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Automated Teller Machine (Atm) and Debit Card

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Automated Teller Machine (Atm) and Debit Card Healthcare Employees Federal Credit Union tion of your account for a third party such as a credit bureau or merchant. (4) In Customer Service order to comply with government agency or court orders. (5) If you give us your 29 Emmons Drive, Suite C 40 written permission. (6) As permitted by applicable federal or state law. TERMINATING THIS AGREEMENT. Princeton, NJ 08540 You may terminate this agreement 609-951-0700 or toll-free: 1-800-624-3312 either by closing your designated accounts or by notifying us in writing and no fax: 609-275-4194 longer using your card or PIN at any ATM or, if applicable, at any participating merchant or financial institution. If more than one person is authorized to use AUTOMATED TELLER MACHINE (ATM) AND DEBIT CARD SERVICES ATM services on your designated accounts or debit card services on your desig- AGREEMENT AND DISCLOSURE nated checking account, or if another person has your ATM card (or Debit Card) NOTICE OF ATM/NIGHT DEPOSIT FACILITY USER PRECAUTIONS This agreement and disclosure governs your use of Healthcare Employees and PIN, we cannot stop that person from making transactions on your account(s) Federal Credit Union’s Automated Teller Machine (ATM) and debit card servic- without terminating your ATM services or debit card services. You agree to allow es. The words WE, OUR, and US refer to the credit union. The words YOU and us 24 hours to terminate ATM services or debit card services after you give us As with all financial transactions, please exercise discretion when using an ATM YOUR refer to you, all authorized users of the card or cards which may access notice. You remain responsible for all ATM and debit card transactions during this or night deposit facility. For your own safety, be careful. The following sugges- your ATM and debit card account at the credit union, and all other owners of the time. We can also terminate this agreement or any part of it at any time for any tions may be helpful. accounts on which ATM or debit card services will be made available. ATM and reason and without notice. Also, if you do not use your card and PIN for a year, Prepare for your transactions at home (for instance, by filling out a deposit slip) debit card services are not available to business customers. You will be bound by we may terminate your ATM and/or debit card privileges for that reason. to minimize your time at the ATM or night deposit facility. CHANGE OF TERMS. this agreement, as it may be amended, from the time you apply for an ATM We can change the terms of this agreement anytime. If Mark each transaction in your account record, but not while at the ATM or night and/or debit card or from the first time you or anyone you authorize uses our the change restricts, limits, or reduces your rights under this agreement, we will deposit facility. Always save your ATM receipts. Don’t leave them at the ATM ATM or debit card services, which ever occurs first. ATM and debit card services give you 21 days notice by mail sent to the most recent address you have given or night deposit facility because they may contain important account informa- are related to deposit accounts and are also governed by terms and conditions in Disclosure of Account Terms us. However, if we must make an immediate change for security reasons, we will tion. Compare your records with the account statements you receive. our brochure. make the changes first and then let you know no later than 30 days after we Don’t lend your ATM card or Debit Card to anyone. ATM SERVICES make the change. Remember, do not leave your card at the ATM. Do not leave any documents at YOUR ATM CARD AND PIN. NOTICES. You have selected your PIN at the time of All notices from us will be effective from the time we mail or deliv- the night deposit facility. application. You will not be able to change your PIN. You need both the card and er them to the last address we have for you in our records for your account. Protect the secrecy of your Personal Identification Number (PIN). Protect your COLLECTION EXPENSES. PIN to make ATM transactions. Anyone who has the card and PIN can use an If we file a lawsuit to collect money which is due ATM card or Debit Card as though it were cash. Don’t tell anyone your PIN. ATM to make transactions for which you may be liable, so you should guard the to us because of your ATM or debit card transactions, you agree to pay our rea- Don’t give anyone information regarding your ATM card or Debit Card or PIN secrecy of your PIN. We suggest that you memorize it. You agree not to write it sonable expenses, including attorney’s fees consisting of the greater of 25% of over the telephone. Don’t write your PIN where it can be discovered. For exam- on your card and not to keep it in any place where it may be found with your the amount owed or $350. ple, don’t keep a note of your PIN in your wallet or purse. If you do not remember your PIN, we can obtain it at your request APPLICABLE LAW. card. This agreement is governed by New Jersey Law. If any Prevent others from seeing you enter your PIN by using your body to shield from STAR for a $5.00 fee, and mail it to you within 10 business days. terms of this agreement cannot be legally enforced, the agreement is to be consid- their view. USING ATM SERVICES . Your card and PIN may be used for ATM transac- ered changed to the extent necessary to comply with the law. If you lose your ATM card or Debit Card or it is stolen, promptly notify us. You IN CASE OF ERRORS OR QUESTIONS ABOUT ATM OR DEBIT CARD tions on any of your accounts which you designate for ATM use (“designated should consult the other disclosures you have received about electronic fund TRANSACTIONS. account”). You may use your card at any ATM displaying the logos that appear If you think your statement or ATM acknowledgment or Debit transfers for additional information about what to do if your card is lost or on your card, including ATMs that the credit union does not own and operate Card debit receipt or other debit transaction receipt is wrong, or you need more stolen. (“foreign ATMs”). During the hours that an ATM is accessible, you may use information about a transaction listed on the statement or ATM acknowledgment or When you make a transaction, be aware of your surroundings. Look out for sus- your card and PIN for the following purposes, subject to the ATM’s operational Debit Card receipt, telephone or write to us as soon as you can at the number or picious activity near the ATM or night deposit facility, particularly if it is after limitations, and to the extent allowed by law and this agreement: (1) At any address listed below. In any case, we must hear from you no later than 60 days after sunset. At night, be sure that the facility (including the parking area and walk- cash withdrawal ATM to obtain a from a designated account. (2) At Bank we sent the FIRST statement on which the problem or error appeared. When you ways) is well lighted. Consider having someone accompany you when you use deposit transfer ATMs to make a to any designated account. (3) At any ATM to contact us: (1) Tell us your name, your card number, and the account number of the the facility, especially after sunset. If you observe any problem, go to another funds check the avail- between your designated accounts. (4) At any ATM to designated account. (2) Describe the error or the transfer you are unsure about, and ATM or night deposit facility. able balance in your designated accounts . In addition to the ATM services explain as clearly as you can why you believe it is an error, or why you need more Don’t accept assistance from anyone you don’t know when using an ATM or described herein, you may use your card and PIN at point-of-sale terminals oper- information. (3) Tell us the dollar amount of the suspected error. If you give us this night deposit facility. ated by participating merchants to access the funds in your account(s) to pay for information orally, we may require that you follow up by sending us your complaint If you notice anything suspicious or if any other problem arises after you have goods or services (“debit card services”). Those debit card services are described or question in writing within 10 business days. We will tell you the results of our begun an ATM transaction, you may want to cancel the transaction, pocket your LIMITS ON ATM TRANSACTIONS. below. To complete an ATM withdrawal investigation within 10 business days after we first hear from you. If during that card and leave. You might consider using another ATM or coming back later. or transfer, you must have enough available and collected funds in your account period we find we have made an error, we will correct it promptly. If we need more Don’t display your cash; pocket it as soon as the ATM transaction is completed to cover the transaction. During each business day, your ATM card and PIN are time, we may take up to 45 calendar days to investigate your complaint or ques- and count the cash later when you are in the safety of your own car, home, or subject to a withdrawal limit of $500 in cash or purchases, including transaction tions.
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