Credit Union’s Liability. If we do not complete a transfer to or from your Account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will NOT be liable, for instance: If, through no fault of ours, you do not have enough money in your Account to make the transfer. If the terminal or system where you are making the transfer does not have enough cash. If the ATM or system was not working properly and you knew about the breakdown when you started the transfer. If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken. If the funds in your Account are subject to an administrative hold, legal process, or other claim. If the failure to properly complete the transaction is caused by erroneous information supplied by you or your agent. If you have closed the Account from which you have preauthorized electronic fund transfers to occur. There may be other exceptions stated in our agreements with you.
Credit Union’s Liability. Liability for failure to make transfers. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages.
Credit Union’s Liability. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we may be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:
Credit Union’s Liability. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we may be liable for your losses or damages proximately caused by our failure. However, there are some exceptions. We will NOT be liable, for instance: • If, through no fault of ours, you do not have enough money in your account to make the transfer. • If the terminal or system where you are making the transfer does not have enough cash. • If the ATM or system was not working properly and you knew about the breakdown when you started the transfer. • If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken. • If the funds in your account are subject to an administrative hold, legal process, or other claim. • If the failure to properly complete the transaction is caused by erroneous information supplied by you or your agent. • If you closed the account from which you have pre-authorized electronic fund transfers. • There may be other exceptions stated in our agreement with you.
Credit Union’s Liability. If we do not complete an electronic fund transfer to or from your account on time or in the correct amount according to our agreement(s) with you, we will be liable for your losses or damages. However, there are some exceptions to this rule. For instance, we WILL NOT be liable:
Credit Union’s Liability. If we do not complete a transfer to or from your Account on time or in the correct amount according to our agreement with you, we may be liable for your losses or damages, subject to some exceptions. We will not be liable, for instance, if: (i) through no fault of ours, you do not have enough money in your Account to make the transfer; (ii) the transfer would go over the credit limit on your overdraft line; (iii) the automated teller machine where you are making the transfer does not have enough cash and the ATM or system was not working properly; (iv) if circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken; (v) the funds in your Account are subject to an administrative hold, legal process, or other claim; (vi) the failure to properly complete the transaction is caused by erroneous information supplied by you or your agent; or (vii) you have closed the Account from which you have preauthorized electronic fund transfers to occur. There may be other exceptions stated in our agreements with you.
Credit Union’s Liability. If we do not complete a transfer to or from your Account on time or in the correct amount according to our agreement with you, we may be liable for your losses or damages. However, there are some exceptions. We will NOT be liable, for instance: • If, through no fault of ours, you do not have enough money in your Account to make the transfer. • If the terminal or system where you are making the transfer does not have enough cash. • If the ATM or system was not working properly and you knew about the breakdown when you started the transfer. • If the funds in your Account are subject to an administrative hold, legal process, or other claim. • If the failure to properly complete the transaction is caused by erroneous information supplied by you or your agent. • If you have closed the Account from which you have preauthorized electronic fund transfers. • There may be other exceptions stated in our agreement with you.
Credit Union’s Liability. If we do not complete a transfer to or from your Account on time or in the correct amount according to our agreement with you, we may be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance: • If, through no fault of ours, there is not enough money in your Accounts to make the transfer, if any funds in your accounts necessary to complete the transfer are held as uncollected funds or pursuant to our Funds Availability Policy, if any funds in your Accounts necessary to complete the transaction are held subject to legal process or other claim, or if the transaction involves a loan request exceeding your credit limit. • If you used your card or access code in an incorrect manner, or after your right to use your card or access code has been cancelled • If the ATM where you are making the transfer does not have enough cash. • If the ATM was not working properly and you knew about the problem when you started the transfer • If circumstances beyond our control (such as fire, flood, or power failure) prevent the transaction, despite reasonable precautions we have taken • If the funds in your Account necessary to complete the transaction are subject to legal process or other claim • If funds in your Account are pledged as collateral, are frozen or offset because of a delinquent loan. • If the error was caused by a system of any participating ATM network. • If the electronic transfer is not completed as a result of your negligent use of your card, access code, or any EFT facility for making such transfers • If the telephone or computer equipment you use to conduct audio response or electronic/PC transactions is not working properly and you knew or should have known about the breakdown when you started the transaction. • If a law or regulation prevents us from completing the transaction . • Any other exceptions as established by the credit union.
Credit Union’s Liability. If we do not complete a transfer to or from your Account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will NOT be liable, for instance: • If, through no fault of ours, you do not have enough money in your Account to make the transfer. • If you have an overdraft line and the transfer would go over the limit. • If the automated teller machine where you are making the transfer does not have enough cash. • If the automated teller machine or system was not working properly and you knew about the breakdown when you started the transfer. • If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken. • There may be other exceptions stated in our Agreement with you.
Credit Union’s Liability. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we may be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance: • If, through no fault of ours, you do not have enough money in your account to make the transfer. • If you have an overdraft line of credit and the transfer would go over the credit limit. • If the automated teller machine where you are making the transfer does not have enough cash. • If the terminal or system was not working properly and you knew about the breakdown when you started the transfer. • If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken. • If funds are subject to legal process, such as a garnishment, • There may be other exceptions stated in our agreement with you. MEMBER’S LIABILITY Tell us AT ONCE if you believe your Visa® debit card and/or code has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check or draft. Telephoning is the best way of minimizing losses. All the money in your account, plus your overdraft line of credit, could be withdrawn. If you tell us within 2 business days after you learn of the loss or theft of your card and/or PIN, you can lose no more than $50 if someone uses your card and/or PIN without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your card and/or PIN, and we can prove we could have stopped someone from using your card and/or PIN without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, including those made by card , PIN or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. Additional Limit on Liability for Visa® Debit Card. Unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen Visa® Debit Card. This additional limit on liability does not apply to ATM transactions or to transactions using your Personal Identification Number which are not processed by Visa®. Contac...
