Common use of Visa Debit Card Clause in Contracts

Visa Debit Card. You may use your VISA Debit Card to purchase goods and services any place your Card is honored by participating merchants, including Point of Sale (POS) terminals within the Cirrus, Plus, STAR, Visa, American Express and Co-op Networks (with PIN) and Cirrus, Plus, Visa, and Accel networks (without PIN) or such other POS terminals as the Credit Union may designate. Funds to cover your Card purchases will be deducted from your checking account. We deduct the amount of your transaction, including any charges imposed by the merchant or financial institution, from your checking account. We may debit or place a hold on your account for a transaction either on the day it is presented to us for payment, by electronic or other means, or on the day we receive notice of the transaction — whichever is earlier — even though the transaction may not be actually posted to your account until a later date. When you use your Visa Debit Card for a Visa transaction, if the merchant requests preauthorization for this transaction, we will place a three (3) business day hold on your account for the amount of the preauthorization request (which may vary in some cases from the amount of the actual purchase, depending on the merchant’s request). You agree that all transactions that you initiate by use of your VISA Debit Card are legal in the jurisdiction where you live and/or where the transaction occurred. Internet gambling may be illegal in the jurisdiction in which you are located, including the United States. Your VISA Debit Card may only be used for legal transactions. Display of a payment card logo by an online merchant does not mean that internet gambling transactions are lawful in all jurisdictions in which you may be located. We have restricted all online gambling transactions with the VISA Debit Card. Some merchants may permit you to initiate debit and bill payment transactions with your card using either the Visa network or another network shown on your card, such as the PLUS or CO-OP networks. The Credit Union will honor your debit transactions processed by any of these networks. Transactions processed over the Visa network do not require you to use your PIN to validate the transaction. Generally, you will sign a receipt, provide your card number (e.g. internet, mail, or telephone transactions), or swipe your card at a terminal. Also, there are certain protections and rights such as the zero liability protections in the section titled “Member Liability,” applicable only to Visa processed transactions. Transactions processed over other networks may not require you to use your PIN in order to validate a transaction. Generally, you enter your card number or swipe your card and provide or enter a PIN. However, some merchants may not require you to provide a PIN, and allow you to choose whether the transaction is processed by Visa or another network. Provisions applicable only to Visa transactions (such as Visa’s zero liability protections) will not apply to non-Visa debit transactions and the liability rules for other EFTs in the section titled “Member Liability” will apply.

Visa Debit Card. If approved, you may use your card and PIN in ATMs of the credit union and designated networks. You may use your VISA Debit Card card without a PIN for certain transactions on the designated networks. You may use your card to purchase goods and services any place your Card is honored by from participating merchants. You may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, including Point you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Provisions of Sale this Agreement relating to Visa transactions do not apply to transactions processed through non-Visa Network. To initiate a Visa Debit transaction, you may sign a receipt, provide a card number or swipe your card through a point-of-sale (POS) terminals within terminal and choose to route the Cirrus, Plus, STAR, Visa, American Express transaction over a Visa Network. Refer to the Member Liability section of this Agreement for terms and Co-op Networks (with PIN) and Cirrus, Plus, Visa, and Accel networks (without PIN) or such other POS terminals as the Credit Union may designateconditions. Funds to cover your Card card purchases will be deducted from your checking account. We deduct the amount of your transactionIf card is not used in twelve consecutive months, including any charges imposed by the merchant or financial institution, from your checking account. We may debit or place a hold on your account for a transaction either on the day it thirteenth month an applicable fee will occur.* If the card is presented not used in eighteen consecutive months, the card will be closed. For one-time debit transactions, you must consent to us for paymentthe Credit Union’s overdraft privilege program with extended coverage. Without your consent, by electronic or other means, or on the day we receive notice of the transaction — whichever is earlier — even though the transaction Credit Union may not be actually posted to your account until a later dateauthorize and pay an overdraft resulting from these transactions. When you use your Visa Debit Card for a Visa transactionFor other types of transactions, if the merchant requests preauthorization for this transaction, we will place a three (3) business day hold on balance in your account for is not sufficient to pay the transaction amount, the Credit Union may pay the amount of and treat the preauthorization transaction as a request (which may vary in some cases to transfer funds from the amount of the actual purchaseother deposit accounts, depending on the merchant’s request). You agree that all transactions approved overdraft protection accounts, or loan accounts that you have established. If you initiate by use a transaction that overdraws your account, you agree to make immediate payment of your VISA Debit Card are legal in any overdrafts together with any service charges to the jurisdiction where you live and/or where the transaction occurred. Internet gambling may be illegal in the jurisdiction in which you are located, including the United States. Your VISA Debit Card may only be used for legal transactions. Display of a payment card logo by an online merchant does not mean Credit Union that internet gambling transactions are lawful in all jurisdictions in which you may be locatedincur.* In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. We have restricted all online gambling transactions with At the VISA Debit Cardpresent time, you may also use your card to: • Make deposits to your savings and checking accounts at credit union or participating network ATMs.* • Withdraw funds from your savings and checking accounts at credit union or participating network ATMs.* • Transfer funds from your savings and checking accounts. Some merchants may permit you to initiate debit • Obtain balance information from your savings and bill payment checking accounts.* • Make POS transactions with your card using either the Visa network or another network shown on your card, such as the PLUS or CO-OP networks. The Credit Union will honor your debit transactions processed by any of these networks. Transactions processed over the Visa network do not require you to use your and PIN to validate the transactionpurchase goods or services at merchants that accept Visa. Generally, you will sign a receipt, provide your card number (e.g. internet, mail, or telephone transactions), or swipe • Make POS Direct Debit Bill Payments using your card at participating network vendors. • Make POS account to account money transactions at participating network ATMs. • Order goods or services by mail or telephone from merchants that accept Visa. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • You may make ten (10) Visa Debit Card purchases (non-PIN transactions**) per day • You may purchase up to a terminalmaximum of $5,000 (non-PIN transactions**) per day. Also• There is no limit to the number of cash withdrawals you may make in any one day from an ATM machine. • You may withdraw up to a maximum of $500 in any one day from an ATM machine, if there are sufficient funds in your account. • There is no limit on the number of POS transactions you may make in any one day. • You may purchase up to a maximum of $2,500 from POS terminals per day, if there are sufficient funds in your account. • For security purposes, there are certain protections other limits on the frequency and rights such as amount of transfers available at ATMs. • You may transfer up to the zero liability protections available balance in your accounts at the section titled “Member Liability,” applicable only time of the transfer. • There may be a delay between the time an ATM deposit (either cash or check) is made and when it will be available for withdrawal. There may also be a delay for any other deposits and/or transactions due to Visa processed transactions. Transactions processed over other networks may not require you to use your PIN in order to validate a transaction. Generally, you enter your card number or swipe your card system servicing and provide or enter a PIN. However, some merchants may not require you to provide a PIN, and allow you to choose whether the transaction is processed by Visa or another network. Provisions applicable only to Visa transactions (such as Visa’s zero liability protections) will not apply to non-Visa debit transactions and the liability rules for other EFTs in the section titled “Member Liability” will applyprocessing.

Visa Debit Card. If approved, you may use your card and PIN in ATMs of the credit union and designated networks. You may use your VISA Debit Card card without a PIN for certain transactions on the designated networks. You may use your card to purchase goods and services any place your Card is honored by from participating merchants. You may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, including Point you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Provisions of Sale this Agreement relating to Visa transactions do not apply to transactions processed through non -Visa Network. To initiate a Visa Debit transaction, you may sign a receipt, provide a card number or swipe your card through a point-of-sale (POS) terminals within terminal and choose to route the Cirrus, Plus, STAR, Visa, American Express transaction over a Visa Network. Refer to the Member Liability section of this Agreement for terms and Co-op Networks (with PIN) and Cirrus, Plus, Visa, and Accel networks (without PIN) or such other POS terminals as the Credit Union may designateconditions. Funds to cover your Card card purchases will be deducted from your checking account. We deduct the amount of your transactionIf card is not used in twelve consecutive months, including any charges imposed by the merchant or financial institution, from your checking account. We may debit or place a hold on your account for a transaction either on the day it thirteenth month an applicable fee will occur.* If the card is presented not used in eighteen consecutive months, the card will be closed. For one-time debit transactions, you must consent to us for paymentthe Credit Union’s overdraft privilege program with extended coverage. Without your consent, by electronic or other means, or on the day we receive notice of the transaction — whichever is earlier — even though the transaction Credit Union may not be actually posted to your account until a later dateauthorize and pay an overdraft resulting from these transactions. When you use your Visa Debit Card for a Visa transactionFor other types of transactions, if the merchant requests preauthorization for this transaction, we will place a three (3) business day hold on balance in your account for is not sufficient to pay the transaction amount, the Credit Union may pay the amount of and treat the preauthorization transaction as a request (which may vary in some cases to transfer funds from the amount of the actual purchaseother deposit accounts, depending on the merchant’s request). You agree that all transactions approved overdraft protection account s, or loan accounts that you have established. If you initiate by use a transaction that overdraws your account, you agree to make immediate payment of your VISA Debit Card are legal in any overdrafts together with any service charges to the jurisdiction where you live and/or where the transaction occurred. Internet gambling may be illegal in the jurisdiction in which you are located, including the United States. Your VISA Debit Card may only be used for legal transactions. Display of a payment card logo by an online merchant does not mean Credit Union that internet gambling transactions are lawful in all jurisdictions in which you may be locatedincur.* In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. We have restricted all online gambling transactions with At the VISA Debit Cardpresent time, you may also use your card to: • Make deposits to your savings and checking accounts at credit union or participating network ATMs.* • Withdraw funds from your savings and checking accounts at credit union or participating network ATMs.* • Transfer funds from your savings and checking accounts. Some merchants may permit you to initiate debit • Obtain balance information from your savings and bill payment checking accounts.* • Make POS transactions with your card using either the Visa network or another network shown on your card, such as the PLUS or CO-OP networks. The Credit Union will honor your debit transactions processed by any of these networks. Transactions processed over the Visa network do not require you to use your and PIN to validate the transactionpurchase goods or services at merchants that accept Visa. Generally, you will sign a receipt, provide your card number (e.g. internet, mail, or telephone transactions), or swipe • Make POS Direct Debit Bill Payments using your card at participating network vendors. • Make POS account to account money transactions at participating network ATMs. • Order goods or services by mail or telephone from merchants that accept Visa. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • You may make ten (10) Visa Debit Card purchases (non-PIN transactions**) per day • You may purchase up to a terminalmaximum of $5,000 (non-PIN transactions**) per day. Also• There is no limit to the number of cash withdrawals you may make in any one day from an ATM machine. • You may withdraw up to a maximum of $500 in any one day from an ATM machine, if there are sufficient funds in your account. • There is no limit on the number of POS transactions you may make in any one day. • You may purchase up to a maximum of $2,500 from POS terminals per day, if there are sufficient funds in your account. • For security purposes, there are certain protections other limits on the frequency and rights such as amount of transfers available at ATMs. • You may transfer up to the zero liability protections available balance in your accounts at the section titled “Member Liability,” applicable only time of the transfer. • There may be a delay between the time an ATM deposit (either cash or check) is made and when it will be available for withdrawal. There may also be a delay for any other deposits and/or transactions due to Visa processed transactions. Transactions processed over other networks may not require you to use your PIN in order to validate a transaction. Generally, you enter your card number or swipe your card system servicing and provide or enter a PIN. However, some merchants may not require you to provide a PIN, and allow you to choose whether the transaction is processed by Visa or another network. Provisions applicable only to Visa transactions (such as Visa’s zero liability protections) will not apply to non-Visa debit transactions and the liability rules for other EFTs in the section titled “Member Liability” will applyprocessing.

Visa Debit Card. If approved, you may use your card and PIN in ATMs of the credit union and designated networks. You may use your VISA Debit Card card without a PIN for certain transactions on the designated networks. You may use your card to purchase goods and services any place your Card is honored by from participating merchants. You may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, including Point you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Provisions of Sale this Agreement relating to Visa transactions do not apply to transactions processed through non -Visa Network. To initiate a Visa Debit transaction, you may sign a receipt, provide a card number or swipe your card through a point-of-sale (POS) terminals within terminal and choose to route the Cirrus, Plus, STAR, Visa, American Express transaction over a Visa Network. Refer to the Member Liability section of this Agreement for terms and Co-op Networks (with PIN) and Cirrus, Plus, Visa, and Accel networks (without PIN) or such other POS terminals as the Credit Union may designateconditions. Funds to cover your Card card purchases will be deducted from your checking account. We deduct the amount of your transactionIf card is not used in twelve consecutive months, including any charges imposed by the merchant or financial institution, from your checking account. We may debit or place a hold on your account for a transaction either on the day it thirteenth month an applicable fee will occur.* If the card is presented not used in eighteen consecutive months, the card will be closed. For one-time debit transactions, you must consent to us for paymentthe Credit Union’s overdraft privilege program with extended coverage. Without your consent, by electronic or other means, or on the day we receive notice of the transaction — whichever is earlier — even though the transaction Credit Union may not be actually posted to your account until a later dateauthorize and pay an overdraft resulting from these transactions. When you use your Visa Debit Card for a Visa transactionFor other types of transactions, if the merchant requests preauthorization for this transaction, we will place a three (3) business day hold on balance in your account for is not sufficient to pay the transaction amount, the Credit Union may pay the amount of and treat the preauthorization transaction as a request (which may vary in some cases to transfer funds from the amount of the actual purchaseother deposit accounts, depending on the merchant’s request). You agree that all transactions approved overdraft protection account s, or loan accounts that you have established. If you initiate by use a transaction that overdraws your account, you agree to make immediate payment of your VISA Debit Card are legal in any overdrafts together with any service charges to the jurisdiction where you live and/or where the transaction occurred. Internet gambling may be illegal in the jurisdiction in which you are located, including the United States. Your VISA Debit Card may only be used for legal transactions. Display of a payment card logo by an online merchant does not mean Credit Union that internet gambling transactions are lawful in all jurisdictions in which you may be locatedincur.* In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. We have restricted all online gambling transactions with At the VISA Debit Cardpresent time, you may also use your card to: • Make deposits to your savings and checking accounts at credit union or participating network ATMs.* • Withdraw funds from your savings and checking accounts at credit union or participating network ATMs.* • Transfer funds from your savings and checking accounts. Some merchants may permit you to initiate debit • Obtain balance information from your savings and bill payment checking accounts.* • Make POS transactions with your card using either the Visa network or another network shown on your card, such as the PLUS or CO-OP networks. The Credit Union will honor your debit transactions processed by any of these networks. Transactions processed over the Visa network do not require you to use your and PIN to validate the transactionpurchase goods or services at merchants that accept Visa. Generally, you will sign a receipt, provide your card number (e.g. internet, mail, or telephone transactions), or swipe • Make POS Direct Debit Xxxx Payments using your card at participating network vendors. • Make POS account to account money transactions at participating network ATMs. • Order goods or services by mail or telephone from merchants that accept Visa. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • You may make ten (10) Visa Debit Card purchases (non-PIN transactions**) per day • You may purchase up to a terminalmaximum of $5,000 (non-PIN transactions**) per day. Also• There is no limit to the number of cash withdrawals you may make in any one day from an ATM machine. • You may withdraw up to a maximum of $500 in any one day from an ATM machine, if there are sufficient funds in your account. • There is no limit on the number of POS transactions you may make in any one day. • You may purchase up to a maximum of $2,500 from POS terminals per day, if there are sufficient funds in your account. • For security purposes, there are certain protections other limits on the frequency and rights such as amount of transfers available at ATMs. • You may transfer up to the zero liability protections available balance in your accounts at the section titled “Member Liability,” applicable only time of the transfer. • There may be a delay between the time an ATM deposit (either cash or check) is made and when it will be available for withdrawal. There may also be a delay for any other deposits and/or transactions due to Visa processed transactions. Transactions processed over other networks may not require you to use your PIN in order to validate a transaction. Generally, you enter your card number or swipe your card system servicing and provide or enter a PIN. However, some merchants may not require you to provide a PIN, and allow you to choose whether the transaction is processed by Visa or another network. Provisions applicable only to Visa transactions (such as Visa’s zero liability protections) will not apply to non-Visa debit transactions and the liability rules for other EFTs in the section titled “Member Liability” will applyprocessing.