{"component": "clause", "props": {"groups": [{"samples": [{"hash": "2UxDY0tes3k", "uri": "/contracts/2UxDY0tes3k#debit-card", "label": "On Line Banking Account Access Agreement", "score": 24.151725769, "published": true}], "size": 7, "snippet": "If approved, you may use your card to purchase goods and services from participating merchants. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking account. For one-time debit card transactions, you must consent to the Credit Union\u2019s 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 overdrafts are shown in the document the Credit Union uses to capture the member\u2019s opt-in choice for overdraft protection and the Schedule of Fees and Charges.", "snippet_links": [{"key": "if-approved", "type": "clause", "offset": [0, 11]}, {"key": "your-card", "type": "clause", "offset": [25, 34]}, {"key": "goods-and-services", "type": "clause", "offset": [47, 65]}, {"key": "participating-merchants", "type": "definition", "offset": [71, 94]}, {"key": "goods-or-services", "type": "definition", "offset": [119, 136]}, {"key": "the-internet", "type": "clause", "offset": [142, 154]}, {"key": "to-provide", "type": "clause", "offset": [176, 186]}, {"key": "card-number", "type": "clause", "offset": [187, 198]}, {"key": "security-information", "type": "definition", "offset": [199, 219]}, {"key": "the-transaction", "type": "clause", "offset": [261, 276]}, {"key": "you-agree", "type": "clause", "offset": [278, 287]}, {"key": "local-law", "type": "definition", "offset": [392, 401]}, {"key": "card-purchases", "type": "clause", "offset": [423, 437]}, {"key": "your-checking-account", "type": "clause", "offset": [460, 481]}, {"key": "debit-card-transactions", "type": "clause", "offset": [496, 519]}, {"key": "consent-to", "type": "clause", "offset": [530, 540]}, {"key": "the-credit-union", "type": "definition", "offset": [541, 557]}, {"key": "overdraft-protection-plan", "type": "definition", "offset": [560, 585]}, {"key": "transaction-amount", "type": "definition", "offset": [603, 621]}, {"key": "the-plan", "type": "clause", "offset": [642, 650]}, {"key": "your-consent", "type": "clause", "offset": [660, 672]}, {"key": "resulting-from", "type": "definition", "offset": [730, 744]}, {"key": "types-of-transactions", "type": "definition", "offset": [751, 772]}, {"key": "services-and-fees", "type": "clause", "offset": [774, 791]}, {"key": "the-member", "type": "clause", "offset": [866, 876]}, {"key": "schedule-of-fees-and-charges", "type": "clause", "offset": [926, 954]}], "hash": "9d3c38b4ea11a4d42435119756bbac8d", "id": 6}, {"samples": [{"hash": "4OikE9mEkA1", "uri": "/contracts/4OikE9mEkA1#debit-card", "label": "Electronic Fund Transfers Agreement", "score": 26.9684772491, "published": true}, {"hash": "jY8JK2fztPp", "uri": "/contracts/jY8JK2fztPp#debit-card", "label": "Electronic Fund Transfers Agreement", "score": 23.0814151764, "published": true}, {"hash": "8nyMCcsDws8", "uri": "/contracts/8nyMCcsDws8#debit-card", "label": "Electronic Fund Transfers Agreement", "score": 23.0814151764, "published": true}], "size": 47, "snippet": "If approved, you may use your Visa\u00ae card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your share draft account. For ATM and one-time debit card transactions, you must consent to the Credit Union\u2019s 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 overdrafts are shown in the document the Credit Union uses to capture the member\u2019s opt-in choice for overdraft protection and the Schedule of Fees and Charges.", "snippet_links": [{"key": "if-approved", "type": "clause", "offset": [0, 11]}, {"key": "goods-and-services", "type": "clause", "offset": [53, 71]}, {"key": "participating-merchants", "type": "definition", "offset": [77, 100]}, {"key": "your-card", "type": "clause", "offset": [127, 136]}, {"key": "type-of", "type": "definition", "offset": [153, 160]}, {"key": "gambling-transaction", "type": "definition", "offset": [161, 181]}, {"key": "goods-or-services", "type": "definition", "offset": [206, 223]}, {"key": "the-internet", "type": "clause", "offset": [229, 241]}, {"key": "to-provide", "type": "clause", "offset": [263, 273]}, {"key": "card-number", "type": "clause", "offset": [274, 285]}, {"key": "security-information", "type": "definition", "offset": [286, 306]}, {"key": "the-transaction", "type": "clause", "offset": [348, 363]}, {"key": "you-agree", "type": "clause", "offset": [365, 374]}, {"key": "local-law", "type": "definition", "offset": [479, 488]}, {"key": "card-purchases", "type": "clause", "offset": [510, 524]}, {"key": "share-draft-account", "type": "definition", "offset": [552, 571]}, {"key": "debit-card-transactions", "type": "clause", "offset": [594, 617]}, {"key": "consent-to", "type": "clause", "offset": [628, 638]}, {"key": "the-credit-union", "type": "definition", "offset": [639, 655]}, {"key": "overdraft-protection-plan", "type": "definition", "offset": [658, 683]}, {"key": "transaction-amount", "type": "definition", "offset": [701, 719]}, {"key": "the-plan", "type": "clause", "offset": [740, 748]}, {"key": "your-consent", "type": "clause", "offset": [758, 770]}, {"key": "resulting-from", "type": "definition", "offset": [828, 842]}, {"key": "types-of-transactions", "type": "definition", "offset": [849, 870]}, {"key": "services-and-fees", "type": "clause", "offset": [872, 889]}, {"key": "the-member", "type": "clause", "offset": [964, 974]}, {"key": "schedule-of-fees-and-charges", "type": "clause", "offset": [1024, 1052]}], "hash": "449b7e860905d595cbd37aac6e17ffb3", "id": 1}, {"samples": [{"hash": "92fO3jTGyXJ", "uri": "/contracts/92fO3jTGyXJ#debit-card", "label": "Consumer Cardholder Agreement", "score": 34.5509934344, "published": true}, {"hash": "lj2sPlibghH", "uri": "/contracts/lj2sPlibghH#debit-card", "label": "Consumer Cardholder Agreement", "score": 32.0216560364, "published": true}, {"hash": "lMPhbyJ3aVb", "uri": "/contracts/lMPhbyJ3aVb#debit-card", "label": "Consumer Cardholder Agreement", "score": 31.8409919739, "published": true}], "size": 14, "snippet": "The Card is a debit card that allows you to have access to your specific account type (the \u201cAccount\u201d) with us and perform electronic funds transfers. All the terms of the Account Agreement apply to the Card.", "snippet_links": [{"key": "the-card", "type": "definition", "offset": [0, 8]}, {"key": "access-to", "type": "definition", "offset": [49, 58]}, {"key": "account-type", "type": "clause", "offset": [73, 85]}, {"key": "electronic-funds-transfers", "type": "clause", "offset": [122, 148]}, {"key": "account-agreement", "type": "definition", "offset": [171, 188]}], "hash": "295219852e3bcb7f6d92391a5924d1f3", "id": 2}, {"samples": [{"hash": "603cIyHi4Pp", "uri": "/contracts/603cIyHi4Pp#debit-card", "label": "Electronic Funds Transfer Agreement", "score": 25.138261795, "published": true}, {"hash": "2oOX3ZQa32U", "uri": "/contracts/2oOX3ZQa32U#debit-card", "label": "Electronic Funds Transfer Agreement", "score": 24.5756340027, "published": true}, {"hash": "db4A3jH0h3L", "uri": "/contracts/db4A3jH0h3L#debit-card", "label": "Electronic Funds Transfer Agreement", "score": 24.4004116058, "published": true}], "size": 14, "snippet": "You may use your Card to purchase goods and services from participating merchants. If you wish to pay for goods or services over the Internet, you may be required to provide the card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state or local law. Funds to cover your Card purchase will be deducted from your checking account. If the funds in your account are not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union, if applicable by law. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your Card and PIN in the Automatic Teller Machines (ATMs) of the Credit Union, CO-OP, STAR Networks, and such other machines or facilities as the Credit Union may designate.\n1) You may use your Card and PIN to: \u2022 Make deposits to your share, savings, and checking accounts. \u2022 Withdraw funds from your share, savings, and checking accounts. \u2022 Transfer funds between your share, savings, and checking account. \u2022 Obtain balance information for your share, savings, and checking accounts. \u2022 Receive cash advances on your checking\u2019s overdraft line of credit (OLOC). \u2022 Make POS (Point-of-Sale) transactions with your PIN to purchase goods or services at merchants that accept transactions routed through various PIN networks. \u2022 Make signature-based transactions routed through Visa\u00ae \u2022 Order goods or services by mail, internet or telephone from places that accept Visa\u00ae\n2) The following limitations on the frequency and amount of Debit Card transactions may apply: \u2022 There is no limit on the number of Debit Card purchases you may make per day. \u2022 There is a limit of $2,000 for ATM or POS transactions each day, and a $15,000 limit on signature transactions each day. \u2022 Purchase amounts are limited to the amount in your account. \u2022 There is no limit to the number of cash withdrawals you may make in any one day from an ATM machine. \u2022 There is no limit on the number of Point of Sale (POS) transactions you may make in one day. \u2022 You may withdraw up to $510.00 per day from an ATM.", "snippet_links": [{"key": "your-card", "type": "clause", "offset": [12, 21]}, {"key": "goods-and-services", "type": "clause", "offset": [34, 52]}, {"key": "participating-merchants", "type": "definition", "offset": [58, 81]}, {"key": "goods-or-services", "type": "definition", "offset": [106, 123]}, {"key": "the-internet", "type": "clause", "offset": [129, 141]}, {"key": "the-card-number", "type": "definition", "offset": [174, 189]}, {"key": "security-information", "type": "definition", "offset": [190, 210]}, {"key": "the-transaction", "type": "clause", "offset": [252, 267]}, {"key": "local-law", "type": "definition", "offset": [382, 391]}, {"key": "your-checking-account", "type": "clause", "offset": [449, 470]}, {"key": "funds-in", "type": "definition", "offset": [479, 487]}, {"key": "your-account", "type": "definition", "offset": [488, 500]}, {"key": "transaction-amount", "type": "definition", "offset": [531, 549]}, {"key": "the-credit-union", "type": "definition", "offset": [551, 567]}, {"key": "transfer-funds", "type": "definition", "offset": [629, 643]}, {"key": "other-deposit-accounts", "type": "clause", "offset": [649, 671]}, {"key": "overdraft-protection", "type": "definition", "offset": [682, 702]}, {"key": "loan-accounts", "type": "definition", "offset": [715, 728]}, {"key": "you-agree-to", "type": "clause", "offset": [837, 849]}, {"key": "payment-of", "type": "clause", "offset": [865, 875]}, {"key": "service-charges", "type": "definition", "offset": [909, 924]}, {"key": "if-applicable", "type": "clause", "offset": [946, 959]}, {"key": "in-the-event-of", "type": "clause", "offset": [968, 983]}, {"key": "services-under-this-agreement", "type": "clause", "offset": [1040, 1069]}, {"key": "card-and-pin", "type": "clause", "offset": [1088, 1100]}, {"key": "automatic-teller-machines", "type": "clause", "offset": [1108, 1133]}, {"key": "other-machines", "type": "clause", "offset": [1193, 1207]}, {"key": "checking-accounts", "type": "definition", "offset": [1338, 1355]}, {"key": "balance-information", "type": "clause", "offset": [1500, 1519]}, {"key": "cash-advances", "type": "definition", "offset": [1578, 1591]}, {"key": "overdraft-line-of-credit", "type": "clause", "offset": [1611, 1635]}, {"key": "transactions-with", "type": "clause", "offset": [1671, 1688]}, {"key": "by-mail", "type": "definition", "offset": [1886, 1893]}, {"key": "limitations-on", "type": "definition", "offset": [1964, 1978]}, {"key": "frequency-and-amount", "type": "clause", "offset": [1983, 2003]}, {"key": "debit-card-transactions", "type": "clause", "offset": [2007, 2030]}, {"key": "no-limit", "type": "clause", "offset": [2053, 2061]}, {"key": "number-of", "type": "clause", "offset": [2069, 2078]}, {"key": "card-purchases", "type": "clause", "offset": [2085, 2099]}, {"key": "per-day", "type": "definition", "offset": [2113, 2120]}, {"key": "pos-transactions", "type": "definition", "offset": [2162, 2178]}, {"key": "purchase-amounts", "type": "clause", "offset": [2247, 2263]}, {"key": "limit-to", "type": "clause", "offset": [2321, 2329]}, {"key": "cash-withdrawals", "type": "clause", "offset": [2344, 2360]}, {"key": "atm-machine", "type": "clause", "offset": [2397, 2408]}, {"key": "point-of-sale", "type": "definition", "offset": [2447, 2460]}], "hash": "4566e25371090f575dc22ab1f7ce21de", "id": 3}, {"samples": [{"hash": "ebCqe1OvKpk", "uri": "/contracts/ebCqe1OvKpk#debit-card", "label": "Electronic Fund Transfers Agreement", "score": 26.4812259674, "published": true}, {"hash": "eeo7xvQcemc", "uri": "/contracts/eeo7xvQcemc#debit-card", "label": "Electronic Fund Transfers Agreement", "score": 24.3319969177, "published": true}], "size": 8, "snippet": "If approved, you may use your card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactions through the Internet. If you wish to pay for goods and services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transactions that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your share draft (checking) account. For one-time debit transactions, you must consent to the Credit Union\u2019s overdraft privilege service in order for the transaction amount to be covered under the service. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transaction. Services and fees for ATM overdrafts are shown in the document the Credit Union uses to capture the member\u2019s opt-in choice for overdraft privilege and the Fee Schedule.", "snippet_links": [{"key": "if-approved", "type": "clause", "offset": [0, 11]}, {"key": "your-card", "type": "clause", "offset": [25, 34]}, {"key": "goods-and-services", "type": "clause", "offset": [47, 65]}, {"key": "participating-merchants", "type": "definition", "offset": [71, 94]}, {"key": "type-of", "type": "definition", "offset": [147, 154]}, {"key": "the-internet", "type": "clause", "offset": [196, 208]}, {"key": "for-goods", "type": "clause", "offset": [229, 238]}, {"key": "to-provide", "type": "clause", "offset": [291, 301]}, {"key": "card-number", "type": "clause", "offset": [302, 313]}, {"key": "security-information", "type": "definition", "offset": [314, 334]}, {"key": "the-transaction", "type": "clause", "offset": [376, 391]}, {"key": "you-agree", "type": "clause", "offset": [393, 402]}, {"key": "local-law", "type": "definition", "offset": [508, 517]}, {"key": "card-purchases", "type": "clause", "offset": [539, 553]}, {"key": "share-draft", "type": "definition", "offset": [581, 592]}, {"key": "debit-transactions", "type": "clause", "offset": [626, 644]}, {"key": "consent-to", "type": "clause", "offset": [655, 665]}, {"key": "the-credit-union", "type": "definition", "offset": [666, 682]}, {"key": "overdraft-privilege-service", "type": "clause", "offset": [685, 712]}, {"key": "transaction-amount", "type": "definition", "offset": [730, 748]}, {"key": "the-service", "type": "clause", "offset": [769, 780]}, {"key": "your-consent", "type": "clause", "offset": [790, 802]}, {"key": "resulting-from", "type": "definition", "offset": [860, 874]}, {"key": "types-of", "type": "clause", "offset": [881, 889]}, {"key": "services-and-fees", "type": "clause", "offset": [903, 920]}, {"key": "the-member", "type": "clause", "offset": [999, 1009]}, {"key": "fee-schedule", "type": "clause", "offset": [1058, 1070]}], "hash": "e44b7d6a6983fecb3fd967c27ca83ede", "id": 4}, {"samples": [{"hash": "4eq0E9hjprA", "uri": "/contracts/4eq0E9hjprA#debit-card", "label": "Personal Deposit Account Agreement", "score": 26.9863109589, "published": true}, {"hash": "9wNLrD46D2Q", "uri": "/contracts/9wNLrD46D2Q#debit-card", "label": "Personal Deposit Account Agreement", "score": 26.7467479706, "published": true}, {"hash": "cF4eD8JunuA", "uri": "/contracts/cF4eD8JunuA#debit-card", "label": "Personal Deposit Account Agreement", "score": 26.6344966888, "published": true}], "size": 7, "snippet": "You may use your debit card at any merchant location that accepts Mastercard\u00ae cards to make purchases. When your debit card is used to make a purchase, you are requesting us to withdraw funds from your designated checking or money market account to pay for the purchase. You can use your debit card to do everything that an ATM card can do and, in addition, to perform the functions set forth below:\u200c", "snippet_links": [{"key": "merchant-location", "type": "definition", "offset": [35, 52]}, {"key": "a-purchase", "type": "definition", "offset": [140, 150]}, {"key": "money-market-account", "type": "definition", "offset": [225, 245]}, {"key": "pay-for", "type": "definition", "offset": [249, 256]}, {"key": "the-purchase", "type": "clause", "offset": [257, 269]}, {"key": "atm-card", "type": "definition", "offset": [324, 332]}, {"key": "in-addition", "type": "clause", "offset": [345, 356]}, {"key": "the-functions", "type": "definition", "offset": [369, 382]}], "hash": "994cce299575ff6d46df19fee30f08be", "id": 5}, {"samples": [{"hash": "lmEXDULfO1N", "uri": "/contracts/lmEXDULfO1N#debit-card", "label": "Medicare Advantage Medical Savings Account Agreement", "score": 27.3312797546, "published": true}, {"hash": "2JaFDInJetu", "uri": "/contracts/2JaFDInJetu#debit-card", "label": "Health Savings Account Agreement", "score": 27.3230667114, "published": true}, {"hash": "fOaOUXmyISp", "uri": "/contracts/fOaOUXmyISp#debit-card", "label": "Health Savings Account Agreement", "score": 26.8042430878, "published": true}], "size": 6, "snippet": "We will provide you with the terms of agreement regarding your use of a debit card with your Account in a separate document provided with your debit card that you can use to access your Account. You agree to those terms specified in that separate document when you use the debit card.", "snippet_links": [{"key": "will-provide", "type": "clause", "offset": [3, 15]}, {"key": "agreement-regarding", "type": "clause", "offset": [38, 57]}, {"key": "separate-document", "type": "clause", "offset": [106, 123]}, {"key": "access-your-account", "type": "clause", "offset": [174, 193]}, {"key": "you-agree-to", "type": "clause", "offset": [195, 207]}, {"key": "those-terms", "type": "clause", "offset": [208, 219]}], "hash": "bf606f4f8895524d0e09c45441482316", "id": 7}, {"samples": [{"hash": "giBjOsGfCRY", "uri": "/contracts/giBjOsGfCRY#debit-card", "label": "Account Agreement", "score": 35.3082199097, "published": true}, {"hash": "hxIYOnf3dbg", "uri": "/contracts/hxIYOnf3dbg#debit-card", "label": "Account Agreement", "score": 33.9258499146, "published": true}, {"hash": "7F52gJXeNx", "uri": "/contracts/7F52gJXeNx#debit-card", "label": "Account Agreement", "score": 33.830039978, "published": true}], "size": 6, "snippet": "The Bank\u2019s debit card allows you to withdraw cash, transfer funds between linked accounts and check account balances at an ATM. It also allows you to purchase goods and services at merchants that accepts debit cards. By opening or maintaining a consumer account at the Bank, you authorize the Bank to provide all eligible signatories on the account a separate debit card. For non- consumer accounts, by opening or maintaining a non-consumer or business account at the Bank, you authorize the Bank to provide you with one debit card. Business debit cards issued to non-consumer accounts (including business accounts and accounts for sole proprietors) are not covered under the Electronic Fund Transfer Act or Regulation E.", "snippet_links": [{"key": "transfer-funds", "type": "definition", "offset": [51, 65]}, {"key": "linked-accounts", "type": "definition", "offset": [74, 89]}, {"key": "account-balances", "type": "clause", "offset": [100, 116]}, {"key": "goods-and-services", "type": "clause", "offset": [159, 177]}, {"key": "at-the-bank", "type": "clause", "offset": [262, 273]}, {"key": "to-provide", "type": "clause", "offset": [298, 308]}, {"key": "a-separate", "type": "definition", "offset": [349, 359]}, {"key": "consumer-accounts", "type": "clause", "offset": [381, 398]}, {"key": "a-non", "type": "clause", "offset": [426, 431]}, {"key": "business-debit-cards", "type": "definition", "offset": [533, 553]}, {"key": "issued-to", "type": "definition", "offset": [554, 563]}, {"key": "business-accounts", "type": "definition", "offset": [597, 614]}, {"key": "sole-proprietors", "type": "clause", "offset": [632, 648]}, {"key": "not-covered", "type": "clause", "offset": [654, 665]}, {"key": "transfer-act", "type": "definition", "offset": [692, 704]}], "hash": "473a57213d15fce339454207e1058af8", "id": 8}, {"samples": [{"hash": "3PDXtsPEtCa", "uri": "/contracts/3PDXtsPEtCa#debit-card", "label": "Account Agreement", "score": 28.4264774323, "published": true}, {"hash": "fLZH5colajP", "uri": "/contracts/fLZH5colajP#debit-card", "label": "Account Agreement", "score": 24.7138938904, "published": true}, {"hash": "byuk2ZQ0KRt", "uri": "/contracts/byuk2ZQ0KRt#debit-card", "label": "Account Agreement", "score": 24.7138938904, "published": true}], "size": 6, "snippet": "The Bank\u2019s debit cards allow you to withdraw cash, transfer funds between accounts at the Bank, inquire about account balances on your accounts, and may allow for purchasing goods and services at participating merchant locations that have a point-of-sale terminal that accepts debit cards. The Bank requires you to sign a separate agreement before using this service.", "snippet_links": [{"key": "debit-cards", "type": "definition", "offset": [11, 22]}, {"key": "transfer-funds", "type": "definition", "offset": [51, 65]}, {"key": "at-the-bank", "type": "clause", "offset": [83, 94]}, {"key": "account-balances", "type": "clause", "offset": [110, 126]}, {"key": "your-accounts", "type": "clause", "offset": [130, 143]}, {"key": "goods-and-services", "type": "clause", "offset": [174, 192]}, {"key": "merchant-locations", "type": "definition", "offset": [210, 228]}, {"key": "separate-agreement", "type": "clause", "offset": [322, 340]}], "hash": "f71f3db5022bc7c3053ef48ae80cdcb0", "id": 9}, {"samples": [{"hash": "jtZNCsEyhoU", "uri": "/contracts/jtZNCsEyhoU#debit-card", "label": "Membership and Account Agreement", "score": 31.4933452606, "published": true}, {"hash": "5XgogkvhobL", "uri": "/contracts/5XgogkvhobL#debit-card", "label": "Membership and Account Agreement", "score": 30.8007907867, "published": true}, {"hash": "hrzwhOnMSe3", "uri": "/contracts/hrzwhOnMSe3#debit-card", "label": "Membership and Account Agreement", "score": 24.9014377594, "published": true}], "size": 6, "snippet": "You may use your Card to purchase goods and services from participating merchants. You agree that you will not use your Card for any transaction that is illegal under applicable federal, state or local law. Funds to cover your Card purchases will be deducted from your checking account. If the balance in your account is not sufficient to pay the transaction amount, the Credit Union will pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your Card and PIN (Personal Identification Number) to: \u2022 Make deposits to your checking or savings accounts. \u2022 Withdraw funds from your checking or savings accounts. \u2022 Transfer funds from your checking or savings accounts. \u2022 Obtain balance information for your checking and savings accounts. \u2022 Make loan payments from your checking and savings accounts. \u2022 Purchase goods and services at merchants that accept Visa. \u2022 Order goods or services by mail or telephone from places that accept Visa. The following limitations on the frequency and amount of Debit Card transactions may apply: \u2022 There may be a limit on the number of Debit Card purchases you make per day. \u2022 You may transfer up to the available balance in you accounts at the time of the transfer.", "snippet_links": [{"key": "your-card", "type": "clause", "offset": [12, 21]}, {"key": "goods-and-services", "type": "clause", "offset": [34, 52]}, {"key": "participating-merchants", "type": "definition", "offset": [58, 81]}, {"key": "local-law", "type": "definition", "offset": [196, 205]}, {"key": "card-purchases", "type": "clause", "offset": [227, 241]}, {"key": "your-checking-account", "type": "clause", "offset": [264, 285]}, {"key": "the-balance", "type": "clause", "offset": [290, 301]}, {"key": "your-account", "type": "definition", "offset": [305, 317]}, {"key": "to-pay", "type": "clause", "offset": [336, 342]}, {"key": "transaction-amount", "type": "definition", "offset": [347, 365]}, {"key": "the-credit-union", "type": "definition", "offset": [367, 383]}, {"key": "transfer-funds", "type": "definition", "offset": [446, 460]}, {"key": "other-deposit-accounts", "type": "clause", "offset": [466, 488]}, {"key": "overdraft-protection", "type": "definition", "offset": [499, 519]}, {"key": "loan-accounts", "type": "definition", "offset": [532, 545]}, {"key": "you-agree-to", "type": "clause", "offset": [654, 666]}, {"key": "payment-of", "type": "clause", "offset": [682, 692]}, {"key": "in-the-event-of", "type": "clause", "offset": [709, 724]}, {"key": "services-under-this-agreement", "type": "clause", "offset": [781, 810]}, {"key": "card-and-pin", "type": "clause", "offset": [829, 841]}, {"key": "personal-identification-number", "type": "definition", "offset": [843, 873]}, {"key": "balance-information", "type": "clause", "offset": [1056, 1075]}, {"key": "checking-and-savings-accounts", "type": "clause", "offset": [1085, 1114]}, {"key": "loan-payments", "type": "definition", "offset": [1123, 1136]}, {"key": "goods-or-services", "type": "definition", "offset": [1247, 1264]}, {"key": "by-mail", "type": "definition", "offset": [1265, 1272]}, {"key": "limitations-on", "type": "definition", "offset": [1330, 1344]}, {"key": "frequency-and-amount", "type": "clause", "offset": [1349, 1369]}, {"key": "debit-card-transactions", "type": "clause", "offset": [1373, 1396]}, {"key": "number-of", "type": "clause", "offset": [1438, 1447]}, {"key": "per-day", "type": "definition", "offset": [1478, 1485]}, {"key": "available-balance", "type": "definition", "offset": [1516, 1533]}, {"key": "the-transfer", "type": "clause", "offset": [1565, 1577]}], "hash": "c2bb16ca0466da763ea2abea4005f184", "id": 10}], "next_curs": "ClMSTWoVc35sYXdpbnNpZGVyY29udHJhY3Rzci8LEhZDbGF1c2VTbmlwcGV0R3JvdXBfdjU2IhNkZWJpdC1jYXJkIzAwMDAwMDBhDKIBAmVuGAAgAA==", "clause": {"children": [["card-use", "Card Use"], ["return-of-funds", "Return of Funds"], ["card-activation", "Card Activation"], ["card-and-account-fees", "Card and Account Fees"], ["atms", "ATMs"]], "title": "Debit Card", "size": 330, "parents": [["eft-services", "EFT SERVICES"], ["services", "Services"], ["important-information-about-your-card", "Important Information About Your Card"], ["using-your-account-debit-card-and-account-disclosures", "Using Your Account Debit Card and Account Disclosures"], ["general-rules-and-regulations", "General Rules and Regulations"]], "id": "debit-card", "related": [["visa-debit-card", "Visa Debit Card", "Visa <strong>Debit Card</strong>"], ["credit-card", "Credit Card", "Credit Card"], ["account-verification", "Account Verification", "Account Verification"], ["change-of-card-account-number", "Change of card account number", "Change of card account number"], ["the-card", "The Card", "The Card"]], "related_snippets": [], "updated": "2025-07-24T04:27:57+00:00"}, "json": true, "cursor": ""}}