone uses Your Card or PIN without Your permission. If You do NOT tell Us within two business days after You learn of the loss or theft of Your Card or PIN and We can prove that We could have stopped someone from using Your Card or PIN without Your permission if You had told Us, You could lose as much as $500.00. Also, if Your statement shows transfers that You did not make, including those made by Card, PIN or other means, tell Us at once. If You do not tell Us within 60 days after the statement was mailed to You, You may not get back any money You lost after the 60 days if We can prove that We could have stopped someone from taking the money if You had told Us in time. If a good reason (such as a long trip or hospital stay) kept You from telling Us, We will extend the time periods.
LIABILITY FOR UNAUTHORIZED USE. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE 00000-0000 or call us at 0-000-000-0000. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. RATES AND TERMS SCHEDULE Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 19.99%. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 19.99%. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 25.24%. This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies None Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire new balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. Fees Set-up and Maintenance Fees ● Annual Fee $35 ● Monthly Fee None Transaction Fees ● Balance Transfer Either $10 or 5% of the amount of each transfer, whichever is greater ● Cash Advance Either $15 or 5% of the amount of each cash advance, whichever is greater ● Cash Equivalent Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater ● Foreign Transaction 3% of each transaction in U.S. dollars Penalty Fees ● Late Payment Up to $40 ● Returned Payment (Payment Dishonored) Up to $35 How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)". See your Cardmember Agreement for more details. Index And When It Is Determined: We use the U.S. Prime Rate as published in the "Money Rates" section ofThe Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ...
LIABILITY FOR UNAUTHORIZED USE. If your Card, Account number, or Credit Card Checks are lost or stolen, or if you think that someone used or may use them without permission, you agree to notify the Bank immediately by calling 1-888- 000-0000. You may need to provide the Bank with certain information in writing to help the Bank determine what happened. You are not liable for loss, theft, or unauthorized use of your Card, Card Account, or Credit Card Check if you notify the Bank of any fraudulent transactions.
LIABILITY FOR UNAUTHORIZED USE. The Receiving Party will be liable to the Disclosing Party for any unauthorized disclosure or use of Confidential Information in violation of this Agreement by its Affiliates and any of its and its Affiliates’ current or former Personnel.
LIABILITY FOR UNAUTHORIZED USE. You may be liable for the unauthorized use of your Credit Card. You will not be liable for unauthorized use that occurs after you notify the Credit Union orally or in writing, of any such loss, theft, or possible unauthorized use. In any case, your liability will not exceed $50.00 for unauthorized cash advances at ATM’s. You will have no liability for unauthorized purchases made with your card.
LIABILITY FOR UNAUTHORIZED USE. Under MasterCard’s® zero liability policy, you will not be liable for an unauthorized transaction, as long as you exercised reasonable care in safeguarding the card from risk of loss or theft, and upon becoming aware, promptly notify our designee orally or in writing of the loss, theft, or possible unauthorized use at Card Services, Dispute Processing, P.O. Box 10409, Des Moines, IA 50306, Telephone Number 0.000.000.0000. In any case, your maximum liability for unauthorized use of the Card will not exceed $50.00 and you will not be liable for any unauthorized use that occurs after you notify our designee of the address or telephone number above. SKIP PAYMENT OPTION: We may designate a billing period in which you will have an option to skip a payment or pay less than the Minimum Payment Due. If you exercise this option, FINANCE CHARGES will accrue based on your “Average Daily Balance” as described in the GECU Credit Card Agreement and Disclosure Statements.
LIABILITY FOR UNAUTHORIZED USE. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE 00000-0000 or call us at 0-000-000-0000. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50.00.
