Additional Benefits/Card Enhancements. The Credit Union may from time to time offer additional services to your account, such as travel accident insurance, at no additional cost to you. You understand that the Credit Union is not obligated to offer such services and may withdraw or change them at any time.
Additional Benefits/Card Enhancements. We may from time to time offer additional services to your Account at no additional cost to you. You understand that we are not obligated to offer such services and may withdraw or change them at any time. Convenience Checks. We may, at our discretion, issue checks to you which may be used for any purpose other than making a payment for credit to your account. By signing such check, you authorize us to pay the item for the amount indicated and post such amount as a cash advance to your account. We do not have to pay any item which would cause the outstanding balance in your account to exceed your credit limit.
Additional Benefits/Card Enhancements. The Credit Union may from time to time offer additional services to your Account. Some may be at no additional cost to you and others may involve a specified fee. You understand that the Credit Union is not obligated to offer such services and may withdraw or change them at any time.
Additional Benefits/Card Enhancements. We may, from time to time, offer additional services to your Account at no additional cost to you. You understand that we are not obligated to offer such services and may withdraw or change them at any time.
Additional Benefits/Card Enhancements. We may from time to time offer additional services to your Account at no additional cost to you. You understand that we are not obligated to offer such services and may withdraw or change them at any time. Reward Card Benefit. The reward card benefit can earn points for eligible transactions. Merchant credits and disputed transactions will result in a subtraction of points. Reward points are not earned for the following ineligible transactions: finance charges, fees, cash advances, balance transfers, ATM transactions, overdraft transfers, convenience checks, and insurance charges posted to the Account. If multiple Card numbers are issued on the same Account, all points earned for each Card will be aggregated to a total points balance for that Account. All borrowers and authorized users will have access and may redeem reward points on the Account. See Reward Points Redemption for more information.
Additional Benefits/Card Enhancements. The Credit Union does otfer Member’s Choice Payment Protection for Credit Cards through CUNA Mutual Group. The benefits otfered include Single Credit Life and/or Single Credit Disability, Joint Credit Life and/or Joint Credit Disability. If you elect this protection, the premium will be added to your credit card account monthly. The premium is based on your outstanding balance. You understand that the Credit Union is not obligated to otfer such services and may withdraw or change them at any time. FOREIGN TRANSACTIONS — Purchases and cash advances made in foreign currencies will be posted to your account in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing international transactions is a rate selected by MasterCard from a range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate MasterCard itself receives or the government-mandated rate in etfect for the applicable central processing date. The exchange rate used on the processing date may ditfer from the rate that would have been used on the purchase date or cardholder statement posting date. A fee of 1% of the amount of the transaction, calculated in U.S. dollars, will be imposed on all foreign transactions, including purchases, cash advances and credits to your account. A foreign transaction is any transaction that you complete or a merchant completes on your card outside of the U.S., Puerto Rico or the U.S. Virgin Islands. MERCHANT DISPUTES — The Credit Union is not responsible for the refusal of any merchant or financial institution to honor your Card. The Credit Union is subject to claims and defenses (other than tort claims) arising out of goods or services you purchase with the Card if you have made a good faith attempt but have been unable to obtain satisfaction from the merchant or service provider, and your purchase cost more than $50.00 and was made in your state or within one hundred (100) miles of your current mailing address.
Additional Benefits/Card Enhancements. We may from time to time offer additional services to your Account at no additional cost to you. You understand that we are not obligated to offer such services and may withdraw or change them at any time. Credit Information. We may from time to time request personal information from you or obtain credit reports from the credit reporting agencies for the purpose of updating your credit status. Your failure to provide such information when requested by us may result in suspension of credit privileges under this Agreement, including your ability to obtain any future advances by any means. You authorize us to investigate your credit standing when opening or reviewing your account. You authorize us to disclose information regarding your account to credit bureau and creditors who inquire about your credit standing.
Additional Benefits/Card Enhancements. We may, from time to time, offer additional services or benefits to Your Account, such as travel insurance, rewards points which may be redeemed for travel, gift certificates or merchandise, cash rebates, or other benefits. Such benefits shall be provided at no additional cost to You. We reserve the right to limit the number of points or the amount of cash rebates or other benefits at any time without notice. Balance transfers and cash advances do not qualify to earn bonus points on Visa Premier Cash and Visa Premier Rewards. You understand and agree that We are under no obligation to offer such services and may withdraw or change them at any time.
Additional Benefits/Card Enhancements. We may, from time to time, offer additional services to your account. Some may be at no additional cost to you, and others may involve a specified fee. You understand that we are not obligated to offer such services and may withdraw or change them at any time. Currency Conversion and Cross-Border Transaction Fees. If you initiate a transaction with your Mastercard® Debit/ATM Card in a currency other than US Dollars, Mastercard will convert the charge into a US Dollar amount. The Mastercard currency conversion procedure is based on rates observed in the wholesale market or, where applicable, on government-mandated rates. The currency conversion rate Mastercard generally uses is the rate for the applicable currency that is in effect on the day the transaction occurred. However, in limited situations, particularly where Mastercard transaction processing is being delayed, Mastercard may instead use the rate for the applicable currency in effect on the day the transaction is processed. Mastercard charges us a Currency Conversion Assessment of 20 basis points (.2% of the transaction) for performing the currency conversion. In addition, Mastercard charges us an Issuer Cross-Border Assessment of 90 basis points (.9% of the transaction) on all cross-border transactions regardless of whether there is a currency conversion. A cross-border transaction is a transaction that occurs at a card acceptance location in a different country from the country in which the card was issued. This means a cross-border transaction can occur even though the transaction is made when you are not in a foreign country. For example, a transaction made online with a foreign merchant is a cross-border transaction even though made while you are physically in the United States. Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. We may decline to authorize any transaction that we determine possesses an undue risk of illegality or unlawfulness. Online Banking Computer Transfers - types of transfers and charges - You may access your account(s) by computer through the internet by logging onto our website at xxx.xxxxxxx.xxx and using your personal identification number and member number, to: • transfer funds from checking to checking • transfer funds from chec...
Additional Benefits/Card Enhancements. The Credit Union may from time to time offer additional services to your account, such as travel accident insurance, at no additional cost to you. You understand that the Credit Union is not obligated to offer such services and may withdraw or change them at any time. Cashback Rewards Program. If your account is eligible for Cashback Rewards, you will earn the following based on the dollar amount of purchases, minus any returns, you have made on your account within the year: $2,000.00 to $5,000.99 0.25% $5,001.00 to $10,000.99 0.50% $10,001.00 to $15,000.99 0.75% $15,001.00 and greater 1.00% The maximum Cashback Rewards amount you may receive is $500.00 per calendar year. The Cashback Rewards Program is offered at the credit union’s discretion. We reserve the right to change these Rules and awards at any time, subject to applicable notice requirements. We may modify, suspend or end the Program, cancel outstanding cash back or change the redemption value of the cash back. We may reverse any cash back awarded to you in error, regardless of cause, and such a reversal may cause you to have a negative cash balance. If your Account is closed with a negative cash back balance, we may charge your Account for the amount of the cash back balance. We assume no liability for any such changes. If your Account is in default, you forfeit your Cashback Rewards. We reserve the right to cancel your participation in the Program, close your Account and cause you to forfeit your cash back balance without notice in the any event.
