• Abstract and Figures
• Public Full-text

AGREEMENT AND DISCLOSURE Visa® Health Savings Debit Card This is your agreement with Ent Credit Union regarding rights and responsibilities associated with your obtaining a Visa Health Savings Debit Card. The disclosure statements that follow are required by federal regulations, including the Electronic Funds Transfer Act. Please read this disclosure carefully to be familiar with your rights and responsibilities. It is important to retain this notice for future reference and to notify us at once if any parts are unclear. Words Often Used In This Agreement. “Agreement” means the Ent Credit Union Visa Health Savings Debit Card Agreement. “We,” “Us” and “Our” mean Ent Credit Union, hereafter referred to as Ent. “You” and “Your” mean each person or persons who signs and/or uses their card. “Card” means the Visa Health Savings Debit Card(s) or a transaction instrument that is certified to be used on a card association’s network issued to you for individual purposes. This Is Your Contract With Us. When a card is issued by us and signed by you, it becomes a binding contract. Use of the card constitutes acceptance of the terms of this agreement. You agree to abide by the terms and conditions of this Agreement and Disclosure including any subsequent amendments subject to all applicable law. You further agree to the acceptance of notices, periodic statements and disclosures by means of electronic delivery. Sign The Card And Keep This Agreement. You must sign the card before be used for purchasing cryptocurrency, online gambling or illegal you use it. By signing and/or using this card, you are agreeing to comply transactions and activities. You understand that the Internal Revenue with the terms of this agreement. You should read this agreement and Service (IRS) limits use of this account to qualified medical expenses and keep a copy for future reference. that any non-qualified expenditures must be reported to the IRS. Promise To Pay. You promise to pay Ent all amounts charged to your Default. You will be in default and we may, to the extent permitted by account regardless of the means and all other charges, including any law, cancel your cards if: related collection costs incurred under this agreement. You understand A) You fail to perform on any obligation under this agreement or any and agree that your account may be accessible through a variety of other agreement that you may have with us; or means including advance requests at the credit union or another financial B) You should die, become involved in any insolvency, receivership, institution, cash advances from an ATM, and purchases from merchants guardianship, conservatorship, or other proceeding which determines using charge slips, point of sale terminals, vouchers, checks, telephone you are not capable of managing your financial affairs; or and Internet authorizations, or other similar instruments. If more than one C) You have made a false or misleading statement in your account person is issued a card, each person who signs and/or uses the card application; or promises to pay all amounts owed to us under this agreement. D) A judgment or tax lien should be filed against you or any attachment or garnishment should be issued against any of your property or This card may not be used for illegal transactions and activities or online rights, specifically including anyone starting an action or proceeding gambling transactions. This card may not be used to make automatic to seize any of your funds on deposit with us; and/or payment transfers to other Ent loans. E) We should, in good faith, believe your ability to repay your indebtedness hereunder is or soon will be impaired, time being of the Credit Union Lien and Right of Set Off. If you are in default on a financial very essence; or obligation to us Colorado law gives us the right to apply the balance of F) Government regulations prohibit any transaction or a government shares, deposits and dividends in your account(s) at the time of default to authority has notified us that continued advances constitute an unsafe satisfy that obligation. Once you are in default, we may exercise this right and unsound practice. without further notice to you. Severability. I agree that illegal use of any financial service will be Periodic Statements. On a regular basis, you will receive a statement deemed an action of default and/or breach of contract and such service from us on your checking account which will reflect all transaction and/or other related services may be terminated at our discretion. I activity made to your account. You may not receive a statement on your further agree, should illegal use occur, to waive the right to sue Ent for account if there has been no activity or if collection procedures have such illegal activity directly or indirectly related to it. I also agree to been initiated against you because you defaulted. Each statement is indemnify and hold Ent harmless from any suits or other legal action or deemed to be a correct statement unless you establish a billing error liability, directly or indirectly, resulting from such illegal use. pursuant to the Electronic Funds Transfer Act. Statements received through electronic means should be printed, reviewed and retained by you. Collection Costs. To the extent permitted by law, you agree to pay all reasonable costs of collection paid or incurred by us, including Transaction Authorizations. Purchases, Transfers and Cash Advances reasonable attorney’s fees not to exceed 15% of the unpaid debt after require our prior authorization. We may limit the number of authorizations default and referral to an attorney not a salaried employee of the lender, for any certain period. We participate in the Verified by Visa program for or such additional fee as may be directed by the court, incurred in the Internet transactions. If our authorization system is not fully operational we course of collecting any amounts owed under this agreement. Member may not be able to give approval for a transaction. For added protection, or card owner agrees to repayment by automatic debits to their savings we’ve incorporated a neural network system to combat fraud. In utilizing or checking accounts associated with the Visa Health Savings Debit Card this program, it is possible that transactions may be declined. You authorize or transaction instrument in the event of default. us to contact you without restriction by telephone, email, text message or in writing to administer your account regarding processing transactions and Delay In Enforcement. We do not lose our rights under this or any related the prevention of fraudulent transactions. You have the right to opt-out of agreement if we delay in enforcing them. We can accept late payments, specific contact methods by contacting the credit union at the address, partial payments or any other payments even if they are marked “PAID IN telephone number or email address listed herein. These restrictions are for FULL” without losing any of our rights under this agreement. If any security reasons and we cannot fully explain the details of how our provision of this or any related agreement is determined to be authorization system works. You agree that the credit union shall not be unenforceable or invalid, all other provisions remain in full force and liable for withholding any authorization. If your account reflects an effect. authorization hold, your funds available may be reduced. This card may not (719) 574-1100 800-525-9623 Ent.com 905993 Page 1 AGREEMENT AND DISCLOSURE Visa® Health Savings Debit Card Notification Of Address Change. You will notify Ent promptly if you move converted amount. Visa has updated their exchange rate disclosure on or otherwise have a change of address. foreign currency transactions to read as follows: “A rate selected by Visa from the range of rates available in wholesale currency markets for the Change In Terms. We may change the terms of the agreement by applicable central processing date, which rate may vary from the rate mailing a written notice to you at your last address shown on our records Visa itself receives or the government-mandated rate in effect for the or via electronic means. Any changes in terms will apply to any applicable central processing date, in each instance, plus or minus any transactions that occur on or after the last revision date. The terms of this adjustment determined by the Issuer.” This means that the amount agreement may be changed, whether or not authorized by agreement, in posted to your account is based on the exchange rate the day Visa accordance with applicable law. processes that transaction and any Visa adjustment fee which is currently at 1% of the converted dollar amount. Address For Notices To Us. Please direct inquiries or questions to: Ent Credit Union, Fraud Management Department, P.O. Box 15819, Foreign ATM Transactions. When using an ATM terminal that is not Colorado Springs, CO 80935-5819, Telephone: (719) 574-1100 or owned or operated by Ent you may be charged a “foreign” ATM fee or 800-525-9623. out-of-network fee. Ent has no control over these charges and they are charged to you at the time of the withdrawal. You will be given the option You May Cancel The Account. You may cancel the account whenever to stop the transaction by not accepting these charges assessed to you you choose. Destroy each card, telephone us or notify us in writing at the by the owner/operator of the ATM terminal. address shown in “ADDRESS FOR NOTICES TO US” that you wish to cancel the account. Such cancellation will become effective five (5) days Card Agreement.

Load more

  3

Copy Link