Common use of Transfer Types Clause in Contracts

Transfer Types. The following electronic fund transfer services are available on request and subject to approval. Certain services may require a written application. ATM Card – You may use your ATM Card and PIN to: • Withdraw cash from your Savings Accounts at ATMs and other places that accept the ATM Card. • Obtain balance information on your Savings Accounts at an ATM Some of these services may not be available at all terminals or for all Accounts. Debit MasterCard® -- You may use your Debit MasterCard Check Card to: • Pay for purchases from your Checking Account at places that display the MasterCard logo or have agreed to accept the Card • Receive cash back with a purchase at places that display the MasterCard logo or have agreed to accept the Card • Additional services may also be available Some of these services may not be available at all terminals or for all Accounts. Signature-based transactions at point-of-sale terminals do not require a PIN but may require positive identification. When you use your Check Card, you authorize the Credit Union to debit your Account for the total amount of the transaction as may be shown on any sales draft, receipt, or voucher originated by the use of the Check Card, regardless of whether any such document is signed by you. Your Check Card also functions as an ATM Card. Using your Check Card and PIN, you may perform the following types of transactions at ATMs: • Withdraw cash from your Checking and Savings Accounts at ATMs • Check the balance in your Checking and Savings Accounts at ATMs Some of these services may not be available at all terminals or for all Accounts. Transfer Limitations for ATM Card and Debit MasterCard Transactions • When you use your ATM Card or your Check Card at ATMs and point-of-sale terminals, you may withdraw a maximum of $1,000 of your available Account balance per day in cash. A purchase transaction may be required in order to withdraw cash at a point-of-sale terminal. • When you use your Check Card at merchants and point-of-sale terminals to purchase goods and services, you may withdraw a maximum of $1,500 of your available Account balance per day. • Certain transfer limitations may be imposed from time to time when fund transfer systems are unavailable. Merchants and fund transfer systems also may impose transfer limits. • For your protection, international ATM and point- of-sale transactions are blocked on your Card. Before you travel outside of the continental United States, Alaska, or Hawaii, you may contact us to request a temporary removal of the block. See Section 2 below for additional transfer limitations that apply to ATM/Debit Card transactions. Transfer Limitations – Transfers and withdrawals generally may be made up to the available balance in your Account. See Section 2 below for additional transfer limitations that apply to Audio Teller transactions. Online Banking and Bill Payment Service You may use your email address and your services PIN to: • Transfer funds between your Checking, Savings, and Money Market Accounts • Obtain recent Account history and balance information for your Accounts • Make payments on your loan accounts with us • Make bill payments to approved merchants and other approved parties from your Checking Account • Make bank to bank transfers to other financial institutions. Some of these services may not be available for all Accounts. Your contractual arrangement for the Online Banking and Bill Payment Service provides for additional terms, conditions, and limitations. Transfer Limitations – Any single bill payment may not exceed $2,000. Please refer to Section 2 below for additional transfer limitations that apply to Online Banking transactions. Direct Deposit and Preauthorized Withdrawal Transfers You may make arrangements for certain direct deposits to be accepted into your Checking and Savings Accounts or to pay certain recurring bills from your Checking and Savings Accounts. Some of these services may not be available for all Accounts.

Transfer Types. The following electronic fund transfer services When you use a card with your PIN, you authorize us to accept deposits, make transfers and permit withdrawals and advances from or deposits and payments to your accounts with us. All cards remain the property of the Bank, and are non-transferable. Subject to there being sufficient available balances in your account and other restrictions we may place on request and subject to approval. Certain services may require a written application. ATM Card – You your use, you may use your ATM Card and PIN card to: • Withdraw available cash from your Savings Accounts linked savings or checking accounts; • Make deposits to your linked checking or savings account at ATMs one of our ATMs; • Transfer funds between your linked checking and other places savings accounts; • Initiate point-of-sale (POS) transactions by using your card and PIN to pay for purchases at merchant locations that have agreed to accept the card. A card may be used with a PIN, with a signature or without either, for POS transactions to purchase goods and services at any merchant location that displays the Visa logo; • Obtain a cash advance at financial institutions that accept Debit Cards with the ATM Card. Visa logo; and • Obtain the balance information on or transaction history of your Savings Accounts at an ATM linked checking or savings accounts. Information may not reflect recent transactions, and may include funds which are not available for immediate withdrawal. Some of these services may not be available at all terminals ATMs, terminals, or for all Accounts. Debit MasterCard® -- You may use your Debit MasterCard Check Card to: • Pay for purchases from your Checking Account at places that display the MasterCard logo or have agreed to accept the Card • Receive cash back with a purchase at places that display the MasterCard logo or have agreed to accept the Card • Additional services may also be available Some of these services may not be available at all terminals or for all Accounts. Signature-based transactions at point-of-sale terminals do not require a PIN but may require positive identificationmerchant locations. When you use your Check Cardcard at any electronic terminal operated by another institution or company, you authorize the Credit Union amount, frequency, and type of transactions may be subject to debit your Account for limitations or fees imposed by the total amount operator of the transaction as terminal, in addition to those disclosed in our Schedule of Fees and Charges. Issuance of a Card Subject to qualification, the Bank may be shown on any sales draft, receipt, or voucher originated by issue a card to each cardholder to access the use of the Check Card, regardless of whether any such document is signed by you. Your Check Card also functions as account(s) that are linked to your card (a “Linked Account”) at Automated Teller Machines (an ATM Card. Using your Check Card “ATM”) and PIN, you may perform the following types of transactions at ATMs: • Withdraw cash from your Checking and Savings Accounts at ATMs • Check the balance in your Checking and Savings Accounts at ATMs Some of these services may not be available at all terminals or for all Accounts. Transfer Limitations for ATM Card and Debit MasterCard Transactions • When you use your ATM Card or your Check Card at ATMs and pointPoint-of-sale terminalsSale (POS) network merchant transactions. Protecting the Card and PIN Take care of the card and PIN as you would your checks and other important documents. Each cardholder must have their own unique PIN for the card, which may be embossed or printed with the cardholder’s name. Each cardholder is responsible for maintaining the confidentiality of the PIN. Memorize the PIN. Never write the PIN on the card or share it with anyone, including Bank personnel. Never allow anyone else to use, borrow, or obtain the card or PIN. If the card and/or PIN are given to another person, you may withdraw a maximum of $1,000 of will be responsible for all transactions made by that person. Each cardholder should care for their card as they would any other valuable that they carry with them: • To protect your available Account balance per day in cash. A purchase transaction may be required in order to withdraw cash at a point-of-sale terminalaccount, the Bank recommends that you change your PIN every six (6) months. • When selecting your PIN, do not use any number or word that appears in your wallet (such as birth date, name, or address). • Memorize your PIN and never share it with anyone. • Shop with merchants you know and trust. • Regularly review your account statements as soon as you receive them to verify transactions. Contact the Bank immediately if you identify any discrepancies. • Make sure any Internet purchase activity you engage in is secured with encryption to protect your account information. Look for “secure transaction” symbols. • Do not send your card number through email, as it is typically not secure. Don’t provide it over the phone unless you initiated the call. • Always be sure to log off any site after a purchase transaction is made with your card. If you cannot log off, shut down your browser to prevent unauthorized access to your account information. • If you receive a replacement card, be sure to destroy your old card. Stay Safe at the ATM • Be prepared. Get your transactions ready beforehand. Have your card in hand when you approach the ATM. • Stay alert. If you observe suspicious activity near you, cancel your transaction and return at another time, or use an ATM elsewhere. • Bring someone with you. If you use the ATM at night, don’t come alone. Avoid poorly maintained or poorly lighted locations. • Shield the ATM screen. Block the ATM with your Check Card at merchants body when you input your PIN so others can’t see your secret code. • Take your receipt when you leave the ATM. Don’t put it in a nearby trash receptacle. It contains valuable information for your records and point-of-sale terminals to purchase goods and services, you may withdraw a maximum of $1,500 should never be left behind. • Pocket your cash immediately. You can count it in the safety of your available Account balance per daycar, office or home. • Certain transfer limitations At the Drive-Up, keep your engine running. Make sure your windows are closed and doors are locked. Allow for space between cars, which allows for a quick exit if necessary. Account Linkages The Bank shall determine the number and type of accounts that can be linked as “Linked Accounts” to your card. You may be imposed link such additional Linked Accounts to your card as the Bank permits from time to time when fund transfer systems are unavailabletime. Merchants and fund transfer systems also The permitted linkages may impose transfer limitsvary depending on the type of card. • For The Bank may link to your protection, international ATM and point- of-sale transactions are blocked on your Card. Before you travel outside card any or all of the continental United Statesaccounts on which you are an authorized signer, Alaska, or Hawaii, unless you may contact us request the Bank not to request a temporary removal of the block. See Section 2 below for additional transfer limitations that apply to ATM/Debit Card transactions. Transfer Limitations – Transfers and withdrawals generally may be made up to the available balance in your Account. See Section 2 below for additional transfer limitations that apply to Audio Teller transactions. Online Banking and Bill Payment Service You may use your email address and your services PIN to: • Transfer funds between your Checking, Savings, and Money Market Accounts • Obtain recent Account history and balance information for your Accounts • Make payments on your loan accounts with us • Make bill payments to approved merchants and other approved parties from your Checking Account • Make bank to bank transfers to other financial institutions. Some of these services may not be available for all Accounts. Your contractual arrangement for the Online Banking and Bill Payment Service provides for additional terms, conditions, and limitations. Transfer Limitations – Any single bill payment may not exceed $2,000. Please refer to Section 2 below for additional transfer limitations that apply to Online Banking transactions. Direct Deposit and Preauthorized Withdrawal Transfers You may make arrangements for certain direct deposits to be accepted into your Checking and Savings Accounts or to pay certain recurring bills from your Checking and Savings Accounts. Some of these services may not be available for all Accountslink specific accounts.

Transfer Types. The following electronic fund transfer services are available on request available: Debit MasterCard and subject to approval. Certain services may require a written application. ATM Card Debit Business MasterCard Account Access – You may use your ATM Card and PIN to: • Withdraw cash from your Savings Accounts at ATMs and other places that accept the ATM Card. • Obtain balance information on your Savings Accounts at an ATM Some of these services may not be available at all terminals or for all Accounts. Debit MasterCard® -- You may use your Debit MasterCard Check Card to: • Pay for purchases from your Checking Account at places that display the MasterCard logo or have agreed to accept the Card Card. • Receive Obtain cash back with from a purchase at places that display merchant, if the MasterCard logo or have agreed to accept the Card • Additional services may also be available Some of these services may not be available at all terminals or for all Accounts. Signature-based transactions at point-of-sale terminals do not require a PIN but may require positive identification. When you use your Check Card, you authorize the Credit Union to debit your Account for the total amount of the transaction as may be shown on any sales draft, receiptmerchant permits, or voucher originated by the use of the Check Card, regardless of whether any such document is signed by youfrom a participating financial institution. Your Check Card also functions as an automated teller machine (ATM) card. Business Accounts must maintain a Checking Account in good standing with us in order to have ATM access to Business Savings Account(s) using the Card. Using your Check Card and PIN, you may access your Accounts and perform the following types of transactions at ATMs: • Withdraw cash from your Checking and Savings Accounts at ATMs • Check the balance in Transfer funds between your Checking and Savings Accounts at ATMs • Obtain balances for your Checking and Savings Accounts Some of these services may not be available at all terminals or for all AccountsATM terminals. Transfer Limitations – We reserve the right to limit the amount or frequency of withdrawals or transfers and to impose other limits or restrictions on the use of your Card, subject to such notification as is required by applicable law. Please refer to our Rate and Fee Schedule accompanying this Agreement and Disclosures for ATM Card and Debit MasterCard Transactions • When you use your ATM Card or your Check Card at ATMs and a disclosure of daily limits for point-of-sale terminals, you transactions and cash advances. • You may withdraw a maximum of $1,000 of your available Account balance per day in cash. A purchase transaction may be required in order to withdraw cash at a not conduct point-of-sale terminaltransactions from your Savings Account(s). • When you use your Check Card These limits may be lower for ATMs owned by third parties with different rules or by merchants. The types of transactions or amounts that may be withdrawn at merchants and point-of-sale terminals ATMs may vary from machine to purchase goods and services, you may withdraw a maximum of $1,500 of your available Account balance per daymachine. • Certain You may transfer limitations may be imposed from time to time when fund transfer systems are unavailable. Merchants and fund transfer systems also may impose transfer limits. • For your protection, international ATM and point- of-sale transactions are blocked on your Card. Before you travel outside of the continental United States, Alaska, or Hawaii, you may contact us to request a temporary removal of the block. See Section 2 below for additional transfer limitations that apply to ATM/Debit Card transactions. Transfer Limitations – Transfers and withdrawals generally may be made amounts up to the balance of the available balance funds in your AccountAccount at the time of the withdrawal or transfer. See Section 2 below • Occasionally, we may allow you to withdraw more than the daily limitations disclosed in our Rate and Fee Schedule. You agree that you will not withdraw more than the amount of funds available in your Account(s). However, if we allow you to use your Card to withdraw an amount exceeding the available funds in your Account(s), you will be responsible for additional all amounts you owe to the Credit Union. Please see the Transfer Limitations section for important information concerning Card transfer limitations that apply to Audio Teller transactionslimitations. Online Banking and Bill Payment Service VIPS - Voice Information Phone System Account Access – You may use your email address and your services PIN Access Code to: • Obtain balances on all Accounts, including Savings, Checking, Certificates of Deposit, and all loans except mortgage and business loans. • Transfer funds between your Savings and Checking Accounts. • Make loan payments from your Savings and Checking Accounts to all loans except mortgage or business loans. • Find out if certain checks have cleared. • Find out the last 10 deposits, last 10 ATM transactions, last 10 ACH deposits, last 10 ACH withdrawals, last 10 payroll deposits, or find out last 10 checks cleared. • Find out year-to-date dividends, last dividend, and prior year dividends. • Find out your year-to-date interest paid on loans and prior year interest paid on loans. • Request that a withdrawal by check from your Savings Account be mailed to the address listed for your Account. • Request an advance on your line-of-credit, if applicable. Please see the Transfer Limitations section for important information concerning VIPS transfer limitations. Online Banking Account Access -- You may use your Access Code to: • Obtain balances on all Accounts, including Savings, Checking, SavingsCertificates of Deposit, and Money Market Accounts all loans. • Obtain recent Transfer funds between your Savings and Checking Accounts. • Make loan payments from your Savings and Checking Accounts. • Find out if certain checks have cleared. • Find out year-to-date dividends, last dividend, and prior year dividends. • Find out your year-to-date interest paid on loans and prior year interest paid on loans. • Find out the current Annual Percentage Rate on loans. • Find out the current Annual Percentage Yield on Savings Accounts, Checking Accounts, and Certificates of Deposit. • View a summary of all your deposits and loan account balances. • Review Account history of Savings Accounts, Checking Accounts, Certificates of Deposit, and balance Loan Accounts. Please see the Transfer Limitations section for important information for your Accounts • Make payments on your loan accounts with us • Make bill payments concerning Online Banking transfer limitations. Xxxx Payment Service You may arrange to approved merchants and other approved parties have bills paid from your Checking Account • Make bank to bank transfers to other financial institutions. Some of these services may not be available for all Accountsthrough the Xxxx Xxxxx service. Your contractual arrangement for the Online Banking and Bill Payment Xxxx Xxxxx Service provides for additional terms, conditions, disclosures and limitations. Transfer Limitations – Any single bill payment may not exceed $2,000. Please refer to Section 2 below the Terms and Conditions of the Xxxx Payment Service for additional transfer limitations that apply to Online Banking transactionsmore information. Direct Deposit and Preauthorized Withdrawal Transfers You may make arrangements for certain direct deposits to be accepted into your Checking and or Savings Accounts or to pay certain recurring bills from your Checking and or Savings Accounts. Some of these services may not be available Please see the Transfer Limitations section for all Accountsimportant information concerning preauthorized withdrawal transfers.

Transfer Types. The following electronic fund transfer trans- fer services are available on request and subject to approval. Certain services may require a written application. ATM Card – You may use your ATM Card and PIN toavailable: • Withdraw cash from your Savings Accounts at ATMs and other places that accept the ATM Card. • Obtain balance information on your Savings Accounts at an ATM Some of these services may not be available at all terminals or for all Accountsterminals. VISA Debit MasterCard® -- Card Account Access You may use your VISA Debit MasterCard Check Card to: • Pay and PIN to per- form the same types of transactions as disclosed above for purchases from your Checking Account at places that display the MasterCard logo or have agreed to accept the Card • Receive cash back with a purchase at places that display the MasterCard logo or have agreed to accept the Card • Additional services may also be available Some of these services may not be available at all terminals or for all AccountsATM Card. Signature-based transactions at point-of-sale terminals transac- tions do not require a PIN but may require positive identification. When you use your Check Card, you authorize the Credit Union to debit your Account for the total amount of the transaction as You may be shown on any sales draft, receipt, or voucher originated by the use of the Check Card, regardless of whether any such document is signed by you. Your Check Card also functions as an ATM Card. Using your Check Card and PIN, you may perform the following types of transactions at ATMswith your VISA Debit Card: • Withdraw cash from your Savings and Checking Ac- counts from ATMs that displays the appropriate logo • Transfer funds between your Checking and Savings Accounts at ATMs • Check Inquire as to the balance in your Checking and Savings Sav- ings Accounts at ATMs Some of these services may not be available at all terminals or • Pay for all Accounts. Transfer Limitations for ATM Card and Debit MasterCard Transactions • When you use your ATM Card or your Check Card at ATMs and point-of-sale terminals, you may withdraw a maximum of $1,000 of your available Account balance per day in cash. A purchase transaction may be required in order to withdraw cash at a point-of-sale terminal. • When you use your Check Card at merchants and point-of-sale terminals to purchase goods and servicesservices from your Checking Ac- count at places that have agreed to accept VISA • Obtain cash from a merchant (from your Checking Account) if the merchant permits you to do so • Obtain cash advances from any financial institution that displays the VISA logo KayDe, you may withdraw a maximum of $1,500 of your available 24-Hour Telephone Teller Account balance per day. Access • Certain transfer limitations may be imposed from time to time when fund transfer systems are unavailable. Merchants and fund transfer systems also may impose transfer limits. • For your protection, international ATM and point- of-sale transactions are blocked on your Card. Before you travel outside of the continental United States, Alaska, or Hawaii, you may contact us to request a temporary removal of the block. See Section 2 below for additional transfer limitations that apply to ATM/Debit Card transactions. Transfer Limitations – Transfers and withdrawals generally may be made up to the available balance in your Account. See Section 2 below for additional transfer limitations that apply to Audio Teller transactions. Online Banking and Bill Payment Service You may use your email address and your services Audio Response PIN to: • Transfer funds between your Checking, Savings, Checking and Money Market Savings Accounts • Request that a check be mailed to your address on file for a withdrawal from your Checking or Savings Accounts • Obtain your recent Account history history, account and balance bal- ance information for your Accounts • Make payments on your loan accounts with us • Request funds from your line of credit (if available and applicable) to be transferred to your Savings or Checking Account eBranch, Online Banking and Bill Pay You may use your Online Banking PIN to: • Transfer funds from your Savings and Checking Ac- counts • Obtain your recent Account history, account and bal- ance information • Make payments on your loans with us from your Checking and Savings Accounts • Make bill payments to approved merchants and other approved parties from your Checking Account • Make bank to bank transfers to other financial institutions. Some of these services may not be available for all Accounts. Your contractual arrangement for the Online Banking and Bill Payment Service provides may provide for additional terms, conditions, disclosures, and limitations. Transfer Limitations – Any single bill payment may not exceed $2,000. Please refer to Section 2 below for additional transfer limitations that apply to Online Banking transactions. Direct Deposit and Preauthorized Withdrawal Transfers Trans- fers You may make arrangements for certain direct deposits to be accepted into your Checking and or Savings Accounts or to pay certain recurring bills from your Checking and or Savings Accounts. Some of these services may not be available for all Accounts.

Transfer Types. The following electronic fund transfer services are available on request and subject to approval. Certain services may require a written application. ATM Card – You may use your ATM Card and PIN to: • Withdraw cash from your Savings Accounts at ATMs and other places that accept the ATM Card. • Obtain balance information on your Savings Accounts at an ATM Some of these services may not be available at all terminals or for all Accounts. Debit MasterCard® MasterCard -- You may use your Debit MasterCard Check Card to: • Pay for purchases from your Checking Account at places that display the MasterCard logo or have agreed to accept the Card • Receive cash back with a purchase at places that display the MasterCard logo or have agreed to accept the Card • Additional services may also be available Some of these services may not be available at all terminals or for all Accounts. Signature-based transactions at point-of-sale terminals do not require a PIN but may require positive identification. When you use your Check Card, you authorize the Credit Union to debit your Account for the total amount of the transaction as may be shown on any sales draft, receipt, or voucher originated by the use of the Check Card, regardless of whether any such document is signed by you. Your Check Card also functions as an ATM Card. Using your Check Card and PIN, you may perform the following types of transactions at ATMs: • Withdraw cash from your Checking and Savings Accounts at ATMs • Check the balance in your Checking and Savings Accounts at ATMs Some of these services may not be available at all terminals or for all Accounts. Transfer Limitations for ATM Card and Debit MasterCard Transactions • When you use your ATM Card or your Check Card at ATMs and point-of-sale terminals, you may withdraw a maximum of $1,000 of your available Account balance per day in cash. A purchase transaction may be required in order to withdraw cash at a point-of-sale terminal. • When you use your Check Card at merchants and point-of-sale terminals to purchase goods and services, you may withdraw a maximum of $1,500 of your available Account balance per day. • Certain transfer limitations may be imposed from time to time when fund transfer systems are unavailable. Merchants and fund transfer systems also may impose transfer limits. • For your protection, international ATM and point- of-sale transactions are blocked on your Card. Before you travel outside of the continental United States, Alaska, or Hawaii, you may contact us to request a temporary removal of the block. See Section 2 below for additional transfer limitations that apply to ATM/Debit Card transactions. Audio Teller Audio Response System You may use your Member Number and Audio Teller PIN to: • Transfer funds between your Checking and Savings Accounts • Request a withdrawal from your Checking, Savings, XXX Savings, and Money Market Accounts by way of a check mailed to your address on file • Obtain recent Account history and balance information for your Accounts • Make payments on your loan accounts with us • Other services may also be available Some of these services may not be available for all Accounts. Transfer Limitations – Transfers and withdrawals generally may be made up to the available balance in your Account. See Section 2 below for additional transfer limitations that apply to Audio Teller transactions. Online Banking and Bill Xxxx Payment Service You may use your email address and your services PIN to: • Transfer funds between your Checking, Savings, and Money Market Accounts • Obtain recent Account history and balance information for your Accounts • Make payments on your loan accounts with us • Make bill xxxx payments to approved merchants and other approved parties from your Checking Account • Make bank to bank transfers to other financial institutions. Some of these services may not be available for all Accounts. Your contractual arrangement for the Online Banking and Bill Xxxx Payment Service provides for additional terms, conditions, and limitations. Transfer Limitations – Any single bill xxxx payment may not exceed $2,000. Please refer to Section 2 below for additional transfer limitations that apply to Online Banking transactions. Direct Deposit and Preauthorized Withdrawal Transfers You may make arrangements for certain direct deposits to be accepted into your Checking and Savings Accounts or to pay certain recurring bills from your Checking and Savings Accounts. Some of these services may not be available for all Accounts.

Transfer Types. The following electronic fund transfer services are available on request and subject to approval. Certain services may require a written application. ATM available: Debit Card Account Access – You may use your ATM Debit Card and PIN toPINto: • Withdraw cash from your Savings Accounts and Checking Accounts. • Transfer funds between your Savings and Checking Accounts. • Check the balance in your Checking and Savings Accounts. • Make a loan payment. • Pay for purchases at ATMs and other places that have agreed to accept the ATM Card. • Obtain balance information on your Savings Accounts at an ATM Some of these services may not be available at all terminals or terminals. Daily Limitations – You may withdraw up to $500 in the aggregate of your available balance per day at ATMs and up to $2,500 in the aggregate of your available balance per day for all Accountsconsumer debit card transactions, for a 24 hour period that runs from midnight to midnight. Debit MasterCard® -- Tellerphone Phone Audio Response System Account Access – You may use your Debit MasterCard Check Card to: • Pay for purchases from your Checking Account at places that display the MasterCard logo or have agreed to accept the Card • Receive cash back with a purchase at places that display the MasterCard logo or have agreed to accept the Card • Additional services may also be available Some of these services may not be available at all terminals or for all Accounts. Signature-based transactions at point-of-sale terminals do not require a PIN but may require positive identification. When you use your Check Card, you authorize the Credit Union to debit your Account for the total amount of the transaction as may be shown on any sales draft, receipt, or voucher originated by the use of the Check Card, regardless of whether any such document is signed by you. Your Check Card also functions as an ATM Card. Using your Check Card and PIN, you may perform the following types of transactions at ATMs: • Withdraw cash from your Checking and Savings Accounts at ATMs • Check the balance in your Checking and Savings Accounts at ATMs Some of these services may not be available at all terminals or for all Accounts. Transfer Limitations for ATM Card and Debit MasterCard Transactions • When you use your ATM Card or your Check Card at ATMs and point-of-sale terminals, you may withdraw a maximum of $1,000 of your available Account balance per day in cash. A purchase transaction may be required in order to withdraw cash at a point-of-sale terminal. • When you use your Check Card at merchants and point-of-sale terminals to purchase goods and services, you may withdraw a maximum of $1,500 of your available Account balance per day. • Certain transfer limitations may be imposed from time to time when fund transfer systems are unavailable. Merchants and fund transfer systems also may impose transfer limits. • For your protection, international ATM and point- of-sale transactions are blocked on your Card. Before you travel outside of the continental United States, Alaska, or Hawaii, you may contact us to request a temporary removal of the block. See Section 2 below for additional transfer limitations that apply to ATM/Debit Card transactions. Transfer Limitations – Transfers and withdrawals generally may be made up to the available balance in your Account. See Section 2 below for additional transfer limitations that apply to Audio Teller transactions. Online Banking and Bill Payment Service You may use your email address and your services PIN personalized passcode to: • Transfer funds between your Savings, Checking, Savings, and Money Market Accounts on which you are an owner. • Obtain your recent Account history and balance information for your Accounts Savings, Checking, and Money Market Accounts. • Make payments from your Savings or Checking Account to your loan accounts with us. SFCU Online Banking, Bill Pay Service, SFCU Mobile and eDeposit Account Access - You may use your Online Banking Account to: • Transfer funds between Credit Union Accounts. • Obtain your recent Account history and balance information for any account you are an owner. • Make payments on loans from your loan accounts with us Checking, Savings and Money Market Accounts. • Make bill payments to approved merchants and other approved parties from your Checking Account Account. • Make bank deposits to bank transfers to other financial institutions. Some of these services may not be available for all Accountsyour account, if qualified, via eDeposit. Your contractual arrangement for the Online Banking Banking, Bill Pay Service, SFCU Mobile and Bill Payment Service provides eDeposit may provide for additional terms, conditions, disclosures, and limitations. Transfer Limitations – Any single bill payment may not exceed $2,000. Please refer to Section 2 below for additional transfer limitations that apply to Online Banking transactions. Direct Deposit and Preauthorized Withdrawal Transfers You may make arrangements for certain direct deposits to be accepted into your Savings or Checking and Savings Accounts or to pay certain recurring bills from your Savings or Checking and Savings Accounts. Some of these services may not be available for all Accounts.