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VISA Check Card Agreement

We hereby apply for and agree to the rules and conditions governing the use of a ("Credit Union") VISA Check Card ("The Card"). This agreement and all transactions in connection with member's account shall be subject to the rules and regulations governing ATM operations, and all other bank machines, check cards, electronic fund transfer, and all other types of transactions, ans as to such transaction, each shall be subject to all applicable laws, federal laws, clearing house rules, operating letters, rules and regulations now or hereafter enacted or promulgated by governing regulatory authority including but not limited to, the Federal Reserve Board and Bank and the National Credit Union Administration.

Member agrees that their share account balance, share draft account balance or available overdraft protection will control all transactions made through the ATM network.

The Credit Union reserves the right to process transactions made through the ATM network at any time of the day, even though this may affect the balances available for processing other transactions including, but not limited to share draft clearings.

Transactions made through the ATM network shall not be deemed completed for any purpose, including computation of interest earned or for determining balances in member's accounts, until verified and posted at the Credit Union, provided, however, member waives all rights to cancel any transaction once made through an ATM. Transaction on a day other than a normal business day, or on a normal business day after the close of that normal business day thereafter. Any deposit payments made through an ATM are accepted conditionally, subject to final collection.

It is possible that the ATM or your VISA Check Card may not function properly at all times. The Credit Union makes no claims or warranties in this respect and shall not be responsible or liable for damages, including consequential damages, if an ATM at any time fails to dispense cash or the ATM or the Card otherwise fails to function properly or for any act or omission in connection with the Card or the ATM.

Any withdrawal which does exceed the available balances must be repaid immediately. In the event it is necessary to refer collection of any amount to an attorney, member will be liable for the Credit Union's reasonable attorney fees. Member shall be responsible for all costs of collection and penalty charges. The Credit Union may, without prior notice, exercise its right of set off as to any amount so owing.

The member will receive a secret Personal Identification Number (PIN) known only to him/her which, when used in connection with the Card, will activate the ATM. The responsibility to safeguard the secrecy of such number rests exclusively with the member. Use of such secret number by any person other than the member will constitute prima facie evidence that the number authorized such use. The Credit Union shall have no liability for such use of the PIN by any person other than the member. Member hereby agrees jointly and severally, if more that one, as follows:

  1. The Card is and remains the property of the Credit Union, is not transferable by member and will be returned to the Credit Union upon its request or when member closes his/her account.

  2. To take all necessary precautions to minimize risk of loss, theft, or unauthorized use of the Card and to keep the Card separate from the secret (PIN) number.

  3. To notify the Credit Union immediately upon any changes in address. If an account statement is returned to the Credit Union because of an incorrect address, the Credit Union may stop sending statements until notified of the correct address.

  4. To notify the Credit Union immediately in the event the Card is lost, stolen, or misused by calling the Credit Union.

The Credit Union may assess each account an administrative fee upon issuance and annually thereafter upon renewal. Replacement or additional cards are $5.00. Balance inquiries are free. The Credit Union reserves the right, from time to time, to establish other and different terms and conditions pertaining to the use of the Card and the ATM network. All such terms and conditions shall be binding and enforceable upon the member effective twenty-one days from the date of mailing a notice of such change to member's last address registered with the Credit Union. Use of the Card after notification of change has been delivered shall constitute acceptance of such change by the card holder. In the case of joint accounts or joint cardholders, notice to one account holder or card holder will be effective for all account holders or cardholders.

This agreement can be terminated by the Credit Union without prior notice to the member. In such a case, the Credit Union shall not be liable for such termination, nor shall such termination affect any obligation the member has with respect to the agreement.

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Terms & Conditions
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Phone: (412) 461-3018 | Fax: (412) 461-0842| Email: