Common use of ATM Card Clause in Contracts

ATM Card. If approved, you may use your card and personal identification number (PIN) in automated teller machines (ATMs) of the Credit Union, Instant Cash, and Cirrus® networks, and such other machines or facilities as the Credit Union may designate. For ATM transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for ATM overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. At the present time, you may use your card to: - Make deposits to your savings and checking accounts. - Withdraw funds from your savings and checking accounts. - Transfer funds from your savings and checking accounts. - Obtain balance information for your savings and checking accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at POS terminals that carry Instant Cash, and Cirrus® network logo(s). - Access your Overdraft Protection account. The following limitations on ATM Card transactions may apply: - There is no limit on the number of cash withdrawals you may make in any one (1) day. - You may withdraw up to a maximum of $500.00 in any one (1) day, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions. Because of the servicing schedule and processing time required in ATM operations, there may be a delay between the time a deposit (either cash or check) is made and when it will be available for withdrawal.

ATM Card. If approved, you may use your card and personal identification number (PIN) in automated teller machines (ATMs) of the Credit Unioncredit union, Instant CashNYCE Network, and Cirrus® networksPLUS Network, CO-OP Network and such other machines or facilities as the Credit Union credit union may designate. For ATM transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types this type of transactionstransaction. Services and fees for ATM overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. At the present time, you may use your card to: - • Make deposits to your savings accounts at designated credit union ATM machines or certain designated CO-OP Network and checking accountsNYCE Networks. - • Withdraw funds from your savings and checking accounts. - Transfer funds from your savings and checking accounts. - • Obtain balance information for your savings and checking accounts. - • Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at POS terminals that carry Instant CashNYCE, and Cirrus® network PLUS Network logo(s). - Access • Make point-of-sale (POS) Direct Debit Xxxx Payments using your Overdraft Protection accountcard at participating NYCE vendors. • Make points-of-sale (POS) account to account (A2A) money transactions at participating NYCE ATMs. The following limitations on the frequency and amount of ATM Card transactions may apply: - • There is no limit on the number of cash withdrawals you may make in any one (1) day. - • You may withdraw up to a maximum of $500.00 500 in any one (1) day, if there are sufficient funds in your account. - • There is no limit on the number of POS transactions you may make in any one (1) day. - • You may purchase up to a maximum of $2,500 from POS terminals per day, if there are sufficient funds in your account. This includes Direct Debit Xxxx Payments and account to account (A2A) money transfers. • For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - • See Section 2 for transfer limitations that may apply to these transactions. Because of the servicing schedule and processing time required in ATM operations, there may be a delay between the time a deposit (either cash or check) is made and when it will be available for withdrawal.

ATM Card. If approved, you may use your card Card and personal identification number PIN (PINPersonal Identification Number) in automated teller machines (ATMs) of the Credit Union, Instant Cash, Advantage (local) and Cirrus® networksCIRRUS (national) Networks, and such other machines or facilities as the Credit Union may designate. For ATM transactions, you must consent to the Credit Union’s 's overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types this type of transactionstransaction. Services and fees for ATM overdrafts are shown in the document the Credit Union uses to capture the member’s 's opt-in choice for overdraft protection and the Schedule of Fees and Charges. At the present time, you may use your card Card to: - Make deposits to your savings share and checking share draft accounts. - Withdraw funds from your savings share and checking share draft accounts. - Transfer funds from your savings share and checking share draft accounts. - Obtain balance information for your savings share and checking share draft accounts. - Make point-of-sale (POS) transactions with loan payments from your card share and personal identification number (PIN) to purchase goods or services at POS terminals that carry Instant Cash, and Cirrus® network logo(s)share draft accounts. - Access Change your Overdraft Protection account. PIN The following limitations on the frequency and amount of ATM Card transactions may apply: - There is no limit on the number of cash withdrawals you may make in any one (1) day. - You may withdraw up to a maximum of $500.00 in any one (1) day, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - There are daily ATM withdrawal limits. You will be notified of this limit when you receive your Card. - See Section 2 for transfer limitations that may apply to these transactions. Because of the servicing schedule and processing time required in ATM operations, there may be a delay between the time a deposit (either cash or check) is made and when it will be available for withdrawal.

ATM Card. If approved, you You may use your card Your ATM Card and personal identification number (PIN) in automated teller machines (ATMs) of the Credit Union, Instant CashPlus, and Cirrus® networks, Nyce and such other machines or facilities as the Credit Union may designate. For ATM transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for ATM overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. At the present time, you You may use your card Your ATM Card to: - ‐ Make deposits to your savings and checking accounts. - ‐ Withdraw funds from your savings and checking accounts. - ‐ Transfer funds from your savings or checking accounts. ‐ Obtain balance information on your savings and checking accounts. - Obtain balance information for your ‐ Make loan payments from savings and checking accounts. - ‐ Make point-of-sale point‐of‐sale (POS) transactions with your card Your ATM Card and personal identification number (PIN) to purchase goods or services at POS terminals merchants that carry Instant Cashaccept PLUS, and Cirrus® NYCE network logo(s). - Access your Overdraft Protection accountlogos. The following limitations on the frequency and amount of ATM Card transactions may apply: - ‐ There is no limit on the number of cash withdrawals you may can make in any one (1) day. - ‐ You may withdraw withdrawal up to a maximum of $500.00 in any one (1) day, if there are sufficient funds in your account. - There is no limit ‐ You may withdraw up to a designated maximum (at Your option as low as $50.00 per day), not to exceed the available balance in Your Account, dependent on the number of POS transactions you may make Your credit worthiness, ‐ in any one (1) day. - For security purposes‐ You may purchase up to a maximum of $250.00 from POS terminals in one day, there are other limits not to exceed the available balance in Your Account, dependent on the frequency and amount of transfers available at ATMsYour credit worthiness, in any one day. - ‐ You may transfer up to the available balance in your accounts Your Account at the time of the transfer. - ‐ See Section 2 for transfer limitations that may apply to these transactions. Because of the servicing schedule and processing time required in ATM operations, there may be a delay between the time a deposit (either cash or check) is made and when it will be available for withdrawal.. (See Funds Availability Disclosure section)