Transaction Processing Rules 9 June 2015 Notices
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Fee Schedule Effective April 2, 2021 Service Federal Credit Union Corporate Offices Stateside Offices: P.O
Fee Schedule Effective April 2, 2021 Service Federal Credit Union Corporate Offices Stateside Offices: P.O. Box 1268, Portsmouth, NH 03802 | 800.936.7730 Overseas Offices: Unit 3019, APO AE 09021-3019 | 00800.4728.2000 This Fee Schedule sets forth the conditions, fees and charges applicable to your accounts listed below. This schedule is incorporated as part of your account agreement with Service Federal Credit Union. Checking Accounts Tiers are assigned on the first of each month based on the prior month’s activity and requirements are as follows. Basic: No Requirement. Direct Deposit: Direct Deposit of your Net Pay1 into your checking account each month. Direct Deposit+: DFAS Direct Deposit (Military, military retirees and select government workers who get paid by the Defense Finance and Accounting Service) OR Direct Deposit Tier Requirements and at least 5 payments2 per month. Everyday and Dividend Checking Tier Basic Direct Deposit Direct Deposit+ Savings Transfer Overdraft Protection $5 per transfer $5 per transfer FREE Stop Payment $30 $30 $30 Courtesy Pay Up to $1,000 limit $30 $30 $30 Return Items (NSF) $30 $30 $30 ATM Surcharge and Foreign Transaction Fee None Up to $15 monthly Up to $30 monthly Rebates Out of Network ATM Fee* None None None Cashier's Check $5 $5 No Charge Check Printing Fee Variable Variable 1 free basic box annually Loan Discount** No Discount 0.50% 0.75% Monthly Maintenance Fee Tier Basic Direct Deposit Direct Deposit+ Everyday Checking None None None Dividend Checking $10 $10 $10 (Fee waived with $1,500 min daily balance) Card Fees Miscellaneous Debit Card Replacement - Standard ......................................................................... -
New Debit Card Solutions At
New Debit Card Solutions Debit Mastercard and Visa Debit are ready Swiss Banking Services Forum, 22 May 2019 Philippe Eschenmoser, Head Cards & A2A, Swisskey Ltd Maestro/V PAY Have Established Themselves As the “Key to the Account” – Schemes, However, Are Forcing Market Entry For Successor Products Response from the Maestro and V PAY are successful… …but are not future-capable products schemes # cards Maestro V PAY on Lower earnings potential millions8 for issuers as an alternative payment traffic products (e.g. 6 credit cards, TWINT) Issuer 4 V PAY will be 2 decommissioned by VISA Functional limitations: in 20211 – Visa Debit as 0 • No e-commerce the successor 2000 2018 • No preauthorizations Security and stability have End- • No virtualization proven themselves customer High acceptance in CH and Merchants with an online MasterCard is positioning abroad in Europe offer are demanding an DMC in the medium term online-capable debit as the successor to Standard product with an Merchan product Maestro integrated bank card t 2 1: As of 2021 no new V PAY may be issued TWINT (Still) No Substitute For Debit Cards – Credit Cards With Divergent Market Perception TWINT (still) not alternative for debit Credit cards a no alternative for debit Lacking a bank card Debit function Limited target group (age, ~1.1 M 1 ~10 M. creditworthiness...) Issuer ~48.5 k ~170 k1 No direct account debiting DMC/ Visa Debit Potentially high annual fee End-customer Lower customer penetration Banks and merchants DMC/ P2P demand an online- Higher costs Merchant Visa Debit -
EMF Implementing EMV at The
Implementing EMV®at the ATM: Requirements and Recommendations for the U.S. ATM Community Version 2.0 Date: June 2015 Implementing EMV at the ATM: Requirements and Recommendations for the U.S. ATM Community About the EMV Migration Forum The EMV Migration Forum is a cross-industry body focused on supporting the EMV implementation steps required for global and regional payment networks, issuers, processors, merchants, and consumers to help ensure a successful introduction of more secure EMV chip technology in the United States. The focus of the Forum is to address topics that require some level of industry cooperation and/or coordination to migrate successfully to EMV technology in the United States. For more information on the EMV Migration Forum, please visit http://www.emv- connection.com/emv-migration-forum/. EMV is a trademark owned by EMVCo LLC. Copyright ©2015 EMV Migration Forum and Smart Card Alliance. All rights reserved. The EMV Migration Forum has used best efforts to ensure, but cannot guarantee, that the information described in this document is accurate as of the publication date. The EMV Migration Forum disclaims all warranties as to the accuracy, completeness or adequacy of information in this document. Comments or recommendations for edits or additions to this document should be submitted to: ATM- [email protected]. __________________________________________________________________________________ Page 2 Implementing EMV at the ATM: Requirements and Recommendations for the U.S. ATM Community TABLE OF CONTENTS -
General Terms and Conditions for Bank Cards for Individuals and for Providing Payment Services by Card As an Electronic Payment Instrument
GENERAL TERMS AND CONDITIONS FOR BANK CARDS FOR INDIVIDUALS AND FOR PROVIDING PAYMENT SERVICES BY CARD AS AN ELECTRONIC PAYMENT INSTRUMENT Section I. DEFINITIONS 1. Pursuant to these General Terms and Conditions (GTC), the terms and abbreviations listed below shall have the following meaning: Bank card (Card) - A bank card (debit/credit) for individuals, hereinafter referred to as Card, is an electronic payment instrument through which UniCredit Bulbank AD (the BANK) entitles its customers within a fixed term to make payments up to the actual amount of their available own funds on a current account as well as up to an agreed credit limit (for credit cards only) authorized by the Bank. Main debit/credit card - A card issued to the Authorized Holder (the Account Holder of a current/card account). Additional debit/ credit card - A card issued at the request of the authorized main card holder (account holder) related to the same account of the account holder and subordinated to the main debit/ credit card. Authorized Holder of the Main Card – a local or foreign legally capable individual holding the account servicing the card who assumes obligations for the payment of fees and any debt arising from using the Card/s and with whom the Bank concludes a Debit Card Agreement/ Credit Card Agreement. An authorized holder of an additional card is the person specified by the authorized holder of the main card to whom the Bank issues additional debit/credit cards according to these General Terms and Conditions. The Account is a current account maintained in the name of the Authorized Holder of the Main Card. -
Merchant Conditions 1
Merchant Conditions 1. Definitions and interpretation Bureau de Change Transactions means Card Transactions accepted as part of a Bureau de 1.1 In your Merchant Agreement: Change business. Annual Participation fee means the annual fee Business means your Business as a Merchant as applied for Card Scheme registration programmes. described in your Merchant Agreement or such other description as we may agree from time to time. Applicable Laws means any and all regional, national, local or other laws, statutes, regulations, rules, Business Day means any day which is not a Saturday, codes or ordinances enacted, adopted, issued or Sunday, or a bank holiday in any part of the promulgated in any jurisdiction in the world by any United Kingdom. court or regulator, to the extent applicable to us or Card means any valid Payment Card approved you, our or your business, or our or your performance by First Data from time to time and to which your of obligations under this Agreement. Merchant Agreement applies. Applicant means the Applicant for Merchant Services Card Acquirer means any bank or other body duly from First Data, who submits the Application Form authorised to process Card Transactions from to First Data. a Merchant. Application Form means the form submitted by Cardholder means the company, firm, individual or the Applicant applying for Merchant Services from other body for whose use a Card has been issued at First Data to be provided under the terms of your any time. Merchant Agreement. Cardholder’s Account means the account in the name Assessment fees means the Assessment fees charged of the Cardholder which may be debited or credited by First Data by reference to the rates set by the Card by the Card Acquirer in respect of Card Transactions. -
In 20 Words High Performer, Inspired, Team Player, Achiever, University Education
CURRICULUM VITAE Eric de Putter 106 Pembury Road, Tonbridge, Kent TN9 2JG Mobile +44 7950 449188 [email protected] In 20 words High performer, inspired, team player, achiever, university education. 20 years experience in the banking industry, gained throughout UK/Ireland/Europe. Main skills Seeing the bigger picture & thinking outside the box Able to communicate effectively at all levels within an organisation and without Understand card business from all angles, strategic, business, IT and operational Multi-lingual (English, Dutch, basic German/French) Date of birth 13 November 1968 Marital status Married, four children Work experience: position at Payment Redesign, UK Current position: Managing partner & co-founder, Europe (January ’13 – present) Accountabilities Set-up the company as a boutique consultancy in the payment industry, associate partner selection and commercial strategy. Key achievements Discussing partnerships for POS services Consultancy assignment Work experience: position held at EVRY London, UK Current position: Director Business Development, Europe (June ’10 – December’12) Accountabilities Responsible for entry into Western Europe (shared with a fellow business development director), driving various ATM and POS bids and ensuring that export-selected products have a well-defined strategy. Manage a sales pipeline (started at zero) to € 100M+). Key achievements Doubled EVRY’s ATM footprint from 4 BAU markets to 8, gaining projects in the UK, Republic of Ireland, Netherlands and Belgium Broker a partnership with the card centre-of-excellence of a well-known European bank Develop and contribute to partnerships to complete the ATM value-chain, improving the sales channels and maturity of the European offering Eric de Putter Page 2 Work experience: positions held at VocaLink London, UK Last held position: Account Director/European card director (Sept ’08 – May ‘10) Accountabilities Responsible for European card strategy and immediate sales opportunities. -
BAHRAIN Cial Services in South Asia
March 2015 Issue 517 www.cardsinternational.com REWARD AND REAP Levaraging Big Data while pulling in the punters ● COMMENT: ACQUIRING ● ANALYSIS: LOYALTY ● INTERVIEW: FINTECH ‘NON-BANKS’ ● OPINION: BIOMETRICS CI 517.indd 1 26/03/2015 09:18:10 Delivering innovative mobile & online financial services solutions to organisations that need to provide secure access To find out more about us please visit: www.intelligentenvironments.com We are an international provider of innovative mobile and online solutions for financial service organisations. Our mission is to enable our clients always to stay close to their customers. We do this through Interact®, our single software platform, which enables secure financial applications, engagement, transaction and servicing across all digital channels. Today these are predominantly focused on mobile, PCs & tablets. However Interact® can and will support other form factors, as and when they proliferate (as seen by our work to develop digital banking for the Smartwatch). We provide a ready alternative to internally developed solutions, enabling our clients with a faster route to market, expertise in managing the complexity of multiple devices and operating systems, and a constantly evolving solution. IE-Advert-Dec-2014.indd 1 16/12/2014 12:25:21 Cards International EDITOR’S LETTER CONTENTS EDITOR’S LETTER 2 COMMENT: BETHAN COWPER Bethan Cowper examines the differences between age groups and Prepaid Middle East: their attitudes towards new and established payment services 6 INTERVIEW: FINTECH ‘NON-BANKS’ huge growth but still APS has become the first fintech non-bank to offer banking services through the Post Office’s branch scratching the surface network. -
Account Agreement & Disclosures
Account Agreement & Disclosures servicecu.org Insured by NCUA 1 Table of Contents Account Agreement 2 Service Credit Union Privacy Policy 6 UCC Article 4A 8 Standard Account Opening Disclosures 9 Miscellaneous Terms and Conditions 9 Deployed Warrior Savings 10 Overdraft Protection Options 10 Electronic Funds Transfer 13 Visa® Debit Card PINless 16 Consumer Funds Availability 17 Refer to your Rate Sheet and Fee Schedule for additional disclosures. Visa is a registered trademark of the Visa International Service Association. Account Agreement TERMS AND CONDITIONS This account agreement contains the terms and conditions of the personal accounts offered by Service Federal Credit Union and the rules and regulations governing those accounts. By signing Service Federal Credit Union’s Membership Account Application or Signature Card or by purchasing a share certificate, you accept and agree to be bound by this agreement and the Account Fee Schedule and Rate Sheet and all applicable state and federal laws and regulations. Throughout this agreement, “we”, “us”, “ours”, “credit union”, and “Service CU” refer to Service Federal Credit Union. The words, “you” and “yours” mean the person or persons or entity that maintains the account at Service CU. “Account” means each separate suffix you maintain with us. Please read the terms and conditions that relate to the account(s) which you have opened with us. You should also refer to other Service CU agreements that may apply to your account. MEMBERSHIP ELIGIBILITY To be eligible for membership with us, you must be an individual or entity qualifying within our field of membership. You authorize us to check your account, credit and employment history and obtain a credit report from third parties, including credit reporting agencies, to verify your eligibility for the accounts and services offered by us. -
V PAY Card Disclosure, Terms and Conditions
account information V PAY Card Disclosure, Terms and Conditions Table of Contents I. Types of Payments or Transfers ......................................... 2 II. General Rules .................................................................... 2 III. Fees and Limits on Transfer Amount ............................... 4 IV. Account Holder’s Liability for Unauthorized Charges ...... 4 V. Special Rules for Other Uses ............................................. 5 VI. Other Disclosures and Information ................................. 5 V PAY Disclosure, Terms, and Conditions The following information is being provided to you in accordance with Regulation E and the Electronic Funds Transfer Act, and German law. Service Federal Credit Union (Service CU) intends the V PAY Card for use in Europe only. NOTE: The Service CU V PAY Card (formerly, Girocard) will be activated only in support of point-of-sale (POS) debit transactions, to include contactless transactions. Uses of this card for ATM withdrawals, as a chip-based purse (GeldKarte), or to support third party applications are not authorized. I. TYPES OF PAYMENTS OR TRANSFERS The cardholder may use the Service CU V PAY Card (hereinafter referred to as “Card”), for the following payment services. A. In combination with the Personal Identification Number (PIN), which includes Contactless Payment, in German debit card systems: For use at retailers and service companies at POS terminals operated under the German electronic cash system identified by the V PAY logo. B. In combination with the PIN, which includes Contactless Payment, in foreign debit card systems: For use at retailers and service companies at POS terminals operated under a foreign system, provided that the Card is issued with the corresponding functions. In some countries, a signature may be requested instead of a PIN, depending on the system. -
CARD E SISTEMI Di PAGAMENTO
L’UNICA iniziativa in Italia che dal 1995 propone innovazioni tecniche e di business sulle Carte!! 10 e 11 Marzo 2009 CARD Milano, Atahotel Executive e SISTEMI di PAGAMENTO Dalla PSD ai MOBILE PAYMENT: 14ª i nuovi Operatori, le opportunità e i modelli di business emergenti edizione per i SERVIZI di PAGAMENTO Un Panel RELATORI di alto livello illustrerà progetti innovativi e condividerà autorevoli expertise con i Partecipanti: Percorrendo la strada tracciata da SEPA - Single European Payment Area, dal 1 Novembre 2009 entrerà in vigore la direttiva PSD - Payment Istituzioni e Associazioni: Banca d’Italia Services Directive e diverranno operative le Payment Institutions. EAPS - Euro Alliance of Payment Schemes Un nuovo scenario competitivo vedrà coinvolte Banche, GDO, ChartaForum Italia - FTI Telecomunicazioni e Aziende impegnate nella definizione di sistemi Circuiti, Banche e Operatori finanziari: di pagamento innovativi. PLANET CARD proporrà focus e best practice Visa Europe articolate nelle seguenti sessioni: UBI Banca Banca Carige Banca di Credito Cooperativo di Treviglio 10 Marzo 2009 Gruppo Credito Valtellinese Banca delle Marche Sessione Istituzionale Gratuita Barclays Bank IL NUOVO SCENARIO E LE DINAMICHE DI MERCATO American Express Services Europe Ltd. PER I SERVIZI DI PAGAMENTO A SEGUITO DELLA PSD: PosteMobile IL RUOLO DELLE BANCHE E DEI NUOVI ISTITUTI DI PAGAMENTO BancoPosta Fiditalia Sessione Sessione Gratuita A Ducato MOBILE, CONTACTLESS & e-PAYMENT MARKETING & LOYALTY TRENDS Cartalis IMEL (Gruppo Lottomatica) IN PAYMENT SYSTEMS -
A Guide to the I Financial Analys S" ...So Al Bank Records
! ! ! = A Guide to the I Financial ,,~. ~i~ii' :ii ~'' ~ ~i ii ~: " :i:- 2!!:: ...... i:~i ......... -. ~ ................ " '- " ............ - iii;.: I Analys s".... ::~:~.! ........ :.:.. ii ~ @: '~:~ ! ....... or'" .... - : - . .. :: ... ::~(:: ":=~=:::::::::::::-:..... Pe r so n al ....... :::. 'i '~: ! ' C" =============================.:. Bank Records Second Edition ! January 1998 I .| I I National White Collar Crime Center I Richard L. Johnston, Director I ! A Guide to the I I ! Financial Analysis I of Personal and Corporate I I I Bank Records ! I by Marilyn B. Peterson, C.C.A., C.F.E. I Second Edition ! .~,--*,'~ PROPERTY OF National Oriminal Justice Reference Service (NCJRS) 8ox 6000 I Rockville, MD 20849-6000 I i I I I I ! i ~S,~,~. ~~ ,>, ~ .......... Published by the Nationa! ~hli~ ~llar'~Hm~ Center~::~, 1001 Boulders Parkway~"S~'ite~'5~."i;....... i , ~ ~: ~......... ............ Richmond, VA 23~5~5~2 ~........ " '~...... Additional copies~yailabte, for purchase..![ "':~...... Section edition, January~1998 ~, ~.~. ~<.~ ~=.~:~' I Copyright ©1995 by Marilyn B. Peterson 2nd Edition copyright © 1997 by Marilyn B. Peterson I All rights reserved. This project is supported by grant number 96-WC-CX-0001, awarded by the Bureau of Justice Assistance, Office of Justice Programs, U.S. Department of Justice. The Assistant Attorney General, Office of Justice Programs, coordinates the activities of the following program offices and bureaus: Bureau of Justice Assistance, Bureau of Justice Statistics, National Institute of • Justice, Office of Juvenile Delinquency Prevention, and the Office of Victims of Crime. J I I I I Table of Contents and Figures I Preface I I. INTRODUCTION A. How Investigations Benefit From an Analysis of Financial Records ! B. Previous Guidance on Bank Record Analysis Figure 1 - Bank Operations ! Figure 2 - The Financial Profile C. -
VEGA 3000 User Guide Guide Version 4.0.2 Mobile Payment Terminal • Countertop (VEGA 3000 C) • Countertop & PIN Pad (VEGA 3000 C&P) • Mobile (VEGA 3000 M)
VEGA 3000 User Guide Guide Version 4.0.2 Mobile Payment Terminal • Countertop (VEGA 3000 C) • Countertop & PIN Pad (VEGA 3000 C&P) • Mobile (VEGA 3000 M) C’less ICC MSR Printer Touch Battery screen Content Important notes 3 Pre-authorization 22 Finish-authorization 22 Description of VEGA 3000 C/M terminal 4 Reprint receipt 22 Description of VEGA 3000 C&P 5 Reverse the last transaction 22 ECR integration 5 Refund 23 LAN and power connection (VEGA 3000 C, C&P) 6 Handshake 23 PIN Pad connection 6 Version info 23 Power connection (VEGA 3000 M) 7 User settings 24 Printer 8 Administration 25 Idle screen 10 Close shift 25 General guidelines for using the terminal 11 Print shift totals 25 Functions of the terminal 12 Close Batch 25 Subtotal 25 Sale transaction 13 Transaction Journaling 26 Sale with contactless card 14 Network settings 27 Under CVM limit 14 Software update 27 Over CVM limit 15 Terminal 27 Sale with a chip card 16 Reference 28 Sale with magstripe 17 Pairing with POS 28 Sale with DCC 18 Sale with tip 19 Receipt description 29 MOTO or Manual PAN entry 20 Merchant receipt print error 21 Technical specifications 30 VEGA 3000 C/M/P Full Guide 2 Important notes Transport the appliance only in its original packaging (to Temperature / Working conditions Maintenance of the terminal protect it against knocks and bumps). Always turn off the system before cleaning. Near proximity of mobile phones, network adapters or Read the product manual for detailed information about In the event of an emergency (e.g., damaged housing, other sources of electromagnetic radiation can cause cleaning and maintenance.