Electronic Fund Transfer Disclosure. We presently offer many bank services that may be considered electronic fund transfers, including, but not limited to, ATM transactions through the Visa®, NYCE®, Plus®, Pulse® and STAR® networks; Point-of-Sale (“POS”) transactions; ACH transactions, including, but not limited to, direct deposits and preauthorized withdrawals; automated telephone transfers; and online transfers. This disclosure (as required by Federal Regulation E which implements the Electronic Fund Transfer Act) provides information that describes your rights and responsibilities regarding these services. The electronic fund transfer services are services we can provide, assuming you specifically request and arrange them and qualify for the service.
Electronic Fund Transfer Disclosure. Salem Five offers a wide variety of electronic fund transfer services. For example, if you have preauthorized the transfer of funds from your account to third parties, if you have authorized direct deposits to your account, if you use our AccessLine or Online Banking Services, or if you have a Salem Five ATM card or Salem Five debit card (both referred to in this Agreement as “Card”), you have subscribed to electronic banking services. Your use of the electronic banking services to which you have subscribed will be subject to the terms and conditions of this Agreement and any other agreement specific to the service you use. Laws have been enacted by Congress and the Massachusetts Legislature that define the rights and responsibilities of the Bank in providing electronic fund transfer services to consumers and your rights and responsibilities as a consumer utilizing these services. In order for you to understand your rights under the federal Electronic Fund Transfer Act and Chapter 167B of the Massachusetts General Laws, we are providing you with the following disclosures. In addition to these federal and state laws, Federal Reserve Regulation E and the rules of NACHA Electronic Payments Association apply to your electronic transfers. Consumers who utilize or intend to utilize Salem Five’s Online Banking Services to view their accounts, transfer funds or pay bills should also refer to the disclosure entitled Salem Five Online Banking Agreement, which describes additional terms and conditions pertaining specifically to those services. Disclosure of Consumer’s Liability for Unauthorized Transfers IF YOU BELIEVE YOUR CARD OR PERSONAL IDENTIFICATION NUMBER (“PIN”) HAS BEEN LOST OR STOLEN OR THAT SOMEONE HAS TRANSFERRED OR MAY TRANSFER MONEY FROM YOUR ACCOUNT WITHOUT YOUR PERMISSION, CALL US IMMEDIATELY, DURING BANKING SERVICE HOURS: MONDAY THROUGH FRIDAY BETWEEN THE HOURS OF 8:00 A.M. AND 6:00 P.M., SATURDAY BETWEEN 9:00 A.M. AND 3:00 P.M., OR SUNDAY BETWEEN THE HOURS OF 11:00 A.M.AND 3:00 P.M., EASTERN TIME. CALL (000) 000-0000 OR TOLL FREE AT (000) 000-0000. YOU MAY WRITE US AT: CONTACT CENTER, 000 XXXXX XXXXXX, XXXXX, XX 00000. TO REPORT A LOST OR STOLEN DEBIT CARD BEFORE OR AFTER BANKING HOURS, PLEASE CALL CARD SERVICES AT 000-000-0000, option 3. Tell us AT ONCE if you believe your Card or your PIN has been lost, stolen or used without your permission. Telephoning is the best way of minimizing your losses. You can lose no more than $50 if you give us timely...
Electronic Fund Transfer Disclosure. This Electronic Fund Transfer Disclosure applies to electronic fund transfers to or from your Account to the extent the transfers are governed by Regulation E (excluding remittance transfers governed by Subpart B of Regulation E). This Electronic Fund Transfer Disclosure seeks to inform you of your rights and obligations under Part A of Regulation E. This Electronic Fund Transfer Disclosure does not cover “remittance transfers” or wire transfers governed by Part B of Regulation E.
Electronic Fund Transfer Disclosure. The provisions of the following Electronic Fund Transfer Disclosure apply only to electronic fund transfers to or from accounts established primarily for personal, family, or household purposes (“consumer accounts”). These provisions do not apply to any transactions that are not covered under the Electronic Fund Transfer Act or Regulation E. This Electronic Fund Transfer Disclosure governs your use of electronic fund transfer services, including telephone transfer service through our 24-hour automated banking service, and preauthorized transfers (as applicable). Additional, separate terms and disclosures will govern the use of other electronic fund transfer services, including telephone transfer service through our 24-hour automated banking service, and preauthorized transfers (as applicable). Additional, separate terms and disclosures will govern the use of other electronic fund transfer services, including the Mechanics Bank automated teller machine card (“ATM Card”), and the Visa® or MasterCard® Debit Card.
Electronic Fund Transfer Disclosure. This disclosure document describes the various types of electronic fund transfers which are available to members with APCIRCUIT and your rights and responsibilities concerning those transactions, including your rights under the Electronic Fund Transfers Act (“EFT Act”). Please refer to the Electronic Fund Transfers section of our Important Account Information brochure.
Electronic Fund Transfer Disclosure. The provisions of the following Electronic Fund Transfers Disclosure apply only to electronic fund transfers (e.g., point-of-sale transfers, ATM transfers, direct deposits, certain transfers initiated by telephone, and transfers resulting from debit card transactions) to or from accounts established primarily for personal, family, or household purposes (“consumer accounts”). These provisions do not apply to any transactions that are not covered under the Electronic Fund Transfers Act or Regulation E.
Electronic Fund Transfer Disclosure. The provisions of the following Electronic Fund Transfer Disclosure apply only to electronic fund transfers (e .g ., point-of-sale transfers, ATM transfers, direct deposits, certain transfers initiated by telephone, and transfers resulting from debit card transactions) to or from accounts established primarily for personal, family, or household purposes (“consumer accounts”). These provisions do not apply to any transactions that are not covered under the Electronic Fund Transfer Act or Regulation E . Authorized Signers Any authorized signer on an account may apply for electronic fund transfer services on behalf of all authorized signers. Once an electronic fund transfer service is established, any authorized signer on your account may act alone in conducting electronic fund transactions, regardless of the number of required signers indicated on the account’s signature card . ATM or Debit Cards Refer to the Debit Card Agreement and Disclosures for additional disclosures that apply to electronic fund transfers involving an ATM or debit card . Online Banking Transactions Refer to the Online Banking Agreement and MobileBanking Agreement for additional disclosures that apply to electronic fund transfers involving our online banking system(s) .
Electronic Fund Transfer Disclosure. Generally, the funds transfer Services enable you to use your Device to transfer funds to and from your account, to pay bills directly from your account in the amounts and on the days you request, and to make other payments and remittances of funds from your account. The types of funds transfer Services offered are described in more detail in their respective sections.
Electronic Fund Transfer Disclosure. We presently offer many bank services that may be considered “Electronic Fund Transfers,” including, but not limited to, ATM transactions through the NYCE®, PLUS®, Pulse® and STAR® networks; point-of-sale transactions; ACH transactions, including, but not limited to, direct deposits and preauthorized withdrawals; automated telephone transfers; and online transfers. This disclosure (as required by Federal Regulation E: Electronic Fund Transfer Act) provides information that describes your rights and responsibilities regarding these services. The Electronic Fund Transfer services are services that we can provide, assuming that you specifically request and arrange them and qualify for the service. ATM and Debit Card Transactions Consistent with applicable law, you may use your ATM or debit card with your PIN to perform most routine transactions on the accounts that are accessible by your ATM or debit card. You can use your ATM or debit card to: • Make cash withdrawals • Make deposits of cash, checks, or drafts • Transfer funds among Bank accounts linked to the same card • Obtain your most recently available account balance • Pay for purchases at places that have agreed to accept the card Some of the above services may not be available at all ATMs or locations. If you are under the age of 18, you are not permitted to have an ATM or Debit Card in your name. International ATM Transactions ATM or debit card international transactions are converted to U.S. currency according to the rules and regulations of the ATM network. The conversion of the currency to U.S. currency may occur on a date other than your original transaction date and fees may be assessed by these networks. You are responsible for the U.S. currency amount plus any fees assessed for the currency conversion. Some services may not be available at international ATM terminals. International ATM transactions may be subject to a fee in accordance with our Schedule of Fees. ATM Deposits Deposits made through an ATM are posted to your account according to the terms and conditions of your account as outlined in this Agreement and our Truth in Savings Disclosures. Your funds will become available for your use in accordance with the schedule outlined in our Funds Availability Policy disclosure. Not all ATM terminals accept deposits. Credit for each deposit made at an ATM is subject to verification of each item deposited in accordance with applicable law. Additional delays may occur resulting in a total of nin...
Electronic Fund Transfer Disclosure. This section applies only to customers who use Online Banking services for personal or household purposes. It does not apply to customers who use Online Banking services for business purposes.
