Common use of ACH & Wire Transfers Clause in Contracts

ACH & Wire Transfers. If we provide the service, you may initiate or receive credits or debits to your account through wire or ACH transfer. You agree that if you receive funds by a wire or ACH transfer, we are not required to notify you at the time the funds are received. Instead, the transfer will be shown on your periodic statement. We may provisionally credit your account for an ACH transfer before we receive final settlement. We may reverse the provisional credit or you will refund us that amount if we do not receive final settlement. When you initiate a wire transfer, you must identify the recipient by name, financial institution, account number or identifying number. The Credit Union (and other institutions) may rely on the account or another identifying number as the proper identification even if it identifies a different party or institution. Please refer to the Rate and Fee Schedule for outgoing wire fees. Wires received before 2:00P.M. EST will be processed the day they are received. Wires received after 2:00P.M. EST will be processed the next business day. It is imperative that you maintain accurate and correct information with us at all times. Wire requests will be verified. Wires that fail verification, will not be processed. The credit union shall not be responsible for wires not processed due to lack of verification. What is a Remittance Transfer? When consumers in the United States send money electronically to consumer or business recipients in foreign countries. What to do if You Want to Cancel a Remittance Transfer. You have the right to cancel a remittance transfer and obtain a refund of all funds paid to us, including any fees. In order to cancel, you must contact us 27 at the phone number or e-mail address on the back of this publication within 30 minutes of payment for the transfer. When you contact us, you must provide us with information to help us identify the transfer you wish to cancel, including the amount and location where the funds were sent. We will refund your money within three (3) business days of your request to cancel a transfer as long as the funds have not already been picked up or deposited into a recipient’s account.

ACH & Wire Transfers. If we provide the service, electronic funds transfers that we permit are subject to the Uniform Commercial Code of the state of Colorado. We may execute certain requests for electronic funds transfers by Xxxxxxx. Fedwire transactions are subject to Federal Reserve Board Regulation J. You may order electronic funds transfers to or from your account. We will debit your account for the amount of an electronic funds transfer and will charge your account for any fees related to the transfer. Unless we agree otherwise in writing, we reserve the right to refuse to execute any order to transfer funds to or from your account. We are not obligated to execute any order to transfer funds out of your account if the amount of the requested transfer plus applicable fees exceeds the available funds in your account. We are not liable for errors, delays, interruptions or transmission failures caused by third parties or circumstances beyond our control including mechanical, electronic or equipment failure. We will not provide you may initiate or receive credits or debits with next day notice of ACH, wire transfers and other electronic payments credited to your account through wire or ACH transferaccount. You agree that if you will receive funds by a wire or ACH transfer, we are not required to notify you at the time the funds are received. Instead, the transfer will be shown notice of such credits on your periodic account statement. You may contact us to determine whether a payment has been received. We may provisionally credit your account account, at our option, for an ACH transfer before we receive final settlement. We may reverse the provisional credit or you will refund us that the amount if we do not receive final settlement. If we are required by law to pay you interest, we will pay you interest based on the lowest nominal dividend or interest rate we paid on any accounts during the period for which we owe you interest. Payment orders we accept will be executed within a reasonable time of receipt. A payment order may not necessarily be executed on the date it is received. Cut-off times may apply to the receipt, execution and processing of funds transfers, payment orders, cancellations, and amendments and if received after a cut-off time, may be treated as having been received on the next following funds transfer business day. Information about any cut-off times is available upon request. When you initiate a wire transfer, you must may identify the recipient and any financial institution by name, financial institution, name and by account number or identifying number. The Credit Union (and any other institutions) financial institutions facilitating the transfer may rely strictly on the account or another identifying number as the proper identification even if it the number identifies a different party person or financial institution. Please refer Any account owner may amend or cancel a payment order even if that person did not initiate the order. We may refuse requests to amend or cancel a payment order that we believe will expose the Rate and Fee Schedule for outgoing wire feesCredit Union to liability or loss. Wires received before 2:00P.M. EST Any request to amend or cancel a payment order that we accept will be processed the day they are within a reasonable time after it is received. Wires received after 2:00P.M. EST will be processed the next business dayYou agree to hold us harmless from and indemnify us for all losses and expenses resulting from any actual or attempted amendment or cancellation of a payment order. It is imperative that We may require you maintain accurate and correct information with us at all times. Wire requests will be verified. Wires that fail verification, will not be processed. The credit union shall not be responsible for wires not processed due to lack of verification. What is follow a Remittance Transfer? When consumers in the United States send money electronically security procedure to consumer execute a payment order or business recipients in foreign countries. What to do if You Want to Cancel a Remittance Transfer. You have the right to cancel a remittance certain electronic funds transfer and obtain a refund of all funds paid to us, including any fees. In order to cancel, you must contact us 27 at the phone number or e-mail address on the back of this publication within 30 minutes of payment for the transfer. When you contact us, you must provide us with information to help us identify the transfer you wish to cancel, including the amount and location where the funds were senttransactions. We will refund your money within three (3) business days notify you of your request to cancel a transfer as long as the funds have not already been picked up or deposited into a recipient’s account.any such security procedures and you agree that our security procedures are commercially reasonable.‌

ACH & Wire Transfers. If we provide the serviceoffered, you may initiate or receive credits or debits to your account through via wire transfer or ACH (“Automated Clearing House”) transfer. You agree that if you receive funds by a wire or ACH transfer, we are the Credit Union is not required to notify you at the time the funds are received. Instead, the transfer will be shown on your periodic statement. We The Credit Union may provisionally credit your account for an a wire or ACH transfer before we it receives final settlement for the transfer. You agree that if the Credit Union does not receive final settlement. We settlement for a transfer, or receives an authorized reversal transaction, it may reverse the provisional credit or to your account. In such cases, the originator of the ACH transfer will not be considered to have paid you will refund us that the amount if we do not receive final settlementof the transfer. When you initiate a wire transfer, you must may identify either the recipient or any financial institution by name, financial institution, name and by account number or identifying number. The Credit Union (and other institutions) may rely on the account or another other identifying number you give as the proper identification number, even if it identifies a different party or institution. Please refer The Credit Union reserves the right to confirm or verify information on all wire requests prior to sending the Rate wire. Once the Credit Union has sent an outgoing wire, the transfer is final and Fee Schedule for outgoing wire fees. Wires received before 2:00P.M. EST will be processed the day they are received. Wires received after 2:00P.M. EST will be processed the next business day. It is imperative that you maintain accurate and correct information with us at all times. Wire requests will be verified. Wires that fail verification, will cannot be processedstopped. The credit union shall If you provide incomplete or inaccurate transfer instructions, written or oral, the Credit Union will not be responsible for wires not processed due to lack of verification. What is a Remittance Transfer? When consumers in the United States send money electronically to consumer any resulting wire transfer losses, delays, or business recipients in foreign countries. What to do if You Want to Cancel a Remittance Transferfailed transactions. You have the right understand international wire transfers may not be completed for up to cancel a remittance transfer and obtain a refund of all funds paid to us, including any feesfour weeks or longer. In order to cancel, you must contact us 27 at the phone number or e-mail address on the back of this publication within 30 minutes of payment for the transfer. When you contact us, you must provide us with information to help us identify Wire transfers are governed by Federal Reserve Regulation J if the transfer is cleared through the Federal Reserve. For a wires to be processed the same business day, it must be received by 11am PST for International wires and 1pm PST for Domestic wires. ACH transactions are governed by the rules of the National Automated Clearing House Association. You acknowledge that processing of international transactions may be delayed if necessary to complete OFAC screening. You must ensure that all international entries you wish initiate are designated with the appropriate code as required by the ACH Rules. All entries will be credited to cancelor debited from your Account in U.S. Dollars. Currency conversion will be at rates determined by, including or available to, us or the amount and location where the funds were sentACH. We You will refund your money within three (3) business days of your request to cancel a transfer as long as the funds have not already been picked up bear all currency conversion risk associated with international entries; you will bear all gains or deposited into a recipient’s accountlosses associated with currency conversion for international entries.

ACH & Wire Transfers. If we provide the service, electronic funds transfers that we permit are subject to the Uniform Commercial Code of the state of Colorado. We may execute certain requests for electronic funds transfers by Xxxxxxx. Fedwire transactions are subject to Federal Reserve Board Regulation J. You may order electronic funds transfers to or from your account. We will debit your account for the amount of an electronic funds transfer and will charge your account for any fees related to the transfer. Unless we agree otherwise in writing, we reserve the right to refuse to execute any order to transfer funds to or from your account. We are not obligated to execute any order to transfer funds out of your account if the amount of the requested transfer plus applicable fees exceeds the available funds in your account. We are not liable for errors, delays, interruptions or transmission failures caused by third parties or circumstances beyond our control including mechanical, electronic or equipment failure. We will not provide you may initiate or receive credits or debits with next day notice of ACH, wire transfers and other electronic payments credited to your account through wire or ACH transferaccount. You agree that if you will receive funds by a wire or ACH transfer, we are not required to notify you at the time the funds are received. Instead, the transfer will be shown notice of such credits on your periodic account statement. You may contact us to determine whether a payment has been received. We may provisionally credit your account account, at our option, for an ACH transfer before we receive final settlement. We may reverse the provisional credit credit, or you will refund us that the amount if we do not receive final settlement. If we are required by law to pay you interest, we will pay you interest based on the lowest nominal dividend or interest rate we paid on any accounts during the period for which we owe you interest. Payment orders we accept will be executed within a reasonable time of receipt. A payment order may not necessarily be executed on the date it is received. Cut-off times may apply to the receipt, execution and processing of funds transfers, payment orders, cancellations, and amendments and if received after a cut-off time, may be treated as having been received on the next following funds transfer business day. Information about any cut-off times is available upon request. When you initiate a wire transfer, you must may identify the recipient and any financial institution by name, financial institution, name and by account number or identifying number. The Credit Union (and any other institutions) financial institutions facilitating the transfer may rely strictly on the account or another identifying number as the proper identification even if it the number identifies a different party person or financial institution. Please refer Any account owner may amend or cancel a payment order even if that person did not initiate the order. We may refuse requests to amend or cancel a payment order that we believe will expose the Rate and Fee Schedule for outgoing wire feesCredit Union to liability or loss. Wires received before 2:00P.M. EST Any request to amend or cancel a payment order that we accept will be processed the day they are within a reasonable time after it is received. Wires received after 2:00P.M. EST will be processed the next business dayYou agree to hold us harmless from and indemnify us for all losses and expenses resulting from any actual or attempted amendment or cancellation of a payment order. It is imperative that We may require you maintain accurate and correct information with us at all times. Wire requests will be verified. Wires that fail verification, will not be processed. The credit union shall not be responsible for wires not processed due to lack of verification. What is follow a Remittance Transfer? When consumers in the United States send money electronically security procedure to consumer execute a payment order or business recipients in foreign countries. What to do if You Want to Cancel a Remittance Transfer. You have the right to cancel a remittance certain electronic funds transfer and obtain a refund of all funds paid to us, including any fees. In order to cancel, you must contact us 27 at the phone number or e-mail address on the back of this publication within 30 minutes of payment for the transfer. When you contact us, you must provide us with information to help us identify the transfer you wish to cancel, including the amount and location where the funds were senttransactions. We will refund your money within three (3) business days notify you of your request to cancel a transfer as long as the funds have not already been picked up or deposited into a recipient’s accountany such security procedures and you agree that our security procedures are commercially reasonable.

ACH & Wire Transfers. If we provide the service, electronic funds transfers that we permit are subject to the Uniform Commercial Code of the state of Maryland. We may execute certain requests for electronic funds transfers by Xxxxxxx. Fedwire transactions are subject to Federal Reserve Board Regulation J. ACH Origination: You have the ability to initiate an ACH Origination credit or debit between your Lafayette account and any accounts that you own at other participating financial institutions. Once an ACH origination has been initiated through your online banking profile, the system will place a 48 hour hold of funds in your LFCU account that totals the amount of funds that has been ordered to leave or come into the account via the ACH origination. This hold of funds will expire upon receipt of funds or 48 hours, whichever occurs first. LFCU has the right to extend this hold as it sees fit based on circumstances of the transaction. All ACH originations are subject to similar ACH fees as set forth in the Schedule of Fees. You may initiate order electronic funds transfers to or receive credits from your account. We will debit your account for the amount of an electronic funds transfer and will charge your account for any fees related to the transfer, as set forth in the Schedule of Fees. Unless we agree otherwise in writing, we reserve the right to refuse to execute any order to transfer funds to or debits from your account. We are not obligated to execute any order to transfer funds out of your account if the amount of the requested transfer plus applicable fees exceeds the available funds in your account. We are not liable for errors, delays, interruptions or transmission failures caused by third parties or circumstances beyond our control including mechanical, electronic or equipment failure. We will not provide you with next day notice of ACH, wire transfers and other electronic payments credited to your account through wire or ACH transferaccount. You agree that if you will receive funds by a wire or ACH transfer, we are not required to notify you at the time the funds are received. Instead, the transfer will be shown notice of such credits on your periodic account statement. You may contact us to determine whether a payment has been received. We may provisionally credit your account account, at our option,for an ACH transfer before we receive final settlement. We may reverse the provisional credit or you will refund us that the amount if we do not receive final settlement. If we are required by law to pay you interest, we will pay you interest based on the lowest nominal dividend or interest rate we paid on any accounts during the period for which we owe you interest. Payment orders we accept will be executed within a reasonable time of receipt. A payment order may not necessarily be executed on the date it is received. Cut-off times may apply to the receipt, execution and processing of funds transfers, payment orders, cancellations, and amendments and if received after a cut-off time, may be treated as having been received on the next business day. Information about any cut-off times is available upon request. When you initiate a wire transfer, you must may identify the recipient and any financial institution by name, financial institution, name and by account number or identifying number. The Credit Union (and any other institutions) financial institutions facilitating the transfer may rely strictly on the account or another identifying number as the proper identification even if it the number identifies a different party person or financial institution. Please refer Any account owner may amend or cancel a payment order even if that person did not initiate the order. We may refuse requests to amend or cancel a payment order that we believe will expose the Rate and Fee Schedule for outgoing wire feesCredit Union to liability or loss. Wires received before 2:00P.M. EST Any request to amend or cancel a payment order that we accept will be processed the day they are within a reasonable time after it is received. Wires received after 2:00P.M. EST will be processed the next business dayYou agree to hold us harmless from and indemnify us for all losses and expenses resulting from any actual or attempted amendment or cancellation of a payment order. It is imperative that We may require you maintain accurate and correct information with us at all times. Wire requests will be verified. Wires that fail verification, will not be processed. The credit union shall not be responsible for wires not processed due to lack of verification. What is follow a Remittance Transfer? When consumers in the United States send money electronically security procedure to consumer execute a payment order or business recipients in foreign countries. What to do if You Want to Cancel a Remittance Transfer. You have the right to cancel a remittance certain electronic funds transfer and obtain a refund of all funds paid to us, including any fees. In order to cancel, you must contact us 27 at the phone number or e-mail address on the back of this publication within 30 minutes of payment for the transfer. When you contact us, you must provide us with information to help us identify the transfer you wish to cancel, including the amount and location where the funds were senttransactions. We will refund your money within three (3) business days notify you of your request to cancel a transfer as long as the funds have not already been picked up or deposited into a recipient’s accountany such security procedures and you agree that our security procedures are commercially reasonable.

ACH & Wire Transfers. If we provide provided by the serviceCredit Union, you may initiate or receive credits or debits to your account through via wire transfer or ACH transfer. You agree that if you receive funds by a wire or ACH transfer, we are the Credit Union is not required to notify you at the time the funds are received. Instead, the transfer Credit Union will be shown notify you of the credit or debit to your account by indicating the amount on your periodic statement. We The Credit Union may provisionally credit your account for an ACH transfer before we it receives final settlement for the transfer. You agree that if the Credit Union does not receive final settlement. We settlement for an ACH transfer, we may reverse the provisional credit to your account or you will refund us that the amount if we do to the Credit Union. If the payment instruction does not receive final settlementspecify an account, the Credit Union may deposit the payment into any share account which you maintain with us. No dividends will be paid on wire transfer payments deposited into your account unless the account otherwise pays dividends. When you initiate a wire transfer, you must may identify either the recipient or any financial institution by name, financial institution, name and by account number or identifying number. The Credit Union (and other institutions) may rely on the account or another other identifying number as the proper identification identification, even if it identifies a different party or institution. Please refer You may initiate a wire transfer any time during a Funds Transfer Business Day. A Funds Transfer Business Day is considered to be Monday-Friday (except legal holidays) from 9:00 a.m. to 3:30 p.m. Any amendment or cancellation of the wire transfer must be in writing and received by the Credit Union prior to the Rate and Fee Schedule for outgoing transmittal of the wire fees. Wires received before 2:00P.M. EST will be processed the day they are received. Wires received after 2:00P.M. EST will be processed the next business day. It is imperative that you maintain accurate and correct information with us at all timestransfer. Wire requests will be verifiedtransfers are governed by Federal Reserve Regulation J if the transfer is cleared through the Federal Reserve. Wires ACH transactions are governed by the rules of the National Automated Clearing House Association. You are responsible for assisting the Credit Union’s effort to protect your account from unauthorized access by third parties. You agree that fail we may verify the authenticity of payment orders using our security procedures in place at the time of any such order, which may include signature verification, requesting personal identifying documents or information, and/or calling you by phone. Except as otherwise limited by state or federal law, the Credit Union will not be processed. The credit union shall not be hold you responsible for wires not processed furnishing others with information that aids or enables them to access your account(s). You will also be held responsible for failing to notify the Credit Union in a timely manner no later than 30 days from the date of the statement on which the unauthorized transaction occurred of improper or unauthorized access to your account(s). To the extent permitted by law all costs, fees, and other liabilities that result from the Credit Union’s inability to stop a payment or other transaction that was initiated (with or without your authorization) based upon account information you provided to a third party or due to lack your failure to timely notify the Credit Union of verification. What is a Remittance Transfer? When consumers in the United States send money electronically improper or unauthorized access to consumer or business recipients in foreign countries. What to do if You Want to Cancel a Remittance Transferyour account(s) are your responsibility. You have the right are also responsible for reconciling your statement of account to cancel a remittance transfer and obtain a refund of confirm all funds paid to us, including any feestransactions are accurate. In order to cancelthe event of any discrepancies, you must contact us 27 notify the Credit Union within a timely manner (not to exceed 30 days from the date of the statement). The Credit Union’s liability shall be limited to the amount of the transaction and dividends on that amount based on the lowest dividend rate applicable at the phone number or e-mail address on time of the back of this publication within 30 minutes of payment account affected by the erroneous transaction for the transfer. When you contact ustime period from the date of the error until corrective action is taken, you must provide us with information to help us identify the transfer you wish to cancelor 30 days, including the amount and location where the funds were sent. We will refund your money within three (3) business days of your request to cancel a transfer as long as the funds have not already been picked up or deposited into a recipient’s accountwhichever is less.

ACH & Wire Transfers. If we provide provided by the serviceCredit Union, you may initiate or receive credits or debits to your account through via wire transfer or ACH transfer. You agree that if you receive funds by a wire or ACH transfer, we are the Credit Union is not required to notify you at the time the funds are received. Instead, the transfer Credit Union will be shown notify you of the credit or debit to your account by indicating the amount on your periodic statement. We The Credit Union may provisionally credit your account for an ACH transfer before we it receives final settlement for the transfer. You agree that if the Credit Union does not receive final settlement. We settlement for an ACH transfer, we may reverse the provisional credit to your account or you will refund us that the amount if we do to the Credit Union. If the payment instruction does not receive final settlementspecify an account, the Credit Union may deposit the payment into any share account which you maintain with us. No dividends will be paid on wire transfer payments deposited into your account unless the account otherwise pays dividends. When you initiate a wire transfer, you must may identify either the recipient or any financial institution by name, financial institution, name and by account number or identifying number. The Credit Union (and other institutions) may rely on the account or another other identifying number as the proper identification identification, even if it identifies a different party or institution. Please refer The Credit Union may refuse to accept or transmit a wire transfer request if any information provided is found to be incorrect, or if my account at the Credit Union does not contain sufficient funds to cover the wire transfer amount and applicable fee. If I provide information that causes the wire transfer to be refused, rejected, or returned, I may be charged additional fee(s) by the other financial institution. You may initiate a wire transfer any time during a Funds Transfer Business Day. A Funds Transfer Business Day is considered to be Monday- Friday (except legal holidays) from 9:00 a.m. to 3:30 p.m. Any amendment or cancellation of the wire transfer must be in writing and received by the Credit Union prior to the Rate and Fee Schedule transmittal of the wire transfer. When a wire transfer is cleared through the Federal Reserve, the wire transfer is governed by the Federal Reserve Regulation J. ACH transactions are governed by the rules of the National Automated Clearing House Association. You are responsible for outgoing wire feesassisting the Credit Union’s effort to protect your account from unauthorized access by third parties. Wires received before 2:00P.M. EST will be processed You agree that we may verify the day they are received. Wires received after 2:00P.M. EST will be processed authenticity of payment orders using our security procedures in place at the next business day. It is imperative that you maintain accurate and correct information with us at all times. Wire requests will be verified. Wires that fail time of any such order, which may include signature verification, requesting personal identifying documents or information, and/or calling you by phone. Except as otherwise limited by state or federal law, the Credit Union will not be processed. The credit union shall not be hold you responsible for wires not processed furnishing others with information that aids or enables them to access your account(s). You will also be held responsible for failing to notify the Credit Union in a timely manner no later than 60 days from the date of the statement on which the unauthorized transaction occurred of improper or unauthorized access to your account(s). To the extent permitted by law all costs, fees, and other liabilities that result from the Credit Union’s inability to stop a payment or other transaction that was initiated (with or without your authorization) based upon account information you provided to a third party or due to lack your failure to timely notify the Credit Union of verification. What is a Remittance Transfer? When consumers in the United States send money electronically improper or unauthorized access to consumer or business recipients in foreign countries. What to do if You Want to Cancel a Remittance Transferyour account(s) are your responsibility. You have the right are also responsible for reconciling your statement of account to cancel a remittance transfer and obtain a refund of confirm all funds paid to us, including any feestransactions are accurate. In order to cancelthe event of any discrepancies, you must contact us 27 notify the Credit Union within a timely manner (not to exceed 60 days from the date of the statement). The Credit Union’s liability shall be limited to the amount of the transaction and dividends on that amount based on the lowest dividend rate applicable at the phone number or e-mail address on time of the back of this publication within 30 minutes of payment account affected by the erroneous transaction for the transfer. When you contact ustime period from the date of the error until corrective action is taken, you must provide us with information to help us identify the transfer you wish to cancelor 60 days, including the amount and location where the funds were sent. We will refund your money within three (3) business days of your request to cancel a transfer as long as the funds have not already been picked up or deposited into a recipient’s accountwhichever is less.

ACH & Wire Transfers. If we provide the serviceoffered, you may initiate or receive credits or debits to your account through via wire transfer or ACH ("Automated Clearing House") transfer. You agree that if you receive funds by a wire or ACH transfer, we are the Credit Union is not required to notify you at the time the funds are received. Instead, the transfer will be shown on your periodic statement. We The Credit Union may provisionally credit your account for an ACH transfer before we it receives final settlement for the transfer. You agree that if the Credit Union does not receive final settlement. We settlement for a transfer, it may reverse the provisional credit to your account, or you will refund us the amount to the Credit Union. If an item or ACH transfer is converted to or from a foreign currency, you assume all risks associated with the foreign exchange conversion, and agree that amount any loss resulting from any foreign exchange conversion will be allocated to you. Payment orders we accept will be executed within a reasonable time of receipt but may not necessarily be executed on the date they are received. Cutoff times may apply to the receipt, execution and processing of funds transfer, payment orders, cancellations, and amendments and if received after a cut- off time, may be treated as having been received on the next following funds transfer business day. Information about any cut-off times is available upon request. From time to time, we do not receive final settlementmay need to suspend processing of a transaction for greater scrutiny or verification in accordance with applicable law, and this action may affect settlement or availability of the transaction. When you initiate a wire transfer, you must may identify either the recipient or any financial institution by name, financial institution, name and by account number or identifying number. The Credit Union may require an authorization to be signed in person or a Wire Transfer Agreement to be on file. The Credit Union (and other institutions) may rely on the account or another other identifying number you give as the proper identification number, even if it identifies a different party or institution. Please refer The Credit Union reserves the right to confirm or verify information on all wire requests prior to sending the Rate wire. Once the Credit Union has sent an outgoing wire, the transfer is final and Fee Schedule for outgoing wire fees. Wires received before 2:00P.M. EST will be processed the day they are received. Wires received after 2:00P.M. EST will be processed the next business day. It is imperative that you maintain accurate and correct information with us at all times. Wire requests will be verified. Wires that fail verification, will cannot be processedstopped. The credit union shall If you provide incomplete or inaccurate transfer instructions, written or oral, the Credit Union will not be responsible for any resulting wire transfer losses, delays or failed transactions. If a wire transfer is converted to or from a foreign currency, you assume all risks associated with the foreign exchange conversion, and agree that any loss resulting from any foreign exchange conversion will be allocated to you. International (non-USA destination) wires not processed due to lack of verification. What is a Remittance Transfer? When consumers in transfers, once transmitted outside the United States send money electronically to consumer States, are no longer under the jurisdiction of USA banking laws. Accordingly, the Credit Union cannot assume liability or business recipients in guarantee the timeliness or receipt by the foreign countries. What to do if You Want to Cancel a Remittance Transferinstitution. You have agree that all wires you initiate or receive will not violate the right to cancel a remittance transfer and obtain a refund laws of all funds paid to us, including any feesthe United States. In order to cancel, you must contact us 27 at the phone number or e-mail address on the back of this publication within 30 minutes of payment for the transfer. When you contact us, you must provide us with information to help us identify Wire transfers are governed by Federal Reserve Regulation J if the transfer you wish to cancel, including is cleared through the amount and location where Federal Reserve. ACH transactions are governed by the funds were sent. We will refund your money within three (3) business days rules of your request to cancel a transfer as long as the funds have not already been picked up or deposited into a recipient’s accountNational Automated Clearing House Association.