I. TRANSACTIONS AVAILABILITY
You may use your card at any Star, Cash Station or Cirrus Automatic teller machine ("Terminal") to:
(A) Withdraw cash from your share account.
(B) Withdraw cash from your checking account.
(C) Transfer funds between your share and checking accounts.
(D) Make deposits to your share and checking accounts.
(E) Pay for purchases at merchants that have agreed to accept the Cash Station Card through use of point of sale terminals.
(F) Obtain balance information about your checking and/or savings account.
II. LIMITATIONS ON DOLLAR AMOUNTS OF TRANSACTIONS
You may withdraw up to two hundred dollars ($200.00) from terminals each day unless you have been specifically advised that a higher limit is applicable to your account.
New accounts may be subject to a lower limit.
(A) Transaction fees. Transactions on terminals owned by us are free. If you use a terminal that is not owned by us, you will be charged $1.25 for every withdrawal or transfer, after the fifth transaction each month.
(B) Additional cards. If you require a second card upon initial issue, there is no charge for the additional card.
(C) Lost PIN/card. If you lose your PIN or card there will be a $10.00 charge to issue a replacement.
(D) Charges deducted from account. You authorize us to deduct any charges directly from your account.
(E) Balance inquiry. A $.25 will be charged for each balance inquiry.
IV. RIGHT TO RECEIVE DOCUMENTATION OF TRANSACTIONS
(A) Terminal transactions. You can get a receipt at the time you make any transaction to or from your account using one of the automatic teller machines.
(B) Periodic statements. You will get a monthly account statement (unless there are no transactions in a particular month). In any case, you will get the statement at least quarterly.
V. DISCLOSURE OF ACCOUNT INFORMATION TO THIRD PARTIES
We will disclose information to third parties about your account or the transfers you make:
(A) Where it is necessary for completing transfers, or
(B) In order to verify the existence and condition of your account for a third party, such as a credit bureau, or
(C) In order to comply with government agency or court orders, or
(D) If you give us your written permission.
VI. YOUR LIABILITY FOR UNAUTHORIZED TRANSACTIONS
Tell us AT ONCE if you believe your card has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account plus your maximum overdraft line of credit. If you believe your card has been lost or stolen, and you tell us within two business days after you learn of the loss or theft, you can lose no more than $50, if someone used your card without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your card, and we can prove we could have stopped someone from using your card without your permission if you had told us, you could lose as much as $500.
Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.
VII. HOW TO NOTIFY US IN THE EVENT OF AN UNAUTHORIZED TRANSACTION
If you believe your card has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call (708) 343-0228 or write:
ATM Department /Access Credit Union/ 10001 W. Roosevelt Road/ Westchester, Illinois 60154
VIII. BUSINESS DAYS
Our business days are Monday through Friday, other than legal holidays.
IX. OUR LIABILITY FOR FAILURE TO MAKE TRANSFERS
If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will NOT be liable, for instance:
(A) If, through no fault of ours, you do not have enough money in your account to make the transfer.
(B) If the transfer would go over the credit limit on your overdraft line.
(C) If the automatic teller machine where you are making the transfer does not have enough cash.
(D) If the terminal was not working properly and you knew about the breakdown when you started the transfer.
(E) If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
X. ERROR RESOLUTION PROCEDURES IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS
Telephone us or write us as soon as you can, if you think your
statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than sixty (60) days after we sent the FIRST statement on which the problem or error appears.
(A) Tell us your name, card number and account number.
(B) Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
(C) Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days.
We will tell you the results of our investigation within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we will re-credit your account within ten (10) business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation.
If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not re-credit your account. If we decide there was no error, we will send you a written explanation within three (3) days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.
XI. USE OF THE CARD, THE PIN AND TERMINAL
The card and the personal identification number (PIN) are provided for your use and protection, and you agree to:
(A) Use the card, the PIN and any terminal as instructed
(B) Promptly notify us of any loss or theft of the card or the PIN,
(C) Not disclose the PIN, nor record it on the card or otherwise make it available to anyone else,
(D) Be liable for the card and PIN and for their authorized use.
XII. SUSPENSION OF PRIVILEGES
We may, at any time, decrease or cancel the services we offer you through the use of the card or we may revoke the card. The card and the PIN are our property, and you agree to return them upon demand.
XIII. STOP PAYMENTS AND NOTICE OF VARYING AMOUNTS
(A) Right to stop payment and procedure for doing so. If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Call or write to us in time for us to receive your request three business days or more before the payment is scheduled to be made. If you call, we require you to put your request in writing and get it to us within 14 days after you call. We will charge you $25.00 for each stop payment order you give.
(B) Liability for failure to stop payment of pre-authorized transfer. If you order us to stop one of these payments three business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.
(C) Notice of varying amounts. We do not have to accept any requests for recurring payments from your account if they vary in amount.
From time to time, we may amend this Agreement. If any amendment results in service charges or liability to you, or decreases access to your accounts, we will give you at least twenty-one (21) days notice by mailing a copy of the amendment to you at your most recent address shown on our records.
(A) The construction and enforcement of this Agreement shall be governed by the laws of the United States and the State of Illinois.
(B) Any provision of this Agreement that may be prohibited by law shall be ineffective only to the extent of such prohibition.
(C) To the extent permitted by law, you will pay reasonable costs, including attorney's fees in the event of suit enforcing this Agreement.
(D) This Agreement is binding upon you, your heirs, personal representatives, and successors, and if more than one person signs this agreement, they shall be jointly and severally liable.
This policy supersedes any previous versions.