Common use of AUDIO BANKING Clause in Contracts

AUDIO BANKING. If we approve Audio Banking for your accounts, an initial Personal Identification Number (PIN) will be assigned to you. You are responsible for changing your Personal Identification Number (PIN) and using it along with your account number to access your accounts. By signing the Credit Union’s Membership Application you agree to the terms and conditions of this Membership Agreement and any User Agreement governing Audio Banking. Your accounts can be accessed using Audio Banking by calling 000-000-0000 via home telephone, mobile device or other approved access device(s). Audio Banking will be available for your convenience 24 hours per day. At the present time, you may use Audio Banking to: ❖ Withdraw funds from your Savings, Checking, Overdraft Loan, Home Equity Loan, and Money Market accounts by requesting a check. ❖ Transfer funds from your Savings, Checking, Money Market, Overdraft Loan and Home Equity Loan accounts. The maximum withdrawal or transfer amount is $5,000.00 per transaction, and no transfer or withdrawal may exceed the available funds in your account. ❖ Obtain balance and transaction information for your deposit, loan and certificate accounts. ❖ Make loan payments from your Savings, Checking, and Money Market accounts. ❖ Determine if a particular item has cleared. ❖ Obtain tax information on amounts earned on deposit and certificate accounts or interest paid on loan accounts. ❖ See “transfer limitations” that may apply to these transactions. The Credit Union reserves the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. All checks are payable to you as a primary member and will be mailed to your address of record. The Credit Union may refuse to honor any transaction for which you do not have sufficient available verified funds. There may be limits on the duration of each access. The Credit Union may set other limits on the amount of any transaction, and you will be notified of those limits. The Credit Union may impose a service fee as set forth in the Credit Union’s Schedule of Fees.

AUDIO BANKING. If we approve Audio Banking for your accounts, an initial Personal Identification Number (PIN) will be assigned to you. You are responsible for changing your Personal Identification Number (PIN) and using it along with your account number to access your accounts. By signing the Credit Union’s Membership Application you agree to the terms and conditions of this Membership Agreement and any User Agreement governing Audio Banking. Your accounts can be accessed using Audio Banking by calling 000-000-0000 via home telephone, mobile device or other approved access device(s). Audio Banking will be available for your convenience 24 hours per day. At the present time, you may use Audio Banking to: ❖  Withdraw funds from your Savings, Checking, Overdraft Loan, Home Equity Loan, and Money Market accounts by requesting a check. ❖  Transfer funds from your Savings, Checking, Money Market, Overdraft Loan and Home Equity Loan accounts. The maximum withdrawal or transfer amount is $5,000.00 per transaction, and no transfer or withdrawal may exceed the available funds in your account. ❖  Obtain balance and transaction information for your deposit, loan and certificate accounts. ❖  Make loan payments from your Savings, Checking, and Money Market accounts. ❖  Determine if a particular item has cleared. ❖  Obtain tax information on amounts earned on deposit and certificate accounts or interest paid on loan accounts. ❖  See “transfer limitations” that may apply to these transactions. The Credit Union reserves the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. All checks are payable to you as a primary member and will be mailed to your address of record. The Credit Union may refuse to honor any transaction for which you do not have sufficient available verified funds. There may be limits on the duration of each access. The Credit Union may set other limits on the amount of any transaction, and you will be notified of those limits. The Credit Union may impose a service fee as set forth in the Credit Union’s Schedule of Fees.

AUDIO BANKING. If we approve Audio Banking for your accounts, an initial Personal Identification Number (PIN) will be assigned to you. You are responsible for changing your Personal Identification Number (PIN) and using it along with your account number to access your accounts. By signing the Credit Union’s Membership Application you agree to the terms and conditions of this Membership Agreement and any User Agreement governing Audio Banking. Your accounts can be accessed using Audio Banking by calling 000-000-0000 via home telephone, mobile device or other approved access device(s). Audio Banking will be available for your convenience 24 hours per day. At the present time, you may use Audio Banking to: ❖ Withdraw funds from your Savingssavings, Checkingchecking, Overdraft Loan, Home Equity Loanhome equity loan, and Money Market accounts by requesting a check. ❖ Transfer funds from your Savingssavings, Checkingchecking, Money Market, Overdraft Loan and Home Equity Loan home equity loan accounts. The maximum withdrawal or transfer amount is $5,000.00 per transaction, and no transfer or withdrawal may exceed the available funds in your account. ❖ Obtain balance and transaction information for your depositsavings, loan checking, Money Market, home equity loan, Club, and certificate accounts. ❖ Make loan payments from your Savingssavings, Checkingchecking, and Money Market accounts. ❖ Access your Home Equity loan. ❖ Determine if a particular item has cleared. ❖ Obtain tax information on amounts earned on deposit savings and certificate checking accounts or interest paid on loan accounts. ❖ See “transfer limitations” that may apply to these transactions. The Credit Union reserves the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. All checks are payable to you as a primary member and will be mailed to your address of record. The Credit Union may refuse to honor any transaction for which you do not have sufficient available verified funds. There may be limits on the duration of each access. The Credit Union may set other limits on the amount of any transaction, and you will be notified of those limits. The Credit Union may impose a service fee as set forth in the Credit Union’s Schedule of Fees.

AUDIO BANKING. If we approve Audio Banking for your accounts, an initial Personal Identification Number (PIN) will be assigned to you. You are responsible for changing your Personal Identification Number (PIN) and using it along with your account number to access your accounts. By signing the Credit Union’s Membership Application you agree to the terms and conditions of this Membership Agreement and any User Agreement governing Audio Banking. Your accounts can be accessed using Audio Banking by calling 000-000-0000 via home telephone, mobile device or other approved access device(s). Audio Banking will be available for your convenience 24 hours per day. At the present time, you may use Audio Banking to: ❖  Withdraw funds from your Savingssavings, Checkingchecking, Overdraft Loan, Home Equity Loanhome equity loan, and Money Market accounts by requesting a check. ❖  Transfer funds from your Savingssavings, Checkingchecking, Money Market, Overdraft Loan and Home Equity Loan home equity loan accounts. The maximum withdrawal or transfer amount is $5,000.00 per transaction, and no transfer or withdrawal may exceed the available funds in your account. ❖  Obtain balance and transaction information for your depositsavings, loan checking, Money Market, home equity loan, Club, and certificate accounts. ❖  Make loan payments from your Savingssavings, Checkingchecking, and Money Market accounts. ❖  Access your Home Equity loan.  Determine if a particular item has cleared. ❖  Obtain tax information on amounts earned on deposit savings and certificate checking accounts or interest paid on loan accounts. ❖  See “transfer limitations” that may apply to these transactions. The Credit Union reserves the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. All checks are payable to you as a primary member and will be mailed to your address of record. The Credit Union may refuse to honor any transaction for which you do not have sufficient available verified funds. There may be limits on the duration of each access. The Credit Union may set other limits on the amount of any transaction, and you will be notified of those limits. The Credit Union may impose a service fee as set forth in the Credit Union’s Schedule of Fees.