Common use of Using Your Card Clause in Contracts

Using Your Card. The VISA Relationship Card is a prepaid, reloadable stored-value card. It is neither a credit card, nor a NCUA insured deposit account. This card is issued by AFFCU; pursuant to a license from Visa U.S.A, Inc. Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The maximum value credited to the Relationship Card on issue is limited to $2500.00 and no more than $2500.00 can be available for use on the Card at any one time. Activate your Card by calling toll-free, 0-000-000-0000 or visit us online at xxx.XxXXXXX.xxx. You will be required, for validation purposes, to provide personal information. During activation you will be given a PIN. You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card after activation. The Card is non-transferable. The person whom the card is purchased for is the only person authorized to use the Card. Please do not give your Card to anyone else to use. You are responsible for all authorized transactions made with this Card. Only the purchaser can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. When you use your Card at an automated gas station pump a minimum of $99 available credit may be required on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require of minimum credit of $15. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Should you use your Card to pre-authorize a hotel reservation, add 20% to the reservation. Any amount requested in a pre-authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If thirty days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental and/or cruise ship businesses, likewise add 15% to the rental to allow for any additional expenses. If 30 days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be as the final bill. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card. If your account is a personalized account, is in good standing, and has greater than a $0 balance, it will automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. For Your Safety When Using an ATM, Please Observe the Following If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction, then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. Card Activity Information You can review your Card balance and the last 5 transactions activity records by calling toll-free 0-000-000-0000 or by visiting www.GoAFFCU. com where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your AFFCU VISA Relationship Card account number and some of the information requested when you ordered the Card are required for authentication. Card Reloading You can add value of at least $10 on your Relationship Card by making a payment at your local AFFCU branch. Personalized cards have unlimited reload capabilities. You can also add value at xxx.XxXXXXX.xxx or by calling toll free 0-000-000-0000 by initiating funds transfer from your designated funding account. Funds may not be available for immediate use after you have initiated the transfer. ATM Usage The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. A fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Relationship Card Account Fees and Charges Card Fee – $5.00.

Appears in 2 contracts

Samples: goaffcu.com, goaffcu.com

AutoNDA by SimpleDocs

Using Your Card. The VISA Relationship Card is a prepaid, reloadable stored-value card. It is neither a credit card, nor a NCUA insured deposit account. This card is issued by AFFCU; pursuant to a license from Visa U.S.A, Inc. Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also can use your card at merchants who accept VISA debit cards worldwidethose retailers listed on the website. The maximum value credited We reserve the right to add or remove retailers from this list, as notified on the website. Removing retailers is not regarded as a change in these Terms and Conditions; such changes are out of our control. It is your responsibility to ensure that the balance on your card is greater than or is equal to the Relationship Card value of the purchase you are intending to make. Please call our IVR system on issue is limited 0330 123 1106 to $2500.00 and no more than $2500.00 can be available for use on the Card at any one timecheck your balance. Activate your Card by calling toll-free, 0-000-000-0000 or visit us online at xxx.XxXXXXX.xxx. You will be required, for validation purposes, to provide personal information. During activation If you will be given a PIN. You may also select your own PIN. You will need your PIN to access cash from ATMs and wish to use at Interlink merchants. Be sure your card in store for a purchase which, including any applicable fees, is greater in value than the balance on your card, you must tell the retailer to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card after activation. The Card is non-transferable. The person whom the card is purchased for is the only person authorized to use the Card. Please do not give your Card to anyone else to use. You are responsible for all authorized transactions made with this Card. Only the purchaser can load funds to the account. You may only use the Card when there is a balance available on the Card and charge only up to the amount left available balance on your card and that you will pay the difference by other means (such as another card / cash). It is at the retailer's discretion to allow part payments. We and the retailer will treat any transaction as genuine and made by you when: • Your card has been used in store, especially when your signature was confirmed on the Card and any transaction fee due. All use at an ATM receipt; • If available on your card, you have used the contactless payment facility on your card for payment in store; • Your card security details, only known to you, were used when paying with your card online or for purchases will be deducted from your Card, including any transaction feesover the phone. Any transaction made that exceeds the available balance will be declinednoted against your balance immediately but may remain in pending status until the retailer settles the payment. Some Interlink During the time that a payment is pending you cannot use these funds. It is up to the retailer how long funds are kept in pending status. Any fees (see Fees and VISA merchants mayCharges) will be taken from your card balance when they become payable. You will not be charged a card usage fee for domestic transactions. You cannot stop any transactions once made. However, subject any transaction that is agreed by a retailer to limits, allow take place on a future date (after the date you to use your Card for cash-back on purchases and cash authorise the transaction) may be advanced withdrawn. To withdraw a transaction, you need to give the retailer at least one (1) full business day notice of your intent, providing a Visa affiliated financial institutioncopy of this notice to us. When We may charge you use your Card at an automated gas station pump a minimum of $99 available credit may be required on the Card to enable gas to be dispensed Administration Fee for this (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processedsee Fees and Charges). If your available balance is less than thisnot enough to cover the amount of the transaction plus any applicable fees (see Fees and Charges), please pay the attendant in the gas station. If payment transaction will be declined; unless: • Some retailers require you use the Card to make a telephone call this can require of minimum credit of $15. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Should you use your Card to pre-authorize authorise a hotel reservationpayment before the value of the final bill is known. For example, add 20% to restaurants or hotels may ring-fence a balance greater than the reservationexpected final bill on your card and then settle the actual final bill later, without checking the balance available at that time again. Any amount requested in a preOnce the retailer has ring-authorization fenced the expected bill balance, these funds will not be available to for you to spend using use until the Card, although you will only be finally debited with the actual amount you spendfinal bill is settled. If thirty the final bill is less than the expected bill, it may take up to fifteen (15) days elapse without you authorizing an amount for the difference to be added back to your card. The retailer determines the length that any ring-fenced balance is kept after the final bill is settled. If the final bill is larger than the pre-authorization authorised amount, this may result in your card going into negative balance. • Certain retailer websites will be cancelled and this will be available to you. Automobile rental and/or cruise ship businesses, likewise add 15% to the rental to allow for any additional expenses. If 30 days elapse without you authorizing an amount any also send pre-authorization will be cancelled and authorisation request to check if there are suffice funds available on your card to cover the value of your order, even when this will be order is not finalised yet or when you have not proceeded to checkout. Here too the retailer may not check the available to you. Mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be as balance before settling the final bill. When making a purchase on the phonepayment, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store resulting in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card. If your account is a personalized account, is in good standing, and has greater than a $0 balance, it will automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount funds either remaining in a ring-fenced status or resulting in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below)card going into negative balance. We may change the terms of this Agreement refuse to execute a transaction: • If we reasonably suspect that your card is being used in an unauthorised, fraudulent, or any features of the Card, and grossly negligent manner; • Or if we believe that an attempted or intended transaction would be unlawful. If we refuse to authorise a transaction we will give you notice of any such change required by lawthe reason for the refusal, if practicable (unless it would be unlawful for us to do so). Any entity honoring If we terminate the Card is required programme, we may: • Charge you monthly the Administration Fee (see Fees and Charges); • No longer issue you a replacement card when you report your card lost or stolen; • Cancel your card. If we choose to obtain approval or authorization for any transactioncancel your card, we will notify you two (2) months before your card will cease to work. The balance available for authorizing transactions with Your right to redeem the Card is the lesser of your available balance or any dollar limitation disclosed for remains unaffected (see Redeeming Your Card Balance). As your card is a prepaid card, if it goes into negative balance we will notify you and require you to repay the transaction being performed. You may use your Card only balance in the time and manner and for the purposes authorized by this Agreementrequested. You do not have We reserve the right to stop payment on any purchase transaction originated by use of take all steps necessary, including legal action, to recover the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cashoutstanding funds. We may suspend access to charge you an Administration Fee for each transaction completed or attempted while your Card if card has a negative balance (see Fees and Charges). We will not send you paper statements; instead, upon request we notice excessive use can issue an electronic copy of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. For Your Safety When Using an ATM, Please Observe the Following If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction, then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. Card Activity Information You can review your Card balance and the last 5 transactions activity records by calling toll-free 0-000-000-0000 or by visiting wwwstatement.GoAFFCU. com where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your AFFCU VISA Relationship Card account number and some of the information requested when you ordered the Card are required for authentication. Card Reloading You can add value of at least $10 on your Relationship Card by making a payment at your local AFFCU branch. Personalized cards have unlimited reload capabilities. You can also add value at xxx.XxXXXXX.xxx or by calling toll free 0-000-000-0000 by initiating funds transfer from your designated funding account. Funds may not be available for immediate use after you have initiated the transfer. ATM Usage The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. A fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Relationship Card Account Fees and Charges Card Fee – $5.00.

Appears in 2 contracts

Samples: Terms and Conditions, Terms and Conditions

Using Your Card. The VISA Relationship Prepaid Card is a prepaid, reloadable stored-value card. It is neither a credit card, nor a NCUA insured deposit account. This card is issued by AFFCUAffinity Plus Federal Credit Union; pursuant to a license from Visa U.S.A, Inc. Your your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The card may not be used at some merchants including non-financial money exchange establishments and gambling establishments. The maximum value credited to the Relationship Prepaid Card on issue is limited to $2500.00 5,000.00, and no more than $2500.00 5,000.00 can be available for use on the Card at any one time. Activate your Card by calling toll-free, 0-(000-) 000-0000 or visit us online at xxx.XxXXXXX.xxxxxx.xxxxxxxxxxxx.xxx. You will be required, for validation purposes, to provide personal information. During activation you will be given a Personal Identification Number (PIN). You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card after activation. The Card is non-transferable. The person whom who purchases the card is purchased for Card is the only person authorized to use the Card. Please do not give your Card to anyone else to use. You may request four additional Cards when you order your Card for any user you authorize which will have to be separately activated and which can be used in the same way as the Card at ATMs and merchants that accept VISA debit cards. You are responsible for all authorized transactions made with this additional Card. Only the purchaser can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. When you use your Card at an automated gas station pump it may require a minimum of $99 75.00 available credit may be required on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require of minimum credit of $15. 50.00 If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card to pre-authorize a hotel reservation, add 20% to the reservation. Any reservation any amount requested in a pre-authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If thirty three days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental and/or cruise ship businesses, businesses likewise add 15% to the rental to allow for any additional expenses. If 30 days elapse without you authorizing an amount any pre-authorization will be cancelled expenses and this will be available to you. Mail mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be as the final bill. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card, which will be not less than 36 months after you purchased the Card. If your account is a personalized account, is in good standing, and has greater than a $0 balance, it Your card will automatically not reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. For Your Safety When Using an ATM, Please Observe the Following If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction, and then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. Card Activity Information You can review your Card balance and the last 5 transactions activity records by calling toll-free 0-(000-) 000-0000 or by visiting www.GoAFFCU. com xxx.xxxxxxxxxxxx.xxx where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your AFFCU Affinity Plus VISA Relationship Prepaid Card account number and some of the information requested when you ordered the Card are required for authentication. Card Reloading You can add value of at least $10 20.00 on your Relationship Prepaid Card by making a payment at your local AFFCU Affinity Plus Federal Credit Union branch. Please bear in mind the number of loads on a Non-personalized card is limited to four including the initial load. Personalized cards have unlimited reload capabilities. You can also add value at xxx.XxXXXXX.xxx xxx.xxxxxxxxxxxx.xxx or by calling toll free 0-(000-) 000-0000 by initiating funds transfer from your designated funding account. Funds may not be available for immediate use after you have initiated the transfer. ATM Usage The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit of $5,000.00 or 15 withdrawals per 24-hour period. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. A In addition to our ATM withdrawal fee described below, an additional fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Relationship Prepaid Card Account Fees and Charges Card Fee - $4.95 if purchaser is a member and orders from a local branch, over the telephone or online. Express delivery fee is $15.00. Additional Card Fee - $2.00 Reload Fee - $0.00 to reload funds onto your Visa Prepaid Card. (Please remember Non-Personalized cards are limited to 4 loads including the initial value load.) ATM Fee - There is not an ATM transaction fee assessed to the card but the ATM itself may charge a fee for withdrawal within the US and overseas. There is a 1.00% transaction fee of transaction amount when used overseas. Bank Cash Advance Fee - There is a $0.00 fee per withdrawal in the US and elsewhere in the world. Account Maintenance Fee $5.00There is no monthly or annual maintenance fees with our card. Overdraft Fees – There are no overdraft fees with our card.

Appears in 2 contracts

Samples: www.affinityplus.org, www.affinityplus.org

Using Your Card. The VISA Relationship Card You can retrieve your PIN online, by text or via the IVR, at any time. You may be charged for accessing your PIN by text (see Fees and Charges). You can change your PIN at any time, through any ATM that provides such a service. If we are charged by the ATM provider for changing your PIN, we reserve the right to pass this charge to your card. You should be advised of any charges for changing your PIN at an ATM. We have no control over these charges. You can use your card at most retailers who accept Mastercard. It is, however, up to the retailer's discretion whether they accept your card in any particular instance. If you are paying for goods and services in a different currency, the value of the transaction will be converted using the Mastercard conversion rate at the time your transaction is processed. Note that exchange rates may fluctuate and that they may change between the time when you make the transaction and the time when it is settled and billed to your card; this is outside our control. You can find current or past conversion rates on the Mastercard website. When paying in a prepaiddifferent currency, reloadable stored-value a Foreign Exchange fee may apply (see Fees and Charges). There are no usage limits applied to your card. It is neither a credit card, nor a NCUA insured deposit account. This your responsibility to ensure that the balance on your card is issued greater than or is equal to the value of the purchase you are intending to make. To check your balance, go to the website, go to the mobile app, request a text balance update or Contact Us by AFFCU; pursuant phone. If receiving your balance by text is made available to a license from Visa U.S.Ayou, Inc. Your Card allows you may incur charges (see Xxxx and Charges). If you wish to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The maximum in store for a purchase which, including any applicable fees, is greater in value credited than the balance on your card, you must tell the retailer to the Relationship Card on issue is limited to $2500.00 and no more than $2500.00 can be available for use on the Card at any one time. Activate your Card by calling toll-free, 0-000-000-0000 or visit us online at xxx.XxXXXXX.xxx. You will be required, for validation purposes, to provide personal information. During activation you will be given a PIN. You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card after activation. The Card is non-transferable. The person whom the card is purchased for is the only person authorized to use the Card. Please do not give your Card to anyone else to use. You are responsible for all authorized transactions made with this Card. Only the purchaser can load funds to the account. You may only use the Card when there is a balance available on the Card and charge only up to the amount left available balance on your card and that you will pay the Card difference by other means (such as another card / cash). It is at the retailer's discretion to allow part payments. We and the retailer will treat any transaction fee due. All use at an ATM as genuine and made by you when:  Your PIN was used when paying with your card in-store;  Your card security details, only known to you, where used when paying with your card online or for purchases will be deducted from your Card, including any transaction feesover the phone. Any transaction made that exceeds the available balance will be declinednoted against your balance immediately but may remain in pending status until the retailer settles the payment. Some Interlink During the time that a payment is pending you cannot use these funds. It is up to the retailer how long funds are kept in pending status. Any fees (see Fees and VISA merchants mayCharges) will be taken from your card balance when they become payable. You will not be charged a card usage fee for domestic transactions. You cannot stop any transactions once made. However, subject any transaction that is agreed by a retailer to limits, allow take place on a future date (after the date you to use your Card for cash-back on purchases and cash authorise the transaction) may be advanced withdrawn. To withdraw a transaction, you need to give the retailer at least one (1) full business day notice of your intent, providing a Visa affiliated financial institutioncopy of this notice to us. When We may charge you use your Card at an automated gas station pump a minimum of $99 available credit may be required on the Card to enable gas to be dispensed Administration Fee for this (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processedsee Fees and Charges). If your available balance is less than thisnot enough to cover the amount of the transaction plus any applicable fees (see Fees and Charges), please pay the attendant in the gas station. If payment transaction will be declined; unless:  Some retailers require you use the Card to make a telephone call this can require of minimum credit of $15. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Should you use your Card to pre-authorize authorise a hotel reservationpayment before the value of the final bill is known. For example, add 20% to restaurants or hotels may ring-fence a balance greater than the reservationexpected final bill on your card and then settle the actual final bill later, without checking the balance available at that time again. Any amount requested in a preOnce the retailer has ring-authorization fenced the expected bill balance, these funds will not be available to for you to spend using use until the Card, although you will only be finally debited with the actual amount you spendfinal bill is settled. If thirty the final bill is less than the expected bill, it may take up to fifteen (15) days elapse without you authorizing an amount for the difference to be added back to your card. The retailer determines the length that any ring-fenced balance is kept after the final bill is settled. If the final bill is larger than the pre-authorization authorised amount, this may result in your card going into negative balance.  Certain retailer websites will be cancelled and this will be available to you. Automobile rental and/or cruise ship businesses, likewise add 15% to the rental to allow for any additional expenses. If 30 days elapse without you authorizing an amount any also send pre-authorization will be cancelled and authorisation request to check if there are suffice funds available on your card to cover the value of your order, even when this will be order is not finalised yet or when you have not proceeded to checkout. Here too the retailer may not check the available to you. Mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be as balance before settling the final bill. When making a purchase on the phonepayment, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store resulting in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card. If your account is a personalized account, is in good standing, and has greater than a $0 balance, it will automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount funds either remaining in a ring-fenced status or resulting in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below)card going into negative balance. We may change the terms of this Agreement refuse to execute a transaction:  If we reasonably suspect that your card is being used in an unauthorised, fraudulent, or any features of the Card, and grossly negligent manner;  Or if we believe that an attempted or intended transaction would be unlawful. If we refuse to authorise a transaction we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed reason for the transaction being performedrefusal, if practicable (unless it would be unlawful for us to do so). You may If you do not use your Card only card for a period of six (6) consecutive months we may start charging you monthly the Dormancy Fee (see Fees and Charges). If applied, this fee will be charged until you use your card again, the balance on your card reaches zero (0), or until your card expires; whichever comes first. As your card is a prepaid card, if it goes into negative balance we will notify you and require you to repay the balance in the time and manner and for the purposes authorized by this Agreementrequested. You do not have We reserve the right to stop payment on any purchase transaction originated by use of take all steps necessary, including legal action, to recover the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cashoutstanding funds. We may suspend access to charge you an Administration Fee for each transaction completed or attempted while your Card if we notice excessive use of card has a negative balance (see Fees and Charges). We will not send you paper statements; instead your Card or other suspicious or potentially illegal activities. Access will transaction history can be reinstated once we have notified you, clarified the situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN found on the Card and never carry a record of your PIN in your purse website or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. For Your Safety When Using an ATM, Please Observe the Following If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction, then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. Card Activity Information You can review your Card balance and the last 5 transactions activity records by calling toll-free 0-000-000-0000 or by visiting www.GoAFFCU. com where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your AFFCU VISA Relationship Card account number and some of the information requested when you ordered the Card are required for authentication. Card Reloading You can add value of at least $10 on your Relationship Card by making a payment at your local AFFCU branch. Personalized cards have unlimited reload capabilities. You can also add value at xxx.XxXXXXX.xxx or by calling toll free 0-000-000-0000 by initiating funds transfer from your designated funding account. Funds may not be available for immediate use after you have initiated the transfer. ATM Usage The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. A fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Relationship Card Account Fees and Charges Card Fee – $5.00mobile app.

Appears in 2 contracts

Samples: Cardholder Terms And, Cardholder Terms And

Using Your Card. The VISA Relationship Card is a prepaid, reloadable stored-value card. It is neither a credit card, nor a NCUA insured deposit account. This card is issued by AFFCU; pursuant to a license from Visa U.S.A, Inc. Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept Card to pay for goods and services anywhere VISA debit cards worldwideare accepted. The maximum value credited to the Relationship Card on issue is limited to $2500.00 and no more than $2500.00 can Some of these services may not be available for use on the Card at any one time. Activate your Card by calling toll-free, 0-000-000-0000 or visit us online at xxx.XxXXXXX.xxx. You will be required, for validation purposes, to provide personal information. During activation you will be given a PIN. You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guessall terminals. You may use your Card after activation. The to purchase or lease goods or services wherever the Card is non-transferable. The person whom the card is purchased for is the only person authorized to use the Card. Please honored as long as you do not give exceed the value available on your Card to anyone else to useCard. You are responsible for all authorized transactions made with this Card. Only the purchaser can load funds to the account. You may only use the Card when there is a balance available on the Card initiated and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. When you use your Card at an automated gas station pump a minimum of $99 available credit may be required on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require of minimum credit of $15. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Should you use your Card to pre-authorize a hotel reservation, add 20% to the reservation. Any amount requested in a pre-authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If thirty days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental and/or cruise ship businesses, likewise add 15% to the rental to allow for any additional expenses. If 30 days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be as the final bill. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card. If your account is a personalized account, is in good standing, and has greater than a $0 balance, it will automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated fees incurred by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to such use your Card and you will be responsible for any transactions initiated by and fees incurred subject to such person with your Card. We advise that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. For Your Safety When Using an ATM, Please Observe the Following If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundingsuse. If you believe do not have enough value loaded on your Card you can instruct the merchant to charge a part of the purchase to the Card and pay the remaining amount with cash or another card. These are being watched or followed, cancel your transaction, then go called “split transactions”. Some merchants do not allow cardholders to do split transactions. Some merchants will only allow you to do a well-populated areasplit transaction if you pay the remaining amount in cash. If necessaryyou use your Card number without presenting your Card (such as for a mail order or telephone purchase), call the local policelegal effect will be the same as if you used the Card itself. Do Your Card cannot write be redeemed for cash. You may not use your PIN Card for any illegal transactions, nor may you use your Card at casinos, or for gambling activity. You should keep track of the amount of value loaded on Cards issued to you. You may view the amount of value remaining on your Card by logging into your Card Account at xxx.xxxxxxxxxxxxxxx.xxx or near by calling the Customer Service number shown on your Card and listed below at any time to obtain the current value associated with Card. Do not give your PIN to anyone else. In case of an emergency, call 911. Card Activity Information You can review your Card balance and the last 5 transactions activity records by calling Call toll-free 0-000-000-0000 or by visiting www.GoAFFCU. com where full details of all transactions are available free of charge. This information is available to you 0000, 24 hours a per day, 7 days a weekper week for the balance or if you have questions on Card usage. Your AFFCU VISA Relationship Each time you use your Card, you authorize us to reduce the value available on your Card account number and some by the amount of the information requested when you ordered transaction and any applicable fees. You are not allowed to exceed the Card are required for authentication. Card Reloading You can add value of at least $10 available amount on your Relationship Card by making through an individual transaction or a payment at series of transactions. Nevertheless, if a transaction exceeds the balance of the funds available on your local AFFCU branch. Personalized cards have unlimited reload capabilitiesCard (creating a “shortage”) you shall remain fully liable to us for the amount of the transaction and any applicable fees or charges. You can agree to pay us promptly for the shortage and any applicable shortage fees. We also add value at xxx.XxXXXXX.xxx or by calling toll free 0-000-000-0000 by initiating funds transfer from reserve the right to cancel this Card should you create a shortage with your designated funding account. Funds may not be available for immediate use after you have initiated the transfer. ATM Usage The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. A fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Relationship Card Account Fees and Charges Card Fee – $5.00.

Appears in 2 contracts

Samples: Cardholder Agreement, Chickasaw Nation Grant Card Cardholder Agreement

Using Your Card. The VISA Relationship Student Card is a prepaid, reloadable stored-value card. It is neither a credit card, nor a NCUA insured deposit account. This card is issued by AFFCUAffinity Plus Federal Credit Union; pursuant to a license from Visa U.S.A, Inc. Your your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The maximum value credited to the Relationship Student Card on issue is limited to $2500.00 5,000.00, and no more than $2500.00 5,000.00 can be available for use on the Card at any one time. Activate your Card by calling toll-free, 0-(000-) 000-0000 or visit us online at xxx.XxXXXXX.xxxxxx.xxxxxxxxxxxx.xxx. You will be required, for validation purposes, to provide personal information. During activation you will be given a Personal Identification Number (PIN). You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card after activation. The Card is non-transferable. The person whom the card is purchased for is the only person authorized to use the Card. Please do not give your Card to anyone else to use. You are responsible for all authorized transactions made with this additional Card. Only the purchaser can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. When you use your Card at an automated gas station pump you will require a minimum of $99 75.00 available credit may be required on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require of minimum credit of $1550.00. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card to pre-authorize a hotel reservation, add 20% to the reservation. Any reservation any amount requested in a pre-authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If thirty three days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental and/or cruise ship businesses, businesses likewise add 15% to the rental to allow for any additional expenses. If 30 days elapse without you authorizing an amount any pre-authorization will be cancelled expenses and this will be available to you. Mail mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be as the final bill. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card, which will be not less than 36 months after you purchased the Card. If your account is a personalized account, is in good standing, and has greater than a $0 balance, it Your card will automatically not reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. For Your Safety When Using an ATM, Please Observe the Following If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction, ; then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. Card Activity Information You can review your Card balance and the last 5 transactions activity records by calling toll-free 0-(000-) 000-0000 or by visiting www.GoAFFCU. com xxx.xxxxxxxxxxxx.xxx where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your AFFCU Affinity Plus VISA Relationship Student Card account number and some of the information requested when you ordered the Card are required for authentication. Card Reloading You can add value of at least $10 20.00 on your Relationship Student Card by making a payment at your local AFFCU Affinity Plus branch. Personalized cards Student Cards have unlimited reload capabilities. You can also add value at xxx.XxXXXXX.xxx xxx.xxxxxxxxxxxx.xxx or by calling toll free 0-000-000-0000 by initiating funds transfer from your designated funding account. Funds may not be available for immediate use after you have initiated the transfer. ATM Usage The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit of $5,000.00 or 15 withdrawals per 24-hour period. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. A In addition to our ATM withdrawal fee described below, an additional fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Relationship Student Card Account Fees and Charges Card Fee - $4.95 if purchaser is a member and orders from a local branch, over the telephone or online. Express delivery fee is $15.00. Reload Fee - $0.00 to reload funds onto your Visa Prepaid Card. ATM Fee - There is not an ATM transaction fee assessed to the card but the ATM itself may charge a fee for withdrawal within the US and overseas. There is a 1.00% transaction fee of transaction amount when used overseas. Bank Cash Advance Fee - There is a $0.00 fee per withdrawal in the US and elsewhere in the world. Account Maintenance Fee $5.00There is no monthly or annual maintenance fees with our card. Overdraft Fees – There are no overdraft fees with our card.

Appears in 2 contracts

Samples: www.affinityplus.org, www.affinityplus.org

Using Your Card. The VISA Relationship Prepaid Card is a prepaid, reloadable stored-value card. It is neither not a credit card, nor a NCUA insured deposit account. This card is issued by AFFCU; Service CU, pursuant to a license from Visa U.S.A, Inc. Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The maximum value credited to the Relationship Prepaid Card on issue is limited to $2500.00 5,000.00 and no more than $2500.00 5,000.00 can be available for use on the Card at any one time. Activate your Card on line at xxx.xxxxxxxxx.xxx/xxxxxxx or by calling toll-free, 0-(000) 000-000-0000 or visit us online at xxx.XxXXXXX.xxx0000. You will be required, for validation purposes, to provide personal information. During activation you You will also be given a PIN. You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN all merchants abroad equipped with a number that, while easy for you to remember, may be difficult for someone else to guessglobal chip & pin terminals. You may use your Card after activation. If you cannot remember your PIN, you must call customer support at anytime 24/7/365 to hear your PIN. The Card is non-transferable. The person whom who purchases the card is purchased for Card is the only person authorized to use the Card. Please do not give your Card to anyone else to use. You may request up to 4 additional Cards when you order your Card for any user you authorize which will have to be separately activated and which can be used in the same way as the Card at ATMs and merchants that accept VISA debit cards. You are responsible for all authorized transactions made with this additional Card. Only the purchaser can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. However, there can be times when a Visa merchant puts an item through without prior authorization. If an overdraft occurs, the cardholder will be required to either reload funds onto the card or make a payment to Cardholder Services to cover the negative amount. Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. Cash-back is only available at US Visa merchants with your International Prepaid Card, it is not available at international Visa merchants. When you use your Card at an automated gas station pump you will require a minimum of $99 100 available credit may be required on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require of a minimum credit of $1515.00. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card to pre-authorize a hotel reservation, add 20% to the reservation. Any reservation any amount requested in a pre-pre- authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If thirty 7 days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental and/or cruise ship businesses, businesses likewise add 15% to the rental to allow for any additional expenses. If 30 days elapse without you authorizing an amount any pre-authorization will be cancelled expenses and this will be available to you. Mail mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be the same as the final bill. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card. If your account card is a personalized accountcard, is in good standing, and has greater than a $0 balance, it will automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise caution that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. If you have forgotten your PIN, call the customer support number (000) 000-0000 immediately to hear your PIN. For Your Safety When Using an ATM, Please Observe the Following If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction, then go to a well-populated area. If necessary, call the local police. Do not write your you're PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. Card Activity Information You can review your Card balance and the last 5 transactions activity records by calling toll-toll- free 0-(000-) 000-0000 or by visiting www.GoAFFCU. com xxx.xxxxxxxxx.xxx/xxxxxxx where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your AFFCU Service CU VISA Relationship Prepaid Card account number and some of the information requested when you ordered the Card are required for authentication. Card Reloading You can add value of at least $10 25.00 on your Relationship Prepaid Card by making a payment at your local AFFCU Service CU branch. Please bear in mind the number of loads on a Non-personalized card is limited to four including the initial load. Personalized cards have unlimited reload capabilities. You can also add value at xxx.XxXXXXX.xxx xxx.xxxxxxxxx.xxx/xxxxxxx or by calling toll free 0-(000-) 000-0000 by initiating funds transfer from your designated funding account. Funds may not be available for immediate use after you have initiated the transfer. The ability to set up direct deposit from your employer is also available. ATM Usage The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit of $510 domestically and $610 internationally per 24-hour period. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. A fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Relationship Prepaid Card Account Fees and Charges Card Fee - $5.003.95 for a non-personalized card and $4.95 for a personalized card if a member and ordered from a local branch, and $4.95 plus shipping as advised when ordering online. Secondary Card Fee - $3.95 non-personalized and $4.95 personalized plus shipping as advised when ordering online. Card Replacement / Reissue Fee - You will be charged a fee of $4.95 to replace a card that is lost or stolen, and to reissue a card due to a name change or damaged card. An Emergency card replacement can be requested if the circumstances require an immediate turnaround on shipping out the replacement card; there will be an extra cost of $35 assessed to the prepaid card for this Emergency Card Replacement service. Express Delivery Fee - You will be charged an additional fee of $20.00 when requesting a card order to be sent via express mail. ATM Withdrawal Fee - $2.00 per ATM withdrawal.

Appears in 1 contract

Samples: servicecu.org

Using Your Card. The VISA Relationship Gift Card is a prepaid, reloadable Non Reloadable stored-value card. It is neither a credit card, nor a NCUA insured deposit account. This card is issued by AFFCUTruMark Financial Credit Union; pursuant to a license from Visa U.S.A, Inc. Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card Card at merchants who accept VISA debit cards worldwide. The maximum value credited to the Relationship Card on issue is limited to $2500.00 and no more than $2500.00 can be available for use on the Card at any one time. Activate your Card by calling toll-free, 0-000-000-0000 or visit us online at xxx.XxXXXXX.xxx. You will may be required, for validation purposes, to provide personal information. During activation you will be given To activate your Card and obtain a PIN. You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guessvisit xxx.xxxxxxxxxxxxx.xxx or call 1-866-902- 6082. You may use your Card after activation. The Card is non-transferable. The person whom the card is purchased for is the only person authorized to use the Card. Please do not give your Card to anyone else to use. You are responsible for all authorized transactions made with this Card. Only the purchaser can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. Some Interlink and VISA merchants may, subject to limits, allow you to use Your card is valid until the expiration date on your Card or until the funds on the Card have been exhausted, whichever comes first, except where prohibited by applicable law. All TruMark Financial Credit Union Visa Gift cards are valid for cash-back on purchases and cash may be advanced seven (7) years. All cards sold must have at a Visa affiliated financial institutionleast five (5) years expiration at the time the card is purchased. When you use your Card at an automated gas station pump a minimum of $$ 99 must be available credit may be required on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require of minimum credit of $15. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card to pre-authorize a hotel reservation, add 20% to the reservation. Any reservation any amount requested in a pre-authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If thirty five days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental and/or cruise ship businesses, businesses likewise add 15% to the rental to allow for any additional expenses. If 30 days elapse without you authorizing an amount any pre-authorization will be cancelled expenses and this will be available to you. Mail mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be as the final bill. When making a purchase on You may check the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card. If your account is a personalized account, is in good standing, and has greater than a $0 balance, it will automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any review recent transactions initiated by such person with your Card. We advise that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. For Your Safety When Using an ATM, Please Observe the Following If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction, then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. Card Activity Information You can review your Card balance and the last 5 transactions activity records by calling toll-free 0-000-000-0000 or by visiting www.GoAFFCU. com where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your AFFCU VISA Relationship Card account number and some of the information requested when you ordered the Card are required for authentication. Card Reloading You can add value of at least $10 on your Relationship Card by making a payment at your local AFFCU branch. Personalized cards have unlimited reload capabilities. You can also add value at xxx.XxXXXXX.xxx or by calling toll free 0-000-000-0000 by initiating funds transfer from your designated funding account. Funds may not be available for immediate use after you have initiated the transfer. ATM Usage The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. A fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Relationship visit xxxxx://xxxxxxxxxxxxxxxxx.xxxxxx.xxx Gift Card Account Fees and Charges Card Fee – Service Fee. $5.002.50 if a member and ordered from a local branch Inactivity Account Fee. $2.00 after 12 months of non-usage Card Replacement Fee. A $5.00 fee is assessed on the account when a card that is marked as lost/stolen is replaced.

Appears in 1 contract

Samples: trumarkonline.org

Using Your Card. The VISA Relationship Prepaid Card is a prepaid, reloadable stored-value card. It is neither not a credit card, nor a NCUA insured deposit account. This card is issued by AFFCU; Apple FCU, pursuant to a license from Visa U.S.A, Inc. Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The maximum value credited to the Relationship Prepaid Card on issue is limited to $2500.00 5,000.00 and no more than $2500.00 5,000.00 can be available for use on the Card at any one time. Activate your Card by calling toll-free, 0-000-000-0000 or visit us online at xxx.XxXXXXX.xxxXxxxxXXX.xxx. You will be required, for validation purposes, to provide personal information. During activation you You will also be given a PIN. You may also select PIN for your own PINPersonalized or Non Personalized Card which can be obtained by calling the customer support number. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN all merchants abroad equipped with a number that, while easy for you to remember, may be difficult for someone else to guessglobal chip & pin terminals. You may use your Card after activation. If you cannot remember your PIN, you must call customer support at anytime 24/7/365 to hear your PIN before making more than three (3) attempts at entering an incorrect PIN. It is important to remember your PIN because locking your PIN at a merchant terminal using an EMV chip card will require you to unlock the PIN before your International Prepaid Card can be used at another merchant EMV chip terminal again. To unlock your PIN, you must first call the customer support line to obtain your correct PIN, next, find any ATM that accepts EMV chip cards; using the correct PIN, perform a Balance Inquiry or Cash Withdrawal transaction; after this transaction is complete, the PIN will automatically be unlocked and you are free to use your International Prepaid Card again at any merchant and ATM worldwide. The Card is non-transferable. The person whom who purchases the card is purchased for Card is the only person authorized to use the Card. Please do not give your Card to anyone else to use. You may request four (4) additional Cards when you order your Card for any user you authorize which will have to be separately activated and which can be used in the same way as the Card at ATMs and merchants that accept VISA debit cards. You are responsible for all authorized transactions made with this additional Card. Only the purchaser can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. However, there can be times when a Visa merchant puts an item through without prior authorization. If an overdraft occurs, the cardholder will be required to either reload funds onto the card or make a payment to Cardholder Services to cover the negative amount. Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. When you use Cash-back is only available at US Visa merchants with your Card International Prepaid Card, it is not available at an automated gas station pump a minimum of $99 available credit may be required on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas stationinternational Visa merchants. If you use the Card to make a telephone call this can require of a minimum credit of $1515.00. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card to pre-authorize a hotel reservation, add 20% to the reservation. Any reservation any amount requested in a pre-authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If thirty seven (7) days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental and/or cruise ship businesses, businesses likewise add 15% to the rental to allow for any additional expenses. If 30 days elapse without you authorizing an amount any pre-authorization will be cancelled expenses and this will be available to you. Mail mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be the same as the final bill. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card. If your account card is a personalized accountcard, is in good standing, and has greater than a $0 5 balance, it will automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise caution that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. If you have forgotten your PIN, call the customer support number 000-000-0000 immediately to hear your PIN, especially before you try to use it at a merchant or an ATM. It is very important to maintain the correct PIN because locking it out at a merchant’s EMV Chip terminal results in having to perform the process of unlocking the PIN before it can be used again at an EMV Chip merchant terminal. However, the card can still be used at any ATM’s worldwide that accept EMV Chip cards. . You will have up to three (3) attempts at entering a bad PIN before it locks., If you have locked your PIN, you must call the customer support number immediately, choose the option to “Hear Your PIN”, locate an ATM that accepts EMV Chip cards, perform a Balance Inquiry or Cash Withdrawal using the correct PIN in this ATM, complete the transaction, and the PIN will automatically be unlocked now. You can then go use your International Prepaid Card again at any merchant or ATM worldwide. For Your Safety When Using an ATM, Please Observe the Following If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction, then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. Card Activity Information You can review your Card balance and the last 5 five (5) transactions activity records by calling toll-free 0-000-000-0000 or by visiting www.GoAFFCU. com XxxxxXXX.xxx where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your AFFCU Apple FCU VISA Relationship Prepaid Card account number and some of the information requested when you ordered the Card are required for authentication. Card Reloading You can add value of at least $10 50.00 on your Relationship Prepaid Card by making a payment at your local AFFCU Apple FCU branch. Please bear in mind the number of loads on a Non- personalized card is limited to four including the initial load. Personalized cards have unlimited reload capabilities. You can also add value at xxx.XxXXXXX.xxx XxxxxXXX.xxx or by calling toll free 0-000-000-0000 by initiating funds transfer from your designated funding account. Funds may not be available for immediate use after you have initiated the transfer. The ability to set up direct deposit from your employer is also available. ATM Usage The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit of $1,015 per 24-hour period. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. A fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Relationship Prepaid Card Account Fees and Charges Card Fee - $5.007.95 if a member and ordered from a local branch and $7.95 plus shipping as advised when ordering online. Secondary Card Fee - $7.95 plus shipping as advised when ordering online. Inactivity Fee - If no activity for twelve months, a monthly inactivity fee of $2.50 per month will be assessed to the card balance until the card is activated. Card Replacement / Reissue Fee - You will be charged a fee of $5.00 to replace a card that is lost or stolen, and to reissue a card due to a name change or damaged card. An Emergency card replacement can be requested if the PIN is blocked and/or circumstances request an immediate turnaround on shipping out the replacement card; there will be an extra cost of $35 assessed to the prepaid card for this Emergency Card Replacement service.

Appears in 1 contract

Samples: cdn.cocodoc.com

Using Your Card. The VISA Relationship Prepaid Card is a prepaid, reloadable stored-value card. It is neither not a credit card, nor a NCUA insured deposit account. This card is issued by AFFCUMembers Choice Financial Credit Union; pursuant to a license from Visa U.S.A, Inc. Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The card may not be used at some merchants including non-financial money exchange establishments and gambling establishments. The maximum value credited to the Relationship Prepaid Card on issue is limited to $2500.00 500.00, and no more than $2500.00 5000.00 can be available for use on the Card at any one time. Activate your Card by visiting us online at xxxxx://xxxxx.xxx/card-services/prepaid-cards/ or by calling toll-free, 0-000-000-0000 or visit us online at xxx.XxXXXXX.xxx0000. Your PIN will automatically be assigned after activation is complete. You will be required, for validation purposes, to provide personal information. During activation Once you will be given a have your initial PIN. You , you may also select your own PIN. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card after activation. The Card is non-transferable. The person whom who purchases the card is purchased for Card is the only person authorized to use the Card. Please do not give your Card to anyone else to use. You may request four additional Cards when you order your Card for any user you authorize which will have to be separately activated and which can be used in the same way as the Card at ATMs and merchants that accept VISA debit cards. You are responsible for all authorized transactions made with this additional Card. Only the purchaser primary cardholder can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institutioninstitutions. When you use your Card at an automated gas station pump you will require a minimum of $99 100 available credit may be required on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require of a minimum credit of $15. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Should you use your Card to pre-authorize a hotel reservation, add 2015% to the reservation. Any amount requested in a pre-authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If thirty 30 days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental and/or cruise ship businesses, likewise add 15% to the rental rental/reservation to allow for any additional expenses. If 30 days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be as the final bill. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card. If your account is a personalized account, is in good standing, and has greater than a $0 balance, it will automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. For Your Safety When Using an ATM, Please Observe the Following If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction, then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. Card Activity Information You can review your Card balance and the last 5 transactions activity records by calling toll-free 0-000-000-0000 or by visiting www.GoAFFCU. com xxxxx://xxxxx.xxx/card-services/prepaid-cards/ where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your AFFCU Members Choice Financial Credit Union VISA Relationship Prepaid Card account number and some of the information requested when you ordered the Card are required for authentication. Card Reloading You can add value of at least $10 20.00 on your Relationship Prepaid Card by making a payment at your local AFFCU Members Choice Financial Credit Union branch. Please bear in mind the number of loads on a Non-personalized card is limited to four including the initial load. Personalized cards have unlimited reload capabilities. You can also add value at xxx.XxXXXXX.xxx xxxxx://xxxxx.xxx/card-services/prepaid-cards/ or by calling toll free 0-000-000-0000 by initiating funds transfer from your designated funding account. Funds may not be available for immediate use after you have initiated the transfer. You also have the ability to set up direct deposit to your prepaid card with your employer. ATM Usage The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit of $500 or 5 withdrawals per 24-hour period. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. A In addition to our ATM withdrawal fee described below, an additional fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Relationship Prepaid Card Account Fees and Charges Service Fee (Enrollment); $5.00 Service Fee (Secondary Card Enrollment); $5.00 Pin Change Fee; $2.00 Foreign Exchange Processing; 1% Card Replacement Fee (Lost/Stolen); $5.00.5.00 Customer Service Call Fee; $3.00

Appears in 1 contract

Samples: mcfcu.org

Using Your Card. The VISA Relationship You may use your Card to purchase or lease goods or services wherever the Card is a prepaid, reloadable stored-honored as long as you do not exceed the value card. It is neither a credit card, nor a NCUA insured deposit account. This card is issued by AFFCU; pursuant to a license from Visa U.S.A, Inc. Your Card allows you to access available on your prepaid funds at ATMs, which display the Visa brandCard. You may also are responsible for all transactions initiated by use of your Card. If you permit someone else to use your card at merchants who accept VISA debit cards worldwide. The maximum value credited to the Relationship Card on issue is limited to $2500.00 we will treat this as if you have authorized such use and no more than $2500.00 can be available for use on the Card at any one time. Activate your Card by calling toll-free, 0-000-000-0000 or visit us online at xxx.XxXXXXX.xxx. You will be required, for validation purposes, to provide personal information. During activation you will be given responsible for any transactions made subject to such use. If you do not have enough value loaded on your Card you can instruct the merchant to charge a PINpart of the purchase to the Card and pay the remaining amount with cash or another card. You may also select your own PINThese are called “split transactions”. You Some merchants do not allow cardholders to conduct split transactions. Some merchants will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN with a number that, while easy for only allow you to rememberdo a split transaction if you pay the remaining amount in cash. If you use your Card number without presenting your Card (such as for a mail order or telephone purchase), the legal effect will be the same as if you used the Card itself. For security reasons, we may limit the amount or number of transactions you can make on your Card. Your Card cannot be difficult redeemed for someone else to guesscash. You may use your Card after activation. The Card is non-transferable. The person whom the card is purchased for is the only person authorized to use the Card. Please do not give your Card to anyone else to use. You are responsible for all authorized transactions made with this Card. Only the purchaser can load funds to the accountaccess cash at an Automated Teller Machine (ATM). You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. Some Interlink and VISA merchants may, subject to limits, allow you to not use your Card for cash-back on purchases any illegal transactions, use at casinos, and cash may be advanced at a Visa affiliated financial institutionany gambling activity. When you use your Card at an automated gas station pump a minimum You should keep track of $99 available credit may be required on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require of minimum credit of $15. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Should you use your Card to pre-authorize a hotel reservation, add 20% to the reservation. Any amount requested in a pre-authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If thirty days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental and/or cruise ship businesses, likewise add 15% to the rental to allow for any additional expenses. If 30 days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be as the final bill. When making a purchase of value loaded on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card. If your account is a personalized account, is in good standing, and has greater than a $0 balance, it will automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned Cards issued to you. You will notify may call us at the Customer Service number shown on your Card and listed below at any time to obtain the current value on your Card. To reach us, call toll-free 000-000-0000 for the balance. Our business hours are 5 am to 11 pm MST for live agent. Each time you use your Card, you authorize us to reduce the value available on your Card by the amount of the transaction. You are not allowed to exceed the available amount on your Card through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the balance of the funds available on your Card (creating a “negative balance”) you shall remain fully liable to us for the amount of the transaction and any applicable fees or charges. We reserve the right to xxxx you for any negative balance together with a negative balance fee of $0. You agree to pay us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the negative balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below)and any applicable negative balance fees. We may change also reserve the terms of right to cancel this Agreement Card should you create one or any features of the more negative balances with your Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled authorize a transaction and then fail to make a refund for any reason for goods or services obtained with purchase of that item as planned, the approval may result in a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise that any person to whom you may give an additional Card should be advised to treat the PIN hold for that Card in the same manner. For Your Safety When Using an ATM, Please Observe the Following If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need amount of funds for up to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction, then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. Card Activity Information You can review your Card balance and the last 5 transactions activity records by calling toll-free 0-000-000-0000 or by visiting www30 days.GoAFFCU. com where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your AFFCU VISA Relationship Card account number and some of the information requested when you ordered the Card are required for authentication. Card Reloading You can add value of at least $10 on your Relationship Card by making a payment at your local AFFCU branch. Personalized cards have unlimited reload capabilities. You can also add value at xxx.XxXXXXX.xxx or by calling toll free 0-000-000-0000 by initiating funds transfer from your designated funding account. Funds may not be available for immediate use after you have initiated the transfer. ATM Usage The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. A fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Relationship Card Account Fees and Charges Card Fee – $5.00.

Appears in 1 contract

Samples: Cardholder Agreement

Using Your Card. The VISA Relationship Student Card is a prepaid, reloadable stored-value card. It is neither a credit card, nor a NCUA insured deposit account. This card is issued by AFFCUBank-Fund Staff Federal Credit Union; pursuant to a license from Visa U.S.A, Inc. Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The card may not be used at some merchants including non-financial money exchange establishments and gambling establishments. The maximum value credited to the Relationship Student Card on issue is limited to $2500.00 1,000, and no more than $2500.00 1,000 can be available for use on the Card at any one time. Activate your Card by calling toll-free, 0-000-000-0000 or visit us online at xxx.XxXXXXX.xxxxxxxxx.xxx/xxxxxxxxxxx. You will be required, for validation purposes, to provide personal information. During activation you will be given a PIN. You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card after activation. The Card is non-transferable. The person whom who purchases the card is purchased for Card is the only person authorized to use the Card. Please do not give your Card to anyone else to use. When you order your Card for any user you authorize which will have to be separately activated and which can be used in the same way as the Card at ATMs and merchants that accept VISA debit cards. You are responsible for all authorized transactions made with this additional Card. Only the purchaser primary cardholder can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back cashback on purchases and cash may be advanced at a Visa affiliated financial institution. When you use your Card at an automated gas station pump you will require a minimum of $99 75 available credit may be required on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require of minimum credit of $15. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card to pre-authorize a hotel reservation, add 20% to the reservation. Any reservation any amount requested in a pre-authorization preauthorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If thirty five days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental and/or cruise ship businesses, businesses likewise add 15% to the rental to allow for any additional expenses. If 30 days elapse without you authorizing an amount any pre-authorization will be cancelled expenses and this will be available to you. Mail mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be as the final bill. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card, which will be not less than 36 months after you purchased the Card. If your account is a personalized account, is in good standing, and has greater than a $0 balance, it will automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. For Your Safety When Using an ATM, Please Observe the Following If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction, then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. Card Activity Information You can review your Card balance and the last 5 transactions activity records by calling toll-free 0-000-000-0000 or by visiting www.GoAFFCU. com xxxxxx.xxx/xxxxxxxxxxx where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your AFFCU BFSFCU VISA Relationship Student Card account number and some of the information requested when you ordered the Card are required for authentication. Card Reloading You can add value of at least $10 50 on your Relationship Student Card by making a payment at your local AFFCU branch. Personalized cards have unlimited reload capabilities. You can also add value at xxx.XxXXXXX.xxx xxxxxx.xxx/xxxxxxxxxxx or by calling toll free 0-000-000-0000 by initiating funds transfer from your designated funding account. Your Student Card has unlimited reload capabilities. Funds may not be available for immediate use after you have initiated the transfer. ATM Usage The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit of $200 or 2 withdrawals per 24-hour period. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. A In addition to our ATM withdrawal fee described below, an additional fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Relationship Student Card Account Fees and Charges Enrollment Fee - $5.00 Reload Fee - $1.50 to reload value onto your Visa Student Card. Replacement Card Fee - $5.0010.00 ATM Fee - $1.50 ATM withdrawal fee per ATM withdrawal in the US and elsewhere in the world. Account Maintenance Fee - You will be charged a fee of $1.50 each month, beginning on the 7th month of inactivity on the Card, as long as there is a balance remaining on the Card. Overdraft Fees - In the event your Card has a negative balance, you will pay us on demand the debit balance and you may be charged a $20 fee. Foreign Exchange - If a card transaction is made in a currency other than that loaded on the Card, the amount will be converted into the appropriate currency at an exchange rate on the day the transaction is processed. The exchange rate used is the wholesale money market or the government-mandated rate increased by 1% (including the VISA handling charge of 1%).

Appears in 1 contract

Samples: bfsfcu.org

Using Your Card. The VISA Relationship Card is a prepaid, reloadable stored-value card. It is neither a credit card, nor a NCUA insured deposit account. This card is issued by AFFCU; pursuant to a license from Visa U.S.A, Inc. Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The maximum value credited to the Relationship Card on issue is limited to $2500.00 and no more than $2500.00 can be available for use on the Card at any one time. Activate your Card by calling toll-free, 0-000-000-0000 or visit us online at xxx.XxXXXXX.xxxxxx.xxxxxxxxxxx.xxx. You will be required, for validation purposes, to provide personal information. During activation you will be given a PIN. You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card after activation. The Card is non-transferable. The person whom the card is purchased for is the only person authorized to use the Card. Please do not give your Card to anyone else to use. You are responsible for all authorized transactions made with this Card. Only the purchaser can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. When you use your Card at an automated gas station pump a minimum of $99 available credit may be required on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require of minimum credit of $15. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Should you use your Card to pre-authorize a hotel reservation, add 20% to the reservation. Any amount requested in a pre-authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If thirty days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental and/or cruise ship businesses, likewise add 15% to the rental to allow for any additional expenses. If 30 days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be as the final bill. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card. If your account is a personalized account, is in good standing, and has greater than a $0 balance, it will automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Addi- tional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. For Your Safety When Using an ATM, Please Observe the Following If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction, then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. Card Activity Information You can review your Card balance and the last 5 transactions activity records by calling toll-free 0-000-000-0000 or by visiting www.GoAFFCU. com where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your AFFCU VISA Relationship Card account number and some of the information requested when you ordered the Card are required for authentication. Card Reloading You can add value of at least $10 on your Relationship Card by making a payment at your local AFFCU branch. Personalized cards have unlimited reload capabilities. You can also add value at xxx.XxXXXXX.xxx xxx.xxxxxxxxxxx.xxx or by calling toll free 0-000-000-0000 by initiating funds transfer from your designated funding account. Funds may not be available for immediate use after you have initiated the transfer. ATM Usage The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. A fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Relationship Card Account Fees and Charges Card Fee – $5.00.

Appears in 1 contract

Samples: goaffcu.com

Using Your Card. The VISA Relationship General Purpose Card is a prepaid, reloadable stored-value card. It is neither a credit card, nor a NCUA insured deposit account. This card is issued by AFFCUFirst South Financial Credit Union; pursuant to a license from Visa U.S.A, Inc. Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card Card at merchants who accept VISA debit cards worldwide. The maximum value credited to the Relationship General Purpose Card on issue is limited to $2500.00 5000, and no more than $2500.00 5000 can be available for use on the Card at any one time. Activate your Card by calling toll-free, 01-000866- 760-000-0000 3156 or visit us online at xxx.XxXXXXX.xxxxxx.xxxxxxxxxx.xxx. You will be required, for validation purposes, to provide personal information. During activation you will be given a PIN. You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card after activation. The Card is non-transferable. The person whom who purchases the card is purchased for Card is the only person authorized to use the Card. Please do not give your Card to anyone else to use. You may request two additional Cards when you order your Card for any user you authorize which will have to be separately activated and which can be used in the same way as the Card at ATMs and merchants that accept VISA debit cards. You are responsible for all authorized transactions made with this additional Card. Only the purchaser primary cardholder can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. When you use your Card at an automated gas station pump you will require a minimum of $99 50 available credit may be required on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require of minimum credit of $15. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card to pre-authorize a hotel reservation, add 20% to the reservation. Any reservation any amount requested in a pre-pre- authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If thirty three days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental and/or cruise ship businesses, businesses likewise add 15% to the rental to allow for any additional expenses. If 30 days elapse without you authorizing an amount any pre-authorization will be cancelled expenses and this will be available to you. Mail mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be as the final bill. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card, which will be not less than 36 months after you purchased the Card. If your account is a personalized account, is in good standing, and has greater than a $0 9.95 balance, it will automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. For Your Safety When Using an ATM, Please Observe the Following Following: If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction, transaction and then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. Note: Activity is being recorded by hidden cameras at ATM locations in New York City and/or as required by local regulations. Card Activity Information You can review your Card balance and the last 5 transactions activity records by calling toll-free 01-000866- 760-000-0000 3156 or by visiting www.GoAFFCU. com xxx.xxxxxxxxxx.xxx where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your AFFCU First South Financial VISA Relationship General Purpose Card account number and some of the information requested when you ordered the Card are required for authentication. Card Reloading You can add value of at least $10 50 on your Relationship General Purpose Card by making a payment at your local AFFCU branchFirst South Financial banking center. Please bear in mind the number of loads on a Non-personalized card is limited to three including the initial load. Personalized cards have unlimited reload capabilities. You can also add value at xxx.XxXXXXX.xxx xxx.xxxxxxxxxx.xxx or by calling toll free 0-000-000-0000 by initiating funds transfer from your designated funding account. Funds may not be available for immediate use after you have initiated the transfer. ATM Usage The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit of $500 domestic or $1000 international or 5 withdrawals per 24-hour period. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. A In addition to our ATM withdrawal fee described below, an additional fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Relationship General Purpose Card Account Fees and Charges Additional Card Fee - $5.00.5.00 per card Monthly Maintenance fee - $5.00 per card Express shipping charges - $25.00 per card Card Replacement Fee - $10.00 per card + overnight shipping (if applicable)

Appears in 1 contract

Samples: www.firstsouth.com

Using Your Card. The VISA Relationship Prepaid Card is a prepaid, reloadable stored-value card. It is neither not a credit card, nor a NCUA insured deposit account. This card is issued by AFFCU; Crane Credit Union, pursuant to a license from Visa U.S.A, Inc. Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The maximum value credited to the Relationship Prepaid Card on issue is limited to $2500.00 1,000.00 and no more than $2500.00 2,500.00 can be available for use on the Card at any one time. Activate your Card on line at xxx.xxxxxxx.xxx or by calling toll-free, 0-(000) 000-000-0000 or visit us online at xxx.XxXXXXX.xxx0000. You will be required, for validation purposes, to provide personal information. During activation you You will also be given a PIN. You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN all merchants abroad equipped with a number that, while easy for you to remember, may be difficult for someone else to guessglobal chip & pin terminals. You may use your Card after activation. If you cannot remember your PIN, you must call customer support at anytime 24/7/365 to hear your PIN before making more than 3 attempts at entering an incorrect PIN. It is important to remember your PIN because locking your PIN at a merchant terminal using an EMV chip card will require you to unlock the PIN before your International Prepaid Card can be used at another merchant EMV chip terminal again. To unlock your PIN, you must first call the customer support line to obtain your correct PIN, next, find any ATM that accepts EMV chip cards; using the correct PIN, perform a Balance Inquiry or Cash Withdrawal transaction; after this transaction is complete, the PIN will automatically be unlocked and you are free to use your International Prepaid Card again at any merchant and ATM worldwide. The Card is non-transferable. The person whom who purchases the card is purchased for Card is the only person authorized to use the Card. Please do not give your Card to anyone else to use. You may request 4 additional Cards when you order your Card for any user you authorize which will have to be separately activated and which can be used in the same way as the Card at ATMs and merchants that accept VISA debit cards. You are responsible for all authorized transactions made with this additional Card. Only the purchaser can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. However, there can be times when a Visa merchant puts an item through without prior authorization. If an overdraft occurs, the cardholder will be required to either reload funds onto the card or make a payment to Cardholder Services to cover the negative amount. Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. When you use Cash-back is only available at US Visa merchants with your Card International Prepaid Card; it is not available at an automated gas station pump a minimum of $99 available credit may be required on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas stationinternational Visa merchants. If you use the Card to make a telephone call this can require of a minimum credit of $1515.00. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card to pre-authorize a hotel reservation, add 20% to the reservation. Any reservation any amount requested in a pre-pre- authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If thirty 7 days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental and/or cruise ship businesses, businesses likewise add 15% to the rental to allow for any additional expenses. If 30 days elapse without you authorizing an amount any pre-authorization will be cancelled expenses and this will be available to you. Mail mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be the same as the final bill. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card. If your account card is a personalized accountcard, is in good standing, and has greater than a $0 balance, it will automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise caution that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. If you have forgotten your PIN, call the customer support number (000) 000-0000 immediately to hear your PIN, especially before you try to use it at a merchant or an ATM. It is very important to maintain the correct PIN because locking it out at a merchant’s EMV Chip terminal results in having to perform the process of unlocking the PIN before it can be used again at an EMV Chip merchant terminal. However, the card can still be used at any ATM’s worldwide that accept EMV Chip cards. . You will have up to 3 attempts at entering a bad PIN before it locks., If you have locked your PIN, you must call the customer support number immediately, choose the option to “Hear Your PIN”, locate an ATM that accepts EMV Chip cards, perform a Balance Inquiry or Cash Withdrawal using the correct PIN in this ATM, complete the transaction, and the PIN will automatically be unlocked now. You can then go use your International Prepaid Card again at any merchant or ATM worldwide. For Your Safety When Using an ATM, Please Observe the Following If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction, then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. Card Activity Information You can review your Card balance and the last 5 transactions activity records by calling toll-free 0-(000-) 000-0000 or by visiting www.GoAFFCU. com xxx.xxxxxxx.xxx where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your AFFCU Crane Credit Union VISA Relationship Prepaid Card account number and some of the information requested when you ordered the Card are required for authentication. Card Reloading You can add value of at least $10 20.00 on your Relationship Prepaid Card by making a payment at your local AFFCU Crane Credit Union branch. Please bear in mind the number of loads on a Non- personalized card is limited to four including the initial load. Personalized cards have unlimited reload capabilities. You can also add value at xxx.XxXXXXX.xxx xxx.xxxxxxx.xxx or by calling toll free 0-(000-) 000-0000 by initiating funds transfer from your designated funding account. Funds may not be available for immediate use after you have initiated the transfer. The ability to set up direct deposit from your employer is also available. ATM Usage The frequency, amount, and timing of cash withdrawals made from ATMs; ATMs may be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit of $510 domestically and $610 internationally per 24-hour period. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. A fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Relationship Prepaid Card Account Fees and Charges Card Fee - $5.008.95 if a member and ordered from a local branch and $8.95 plus shipping as advised when ordering online. Secondary Card Fee - $7.95 plus shipping as advised when ordering online.

Appears in 1 contract

Samples: www.cranecu.org

Using Your Card. The VISA Relationship Prepaid Card is a prepaid, reloadable stored-value card. It is neither a credit card, nor a NCUA insured deposit account. This card is issued by AFFCUVyStar Credit Union; pursuant to a license from Visa U.S.A, Inc. Your Card allows you to access your prepaid funds at ATMs, ATMs which display the Visa ACCEL brand. You may also use your card at merchants who accept VISA debit cards worldwide. The card may not be used at some merchants including non-financial money exchange establishments and gambling establishments. The maximum value credited to the Relationship Prepaid Card on issue is limited to $2500.00 500, and no more than $2500.00 2,500 can be available for use on the Card at any one time. A maximum of $500 can be loaded at one time, with a maximum amount of 8 loads in a rolling 30 days. Activate your Card by calling toll-free, 0-000-000-0000 or visit us online at xxx.XxXXXXX.xxxxxx.xxxxxxxx.xxx. You will be required, for validation purposes, to provide personal information. During activation you will be given a PINPIN over the phone. You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card after activation. The Card is non-transferable. The person whom who purchases the card is purchased for Card is the only person authorized to use the Card. Please do not give your Card to anyone else to use. You may request up to two additional Cards when you order your Card for any user you authorize which will have to be separately activated and which can be used in the same way as the Card at ATMs and merchants that accept VISA debit cards. The additional cardholders must not give their Card to anyone else to use. You are responsible for all authorized transactions made with this Cardthese additional Card(s). Only the purchaser primary cardholder can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. Some Interlink ACCEL and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. When you use your Card at an automated gas station pump a minimum of $99 available credit may be required on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require of minimum credit of $15. If you use your Card to purchase meals or drinks many restaurants and bars may factor a tip into the price of up to 20% when pre-authorizing Card purchases purchases, but you will only be debited with the actual amount you spend. Hotels and cruise liners may operate a similar policy, usually 15%. Should you use your Card to pre-authorize a hotel reservation, add 20% to the reservation. Any reservation any amount requested in a pre-pre- authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If thirty 30 days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental and/or cruise ship businesses, businesses likewise may add 15% to the rental to allow for any additional expenses. If 30 days elapse without you authorizing an amount any pre-authorization will be cancelled , and this will be available to you. Mail mail order companies often add a similar amount for potential shipping costs costs, although the amount finally debited will be as the final billxxxx. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card. If your account is a personalized account, is in good standing, and has greater than a $0 balance, it will automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. For Your Safety When Using an ATM, Please Observe the Following If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction, then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. Card Activity Information You can review your Card balance and the last 5 transactions activity records by calling toll-free 01-000866- 760-000-0000 3156 or by visiting www.GoAFFCU. com xxx.xxxxxxxx.xxx where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your AFFCU VyStar Credit Union VISA Relationship Prepaid Card account number and some of the information requested when you ordered the Card are required for authentication. Card Reloading You can add value of at least $10 25.00 on your Relationship Card by making a payment at your local AFFCU branch. Personalized cards have unlimited reload capabilities. You can also add value at xxx.XxXXXXX.xxx xxx.xxxxxxxx.xxx or by calling toll free 0-000-000-0000 by initiating funds transfer from your designated funding account. Reloads are limited to 8 in a rolling 30 days. Funds may not be available for immediate use after you have initiated the transfer. ATM Usage The frequency, amount, and timing of cash withdrawals made from ATMs; ATMs may be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit per 24-hour period. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. A In addition to our ATM withdrawal fee described below, an additional fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Relationship Visa® General Purpose Reloadable Prepaid Card Account Fees and Charges Maintenance Fee* - $2.50 Express Delivery Fee - $25.00 Card Replacement Fee - $5.0010.00 *Maintenance Fee: You must have available funds to pay for the monthly maintenance fee. The fee will be charged 30 days after the purchase of the card and will be charged every month.

Appears in 1 contract

Samples: Reloadable Prepaid Card Terms and Conditions

Using Your Card. The VISA Relationship Prepaid Card is a prepaid, reloadable stored-value card. It is neither a credit card, nor a NCUA insured deposit account. This card is issued by AFFCUSioux Falls Federal Credit Union; pursuant to a license from Visa U.S.A, Inc. Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The card may not be used at some merchants including non-financial money exchange establishments and gambling establishments. The maximum value credited to the Relationship Prepaid Card on issue is limited to $2500.00 3,000.00, and no more than $2500.00 3,000.00 can be available for use on the Card at any one time. Activate your Card by calling toll-free, 0-000-000-0000 or visit us online at xxx.XxXXXXX.xxxxxxxx://xxxxxxxxxxxxx.xxx/spend/personal/prepaid-cards. You will be required, for validation purposes, to provide personal information. During activation you will be given a PIN. You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card after activation. The Card is non-transferable. The person whom who purchases the card is purchased for Card is the only person authorized to use the Card. Please do not give your Card to anyone else to use. You may request four additional Cards when you order your Card for any user you authorize which will have to be separately activated and which can be used in the same way as the Card at ATMs and merchants that accept VISA debit cards. You are responsible for all authorized transactions made with this additional Card. Only the purchaser primary cardholder can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. When you use your Card at an automated gas station pump you will require a minimum of $99 99.00 available credit may be required on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require of minimum credit of $1515.00. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card to pre-authorize a hotel reservation, add 20% to the reservation. Any reservation any amount requested in a pre-authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If thirty 3 days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental and/or cruise ship businesses, businesses likewise add 15% to the rental to allow for any additional expenses. If 30 days elapse without you authorizing an amount any pre-authorization will be cancelled expenses and this will be available to you. Mail mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be as the final billxxxx. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card, which will be not less than 36 months after you purchased the Card. If your account is We will not automatically reissue a personalized accountnew card when yours expires, is in good standing, but you can order a new card and has greater than a $0 balance, it will automatically reissuetransfer any remaining balance on the expired Card to the new one. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. For Your Safety When Using an ATM, Please Observe the Following If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction, and then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. Card Activity Information You can review your Card balance and the last 5 transactions activity records by calling toll-free 0-000-000-0000 or by visiting www.GoAFFCU. com xxxxx://xxxxxxxxxxxxx.xxx/spend/personal/prepaid- cards where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your AFFCU Sioux Falls Federal Credit Union VISA Relationship Prepaid Card account number and some of the information requested when you ordered the Card are required for authentication. Card Reloading You can add value of at least $10 20.00 on your Relationship Prepaid Card by making a payment at your local AFFCU Sioux Falls Federal Credit Union branch. Please bear in mind the number of loads on a Non-personalized card is limited to four including the initial load. Personalized cards have unlimited reload capabilities. , however, as a fraud prevention measure we will limit the frequency of reloads to no more than five in any seven day period.. You can also add value at xxx.XxXXXXX.xxx xxxxx://xxxxxxxxxxxxx.xxx/spend/personal/prepaid-cards or by calling toll free 01-000866-000-0000 760- 3156 by initiating funds transfer from your designated Sioux Falls Federal Credit Union funding account. Funds may not be available for immediate use after you have initiated the transfer. ATM Usage The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit of $500 or 5 withdrawals per 24-hour period. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. A In addition to our ATM withdrawal fee described below, an additional fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Relationship Prepaid Card Account Fees and Charges All fees Amount Details Get started Card purchase $10.00 Fee per each Primary Card Account enrollment Secondary Card $5.005.00 Fee per each additional card added to the Primary Account Express Delivery $25.00 Fee per each Expedited Card Delivery requested Monthly usage Inactivity Fee $5.00 Monthly fee assessed after 12 months of inactivity. Add money Value Reload $2.00 Fee per each value reload Direct Deposit $0.00 Not available. Spend Money Purchase Transaction $0.00 Fee per purchase transaction Get Cash ATM Withdrawals $1.00 This is our fee, an additional fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry. Cash Advance $0.00 Fee per cash advance transaction Information Customer Service (automated) $0.00 No fee for calling our automated customer service line, including for balance inquiries. Customer Service (live agent) $3.75 Fee is charged for calling our live customer service agents, including for balance inquiries. Using your card outside the US Foreign Exchange Transaction 1% Of the U.S. dollar amount of each transaction. International ATM Withdrawal $1.00 This is our fee. You may also be charged a fee by the ATM operator, even if you do not complete a transaction. Other Inactive Account $5.00 You will be charged $5.00 each month after you have not completed a transaction using your card for 12 months after card activation. Card Reissue $10.00 Per each card reissue requested Lost Stolen Card Replacement $10.00 Per each card replacement requested Treat this card like cash. Not NCUA insured. Your funds will be held at or transferred to Sioux Falls Federal Credit Union. If Sioux Falls Federal Credit Union fails, you are not protected by NCUA share insurance and could lose some or all of your money. No overdraft/credit feature. Contact Cardholder Services, Inc by calling 000-000-0000, by mail at Cardholder Services X.X. Xxx 000000 XX. Xxxxxxxxxx, XX 00000, or visit xxxxx://xxxxxxxxxx.xxxxxx.xxx/xxxxx.xxx?&clientkey=108930%20Sioux%20Falls%20FCU For general information about prepaid accounts, visit xxxx.xxx/xxxxxxx. If you have a complaint about a prepaid account, call the Consumer Financial Protection Bureau at 0-000-000-0000 or visit xxxx.xxx/xxxxxxxxx. Foreign Exchange: 1% of the transaction amount. If a card transaction is made in a currency other than that loaded on the Card, the amount will be converted into the appropriate currency at an exchange rate on the day the transaction is processed. The exchange rate used is the wholesale money market or the government-mandated rate. Our Liability If we do not complete a transfer from the Card on time or in the correct amount according to these terms and conditions we will be liable for your losses or damages. However there are some exceptions. We will not be liable, for instance: • If through no fault of ours, an ATM or merchant refuses to honor the Card. • If through no fault of ours, you do not have enough money available on your Card to make a withdrawal or purchase. • If the terminal or system was not working properly and it was known about when the transaction started. • If circumstances beyond our control; (such as flood or fire) prevent the transfer, despite reasonable precautions that we have taken. • Other exceptions stated in these terms and conditions.

Appears in 1 contract

Samples: Reloadable Prepaid Card Terms and Conditions

Using Your Card. The VISA Relationship Prepaid Card is a prepaid, reloadable stored-value card. It is neither not a credit card, nor a NCUA insured deposit account. This card is issued by AFFCU; Quest Federal Credit Union, pursuant to a license from Visa U.S.A, Inc. Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The maximum value credited to the Relationship Prepaid Card on issue is limited to $2500.00 5000.00 and no more than $2500.00 5000.00 can be available for use on the Card at any one time. Activate your Personalized Card by calling toll-free, 0-(000-) 000-0000 or visit us online at xxx.XxXXXXX.xxxxxx.xxxxxxxx.xxx. Non Personalized Cards are activated upon load. You will be required, for validation purposes, to provide personal information. During activation you You will also be given a PIN. You may also select PIN for your own PINPersonalized or Non Personalized Card which can be obtained by calling the customer support number. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN all merchants abroad equipped with a number that, while easy for you to remember, may be difficult for someone else to guessglobal chip & pin terminals. You may use your Card after activation. If you cannot remember your PIN, you must call customer support at anytime 24/7/365 to hear your PIN before making more than 3 attempts at entering an incorrect PIN. It is important to remember your PIN because locking your PIN at a merchant terminal using an EMV chip card will require you to unlock the PIN before your International Prepaid Card can be used at another merchant EMV chip terminal again. To unlock your PIN, you must first call the customer support line to obtain your correct PIN, next, find any ATM that accepts EMV chip cards; using the correct PIN, perform a Balance Inquiry or Cash Withdrawal transaction; after this transaction is complete, the PIN will automatically be unlocked and you are free to use your International Prepaid Card again at any merchant and ATM worldwide. The Card is non-transferable. The person whom who purchases the card is purchased for Card is the only person authorized to use the Card. Please do not give your Card to anyone else to use. You may request “four” additional Cards when you order your Card for any user you authorize which will have to be separately activated and which can be used in the same way as the Card at ATMs and merchants that accept VISA debit cards. You are responsible for all authorized transactions made with this additional Card. Only the purchaser can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. However, there can be times when a Visa merchant puts an item through without prior authorization. If an overdraft occurs, the cardholder will be required to either reload funds onto the card or make a payment to Cardholder Services to cover the negative amount. Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. When you use Cash-back is only available at US Visa merchants with your Card International Prepaid Card, it is not available at an automated gas station pump a minimum of $99 available credit may be required on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas stationinternational Visa merchants. If you use the Card to make a telephone call this can require of a minimum credit of $1515.00. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card to pre-authorize a hotel reservation, add 20% to the reservation. Any reservation any amount requested in a pre-authorization preauthorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If thirty 7 days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental and/or cruise ship businesses, businesses likewise add 15% to the rental to allow for any additional expenses. If 30 days elapse without you authorizing an amount any pre-authorization will be cancelled expenses and this will be available to you. Mail mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be the same as the final bill. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card. If your account is At this time, you will need to contact Quest Federal Credit Union if you wish to purchase a personalized account, is in good standing, and has greater than a $0 balance, it will automatically reissuenew card to replace the expired card. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise caution that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. If you have forgotten your PIN, call the customer support number (000) 000-0000 immediately to hear your PIN, especially before you try to use it at a merchant or an ATM. It is very important to maintain the correct PIN because locking it out at a merchant’s EMV Chip terminal results in having to perform the process of unlocking the PIN before it can be used again at an EMV Chip merchant terminal. However, the card can still be used at any ATM’s worldwide that accept EMV Chip cards. . You will have up to 3 attempts at entering a bad PIN before it locks., If you have locked your PIN, you must call the customer support number immediately, choose the option to “Hear Your PIN”, locate an ATM that accepts EMV Chip cards, perform a Balance Inquiry or Cash Withdrawal using the correct PIN in this ATM, complete the transaction, and the PIN will automatically be unlocked now. You can then go use your International Prepaid Card again at any merchant or ATM worldwide. For Your Safety When Using an ATM, Please Observe the Following If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction, then go to a well-populated area. If necessary, call the local police. Do not write your you're PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. Card Activity Information You can review your Card balance and the last 5 transactions activity records by calling toll-free 0-(000-) 000-0000 or by visiting www.GoAFFCU. com xxx.xxxxxxxx.xxx where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your AFFCU Quest Federal Credit Union VISA Relationship Prepaid Card account number and some of the information requested when you ordered the Card are required for authentication. Card Reloading You can add value of at least $10 10.00 on your Relationship Prepaid Card by making a payment at your local AFFCU Quest Federal Credit Union branch. Please bear in mind the number of loads on a Nonpersonalized card is limited to four including the initial load. Personalized cards have unlimited reload capabilities. You can also add value at xxx.XxXXXXX.xxx xxx.xxxxxxxx.xxx or by calling toll free 0-(000-) 000-0000 by initiating funds transfer from your designated funding account. Funds may not be available for immediate use after you have initiated the transfer. The ability to set up direct deposit from your employer is also available. ATM Usage The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit of $500.00 per day. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. A fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Relationship Prepaid Card Account Fees and Charges Card Fee – Fee: $5.0015.00 if a member and ordered from a local branch and $15.00 plus shipping as advised when ordering online. Secondary Card Fee: $15.00 plus shipping as advised when ordering online. Inactivity Fee: If no activity for twelve months, a monthly inactivity fee of $3.00 per month will be assessed to the card balance until the card is activated. Card Replacement / Reissue Fee: You will be charged a fee of $15.00 to replace a card that is lost or stolen, and to reissue a card due to a name change or damaged card. An Emergency card replacement can be requested if the PIN is blocked and/or circumstances request an immediate turnaround on shipping out the replacement card; there will be an extra cost of $35 assessed to the prepaid card for this Emergency Card Replacement service.

Appears in 1 contract

Samples: questfcu.com

Using Your Card. The International VISA Relationship Prepaid Card is a prepaid, reloadable stored-value card. It is neither not a credit card, nor a NCUA insured deposit account. This card is issued by AFFCU; InFirst FCU pursuant to a license from Visa U.S.A, Inc. Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The maximum value credited to the Relationship Prepaid Card on issue is limited to $2500.00 3,000 and no more than $2500.00 3,000 can be available for use on the Card at any one time. Activate your Card on line at xxxxxxxxxx.xxx or by calling toll-free, 0-free (000) 000-000-0000 or visit us online at xxx.XxXXXXX.xxx0000. You will be required, for validation purposes, to provide personal information. During activation you You will also be given a PIN. You may also , and will have the opportunity to select a PIN of your own PINchoosing. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN all merchants abroad equipped with a number that, while easy for you to remember, may be difficult for someone else to guessglobal chip & pin terminals. You may use your Card after activation. If you cannot remember your PIN, you must call customer support at anytime 24/7/365 to hear or change your PIN. The Card is non-transferable. The person whom who purchases the card is purchased for Card is the only person authorized to use the Card. Please do not give your Card to anyone else to use. You are responsible for all authorized transactions made with this Card. Only the purchaser can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. However, there can be times when a Visa merchant puts an item through without prior authorization. If an overdraft occurs, the cardholder will be required to either reload funds onto the card or make a payment to Cardholder Services to cover the negative amount. Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. Cash-back is only available at US Visa merchants with your International VISA Prepaid Card, it is not available at international Visa merchants. When you use your Card at an automated gas station pump you will require a minimum of $99 100 available credit may be required on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require of a minimum credit of $1515.00. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise lines operate a similar policy, usually 15%. Should you use your Card to pre-authorize a hotel reservation, add 20% to the reservation. Any reservation any amount requested in a pre-authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If thirty 7 days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental and/or cruise ship businesses, businesses likewise add 15% to the rental to allow for any additional expenses. If 30 days elapse without you authorizing an amount any pre-authorization will be cancelled expenses and this will be available to you. Mail mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be the same as the final bill. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card. If your account is a personalized account, is in good standing, and has greater than a $0 balance, it will automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise that any person If you have forgotten your PIN, call the customer support number (000) 000-0000 immediately to whom you may give an additional Card should be advised to treat the PIN for that Card in the same mannerhear or change your PIN. For Your Safety When Using an ATM, Please Observe the Following If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction, then go to a well-populated area. If necessary, call the local police. Do not write your you're PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. Card Activity Information You can review your Card balance and the last 5 transactions activity records by calling toll-free 0-(000-) 000-0000 or by visiting www.GoAFFCU. com xxxxxxxxxx.xxx where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your AFFCU International VISA Relationship Prepaid Card account number and some of the information requested when you ordered the Card are required for authentication. Card Reloading You can add value of at least $10 20.00 on your Relationship Prepaid Card by making a payment at your local AFFCU InFirst FCU branch. Personalized cards have unlimited reload capabilitiesPlease bear in mind the number of loads on a non-personalized card is limited to four, including the initial load. You can also add value at xxx.XxXXXXX.xxx xxxxxxxxxx.xxx or by calling toll free 0-(000-) 000-0000 by initiating funds transfer from your designated funding account. Funds may not be available for immediate use after you have initiated the transfer. ATM Usage The frequency, amount, and timing of cash withdrawals made from ATMs; ATMs may be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit of $510 domestically and $610 internationally per 24-hour period. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. A fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Relationship Prepaid Card Account Fees and Charges Card Fee - $5.0010.00 Card Replacement Fee - You will be charged a fee of $10.00 to replace a card that is lost, stolen, or damaged. An Emergency card replacement can be requested if the circumstances require an immediate turnaround on shipping out the replacement card; there will be an extra cost of $35 assessed to the prepaid card for this Emergency Card Replacement service.

Appears in 1 contract

Samples: static1.squarespace.com

Using Your Card. The VISA Relationship Prepaid Card is a prepaid, reloadable stored-value card. It is neither a credit card, nor a NCUA FDIC insured deposit account. This card is issued by AFFCU360 Federal Credit Union; pursuant to a license from Visa U.S.A, Inc. Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The maximum value credited to the Relationship Prepaid Card on issue is limited to $2500.00 5000.00, and no more than $2500.00 can be available for use on the Card at any one time. Activate your Card by calling toll-free, 0-000-000-0000 or visit us online at xxx.XxXXXXX.xxxxxx.000xxx.xxx. You will be required, for validation purposes, to provide personal information. During activation you will be given a PIN. You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card after activation. The Card is non-transferable. The person whom who purchases the card is purchased for Card is the only person authorized to use the Card. Please do not give your Card to anyone else to use. You may request two additional Cards when you order your Card for any user you authorize which will have to be separately activated and which can be used in the same way as the Card at ATMs and merchants that accept VISA debit cards. You are responsible for all authorized transactions made with this additional Card. Only the purchaser primary cardholder can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. When you use your Card at an automated gas station pump you will require a minimum of $99 49.00 available credit may be required on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require of minimum credit of $1515.00. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-pre- authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card to pre-authorize a hotel reservation, add 20% to the reservation. Any reservation any amount requested in a pre-authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If thirty five (5) days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental and/or cruise ship businesses, businesses likewise add 15% to the rental to allow for any additional expenses. If 30 days elapse without you authorizing an amount any pre-authorization will be cancelled expenses and this will be available to you. Mail mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be as the final bill. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card, which will be not less than 36 months after you purchased the Card. If your account is a personalized account, is in good standing, and has greater than a $0 balance, it will automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. For Your Safety When Using an ATM, Please Observe the Following If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction, then go to a well-populated area. If necessary, call the local police. Do not write your you’re PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. Card Activity Information You can review your Card balance and the last 5 transactions activity records by calling toll-free 01-000866-000-0000 760- 3156 see below or applicable fees or by visiting www.GoAFFCU. com xxx.000xxx.xxx where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your AFFCU 360FCU VISA Relationship Prepaid Card account number and some of the information requested when you ordered the Card are required for authentication. Card Reloading You can add value of at least $10 25.00 on your Relationship Prepaid Card by making a payment at your local AFFCU 360 Federal Credit Union branch. Please bear in mind the number of loads on a Non-personalized card is limited to four including the initial load. Personalized cards have unlimited reload capabilities. You can also add value at xxx.XxXXXXX.xxx xxx.000xxx.xxx or by calling toll free 0-000-000-0000 by initiating funds transfer from your designated funding account. Funds may not be available for immediate use after you have initiated the transfer. ATM Usage The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit of $500 or 5 withdrawals per 24-hour period. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. A In addition to our ATM withdrawal fee described below, an additional fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Relationship Reloadable Prepaid Card Account Fees and Charges $10.95 Initial Enrollment Fee $5.95 Additional Card Fee: If ordered at the same time as the primary card. $5.95 Additional Value Load Fee – $5.00or Reload Fee: To reload value onto your Visa Prepaid Card. (Please remember Non-Personalized cards are limited to 4 reloads included the initial value load).

Appears in 1 contract

Samples: www.360fcu.org

Using Your Card. The VISA Relationship Card is a prepaid, reloadable stored-value card. It is neither a credit card, nor a NCUA insured deposit account. This card is issued by AFFCU; pursuant to a license from Visa U.S.A, Inc. Your Card allows you may be used to access your prepaid the Available Balance of funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The maximum value credited to the Relationship Card on issue is limited to $2500.00 and no more than $2500.00 can be available for use stored on the Card everywhere Visa debit cards are accepted. • If you pay at any one time. Activate the pump for gas, the card terminal in the "pay at the pump" stations automatically checks to see if your Card by calling toll-freehas enough money left to pay for an average purchase of gas which varies among merchants and is at least $100. If your Card does not have enough money to pay for this amount, 0-000-000-0000 or visit us online at xxx.XxXXXXX.xxx. You your transaction will be required, for validation purposes, to provide personal information. During activation you will be given a PIN. You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card after activationdeclined. The Card average gas purchase amount changes just as retail gas prices change. If you plan to buy less than $100 worth of gas, it is non-transferable. The person whom the card is purchased for is the only person authorized to use the Card. Please do not recommended that you give your Card to anyone else the station attendant and state exactly how much gas you want to use. You are responsible for all authorized transactions made with this Card. Only the purchaser can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Cardpurchase, including any transaction fees. Any transaction made that exceeds the available balance will be declined. Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. When you use instead of swiping your Card at an automated gas station pump a minimum of $99 available credit may be required on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed)pump. If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require of minimum credit of $15. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Should you use your Card to pre-authorize a hotel reservation, add 20% to the reservation. Any amount requested in a pre-authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If thirty days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental and/or cruise ship businesses, likewise add 15% to the rental to allow for any additional expenses. If 30 days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be as the final bill. When making a purchase greater than the Available Balance on the phoneCard, by mail or online alert the account information you provide must be the same account information as registered for the Card and a difference may lead cashier to a declined authorization. If you use the Card to buy goods and you want to use some other method utilize another form of payment for part of to cover the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire amount greater than what is available on the date embossed on the front of the Card. If your account is a personalized account, is in good standing, and has greater than a $0 balance, it will automatically reissue. The Card is our property and we may revoke Ask the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not cashier to use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below)the second form of payment. We may change There is no credit line associated with your Card. This means that you must have a sufficient Available Balance at the terms time of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required a transaction in order to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed pay for the transaction being performedand associated fees. LIMITATIONS ON USE You may use your Card only in the manner and for the purposes authorized by this Agreement. You do may not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible your Card for any injury to illegal purpose, and you or to anyone else caused by any goods or services purchased or leased with may not resell your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to You may not use your Card in place to obtain cash at ATMs. INTERNET GAMBLING TRANSACTIONS PROHIBITED: You may not use your Card to initiate any type of cashelectronic gambling transaction through the Internet. We may suspend restrict access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once If access is denied, you should contact us at the address in Section 1 so that we have notified you, clarified the situation may discuss and rectified rectify any problems. PIN Protection You agree are responsible for all authorized transactions using your Card. AUTHORIZATIONS AND HOLDS Any entity honoring your Card will be required to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN obtain approval or authorization for any transaction in accordance with the rules of Visa U.S.A., Inc. When an authorization is issued, a thirty-day hold may be placed on the value on the Card and never carry a record in the amount of your PIN in your purse or walletthe authorization. If When you permit someone else to use your Card and you give that person your PINin a tipping environment (at restaurants, we will treat this as if you have authorized this person bars, xxxxxx or beauty shops or for taxis or limos), the amount of authorization may include a tip of 20%-25%. Up to use your Card and you will a ninety-day hold may be responsible for any transactions initiated by such person with your Card. We advise that any person to whom you may give an additional Card should be advised to treat placed on the PIN for that value on the Card in the same manneramount of the preauthorization request made by hotels and rental merchants. For Your Safety When Using an ATM, Please Observe the Following If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away authorization request varies from the ATM. Be aware amount of your surroundingsthe transaction the merchant subsequently submits to the Visa system, settlement of the transaction may not remove the hold, which may remain on the Card until the hold days have expired. If you believe you are being watched or followed, cancel your transaction, then go Card is subject to a well-populated area. If necessaryhold, call the local police. Do not write your PIN value on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. Card Activity Information You can review your Card balance and the last 5 transactions activity records by calling toll-free 0-000-000-0000 or by visiting www.GoAFFCU. com where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your AFFCU VISA Relationship Card account number and some of the information requested when you ordered the Card are required for authentication. Card Reloading You can add value of at least $10 on your Relationship Card by making a payment at your local AFFCU branch. Personalized cards have unlimited reload capabilities. You can also add value at xxx.XxXXXXX.xxx or by calling toll free 0-000-000-0000 by initiating funds transfer from your designated funding account. Funds may that is subject to the hold will not be available for immediate use after you have initiated the transfer. ATM Usage The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. A fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Relationship Card Account Fees and Charges Card Fee – $5.00.

Appears in 1 contract

Samples: mobile.centralmainecu.com

Using Your Card. The VISA Relationship Prepaid Card is a prepaid, reloadable stored-value card. It is neither a credit card, nor a NCUA insured deposit account. This card is issued by AFFCU; Achieva Credit Union, pursuant to a license from Visa U.S.A, Inc. Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The maximum value credited to the Relationship Prepaid Card on issue is limited to $2500.00 5,000.00 and no more than $2500.00 5,000.00 can be available for use on the Card at any one time. Activate your Personalized Card by calling toll-free, 0-(000-) 000-0000 or visit us online at xxx.XxXXXXX.xxxwww.achievacu. com/Home/Banking. Non Personalized Cards are activated upon load. You will be required, for validation valida- tion purposes, to provide personal information. During activation you You will also be given a PIN. You may also select PIN for your own PINPersonalized or Non Personalized Card which can be obtained by calling the customer support number. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN all merchants abroad equipped with a number that, while easy for you to remember, may be difficult for someone else to guessglobal chip & pin terminals. You may use your Card after activation. If you cannot remember your PIN, you must call cus- tomer support at anytime 24/7/365 to hear your PIN before making more than 3 attempts at entering an incorrect PIN. It is important to remember your PIN because locking your PIN at a merchant outside the U.S. results in having to obtain a replacement card in order to continue using your International Prepaid Card at a merchant outside the U.S.; locking your PIN at an ATM will require waiting 24 hours for it to automatically unlock, and while waiting remember to call the customer support number to hear your correct PIN. The Card is non-transferable. The person whom who purchases the card is purchased for Card is the only person authorized to use the Card. Please do not give your Card to anyone else to use. You may request 4 additional Cards when you order your Card for any user you authorize which will have to be separately activated and which can be used in the same way as the Card at ATMs and merchants that accept VISA debit cards. You are responsible for all authorized transactions made with this additional Card. Only the purchaser can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. However, there can be times when a Visa merchant puts an item through without prior authorization. If an overdraft occurs, the cardholder will be required to either reload funds onto the card or make a payment to Cardholder Services to cover the negative amount. Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institutioninstitutions. When you use Cash-back is only available at US merchants with your Card International Prepaid Card, it is not available at an automated gas station pump a minimum of $99 available credit may be required on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas stationinternational merchants. If you use the Card to make a telephone call this can require of a minimum credit of $1515.00. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card to pre-authorize a hotel reservation, add 20% to the reservation. Any reservation any amount requested in a pre-authorization autho- rization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If thirty 7 days elapse without you authorizing an amount any pre-authorization autho- rization will be cancelled canceled and this will be available to you. Automobile rental and/or cruise ship businesses, businesses likewise add 15% to the rental to allow for any additional expenses. If 30 days elapse without you authorizing an amount any pre-authorization will be cancelled expenses and this will be available to you. Mail mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be the same as the final bill. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card. If your account card is a personalized accountcard, is in good standing, and has greater than a $0 balance, it will automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased pur- chased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise caution that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. If you have forgotten your PIN, call the customer support number (000) 000-0000 immediately to hear your PIN, especially before you try to use it at a merchant or an ATM. It is very important to maintain the correct PIN because locking it out at a merchant outside the U.S. will result in having to replace your card in order to continue using it at merchants outside the U.S. You will have up to 3 attempts at entering a bad PIN before it locks, however, once it locks at a merchant, this card becomes unusable at merchants outside the U.S. and replacement is required by calling the customer support number. The card can still be used at merchants within the U.S. and at any ATM worldwide. If you lock the PIN while attempting to use it in an ATM, you will not need to replace the card, however, you must wait 24 hours for the system to unlock the PIN. During this waiting period, remember to call customer support to hear your correct PIN. For Your Safety When Using an ATM, Please Observe the Following If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction, then go to a well-populated area. If necessary, call the local police. Do not write your you’re PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. Card Activity Information You can review your Card balance and the last 5 transactions activity records by calling toll-free 0-(000-) 000-0000 or by visiting www.GoAFFCU. com xxx.xxxxxxxxx.xxx/Xxxx/Xxxxxxx where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your AFFCU Achieva Credit Union VISA Relationship Prepaid Card account number and some of the information requested when you ordered the Card are required for authentication. Card Reloading You can add value of at least $10 20.00 on your Relationship Prepaid Card by making a payment at your local AFFCU Achieva Credit Union branch. Please bear in mind the number of loads on a Non-personalized card is limited to four including the initial load. Personalized cards have unlimited reload capabilities. You can also add value at xxx.XxXXXXX.xxx xxx.xxxxxxxxx.xxx/Xxxx/Xxxxxxx or by calling toll free 0-(000-) 000-0000 by initiating funds transfer from your designated funding account. Funds may not be available for immediate use after you have initiated the transfer. The ability to set up direct deposit from your employer is also available. ATM Usage The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit of $605.00 or 3 withdrawals per 24-hour period. There may be other limitations on the types, frequency, and timing of cash withdrawals established estab- lished by us from time to time, without notice, for security purposes. A fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Relationship Prepaid Card Account Fees and Charges Card Fee – Fee: $5.009.95 if a member ordered from a local branch and $9.95 plus shipping as advised when ordering online. Secondary Card Fee: $9.95 plus shipping as advised when ordering online. Inactivity Fee: If no activity for 12 months, a monthly inactivity fee of $1.50 per month will be assessed to the card. Card Replacement / Reissue Fee: You will be charged a fee of $10.00 to replace a card that is lost or stolen, and to reissue a card due to a name change or damaged card. An Emergency card replacement can be requested if the PIN is blocked and/or circumstances require an immediate turnaround on ship- ping out the replacement card; there will be an extra cost of $25 assessed to the prepaid card for this Emergency Card Replacement service. Express Delivery Fee: You will be charged an additional fee of $25.00 when requesting a card order to be sent via express mail. Additional Charges for Transactions in a Foreign Currency and “Cross-Border” Transactions If a card transaction is made in a currency other than that loaded on the Card, the amount will be converted into the appropriate currency at an exchange rate on the day the transaction is processed. The exchange rate used is the wholesale money market or the government-mandated rate increased by 1% (including the Visa® handling charge of 1%).

Appears in 1 contract

Samples: www.achievacu.com

Using Your Card. The VISA Relationship Card is a prepaid, reloadable stored-value card. It is neither a credit card, nor a NCUA insured deposit account. This card is issued by AFFCU; pursuant to a license from Visa U.S.A, Inc. Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card Card to: access cash at merchants who accept VISA ATMs displaying Mastercard, Maestro or Cirrus brand, pay for goods and services anywhere Mastercard® debit cards worldwide. The maximum value credited to the Relationship Card on issue is limited to $2500.00 and no more than $2500.00 can be available for use on the Card at any one time. Activate your Card by calling toll-free, 0-000-000-0000 or visit us online at xxx.XxXXXXX.xxx. You will be required, for validation purposes, to provide personal information. During activation you will be given a PIN. You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guessare accepted. You may use your Card after activation. The to purchase or lease goods or services wherever the Card is non-transferable. The person whom the card is purchased for is the only person authorized to use the Card. Please honored as long as you do not give exceed the value available on your Card to anyone else to useCard. You are personally responsible for all authorized transactions made with this Card. Only the purchaser can load funds to the account. You may only use the Card when there is a balance available on the Card initiated and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. When you use your Card at an automated gas station pump a minimum of $99 available credit may be required on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require of minimum credit of $15. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Should you use your Card to pre-authorize a hotel reservation, add 20% to the reservation. Any amount requested in a pre-authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If thirty days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental and/or cruise ship businesses, likewise add 15% to the rental to allow for any additional expenses. If 30 days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be as the final bill. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card. If your account is a personalized account, is in good standing, and has greater than a $0 balance, it will automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated fees incurred by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to such use your Card and you will be responsible for any transactions initiated by made subject to such person with your Card. We advise that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. For Your Safety When Using an ATM, Please Observe the Following If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundingsuse. If you believe do not have enough value loaded on your Card you can instruct the merchant to charge a part of the purchase to the Card and pay the remaining amount with cash or another card. These are being watched called “split transactions”. Some merchants do not allow cardholders to do split transactions. Some merchants will only allow you to do a split transaction if you pay the remaining amount in cash. Cardholder Agreement IMPORTANT – PLEASE READ CAREFULLY If you use your Card number without presenting your Card (such as for a mail order or followedtelephone purchase), cancel the legal effect will be the same as if you used the Card itself. Your Card cannot be redeemed for cash. You may not use your transactionCard for any illegal transactions, then go nor may you use your Card at casinos, or for gambling activity. You should keep track of the amount of value loaded on Cards issued to a well-populated areayou. If necessary, call You may view the local policeamount of value remaining on your Card by logging into your Card Account at xxxxxxxxx.xxxxxxxx.xxx at any time or by calling us at the Customer Service number shown on your Card and listed below at any time to obtain the current value on your card. Do not write your PIN on or near the To reach us to obtain balances associated with Card. Do not give your PIN to anyone else. In case of an emergency, call 911. Card Activity Information You can review your Card balance and the last 5 transactions activity records by calling Call toll-free 0855-795- 0466, 9 AM – 6 PM for the balance or if you have questions on Card usage, call toll-free 000-000-0000 or 0000, Monday – Friday: 9 AM – 6 PM. Each time you use your Card, you authorize us to reduce the value available on your Card by visiting www.GoAFFCU. com where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your AFFCU VISA Relationship Card account number and some the amount of the information requested when you ordered transaction and any applicable fees. You are not allowed to exceed the Card are required for authentication. Card Reloading You can add value of at least $10 available amount on your Relationship Card by making through an individual transaction or a payment at series of transactions. Nevertheless, if a transaction exceeds the balance of the funds available on your local AFFCU branch. Personalized cards have unlimited reload capabilitiesCard (creating a “shortage”) you shall remain fully liable to us for the amount of the transaction and any applicable fees or charges. You can agree to pay us promptly for the shortage and any applicable shortage fees. We also add value at xxx.XxXXXXX.xxx or by calling toll free 0-000-000-0000 by initiating funds transfer from reserve the right to cancel this Card should you create a shortage with your designated funding account. Funds may not be available for immediate use after you have initiated the transfer. ATM Usage The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. A fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Relationship Card Account Fees and Charges Card Fee – $5.00.

Appears in 1 contract

Samples: testapi.corecard.com

AutoNDA by SimpleDocs

Using Your Card. The VISA Relationship Prepaid Card is a prepaid, reloadable stored-value card. It is neither a credit card, nor a NCUA FDIC insured deposit account. This card is issued by AFFCUXxxxxx Federal Credit Union; pursuant to a license from Visa U.S.A, Inc. Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The maximum value credited to the Relationship Prepaid Card on issue is limited to $2500.00 3000, and no more than $2500.00 3000 can be available for use on the Card at any one time. Activate your Card by calling toll-free, 0-000-000-0000 or visit us online at xxx.XxXXXXX.xxxxxx.xxxxxxxxx.xxx. You will be required, for validation purposes, to provide personal information. During activation you will be given a PIN. You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card after activation. The Card is non-transferable. The person whom who purchases the card is purchased for Card is the only person authorized to use the Card. Please do not give your Card to anyone else to use. You may request two additional Cards when you order your Card for any user you authorize which will have to be separately activated and which can be used in the same way as the Card at ATMs and merchants that accept VISA debit cards. You are responsible for all authorized transactions made with this additional Card. Only the purchaser primary cardholder can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. When you use your Card at an automated gas station pump you will require a minimum of $99 50 available credit may be required on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require of minimum credit of $15. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card to pre-authorize a hotel reservation, add 20% to the reservation. Any reservation any amount requested in a pre-authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If thirty five days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental and/or cruise ship businesses, businesses likewise add 15% to the rental to allow for any additional expenses. If 30 days elapse without you authorizing an amount any pre-authorization will be cancelled expenses and this will be available to you. Mail mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be as the final bill. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost cost, please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card, which will be not less than 36 months after you purchased the Card. If your account is a personalized account, is in good standing, and has greater than a $0 balance, it will automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card Card, and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. For Your Safety When Using an ATM, Please Observe the Following If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction, then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. Card Activity Information You can review your Card balance and the last 5 transactions activity records by calling toll-free 0-000-000-0000 or by visiting www.GoAFFCU. com xxx.xxxxxxxxx.xxx where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your AFFCU Xxxxxx FCU VISA Relationship Prepaid Card account number and some of the information requested when you ordered the Card are required for authentication. Card Reloading You can add value of at least $10 0 on your Relationship Prepaid Card by making a payment at your local AFFCU Xxxxxx Federal Credit Union branch. Please bear in mind the number of loads on a Non-personalized card is limited to three including the initial load. Personalized cards have unlimited reload capabilities. You can also add value at xxx.XxXXXXX.xxx xxx.xxxxxxxxx.xxx or by calling toll free 0-000-000-0000 by initiating funds transfer from your designated funding account. Funds may not be available for immediate use after you have initiated the transfer. ATM Usage The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit of $19 or 3 withdrawals per 24-hour period. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. A In addition to our ATM withdrawal fee described below, an additional fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Relationship Prepaid Card Account Fees and Charges Additional Card Fee – Fee. $5.002.00.

Appears in 1 contract

Samples: www.hughesfcu.org

Using Your Card. The Reloadable VISA Relationship Prepaid Card is a prepaid, reloadable stored-value card. It is neither not a credit card, nor a NCUA insured deposit account. This card is issued by AFFCU; Xxxxxx Federal Credit Union, pursuant to a license from Visa U.S.A, Inc. Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The maximum value credited to the Relationship Prepaid Card on issue is limited to $2500.00 5,000.00 and no more than $2500.00 5,000.00 can be available for use on the Card at any one time. Activate your Card on line at xxx.xxxxxxxxx.xxx or by calling toll-free, 0-(000) 000-0000. For inquiries or support call toll-free (000) 000-0000 or visit us online at xxx.XxXXXXX.xxx0000. You will be required, for validation purposes, to provide personal information. During activation you You will also be given a PIN. You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN merchants abroad equipped with a number that, while easy for you to remember, may be difficult for someone else to guessglobal chip & pin terminals. You may use your Card after activation. If you cannot remember your PIN, you must call customer support at anytime 24/7/365 to hear your PIN. The Card is non-transferable. The person whom who purchases the card is purchased for Card is the only person authorized to use the Card. Please do not give your Card to anyone else to use. You may request up to 4 additional Cards when you order your Card for any user you authorize which will have to be separately activated and which can be used in the same way as the Card at most ATMs and merchants that accept VISA debit cards. You are responsible for all authorized transactions made with this additional Card. Only the purchaser can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. However, there can be times when a Visa merchant puts an item through without prior authorization. If an overdraft occurs, the cardholder will be required to either reload funds onto the card or make a payment to Cardholder Services to cover the negative amount. Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. Cash-back is only available at US Visa merchants with your Reloadable Prepaid Card, it is not available at International Visa merchants. When you use your Card at an automated gas station pump a minimum of it may require up to $99 100 available credit may be required on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require of a minimum credit of $1515.00. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card to pre-authorize a hotel reservation, add 20% to the reservation. Any reservation any amount requested in a pre-pre- authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If thirty 7 days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental and/or cruise ship businesses, businesses likewise add 1520% to the rental to allow for any additional expenses. If 30 days elapse without you authorizing an amount any pre-authorization will be cancelled expenses and this will be available to you. Mail mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be the same as the final bill. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card. If your account card is a personalized accountcard, is in good standing, and has greater than a $0 20 balance, it will automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below). Please refer to the “Fees” section for a list of fees that may apply. Applicable fees will be deducted from the card balance. We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise caution that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. If you have forgotten your PIN, call the customer support number (000) 000-0000 immediately to hear your PIN. For Your Safety When Using an ATM, Please ….Please Observe the Following If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction, and then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. Card Activity Information You can review your Card balance and the last 5 transactions activity records by calling toll-free 0-000-000-0000 or by visiting www.GoAFFCU. com xxx.xxxxxxxxx.xxx where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your AFFCU Xxxxxx Federal Credit Union Reloadable VISA Relationship Prepaid Card account number and some of the information requested when you ordered the Card are required for authentication. Card Reloading You can add value of at least $10 20.00 on your Relationship Prepaid Card by making a payment at your local AFFCU Xxxxxx Federal Credit Union branch. Please bear in mind the number of loads on a Non- personalized card is limited to four including the initial load (after which you will receive a personalized card in the mail). Personalized cards have unlimited reload capabilities. You can also add value online at xxx.XxXXXXX.xxx xxx.xxxxxxxxx.xxx or by calling toll free 0-(000-) 000-0000 by initiating to initiate a funds transfer from your designated funding account. Funds may not be available for immediate use after you have initiated the transfer. The ability to set up direct deposit from your employer is also available. ATM Usage The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. ATM use is subject to a domestic transaction withdrawal limit of $510 or 3 withdrawals per 24-hour period, and an international transaction withdrawal limit of $820 or 3 withdrawals per 24-hour period. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. A fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Relationship Prepaid Card Account Fees and Charges Card Purchase Fee - $10.00* if a member and ordered from a local branch. Secondary Card Fee - $7.00*. *Express Delivery Fee: You will be charged an additional fee of $45.00 when requesting a Card order to be sent via express mail. Monthly Maintenance Fee – There is a $5.003.00 monthly maintenance fee. Inactivity Fee - If no activity for 12 months, a monthly inactivity fee of $3.50 per month will be assessed to the Card balance until the card is used again or the balance reaches zero. Card Replacement Fee - You will be charged a fee of $10.00 to replace a card that is lost or stolen. An Emergency Card replacement can be requested if the circumstances require an immediate turnaround on shipping out the Replacement Card; there will be an extra cost of $35 assessed to the prepaid card for this Emergency Card Replacement service. Card Reissue Fee – You will be charged a fee of $7.00 to reissue a Card in the event of a name change or damaged card. Domestic ATM Withdrawal Fee – There will be a $1.00 fee per Domestic ATM withdrawals when done at a non-Xxxxxx FCU Branch ATM. International ATM Withdrawal Fee – There will be a $5.00 fee for each International ATM withdrawal. PIN Change Fee – There will be a $1.00 fee to change your PIN (you are allowed one free PIN change after each value load). IVR (Automated) Call Fee – You will be charged $1.00 per call to the automated system (your first two calls per month are free). Live Agent Transfer Fee – You will be charged $4.00 if you elect to speak to a live agent from the automated system. Additional Charges for Transactions in a Foreign Currency and "Cross-Border" Transactions If a Card transaction is made in a currency other than that loaded on the Card, the amount will be converted into the appropriate currency at an exchange rate on the day the transaction is processed. The exchange rate used is the wholesale money market or the government- mandated rate increased by 2% (including the Visa® handling charge of 1%).

Appears in 1 contract

Samples: www.cartercu.org

Using Your Card. The VISA Relationship Prepaid Card is a prepaid, reloadable stored-value card. It is neither a credit card, nor a NCUA insured deposit account. This card is issued by AFFCUAgFed; pursuant to a license from Visa U.S.A, Inc. Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The card may not be used at some merchants including non-financial money exchange establishments and gambling establishments. The maximum value credited to the Relationship Prepaid Card on issue is limited to $2500.00 1500.00, and no more than $2500.00 1500.00 can be available for use on the Card at any one time. Your card can be reloaded every 15 days. Activate your Card by calling toll-free, 0-000-000-0000 or visit us online at xxx.XxXXXXX.xxxxxx.xxxxx.xxx. You will be required, for validation purposes, to provide personal information. During activation you will be given a PIN. You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card after activation. The Card is non-transferable. The person whom who purchases the card is purchased for Card is the only person authorized to use the Card. Please do not give your Card to anyone else to use. You may request four additional Cards when you order your Card for any user you authorize which will have to be separately activated and which can be used in the same way as the Card at ATMs and merchants that accept VISA debit cards. You are responsible for all authorized transactions made with this additional Card. Only the purchaser primary cardholder can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institutionpurchases. When you use your Card at an automated gas station pump you will require a minimum of $99 74 available credit may be required on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call call, this can require of a minimum credit of $15. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Should you use your Card to pre-authorize a hotel reservation, add 2015% to the reservation. Any amount requested in a pre-authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If thirty 30 days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental and/or cruise ship businesses, likewise add 15% to the rental rental/reservation to allow for any additional expenses. If 30 days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be as the final bill. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card, which will be not less than 36 months after you purchased the Card. If your account is a personalized account, is in good standing, and has greater than a $0 balance, it will automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. For Your Safety When Using an ATM, Please Observe the Following If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction, and then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. Card Activity Information You can review your Card balance and the last 5 transactions activity records by calling toll-free 0-000-000-0000 or by visiting www.GoAFFCU. com xxx.xxxxx.xxx where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your AFFCU AgFed VISA Relationship Prepaid Card account number and some of the information requested when you ordered the Card are required for authentication. Card Reloading You can add value of at least $10 25 on your Relationship Prepaid Card by making a payment at your local AFFCU AgFed branch. Please bear in mind the number of loads on a Non-personalized card is limited to four including the initial load. Personalized cards have unlimited reload capabilities. You can also add value at xxx.XxXXXXX.xxx xxx.xxxxx.xxx or by calling toll free 0-000-000-0000 by initiating funds transfer from your designated funding account. Funds may not be available for immediate use after you have initiated the transfer. ATM Usage The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit of $500. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. A In addition to our ATM withdrawal fee described below, an additional fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Relationship Prepaid Card Account Fees and Charges Additional Card Fee - $0.00. Card Fee - $3.95 if a member ordered from a local branch and $3.95 plus shipping as advised when ordering on the telephone or online. Reload Fee - $0.00 to reload value onto your Visa Prepaid Card. (Please remember Non-Personalized cards are limited to 4 loads including the initial value load.) ATM Fee - There is a $2.00 ATM withdrawal fee per ATM withdrawal in the US and elsewhere in the world. Bank Cash Advance Fee – This feature is not available Account Maintenance Fee – $5.000.00 Overdraft Fees - In the event your Card has a negative balance, you will pay us on demand the debit balance and you may be charged a $33 fee. Annual fee - None Foreign Exchange: If a card transaction is made in a currency other than that loaded on the Card, the amount will be converted into the appropriate currency at an exchange rate on the day the transaction is processed. The exchange rate used is the wholesale money market or the government-mandated rate (including the VISA handling charge of 1%).

Appears in 1 contract

Samples: www.agfed.org

Using Your Card. The VISA Relationship Prepaid Card is a prepaid, reloadable stored-value card. It is neither not a credit card, nor a NCUA insured deposit account. This card is issued by AFFCU; Apple FCU, pursuant to a license from Visa U.S.A, Inc. Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The maximum value credited to the Relationship Prepaid Card on issue is limited to $2500.00 5,000.00 and no more than $2500.00 5,000.00 can be available for use on the Card at any one time. Activate your Card by calling toll-free, 0-000-000-0000 or visit us online at xxx.XxXXXXX.xxxXxxxxXXX.xxx. You will be required, for validation purposes, to provide personal information. During activation you You will also be given a PIN. You may also select PIN for your own PINPersonalized or Non Personalized Card which can be obtained by calling the customer support number. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN all merchants abroad equipped with a number that, while easy for you to remember, may be difficult for someone else to guessglobal chip & pin terminals. You may use your Card after activation. If you cannot remember your PIN, you must call customer support at anytime 24/7/365 to hear your PIN before making more than three (3) attempts at entering an incorrect PIN. It is important to remember your PIN because locking your PIN at a merchant terminal using an EMV chip card will require you to unlock the PIN before your International Prepaid Card can be used at another merchant EMV chip terminal again. To unlock your PIN, you must first call the customer support line to obtain your correct PIN, next, find any ATM that accepts EMV chip cards; using the correct PIN, perform a Balance Inquiry or Cash Withdrawal transaction; after this transaction is complete, the PIN will automatically be unlocked and you are free to use your International Prepaid Card again at any merchant and ATM worldwide. The Card is non-transferable. The person whom who purchases the card is purchased for Card is the only person authorized to use the Card. Please do not give your Card to anyone else to use. You may request four (4) additional Cards when you order your Card for any user you authorize which will have to be separately activated and which can be used in the same way as the Card at ATMs and merchants that accept VISA debit cards. You are responsible for all authorized transactions made with this additional Card. Only the purchaser can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. However, there can be times when a Visa merchant puts an item through without prior authorization. If an overdraft occurs, the cardholder will be required to either reload funds onto the card or make a payment to Cardholder Services to cover the negative amount. Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. When you use Cash-back is only available at US Visa merchants with your Card International Prepaid Card, it is not available at an automated gas station pump a minimum of $99 available credit may be required on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas stationinternational Visa merchants. If you use the Card to make a telephone call this can require of a minimum credit of $1515.00. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card to pre-authorize a hotel reservation, add 20% to the reservation. Any reservation any amount requested in a pre-authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If thirty seven (7) days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental and/or cruise ship businesses, businesses likewise add 15% to the rental to allow for any additional expenses. If 30 days elapse without you authorizing an amount any pre-authorization will be cancelled expenses and this will be available to you. Mail mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be the same as the final bill. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card. If your account card is a personalized accountcard, is in good standing, and has greater than a $0 5 balance, it will automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise caution that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. If you have forgotten your PIN, call the customer support number 000-000-0000 immediately to hear your PIN, especially before you try to use it at a merchant or an ATM. It is very important to maintain the correct PIN because locking it out at a merchant’s EMV Chip terminal results in having to perform the process of unlocking the PIN before it can be used again at an EMV Chip merchant terminal. However, the card can still be used at any ATM’s worldwide that accept EMV Chip cards. . You will have up to three (3) attempts at entering a bad PIN before it locks., If you have locked your PIN, you must call the customer support number immediately, choose the option to “Hear Your PIN”, locate an ATM that accepts EMV Chip cards, perform a Balance Inquiry or Cash Withdrawal using the correct PIN in this ATM, complete the transaction, and the PIN will automatically be unlocked now. You can then go use your International Prepaid Card again at any merchant or ATM worldwide. For Your Safety When Using an ATM, Please Observe the Following If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction, then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. Card Activity Information You can review your Card balance and the last 5 five (5) transactions activity records by calling toll-free 0-000-000-0000 or by visiting www.GoAFFCU. com XxxxxXXX.xxx where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your AFFCU Apple FCU VISA Relationship Prepaid Card account number and some of the information requested when you ordered the Card are required for authentication. Card Reloading You can add value of at least $10 50.00 on your Relationship Prepaid Card by making a payment at your local AFFCU Apple FCU branch. Please bear in mind the number of loads on a Non- personalized card is limited to four including the initial load. Personalized cards have unlimited reload capabilities. You can also add value at xxx.XxXXXXX.xxx XxxxxXXX.xxx or by calling toll free 0-000-000-0000 by initiating funds transfer from your designated funding account. Funds may not be available for immediate use after you have initiated the transfer. The ability to set up direct deposit from your employer is also available. ATM Usage The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit of $515 per 24-hour period. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. A fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Relationship Prepaid Card Account Fees and Charges Card Fee - $5.007.95 if a member and ordered from a local branch and $7.95 plus shipping as advised when ordering online. Secondary Card Fee - $7.95 plus shipping as advised when ordering online. Inactivity Fee - If no activity for twelve months, a monthly inactivity fee of $2.50 per month will be assessed to the card balance until the card is activated. Card Replacement / Reissue Fee - You will be charged a fee of $5.00 to replace a card that is lost or stolen, and to reissue a card due to a name change or damaged card. An Emergency card replacement can be requested if the PIN is blocked and/or circumstances request an immediate turnaround on shipping out the replacement card; there will be an extra cost of $35 assessed to the prepaid card for this Emergency Card Replacement service.

Appears in 1 contract

Samples: www.applefcu.org

Using Your Card. The VISA Relationship Prepaid Card is a prepaid, reloadable stored-value card. It is neither a credit card, nor a NCUA insured deposit account. This card is issued by AFFCUAgFed; pursuant to a license from Visa U.S.A, Inc. Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The card may not be used at some merchants including non-financial money exchange establishments and gambling establishments. The maximum value credited to the Relationship Prepaid Card on issue is limited to $2500.00 and no more than $2500.00 your card can be available for use on reloaded every 15 days. For the Card non-personalize card, the limit is $1000.00 and can be reloaded every 7 days at any one time$250 intervals. Activate your Card by calling toll-free, 0-000-000-0000 or visit us online at xxx.XxXXXXX.xxxxxx.xxxxx.xxx. You will be required, for validation purposes, to provide personal information. During activation you will be given a PIN. You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card after activation. The Card is non-transferable. The person whom who purchases the card is purchased for Card is the only person authorized to use the Card. Please do not give your Card to anyone else to use. You may request four additional Cards when you order your Card for any user you authorize which will have to be separately activated and which can be used in the same way as the Card at ATMs and merchants that accept VISA debit cards. You are responsible for all authorized transactions made with this additional Card. Only the purchaser primary cardholder can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. When you use your Card at an automated gas station pump you will require a minimum of $99 74 available credit may be required on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require of minimum credit of $15. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Should you use your Card to pre-authorize a hotel reservation, add 2015% to the reservation. Any amount requested in a pre-authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If thirty 30 days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental and/or cruise ship businesses, likewise add 15% to the rental rental/reservation to allow for any additional expenses. If 30 days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be as the final bill. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card, which will be not less than 36 months after you purchased the Card. If your account is a personalized account, is in good standing, and has greater than a $0 balance, it will automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized au- thorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. For Your Safety When Using an ATM, Please Observe the Following If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction, then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. Card Activity Information You can review your Card balance and the last 5 transactions activity records by calling toll-free 0-000-000-0000 or by visiting www.GoAFFCU. com xxx.xxxxx.xxx where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your AFFCU AgFed VISA Relationship Prepaid Card account number and some of the information requested when you ordered the Card are required for authentication. Card Reloading You can add value of at least $10 25 on your Relationship Prepaid Card by making a payment at your local AFFCU AgFed branch. Please bear in mind the number of loads on a Non-personalized card is limited to four including the initial load. Personalized cards have unlimited reload capabilities. You can also add value at xxx.XxXXXXX.xxx xxx.xxxxx.xxx or by calling toll free 0-000-000-0000 by initiating funds transfer from your designated funding account. Funds may not be available for immediate use after you have initiated the transfer. ATM Usage The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit of $500. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. A In addition to our ATM withdrawal fee described below, an additional fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Relationship Prepaid Card Account Fees and Charges Additional Card Fee - $0.00. Card Fee - $3.95 if a member ordered from a local branch and $3.95 plus shipping as advised when ordering on the telephone or online. Reload Fee - $0.00 to reload value onto your Visa Prepaid Card. (Please remember Non-Personalized cards are limited to 4 loads including the initial value load.) ATM Fee - There is a $2.00 ATM withdrawal fee per ATM withdrawal in the US and elsewhere in the world. Bank Cash Advance Fee This feature is not available Account Maintenance Fee - $5.000.00 Annual Fee - None Overdraft Fees - In the event your Card has a negative balance, you will pay us on demand the debit balance and you may be charged a $33 fee.

Appears in 1 contract

Samples: www.agfed.org

Using Your Card. The VISA Relationship Card is a prepaid, reloadable stored-value card. It is neither a credit card, nor a NCUA insured deposit account. This card is issued by AFFCU; pursuant to a license from Visa U.S.A, Inc. Your Card allows you may be used to access your prepaid the Available Balance of funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The maximum value credited to the Relationship Card on issue is limited to $2500.00 and no more than $2500.00 can be available for use stored on the Card anywhere MasterCard debit cards are accepted.  If you pay at any one time. Activate the pump for gas, the card terminal in the “pay at the pump” stations automatically checks to see if your Card by calling toll-freehas enough money left to pay for an average purchase of gas which varies among merchants and is at least $75. If your Card does not have enough money to pay for this amount, 0-000-000-0000 or visit us online at xxx.XxXXXXX.xxx. You your transaction will be required, for validation purposes, to provide personal information. During activation you will be given a PIN. You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card after activationdeclined. The Card average gas purchase amount changes just as retail gas prices change. If you plan to buy less than $75 worth of gas, it is non-transferable. The person whom the card is purchased for is the only person authorized to use the Card. Please do not recommended that you give your Card to anyone else the station attendant and state exactly how much gas you want to use. You are responsible for all authorized transactions made with this Card. Only the purchaser can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Cardpurchase, including any transaction fees. Any transaction made that exceeds the available balance will be declined. Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. When you use instead of swiping your Card at an automated gas station pump a minimum of $99 available credit may be required on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed)pump. If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require of minimum credit of $15. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Should you use your Card to pre-authorize a hotel reservation, add 20% to the reservation. Any amount requested in a pre-authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If thirty days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental and/or cruise ship businesses, likewise add 15% to the rental to allow for any additional expenses. If 30 days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be as the final bill. When making a purchase greater than the Available Balance on the phoneCard, by mail or online alert the account information you provide must be the same account information as registered for the Card and a difference may lead cashier to a declined authorization. If you use the Card to buy goods and you want to use some other method utilize another form of payment for part of to cover the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire amount greater than what is available on the date embossed on the front of the Card. If your account is a personalized account, is in good standing, and has greater than a $0 balance, it will automatically reissue. The Card is our property and we may revoke Ask the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not cashier to use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below)the second form of payment. We may change There is no credit line associated with your Card. This means that you must have a sufficient Available Balance at the terms time of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required a transaction in order to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed pay for the transaction being performedand associated fees. Limitations on Use. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do may not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible your Card for any injury to illegal purpose, and you or to anyone else caused by any goods or services purchased or leased with may not resell your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to You may not use your Card in place to obtain cash at ATMs. INTERNET GAMBLING TRANSACTIONS PROHIBITED: You may not use your Card to initiate any type of cashelectronic gambling transaction through the Internet. We may suspend restrict access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once If access is denied, you should contact us at the address in Section 1 so that we have notified you, clarified the situation may discuss and rectified rectify any problems. PIN Protection You agree are responsible for all authorized transactions using your Card. Authorizations and Holds. Any entity honoring your Card will be required to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN obtain approval or authorization for any transaction in accordance with the rules of MasterCard International, Inc. When an authorization is issued, a thirty-day hold may be placed on the value on the Card and never carry a record in the amount of your PIN in your purse or walletthe authorization. If When you permit someone else to use your Card and you give that person your PINin a tipping environment (at restaurants, we will treat this as if you have authorized this person bars, xxxxxx or beauty shops or for taxis or limos), the amount of authorization may include a tip of 20%-25%. Up to use your Card and you will a ninety-day hold may be responsible for any transactions initiated by such person with your Card. We advise that any person to whom you may give an additional Card should be advised to treat placed on the PIN for that value on the Card in the same manneramount of the preauthorization request made by hotels and rental merchants. For Your Safety When Using an ATM, Please Observe the Following If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away authorization request varies from the ATM. Be aware amount of your surroundingsthe transaction the merchant subsequently submits to the MasterCard system, settlement of the transaction may not remove the hold, which may remain on the Card until the hold days have expired. If you believe you are being watched or followed, cancel your transaction, then go Card is subject to a well-populated area. If necessaryhold, call the local police. Do not write your PIN value on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. Card Activity Information You can review your Card balance and the last 5 transactions activity records by calling toll-free 0-000-000-0000 or by visiting www.GoAFFCU. com where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your AFFCU VISA Relationship Card account number and some of the information requested when you ordered the Card are required for authentication. Card Reloading You can add value of at least $10 on your Relationship Card by making a payment at your local AFFCU branch. Personalized cards have unlimited reload capabilities. You can also add value at xxx.XxXXXXX.xxx or by calling toll free 0-000-000-0000 by initiating funds transfer from your designated funding account. Funds may that is subject to the hold will not be available for immediate use after you have initiated the transfer. ATM Usage The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. A fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Relationship Card Account Fees and Charges Card Fee – $5.00.

Appears in 1 contract

Samples: Cardholder Agreement

Using Your Card. The VISA Relationship Prepaid Card is a prepaid, reloadable stored-value card. It is neither a credit card, nor a NCUA insured deposit account. This card is issued by AFFCUSioux Falls Federal Credit Union; pursuant to a license from Visa U.S.A, Inc. Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The card may not be used at some merchants including non-financial money exchange establishments and gambling establishments. The maximum value credited to the Relationship Prepaid Card on issue is limited to $2500.00 3,000.00, and no more than $2500.00 3,000.00 can be available for use on the Card at any one time. Activate your Card by calling toll-free, 0-000-000-0000 or visit us online at xxx.XxXXXXX.xxxManage Your Prepaid Card. You will be required, for validation purposes, to provide personal information. During activation you will be given a PIN. You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card after activation. The Card is non-transferable. The person whom who purchases the card is purchased for Card is the only person authorized to use the Card. Please do not give your Card to anyone else to use. You may request four additional Cards when you order your Card for any user you authorize which will have to be separately activated and which can be used in the same way as the Card at ATMs and merchants that accept VISA debit cards. You are responsible for all authorized transactions made with this additional Card. Only the purchaser primary cardholder can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. When you use your Card at an automated gas station pump you will require a minimum of $99 99.00 available credit may be required on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require of minimum credit of $1515.00. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card to pre-authorize a hotel reservation, add 20% to the reservation. Any reservation any amount requested in a pre-authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If thirty 3 days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental and/or cruise ship businesses, businesses likewise add 15% to the rental to allow for any additional expenses. If 30 days elapse without you authorizing an amount any pre-authorization will be cancelled expenses and this will be available to you. Mail mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be as the final billxxxx. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card, which will be not less than 36 months after you purchased the Card. If your account is We will not automatically reissue a personalized accountnew card when yours expires, is in good standing, but you can order a new card and has greater than a $0 balance, it will automatically reissuetransfer any remaining balance on the expired Card to the new one. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. For Your Safety When Using an ATM, Please Observe the Following If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction, and then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. Card Activity Information You can review your Card balance and the last 5 transactions activity records by calling toll-free 0-000-000-0000 or by visiting www.GoAFFCU. com Manage Your Prepaid Card where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your AFFCU Sioux Falls Federal Credit Union VISA Relationship Prepaid Card account number and some of the information requested when you ordered the Card are required for authentication. Card Reloading You can add value of at least $10 20.00 on your Relationship Prepaid Card by making a payment at your local AFFCU Sioux Falls Federal Credit Union branch. Please bear in mind the number of loads on a Non-personalized card is limited to four including the initial load. Personalized cards have unlimited reload capabilities. , however, as a fraud prevention measure we will limit the frequency of reloads to no more than five in any seven day period.. You can also add value at xxx.XxXXXXX.xxx Manage Your Prepaid Card or by calling toll free 01-000866-000-0000 760- 3156 by initiating funds transfer from your designated Sioux Falls Federal Credit Union funding account. Funds may not be available for immediate use after you have initiated the transfer. ATM Usage The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit of $500 or 5 withdrawals per 24-hour period. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. A In addition to our ATM withdrawal fee described below, an additional fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Relationship Prepaid Card Account Fees and Charges Card Fee – Fees: First card: $5.0010.00, including first load. Secondary cards: $5.00 Express Card Delivery Fee: $25.00 Reload Fee: $2.00/$3.00 (online/in-branch) to reload value onto your Visa prepaid Refund on Remaining Balance: $2.00 Card Replacement Fee: $10.00 Inactivity Fee: $5.00 per month after 12 months of non usage. ATM Transaction Fee: $1.00 Call Fees: Using interactive voice response line -- $0.75. Live operator -- $3.75 Foreign Exchange: 1% of the transaction amount. If a card transaction is made in a currency other than that loaded on the Card, the amount will be converted into the appropriate currency at an exchange rate on the day the transaction is processed. The exchange rate used is the wholesale money market or the government-mandated rate. Our Liability If we do not complete a transfer from the Card on time or in the correct amount according to these terms and conditions we will be liable for your losses or damages. However there are some exceptions. We will not be liable, for instance:  If through no fault of ours, an ATM or merchant refuses to honor the Card.  If through no fault of ours, you do not have enough money available on your Card to make a withdrawal or purchase.  If the terminal or system was not working properly and it was known about when the transaction started.  If circumstances beyond our control; (such as flood or fire) prevent the transfer, despite reasonable precautions that we have taken.  Other exceptions stated in these terms and conditions.

Appears in 1 contract

Samples: Reloadable Prepaid Card Terms and Conditions

Using Your Card. The VISA Relationship Card is a prepaid, reloadable stored-value card. It is neither not a credit card, nor a NCUA insured deposit account. This card is issued by AFFCUAmerican Southwest Credit Union; pursuant to a license from Visa U.S.A, Inc. Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The maximum value credited to the Relationship Card on issue is limited to $2500.00 2,500, and no more than $2500.00 2,500 can be available for use on the Card at any one time. Activate your Card by visiting us online at xxxx://xxxx.xxx or calling toll-free, 01-000866-000-0000 or visit us online at xxx.XxXXXXX.xxx901- 8090. You will be required, for validation purposes, to provide personal information. During activation you will be given a PIN. You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card after activation. The Card is non-transferable. The person whom the card is purchased for is the only person authorized to use the Card. Please do not give your Card to anyone else to use. You are responsible for all authorized transactions made with this additional Card. Only the purchaser can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institutioninstitutions. When you use your Card at an automated gas station pump you will require a minimum of $99 available credit may be required on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require of a minimum credit of $15. If you use your Card to purchase meals or drinks drinks, many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases purchases, but you will only be debited with the actual amount you spend. Should you use your Card to pre-authorize a hotel reservation, add 20% to the reservation. Any amount requested in a pre-authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If thirty days elapse without you authorizing an amount amount, any pre-authorization will be cancelled and this will be available to you. Automobile rental and/or cruise ship businesses, likewise add 15% to the rental to allow for any additional expenses. If 30 days elapse without you authorizing an amount amount, any pre-authorization will be cancelled and this will be available to you. Mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be as the final bill. When making a purchase on the phone, by mail or online online, the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost cost, please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card. If your account is a personalized account, is in good standing, standing and has greater than a $0 balance, it will automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation revocation, any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. For Your Safety When Using an ATM, Please Observe the Following If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction, then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. Card Activity Information You can review your Card balance and the last 5 transactions transaction activity records by calling toll-free 0-000-000-0000 or by visiting www.GoAFFCU. com xxxx://xxxx.xxx where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your AFFCU American Southwest CU VISA Relationship Card account number and some of the information requested when you ordered the Card are required for authentication. Card Reloading You can add value of at least $10 on your Relationship Card by making a payment at your local AFFCU American Southwest CU branch. Please bear in mind the number of loads on a Non-personalized card is limited to four including the initial load. Personalized cards have unlimited reload capabilities. You can also add value at xxx.XxXXXXX.xxx xxxx://xxxx.xxx or by calling toll free 0-000-000-0000 by initiating funds transfer from your designated funding account. Funds may not be available for immediate use after you have initiated the transfer. ATM Usage The frequency, amount, and timing of cash withdrawals made from ATMs; ATMs may be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit of $510 or 5 withdrawals per 24-hour period domestically, and $610 or 5 withdrawals per 24-hour period internationally. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. A In addition to our ATM withdrawal fee described below, an additional fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Relationship Card Account Fees and Charges Card Fee - $7.95. Express Delivery Fee - $20.00. Reload Fee - $3.00 to reload value onto your Visa Relationship Card. (Your first reload each month is free) ATM Fee - There is a $1.00 ATM withdrawal fee per ATM withdrawal in the US and $2.00 elsewhere in the world. (Your first two withdrawals per month are free) Account Maintenance Fee There is a $5.002.00 monthly maintenance fee. Inactivity Fee – You will be charged a $3.00 monthly inactivity fee after 12 consecutive months of inactivity. This fee will continue until the balance reaches zero or the card is used again. Card Replacement/Reissue Fee – You will be charged $10.00 to replace or reissue a lost, stolen, or damaged card.

Appears in 1 contract

Samples: ascu.org

Using Your Card. The VISA Relationship Prepaid Card is a prepaid, reloadable stored-value card. It is neither a credit card, nor a NCUA insured deposit account. This card is issued by AFFCUChessie Federal Credit Union; pursuant to a license from Visa U.S.A, Inc. Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The maximum value credited to the Relationship Prepaid Card on issue is limited to $2500.00 1000.00, and no more than $2500.00 1000.00 can be available for use on the Card at any one time. Activate your Card by calling toll-free, 0-000-000-0000 or visit us online at xxx.XxXXXXX.xxxxxx.xxxxxxxxxx.xxx. You will be required, for validation purposes, to provide personal information. During activation you will be given a PIN. You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card after activation. The Card is non-transferable. The person whom who purchases the card is purchased for Card is the only person authorized to use the Card. Please do not give your Card to anyone else to use. You may request four additional Cards when you order your Card for any user you authorize which will have to be separately activated and which can be used in the same way as the Card at ATMs and merchants that accept VISA debit cards. You are responsible for all authorized transactions made with this additional Card. Only the purchaser primary cardholder can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. When you use your Card at an automated gas station pump you will require a minimum of $99 74.00 available credit may be required on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require of minimum credit of $15. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases purchases, but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy. Should you use your Card to pre-authorize a hotel reservation, add 20% to the reservation. Any reservation any amount requested in a pre-authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If thirty 3 days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental and/or cruise ship businesses, businesses likewise add 15% to the rental to allow for any additional expenses. If 30 days elapse without you authorizing an amount any pre-authorization will be cancelled expenses and this will be available to you. Mail mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be as the final bill. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card, which will be not less than 36 months after you purchased the Card. If your account is a personalized account, is in good standing, and has greater than a $0 balance, it will automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. For Your Safety When Using an ATM, Please Observe the Following If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction, and then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. Card Activity Information You can review your Card balance and the last 5 transactions activity records by calling toll-free 0-000-000-0000 or by visiting www.GoAFFCU. com xxx.xxxxxxxxxx.xxx where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your AFFCU Chessie VISA Relationship Prepaid Card account number and some of the information requested when you ordered the Card are required for authentication. Card Reloading You can add value of at least $10 .01 on your Relationship Prepaid Card by making a payment at your local AFFCU Chessie Federal Credit Union branch. Please bear in mind the number of loads on a Non-personalized card is limited to four including the initial load. Personalized cards have unlimited reload capabilities. You can also add value at xxx.XxXXXXX.xxx xxx.xxxxxxxxxx.xxx or by calling toll free 0-000-000-0000 by initiating funds transfer from your designated funding account. Funds may not be available for immediate use after you have initiated the transfer. ATM Usage The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit of $500 or 5 withdrawals per 24-hour period. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. A In addition to our ATM withdrawal fee described below, an additional fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Relationship Prepaid Card Account Fees and Charges Additional Card Fee - $2.00. Card Fee - $3.00 Non Personalized from a local branch. $3.00 over the phone plus shipping. $5.00 Personalized. Reload Fee - $1.00 to reload value onto your Visa Prepaid Card. (Please remember Non-Personalized cards are limited to 4 loads including the initial value load.) ATM Fee - There is a $1.00 ATM withdrawal fee per ATM withdrawal in the US and $1.00 elsewhere in the world. ATM Foreign Transaction Fee- There is a $2.00 foreign transaction fee at a Chessie ATM per withdrawal. Overdraft Fees - In the event your Card has a negative balance, you will pay us on demand the debit balance and you may be charged a $15.00 fee. Inactivity Fee- $2.00 fee applied after 365 days of inactivity. Card Replacement Fee- $10.00 Lost or Stolen Card Call Fee IVR- $0.75 0-000-000-0000 Customer Service Call Fee-$3.55 Balance Inquire Online $5.00.No Charge xxx.xxxxxxxxxx.xxx

Appears in 1 contract

Samples: www.chessiefcu.org

Using Your Card. The VISA Relationship Student Card is a prepaid, reloadable stored-value card. It is neither a credit card, nor a NCUA insured deposit account. This card is issued by AFFCUthe Ohio Educational Credit Union; pursuant to a license from Visa U.S.A, Inc. Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The maximum value credited to the Relationship Student Card on issue is limited to $2500.00 2500, and no more than $2500.00 2500 can be available for use on the Card at any one time. Activate your Card by calling toll-free, 0-000-000-0000 or visit us online at xxx.XxXXXXX.xxxxxx.xxxxx.xxx. You will be required, for validation purposes, to provide personal information. During activation you will be given a PIN. You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card after activation. The Card is non-transferable. The person whom who purchases the card is purchased for Card is the only person authorized to use the Card. Please do not give your Card to anyone else to use. You may request four additional Cards when you order your Card for any user you authorize which will have to be separately activated and which can be used in the same way as the Card at ATMs and merchants that accept VISA debit cards. You are responsible for all authorized transactions made with this additional Card. Only the purchaser primary cardholder can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. When you use your Card at an automated gas station pump you will require a minimum of $99 20 available credit may be required on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require of minimum credit of $15. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card to pre-authorize a hotel reservation, add 20% to the reservation. Any reservation any amount requested in a pre-authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If thirty five days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental and/or cruise ship businesses, businesses likewise add 15% to the rental to allow for any additional expenses. If 30 days elapse without you authorizing an amount any pre-authorization will be cancelled expenses and this will be available to you. Mail mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be as the final bill. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card, which will be not less than 24 months after you purchased the Card. If your account is a personalized account, is in good standing, and has greater than a $0 balance, it will automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. For Your Safety When Using an ATM, Please Observe the Following If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction, then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. Card Activity Information You can review your Card balance and the last 5 transactions activity records by calling toll-free 0-000-000-0000 or by visiting www.GoAFFCU. com xxx.xxxxx.xxx where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your AFFCU OHecu VISA Relationship Student Card account number and some of the information requested when you ordered the Card are required for authentication. Card Reloading You can add value of at least $10 20 on your Relationship Student Card by making a payment at your local AFFCU Ohio Educational Credit Union branch. Please bear in mind the number of loads on a Non-personalized card is limited to four including the initial load. Personalized cards have unlimited reload capabilities. You can also add value at xxx.XxXXXXX.xxx xxx.xxxxx.xxx or by calling toll free 0-000-000-0000 by initiating funds transfer from your designated funding account. Funds may not be available for immediate use after you have initiated the transfer. ATM Usage The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit of $2,500 or 9 withdrawals per 24-hour period. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. A In addition to our ATM withdrawal fee described below, an additional fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Relationship Card Student Card Account Fees and Charges Additional Card Fee - $5.009.95 Card Fee - $9.95 if a member and ordered from a local branch and $9.95 plus shipping as advised when ordering on the telephone or online. Reload Fee - $2.00 to reload value onto your Visa Student Card. (Please remember Non-Personalized cards are limited to 4 loads (3 when including the initial value load.) ATM Fee - There is a $1.00 ATM withdrawal fee per ATM withdrawal in the US and 1% elsewhere in the world (see foreign exchange section below for details on foreign transactions). Account Inactivity Fee - You will be charged a fee of $2.55 each month, beginning on the 180th day of inactivity on the Card, as long as there is a balance remaining on the Card.

Appears in 1 contract

Samples: www.ohecu.com

Using Your Card. The VISA Relationship General Purpose Card is a prepaid, reloadable stored-value card. It is neither a credit card, nor a NCUA insured deposit account. This card is issued by AFFCUFirst South Financial Credit Union; pursuant to a license from Visa U.S.A, Inc. Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card Card at merchants who accept VISA debit cards worldwide. The maximum value credited to the Relationship General Purpose Card on issue is limited to $2500.00 5000, and no more than $2500.00 5000 can be available for use on the Card at any one time. Activate your Card by calling toll-free, 01-000866- 760-000-0000 3156 or visit us online at xxx.XxXXXXX.xxxxxx.xxxxxxxxxx.xxx. You will be required, for validation purposes, to provide personal information. During activation you will be given a PIN. You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card after activation. The Card is non-transferable. The person whom who purchases the card is purchased for Card is the only person authorized to use the Card. Please do not give your Card to anyone else to use. You may request two additional Cards when you order your Card for any user you authorize which will have to be separately activated and which can be used in the same way as the Card at ATMs and merchants that accept VISA debit cards. You are responsible for all authorized transactions made with this additional Card. Only the purchaser primary cardholder can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. When you use your Card at an automated gas station pump you will require a minimum of $99 50 available credit may be required on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require of minimum credit of $15. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card to pre-authorize a hotel reservation, add 20% to the reservation. Any reservation any amount requested in a pre-pre- authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If thirty three days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental and/or cruise ship businesses, businesses likewise add 15% to the rental to allow for any additional expenses. If 30 days elapse without you authorizing an amount any pre-authorization will be cancelled expenses and this will be available to you. Mail mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be as the final bill. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card, which will be not less than 36 months after you purchased the Card. If your account is a personalized account, is in good standing, and has greater than a $0 9.95 balance, it will automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. For Your Safety When Using an ATM, Please Observe the Following Following: If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction, transaction and then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. Note: Activity is being recorded by hidden cameras at ATM locations in New York City and/or as required by local regulations. Card Activity Information You can review your Card balance and the last 5 transactions activity records by calling toll-free 01-000866- 760-000-0000 3156 or by visiting www.GoAFFCU. com xxx.xxxxxxxxxx.xxx where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your AFFCU First South Financial VISA Relationship General Purpose Card account number and some of the information requested when you ordered the Card are required for authentication. Card Reloading You can add value of at least $10 50 on your Relationship General Purpose Card by making a payment at your local AFFCU branchFirst South Financial banking center. Please bear in mind the number of loads on a Non-personalized card is limited to three including the initial load. Personalized cards have unlimited reload capabilities. You can also add value at xxx.XxXXXXX.xxx xxx.xxxxxxxxxx.xxx or by calling toll free 0-000-000-0000 by initiating funds transfer from your designated funding account. Funds may not be available for immediate use after you have initiated the transfer. ATM Usage The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit of $500 domestic or $1000 international or 5 withdrawals per 24-hour period. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. A In addition to our ATM withdrawal fee described below, an additional fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Relationship General Purpose Card Account Fees and Charges Additional Card Fee - $5.00.5.00 per card Express shipping charges - $25 per card Card Replacement Fee - $10.00 per card + overnight shipping (if applicable)

Appears in 1 contract

Samples: www.firstsouth.com

Using Your Card. The VISA Relationship Prepaid Card is a prepaid, reloadable stored-value card. It is neither not a credit card, nor a NCUA insured deposit account. This card is issued by AFFCU; Crane Federal Credit Union, pursuant to a license from Visa U.S.A, Inc. Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The maximum value credited to the Relationship Prepaid Card on issue is limited to $2500.00 1,000.00 and no more than $2500.00 2,500.00 can be available for use on the Card at any one time. Activate your Card on line at xxx.xxxxxxx.xxx or by calling toll-free, 0-(000) 000-000-0000 or visit us online at xxx.XxXXXXX.xxx0000. You will be required, for validation purposes, to provide personal information. During activation you You will also be given a PIN. You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN all merchants abroad equipped with a number that, while easy for you to remember, may be difficult for someone else to guessglobal chip & pin terminals. You may use your Card after activation. If you cannot remember your PIN, you must call customer support at anytime 24/7/365 to hear your PIN before making more than 3 attempts at entering an incorrect PIN. It is important to remember your PIN because locking your PIN at a merchant terminal using an EMV chip card will require you to unlock the PIN before your International Prepaid Card can be used at another merchant EMV chip terminal again. To unlock your PIN, you must first call the customer support line to obtain your correct PIN, next, find any ATM that accepts EMV chip cards; using the correct PIN, perform a Balance Inquiry or Cash Withdrawal transaction; after this transaction is complete, the PIN will automatically be unlocked and you are free to use your International Prepaid Card again at any merchant and ATM worldwide. The Card is non-transferable. The person whom who purchases the card is purchased for Card is the only person authorized to use the Card. Please do not give your Card to anyone else to use. You may request 4 additional Cards when you order your Card for any user you authorize which will have to be separately activated and which can be used in the same way as the Card at ATMs and merchants that accept VISA debit cards. You are responsible for all authorized transactions made with this additional Card. Only the purchaser can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. However, there can be times when a Visa merchant puts an item through without prior authorization. If an overdraft occurs, the cardholder will be required to either reload funds onto the card or make a payment to Cardholder Services to cover the negative amount. Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. When you use Cash-back is only available at US Visa merchants with your Card International Prepaid Card; it is not available at an automated gas station pump a minimum of $99 available credit may be required on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas stationinternational Visa merchants. If you use the Card to make a telephone call this can require of a minimum credit of $1515.00. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card to pre-authorize a hotel reservation, add 20% to the reservation. Any reservation any amount requested in a pre-pre- authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If thirty 7 days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental and/or cruise ship businesses, businesses likewise add 15% to the rental to allow for any additional expenses. If 30 days elapse without you authorizing an amount any pre-authorization will be cancelled expenses and this will be available to you. Mail mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be the same as the final bill. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card. If your account card is a personalized accountcard, is in good standing, and has greater than a $0 balance, it will automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise caution that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. If you have forgotten your PIN, call the customer support number (000) 000-0000 immediately to hear your PIN, especially before you try to use it at a merchant or an ATM. It is very important to maintain the correct PIN because locking it out at a merchant’s EMV Chip terminal results in having to perform the process of unlocking the PIN before it can be used again at an EMV Chip merchant terminal. However, the card can still be used at any ATM’s worldwide that accept EMV Chip cards. . You will have up to 3 attempts at entering a bad PIN before it locks., If you have locked your PIN, you must call the customer support number immediately, choose the option to “Hear Your PIN”, locate an ATM that accepts EMV Chip cards, perform a Balance Inquiry or Cash Withdrawal using the correct PIN in this ATM, complete the transaction, and the PIN will automatically be unlocked now. You can then go use your International Prepaid Card again at any merchant or ATM worldwide. For Your Safety When Using an ATM, Please Observe the Following If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction, then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. Card Activity Information You can review your Card balance and the last 5 transactions activity records by calling toll-free 0-(000-) 000-0000 or by visiting www.GoAFFCU. com xxx.xxxxxxx.xxx where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your AFFCU Crane Federal Credit Union VISA Relationship Prepaid Card account number and some of the information requested when you ordered the Card are required for authentication. Card Reloading You can add value of at least $10 20.00 on your Relationship Prepaid Card by making a payment at your local AFFCU Crane Federal Credit Union branch. Please bear in mind the number of loads on a Non- personalized card is limited to four including the initial load. Personalized cards have unlimited reload capabilities. You can also add value at xxx.XxXXXXX.xxx xxx.xxxxxxx.xxx or by calling toll free 0-(000-) 000-0000 by initiating funds transfer from your designated funding account. Funds may not be available for immediate use after you have initiated the transfer. The ability to set up direct deposit from your employer is also available. ATM Usage The frequency, amount, and timing of cash withdrawals made from ATMs; ATMs may be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit of $510 domestically and $610 internationally per 24-hour period. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. A fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Relationship Prepaid Card Account Fees and Charges Card Fee - $5.008.95 if a member and ordered from a local branch and $8.95 plus shipping as advised when ordering online. Secondary Card Fee - $7.95 plus shipping as advised when ordering online.

Appears in 1 contract

Samples: www.cranecu.org

Using Your Card. The VISA Relationship You may use your Card to purchase or lease goods or services wherever the Card is honored as long as you do not exceed the value available on your Card. You are responsible for all transactions initiated by use of your Card. If you permit someone else to use your Card we will treat this as if you have authorized such use and you will be responsible for any transactions made subject to such use. If you do not have enough value loaded on your Card you can instruct the merchant to charge a prepaid, reloadable stored-value part of the purchase to the Card and pay the remaining amount with cash or another card. It is neither These are called “split transactions”. Some merchants do not allow cardholders to conduct split transactions. Some merchants will only allow you to do a credit cardsplit transaction if you pay the remaining amount in cash. If you use your Card number without presenting your Card (such as for a mail order or telephone purchase), nor a NCUA insured deposit accountthe legal effect will be the same as if you used the Card itself. This card is issued by AFFCU; pursuant to a license from Visa U.S.AFor security reasons, Inc. we may limit the amount or number of transactions you can make on your Card. Your Card allows you cannot be redeemed for cash. The card cannot be used for cash withdrawal at ATM’s or to access your prepaid funds get cash back at ATMs, which display the Visa brandPOS purchases. You may also not use your Card for any illegal transactions, use at casinos, and any gambling activity. You may use your card up to 50 times per day for a maximum of $25.00. For gas purchases please see the store attendant You should keep track of the amount of value loaded on Cards issued to you. You may call us at merchants who accept VISA debit cards worldwide. The maximum value credited to the Relationship Customer Service number shown on your Card on issue is limited to $2500.00 and no more than $2500.00 can be available for use on the Card listed below at any one timetime to obtain the current value on your Card. Activate your Card by calling To reach us, call toll-free, free 0-000-000-0000 or visit us online at xxx.XxXXXXX.xxxfor the balance. You will be required, for validation purposes, Our business hours are Monday through Friday 9 a.m. to provide personal information5 p.m. with customer service available 24 hours a day 7 days a week. During activation Each time you will be given a PIN. You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card after activation. The Card is non-transferable. The person whom Card, you authorize us to reduce the card is purchased for is the only person authorized to use the Card. Please do not give value available on your Card to anyone else to useby the amount of the transaction. You are responsible for all authorized transactions made with this Card. Only the purchaser can load funds not allowed to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds exceed the available balance will be declined. Some Interlink and VISA merchants may, subject to limits, allow you to use amount on your Card for cash-back on purchases and cash may be advanced at through an individual transaction or a Visa affiliated financial institution. When you use your Card at an automated gas station pump a minimum series of $99 available credit may be required on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require of minimum credit of $15. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Should you use your Card to pre-authorize a hotel reservation, add 20% to the reservation. Any amount requested in a pre-authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If thirty days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental and/or cruise ship businesses, likewise add 15% to the rental to allow for any additional expenses. If 30 days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be as the final bill. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card. If your account is a personalized account, is in good standing, and has greater than a $0 balance, it will automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreementtransactions. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled authorize a transaction and then fail to make a refund for any reason for goods or services obtained with purchase of that item as planned, the approval may result in a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise that any person to whom you may give an additional Card should be advised to treat the PIN hold for that Card in the same manner. For Your Safety When Using an ATM, Please Observe the Following If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need amount of funds for up to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction, then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. Card Activity Information You can review your Card balance and the last 5 transactions activity records by calling toll-free 0-000-000-0000 or by visiting wwwten (10) days.GoAFFCU. com where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your AFFCU VISA Relationship Card account number and some of the information requested when you ordered the Card are required for authentication. Card Reloading You can add value of at least $10 on your Relationship Card by making a payment at your local AFFCU branch. Personalized cards have unlimited reload capabilities. You can also add value at xxx.XxXXXXX.xxx or by calling toll free 0-000-000-0000 by initiating funds transfer from your designated funding account. Funds may not be available for immediate use after you have initiated the transfer. ATM Usage The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. A fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Relationship Card Account Fees and Charges Card Fee – $5.00.

Appears in 1 contract

Samples: Cardholder Agreement

Using Your Card. The VISA Relationship Prepaid Card is a prepaid, reloadable stored-value card. It is neither not a credit card, nor a NCUA insured deposit account. This card is issued by AFFCU; The Southern Credit Union pursuant to a license from Visa U.S.A, Inc. Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The card may not be used at some merchants including non-financial money exchange establishments and gambling establishments. The maximum value credited to the Relationship Prepaid Card on issue is limited to $2500.00 5,000, and no more than $2500.00 5,000 can be available for use on the Card at any one time. Activate your Card by calling toll-free, 0-000-000-0000 or visit us online at xxx.XxXXXXX.xxxxxx.xxxxxxxxxxxxxx.xxx. You will be required, for validation purposes, to provide personal information. During activation To obtain your PIN you will be given a need to call 0-000-000-0000. Once you have your initial PIN. You , you may also select your own PIN. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card after activation. The Card is non-transferable. The person whom who purchases the card is purchased for Card is the only person authorized to use the Card. Please do not give your Card to anyone else to use. You may request up to four additional Cards when you order your Card for any user you authorize which will have to be separately activated and which can be used in the same way as the Card at ATMs and merchants that accept VISA debit cards. You are responsible for all authorized transactions made with this additional Card. Only the purchaser primary cardholder can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institutioninstitutions. When you use your Card at an automated gas station pump you will require a minimum of $99 74 available credit may be required on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require of a minimum credit of $15. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Should you use your Card to pre-authorize a hotel reservation, add 20% to the reservation. Any amount requested in a pre-authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If thirty 30 days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental and/or cruise ship businesses, businesses likewise add 15% to the rental rental/reservation to allow for any additional expenses. If 30 days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be as the final bill. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card. If your account is a personalized account, is in good standing, and has greater than a $0 balance, it will automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. For Your Safety When Using an ATM, Please Observe the Following If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction, then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. Card Activity Information You can review your Card balance and the last 5 transactions activity records by calling toll-free 0-000-000-0000 or by visiting www.GoAFFCU. com xxx.xxxxxxxxxxxxxx.xxx where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your AFFCU The Southern Credit Union VISA Relationship Prepaid Card account number and some of the information requested when you ordered the Card are required for authentication. Card Reloading You can add value of at least $10 on your Relationship Card by making a payment at your local AFFCU branch. Personalized cards have unlimited reload capabilities. You can also add value at xxx.XxXXXXX.xxx or by calling toll free 0-000-000-0000 by initiating funds transfer from your designated funding account. Funds may not be available for immediate use after you have initiated the transfer. ATM Usage The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. A fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Relationship Card Account Fees and Charges Card Fee – $5.00.

Appears in 1 contract

Samples: www.southernonline.org

Using Your Card. The VISA Relationship Prepaid Card is a prepaid, reloadable stored-value card. It is neither not a credit card, nor a NCUA insured deposit account. This card is issued by AFFCU; American Southwest Credit Union, pursuant to a license from Visa U.S.A, Inc. Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The maximum value credited to the Relationship Prepaid Card on issue is limited to $2500.00 5,000 and no more than $2500.00 5,000 can be available for use on the Card at any one time. Activate your Card on line at xxxx://xxxx.xxx/ or by calling toll-free, 0-(000) 000-000-0000 or visit us online at xxx.XxXXXXX.xxx0000. You will be required, for validation purposes, to provide personal information. During activation you You will also be given a PIN. You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN all merchants abroad equipped with a number that, while easy for you to remember, may be difficult for someone else to guessglobal chip & pin terminals. You may use your Card after activation. If you cannot remember your PIN, you must call customer support at anytime 24/7/365 to hear your PIN. The Card is non-transferable. The person whom who purchases the card is purchased for Card is the only person authorized to use the Card. Please do not give your Card to anyone else to use. You may request up to 4 additional Cards when you order your Card for any user you authorize which will have to be separately activated and which can be used in the same way as the Card at ATMs and merchants that accept VISA debit cards. You are responsible for all authorized transactions made with this additional Card. Only the purchaser can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. However, there can be times when a Visa merchant puts an item through without prior authorization. If an overdraft occurs, the cardholder will be required to either reload funds onto the card or make a payment to Cardholder Services to cover the negative amount. Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. Cash-back is only available at US Visa merchants with your International Prepaid Card, it is not available at international Visa merchants. When you use your Card at an automated gas station pump you will require a minimum of $99 available credit may be required on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require of a minimum credit of $1515.00. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card to pre-authorize a hotel reservation, add 20% to the reservation. Any reservation any amount requested in a pre-pre- authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If thirty 7 days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental and/or cruise ship businesses, businesses likewise add 15% to the rental to allow for any additional expenses. If 30 days elapse without you authorizing an amount any pre-authorization will be cancelled expenses and this will be available to you. Mail mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be the same as the final bill. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card. If your account card is a personalized accountcard, is in good standing, and has greater than a $0 balance, it will automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise caution that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. If you have forgotten your PIN, call the customer support number (000) 000-0000 immediately to hear your PIN. For Your Safety When Using an ATM, Please Observe the Following If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction, then go to a well-populated area. If necessary, call the local police. Do not write your you're PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. Card Activity Information You can review your Card balance and the last 5 transactions activity records by calling toll-free 0-(000-) 000-0000 or by visiting www.GoAFFCU. com xxxx://xxxx.xxx/ where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your AFFCU American Southwest Credit Union VISA Relationship Prepaid Card account number and some of the information requested when you ordered the Card are required for authentication. Card Reloading You can add value of at least $10 50.00 on your Relationship Prepaid Card by making a payment at your local AFFCU American Southwest Credit Union branch. Please bear in mind the number of loads on a Non- personalized card is limited to four including the initial load. Personalized cards have unlimited reload capabilities. You can also add value at xxx.XxXXXXX.xxx xxxx://xxxx.xxx/ or by calling toll free 0-(000-) 000-0000 by initiating funds transfer from your designated funding account. Funds may not be available for immediate use after you have initiated the transfer. The ability to set up direct deposit from your employer is also available. ATM Usage The frequency, amount, and timing of cash withdrawals made from ATMs; ATMs may be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit of $510 or 5 withdrawals per 24-hour period domestically, and $610 or 5 withdrawals internationally. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. A fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Relationship Prepaid Card Account Fees and Charges Card Fee - $7.95 personalized / $5.95 non-personalized Secondary Card Fee - $4.95 personalized / $3.95 non-personalized Express Delivery Fee - $20.00 Monthly Maintenance Fee There is a $5.002.00 monthly maintenance fee. Inactivity Fee - If no activity for 12 consecutive months, a monthly inactivity fee of $3.00 per month will be assessed to the card balance until the balance reaches zero or the card is used again.

Appears in 1 contract

Samples: ascu.org

Time is Money Join Law Insider Premium to draft better contracts faster.