Electronic Services Agreement - Personal STCU | P.O. Box 1954, Spokane, WA 99210-1954 | 509.326.1954 | 800.858.3750 | stcu.org This Agreement is the contract which covers your and our rights and responsibilities concerning electronic fund transfer (EFT) services offered to you by Spokane Teachers Credit Union (“Credit Union”). In this Agreement, the words “you” and “yours” mean those who sign the application as applicants or joint owners, or sign a card or use an electronic funds transfer service, or any authorized users. The words “we,” “us,” and “our” mean the Credit Union. The word “account” means any one or more deposit accounts you have with the Credit Union. By signing the Account Card, completing and transmitting an online Account Card or signing an online service request, signing or using an electronic funds transfer service or access devise, each of you, jointly and severally, agree to the terms and conditions in this Agreement, and any amendments. Electronic funds transfers ("EFTs") are electronically initiated transfers of money through direct deposits, automated teller machines ("ATMs"), Point of Sale ("POS") terminals, Debit Card, Telephone Banking, Online Banking, Billpay and Mobile Banking transactions involving your deposit accounts at the Credit Union. I. MEMBERSHIP AND ACCOUNTS 1. Automated Teller Machine Services (ATMs). a. ATM Transactions. You may use your Debit Card and your Personal Identification Number ("PIN") in automated teller machines of the Credit Union and the ATM network, CO-OP, PLUS and such other machines or facilities we may designate. At the present time, you may use your Card to make the following transactions on your accounts: • Withdraw cash from your savings and checking accounts. • At designated ATMs to make deposits, inquiries, or transfers between your savings and checking accounts. • Other transactions as offered and permitted in the future. • Some of these services may not be available at all ATMs. b. ATM Service Limitations. i. Cash Withdrawals. There is no limit on the number of cash withdrawals you may make at Credit Union ATMs and nonproprietary ATMs. However, you may be charged a fee as set forth on the Fees Schedule. You may withdraw up to $1010.00 (if there are sufficient funds in your account) per calendar day at any authorized ATM, subject to our security limits and any limits on each ATM. For purposes of the daily limit, a day is from midnight to midnight. ii. Transfers. You may transfer between your savings and checking accounts up to the balance in your accounts at the time of the transfer at available locations. iii. Deposits. The servicing and processing schedule of ATMs may result in a delay between the time a deposit is made and when it will be available for withdrawal. You should refer to the Credit Union’s Funds Availability Policy. 2. Debit Card Purchases. You may use your Debit Card and PIN to purchase goods and services any place your Card is honored by participating merchants, including Point of Sale (POS) terminals within the ATM network, Interlink, CO-OP, PLUS or such other POS terminals as the Credit Union may designate. Funds to cover your Card purchases will be deducted from your checking account. If the balance in your account is not sufficient to pay the transaction amount, the Credit Union may treat the transaction as an overdraft request pursuant to any applicable overdraft protection plan or may terminate all services under the Agreement. There is a limit on the number of POS purchase transaction you may make by Card of 25 transactions per day. No purchase may exceed the available funds in your account. You may make POS purchases up to a maximum amount of $5,000.00 per calendar day. The Credit Union reserves the right to refuse any transaction which would draw upon insufficient funds or lower an account below a required balance. The Credit Union may set other limits on the amount of any transaction, and you will be notified of those limits. The Credit Union may refuse to honor any transaction for which you do not have sufficient available verified funds. 3. Conditions of Card Use. The use of your Debit Card and Account are subject to the following conditions: a. Ownership of Cards. Any Card or other device which we supply to you is our property and must be returned to us (or to any person whom we authorize to act as our agent, or to any person who is authorized to honor the Card), immediately according to instructions. The Card may be repossessed at any time in our sole discretion without demand or notice. You cannot transfer your Card or Account to another person. You may not use the Card for any illegal or unlawful transaction, and we may decline to authorize any transaction that we believe poses an undue risk of illegality or unlawfulness. b. Honoring the Card. Neither we nor merchants authorized to honor the Card will be responsible for the failure or refusal to honor the Card or any other device we supply to you. If a merchant agrees to give you a refund or adjustment, you agree to accept a credit to your Account in lieu of a cash refund. c. Security Access Code. The personal identification number or access code that you select is for your security purposes. An access device or “Mobile Device” means a smartphone, tablet, or any other hand held or wearable communication device that allows you to electronically store or electronically present your debit card or debit card number (“Digital Card Number”) and use that Digital Card Number to make debit card transactions. You should secure Mobile Devices the same as you would your cash, checks, credit cards, and other valuable information. We encourage you to password protect or lock your Mobile Device to help prevent an unauthorized person from using it. If you authorize anyone to use your access device with your stored debit card number in any manner, that authority will be considered unlimited in amount and manner until you specifically revoke such authority by notifying the Credit Union and changing your access code immediately. Access codes are confidential and should not be disclosed to third parties or recorded on or with the Card or account information. You are responsible for safekeeping your access code. You agree not to disclose or otherwise make your access code available to anyone not authorized to sign on your accounts. If you authorize © 2016 STCU / Farleigh Wada Witt 071921 ESA anyone to have or use your access code, you understand that person may use the Online Banking Service to review all of your account information and make account transactions. Therefore, we are entitled to act on transaction instructions received using your access code and you agree that the use of your access code will have the same effect as your signature authorizing transactions. If you authorize anyone to use your access code in any manner that authority will be considered unlimited in amount and manner until you specifically revoke such authority by notifying the Credit Union and changing your access code immediately. You are responsible for any transactions made by such persons until you notify us that transactions and access by that person are no longer authorized and your access code is changed. If you fail to maintain or change the security of these access codes and the Credit Union suffers a loss, we may terminate your electronic funds transfer and account services immediately. d. Foreign Transactions. Purchase and cash advance transactions made in or with merchants located in foreign countries or foreign currencies will be billed to you in U.S. dollars. The currency conversion rate for international transactions is a rate selected by our card network from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate the card network itself receives or the government-mandated rate in effect for the applicable central processing date. In addition, we may charge you a Foreign Transaction Fee of 2% of the settled transaction amount in U.S. dollars for all purchase transactions made in a foreign currency or transactions with merchants located in a foreign country, regardless of currency conversion. e. Illegal Use of Internet Gambling. You agree that all transactions that you initiate by use of your 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 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 Debit Card. f. Non-Mastercard Checking Transactions Processing. We have enabled non-Mastercard debit transaction processing. This means you may use your Debit Card on a PIN-Debit Network* (a non-Mastercard network) without using a PIN. The non-Mastercard debit network(s) for which such transactions are enabled is the STAR Network. Examples of the types of actions that you may be required to make to initiate a Mastercard transaction on your Debit Card include signing a receipt, providing a card number over the phone or via the Internet, or swiping the card through a point-of-sale terminal. Examples of the types of actions you may be required to make to initiate a transaction on a PIN-Debit Network include initiating a payment directly with the biller (possibly via telephone, Internet, or kiosk locations), responding to a logo displayed at a payment site and choosing to direct payment through that network, and having your identity verified using known information derived from an existing relationship with you instead of through use of a PIN.