Access Device Revocation. Any card or other device which we supply you (“Access Device”) may be revoked without notice to you in the event that any of the following conditions occur: • Overdrafts occur as result of insufficient available funds on an account. • Any transaction that occurs on your account(s) which results in a monetary loss to the Credit Union. • Account delinquency with the Credit Union, including but not limited to, loans or credit cards. • Forced closure of a share or share draft account at the Credit Union. • Any other situation in which the Credit Union deems revocation to be in its best interest.
Access Device Revocation. Any Access Device issued by the Credit Union may be revoked without notice to you in the event that any of the following conditions occur:
Access Device Revocation. Any card or other device which we supply you (“Access Device”) may be revoked without notice to you in the event that any of the following conditions occur: • Overdrafts occur as result of insufficient available funds on an account. • Any transaction that occurs on your account(s) which results in a monetary loss to the Credit Union. • Account delinquency with the Credit Union, including but not limited to, loans or credit cards. • Forced closure of a share or share draft account at the Credit Union. • Any other situation in which the Credit Union deems revocation to be in its best interest. Regulatory Authority Notification of Regulatory Authorities: This EFT Agreement and the EFT services provided in this EFT Agreement are governed by Federal law and Michigan law. You may notify the Federal and/or state agencies noted below of any violation of law. The address of the agencies are as follows: National Credit Union Administration 0000 Xxxx Xxxxxx Xxxxxxxxxx, XX 00000-0000 703.518.6300 Department of Insurance and Financial Services X.X. Xxx 00000 Xxxxxxx, Xxxxxxxx Your Liability for Unauthorized Transfers Tell us AT ONCE if you believe your card and/or code has been lost or stolen. Calling is the best way of keeping your possible losses down. You could lose all the money in your account and in any backup account. If you believe your card and/or code has been lost or stolen and you tell us within 2 business days after you learn of the loss or theft, you will have no liability if someone used your card and/or code without yourpermission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your card and/or code, under Regulation E, you could lose up to $500.00. Also, you may have unlimited liability if the unauthorized transaction is not reported within 60 days of when the unauthorized transaction was reported on a periodic statement. If a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the time periods.
Access Device Revocation. Any Card, Code, or other device which we supply you (access device) may be revoked without notice to you in the event that any of the following conditions occur: • Overdrafts occur as a result of insufficient or uncollected funds in the account; • Any transaction that occurs on your accounts which results in a monetary loss of the Credit Union; • Account delinquency with the Credit Union, including but not limited to, loans or credit cards; • Forced closure of an account with the Credit Union; or
Access Device Revocation. Any card or other device which we supply you (“Access Device”) may be revoked without notice to you in the event that any of the following conditions occur: • Overdrafts occur as result of insufficient available funds on an account. • Any transaction that occurs on your account(s) which results in a monetary loss to the Credit Union. • Account delinquency with the Credit Union, including but not limited to, loans or credit cards. • Forced closure of a share or share draft account at the Credit Union. • Any other situation in which the Credit Union deems revocation to be in its best interest. Privacy We will not disclose information to third parties about your account or the transactions you make except: a Where it is necessary for us to complete a transfer. b To verify the existence or status of your account for ordinary business purposes, such as a request from a credit reporting agency or merchant, etc. c In order to comply with legal process, such as government agency or court orders, etc. d If you give us your written permission. Change in Terms We reserve the right to change or amend the terms of our Membership and Account Opening Agreement as listed by posting on Team One Credit Union’s website or by delivering such changes or amendments to you at the physical or email address shown on the credit union's records. Prior notice may not be given where an immediate change is necessary to restore the security of your account. Regulatory Authority Notification of Regulatory Authorities: This EFT Agreement and the EFT services provided in this EFT Agreement are governed by Federal law and Michigan law. You may notify the State agency noted below of any violation of law. The address of this agency is as follows: Credit Union Division Department of Insurance and Financial Services
Access Device Revocation. Any Access Device issued by the Credit Union may be revoked without notice to you in the event that any of the following conditions occur: • Overdrafts occur as result of insufficient or uncollected funds on an account. • Any transaction that occurs on your account(s) which results in a monetary loss to the Credit Union. • Account delinquency with the Credit Union, including but not limited to, loans or credit cards. • Forced closure of a share or share draft account at the Credit Union due to misuse. • Any other situation in which the Credit Union deems revocation to be in its best interest.
Access Device Revocation. Any Card/Access Device issued by the Credit Union may be revoked without notice to you in the event the following conditions occur: • Overdrafts because of insufficient or uncollected funds on an account • Any transaction that occurs on your account(s) which results in a monetary loss to the Credit Union • Loan, VISA credit card or other delinquency with the Credit Union • Forced closure of a share or share draft account at the Credit Union due to misuse • Special balance requirements, if any, are not maintained by you • Any other situation in which the Credit Union deems revocation to be in its best interest Order of Payment: Our policy is to post and pay Card transactions in the order they are received. We reserve the right to pay Card transactions before checks and other items. Fees: You may initiate transactions at any terminal, ATM, or other access means owned by the Credit Union or any Network(s) we subscribe to. You may be charged certain transaction and other fees as set forth in the Fee Schedule, which will be automatically debited from your checking account. The Credit Union reserves the right to establish and maintain transaction fees and charges which may be modified from time to time. Note: Owners of non-Credit Union ATMs may charge fees in addition to any fees disclosed in the Schedule. These fees are generally called a “surcharge.” This is not a fee charged by your Credit Union; however, any such fee will be paid from your deposit account. Additional fees may be applicable such as stop payment fees, fees to replace cards, instant issue fees, rush deliver fees, PIN change fees, etc. Each applicable fee is disclosed in the Schedule. Transaction Limitations: With your Card you may conduct daily PIN purchase transactions up to $2,500 with a maximum cash limit at ATMs of $1,000; the signature purchase transaction limit is $5,000. [With Access Checking Cards you may conduct daily PIN purchase transactions up to $500 with a maximum cash limit at ATMs of $500; the signature purchase transaction limit is $1,500.] Other limitations may apply if the network or conducted transaction is not “on-line.” Limitations, such as frequency of card use and number of times used, may also apply to protect you and the Credit Union.
Access Device Revocation. Any card or other device (“access 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. Your access device may be repossessed at any time at our sole discretion without demand or notice. You cannot transfer your access device to another person. Any access device which we supply you may be revoked without notice to you in the event that any of the following conditions occur: • Overdrafts occur as result of insufficient available funds on an account. • Any transaction that occurs on your account(s) which results in a monetary loss to the Credit Union. • Account delinquency with the Credit Union, including but not limited to, loans or credit cards. • Forced closure of an account at the Credit Union. • Any other situation in which the Credit Union deems revocation to be in its best interest.
