Ownership and Use of the Card. The Card is and will remain our property. However, you will be solely and completely responsible for the possession, use and control of the Card. You must surrender the Card to us immediately upon request. The Card may not be used for Internet lottery, betting, or gambling transactions or for any illegal transactions. This card is intended for students ages 13 to 26. Once you reach the age of 26, you will be notified by letter that your card will be closed at the end of the month in which your card expires. Before using the Card You must activate the Card by calling the number indicated on the sticker on the front of your Card, or signing on to our secure website. Remember to sign the reverse of the Card. Write down your Card number and the Customer Service Number on a separate piece of paper in case the Card is ever lost or stolen. At the time of activation, for your protection and for regulatory purposes, we may request, and you agree to provide, some additional identification verification information such as your home phone number, date of birth, social security number and zip code. We may use this data for a range of purposes, including but not limited to facilitating refunds if your Card is lost or stolen, enhancing usage at merchants that may require zip code authorization, and aiding in collection efforts in the event of a Shortage, as defined herein. We will hold your information in confidence in accordance with the section below entitled "Privacy". If you do not wish to provide the data, or if the data you provide us cannot be appropriately verified, we reserve the right to cancel your Card and reimburse you for the Initial Load Amount. Please read the following carefully and keep these Terms and Conditions for your records as they set out the Agreement between you and us. You will be deemed to have accepted the Card and the terms of this Agreement if you do any of the following: (a) use the Card or (b) activate the Card. Please sign the back of your Prepaid Card using your usual signature immediately upon receipt. You must be a resident of the U.S. to purchase the Card. The minimum value that can be prepaid is $25. Using Your Card The VISA Card is a prepaid, reloadable stored-value card. It is neither a credit card, nor a NCUA insured deposit account. This card is issued by VyStar Credit Union; pursuant to a license from Visa U.S.A, Inc. Your Card allows you to access your prepaid funds at ATMs which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The maximum value that can be loaded initially to the Card is limited to $500.00, and no more than $1000 can be available for use on the Card at any one time. A maximum of $500.00 can be loaded at one time, with a maximum amount of 8 loads in a rolling 30 days. Activate your Card by calling toll-free, 0-000-000-0000 or visit us online at xxx.xxxxxxxx.xxx. You will be required, for validation purposes, to provide personal information. During activation you will be given a PIN. You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at ACCEL merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card after activation. The Card is non-transferable. Please do not give your Card to anyone else to use. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. If for any reason your purchase exceeds the available balance you will be required to reload funds immediately or you may be subject to an overdraft fee. Some ACCEL and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card to pre-authorize a hotel reservation, any amount requested in a pre- authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If thirty days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental businesses likewise add 15% to the rental to allow for any additional expenses, and mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be the same as the final bill. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card.
Appears in 1 contract
Samples: Reloadable Student Prepaid Card Terms and Conditions
Ownership and Use of the Card. The Card is and will remain our property. However, you will be solely and completely responsible for the possession, use and control of the Card. You must surrender the Card to us immediately upon request. The Card may not be used for Internet lottery, betting, or gambling transactions or for any illegal transactions. This Our International Visa Prepaid Card can be purchased by a member in your local branch. The individual purchasing the card is intended defined as the primary cardholder. The address listed for students ages 13 the primary cardholder must match the billing address for the debit/credit card used to 26. Once you reach purchase and/or reload the age of 26, you will be notified by letter that your card will be closed at the end of the month in which your card expiresInternational VISA Prepaid Card. Before using the Card You must activate the Card by signing into our website and choosing the option for Activate Card or by calling the Customer Service number indicated on (000) 000-0000. A PIN will be assigned after the sticker on Card is activated. You will have the front of your Card, or signing on option to our secure websiteselect a new PIN should you desire. Remember to sign the reverse back of the Card. Write down your Card number and the Customer Service Number on a separate piece of paper in case the Card is ever lost or stolen. At the time of activation, for your protection and for regulatory purposes, we may request, and you agree to provide, some additional identification verification information such as your home phone number, date of birth, social security number and zip code. We may use this data for a range of purposes, including but not limited to facilitating refunds if your Card is lost or stolen, enhancing usage at merchants that may require zip code authorization, and aiding in collection efforts in the event of a Shortageshortage, as defined herein. We will hold your information in confidence in accordance with the section below entitled "Privacy". If you do not wish to provide the data, or if the data you provide us cannot be appropriately verified, we reserve the right to cancel your Card and reimburse you for the Initial Load Amount. For security reasons, some countries may be blocked from access. If you are traveling out of the country, contact us before leaving to inquire about which countries and how to enable usage. Please read the following carefully and keep these Terms and Conditions for your records as they set out the Agreement between you and us. You will be deemed to have accepted the Card and the terms of this Agreement if you do any of the following: (a) use the Card or (b) activate the Card. Please sign the back of your International VISA Prepaid Card using your usual signature immediately upon receipt. You must be a resident of the U.S. to purchase the Card. The minimum value that can be prepaid added is $25. Using Your Card The VISA Card is a prepaid, reloadable stored-value card. It is neither a credit card, nor a NCUA insured deposit account. This card is issued by VyStar Credit Union; pursuant to a license from Visa U.S.A, Inc. Your Card allows you to access your prepaid funds at ATMs which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide20.00. The maximum value that can be loaded initially to the Card added is limited to $500.00, and no more than $1000 can be available for use on the Card at any one time. A maximum of $500.00 can be loaded at one time, with a maximum amount of 8 loads in a rolling 30 days. Activate your Card by calling toll-free, 0-000-000-0000 or visit us online at xxx.xxxxxxxx.xxx. You will be required, for validation purposes, to provide personal information. During activation you will be given a PIN. You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at ACCEL merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card after activation. The Card is non-transferable. Please do not give your Card to anyone else to use. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. If for any reason your purchase exceeds the available balance you will be required to reload funds immediately or you may be subject to an overdraft fee. Some ACCEL and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card to pre-authorize a hotel reservation, any amount requested in a pre- authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If thirty days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental businesses likewise add 15% to the rental to allow for any additional expenses, and mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be the same as the final bill. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card3,000.00.
Appears in 1 contract
Samples: static1.squarespace.com
Ownership and Use of the Card. The Card is and will remain our property. However, you will be solely and completely responsible for the possession, use and control of the Card. You must surrender the Card to us immediately upon request. The Card may not be used for Internet lottery, betting, or gambling transactions or for any illegal transactions. This card is intended for students ages 13 to 26. Once you reach the age of 26, you will be notified by letter that your card will be closed at the end of the month in which your card expires. Before using the Card You must activate the Personalized Card by calling the number indicated on the sticker on the front of your Card, or signing on to our secure website. Non Personalized Cards are activated upon load; however it is recommended that you register your card by signing on to our secure website. Remember to sign the reverse of the Card. Write down your Card number and the Customer Service Number on a separate piece of paper in case the Card is ever lost or stolen. At the time of activation, for your protection and for regulatory purposes, we may request, and you agree to provide, some additional identification verification information such as your home phone number, date of birth, social security number and zip code. We may use this data for a range of purposes, including but not limited to facilitating refunds if your Card is lost or stolen, enhancing usage at merchants that may require zip code authorization, and aiding in collection efforts in the event of a Shortage, as defined herein. We will hold your information in confidence in accordance with the section below entitled "Data Protection and Privacy". If you do not wish to provide the data, or if the data you provide us cannot be appropriately verified, we reserve the right to cancel your Card and reimburse you for the Initial Load Amount. Please read the following carefully and keep these Terms and Conditions for your records as they set out the Agreement between you and us. You will be deemed to have accepted the Card and the terms of this Agreement if you do any of the following: (a) use the Card or (b) activate the Card. Please sign the back of your Prepaid Travel Card using your usual signature immediately upon receipt. You must be a resident of the U.S. to purchase the Card. The minimum value that can be prepaid is $25. Using Your Card The VISA Travel Card is a prepaid, reloadable stored-value card. It is neither a credit card, nor a NCUA insured deposit account. This card is issued by VyStar Novartis Federal Credit Union; pursuant to a license from Visa U.S.A, Inc. Your Card allows you to access your prepaid funds at ATMs ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The card may not be used at some merchants including non-financial money exchange establishments and gambling establishments. The maximum value that can be loaded initially credited to the Travel Card on issue is limited to $500.005000.00, and no more than $1000 5000.00 can be available for use on the Card at any one time. A maximum of $500.00 can be loaded at one time, with a maximum amount of 8 loads in a rolling 30 days. Activate your Card by calling toll-free, 0-000-000-0000 or visit us online at xxx.xxxxxxxx.xxxxxx.XxxxxxxxXXX.xxx. You will be required, for validation purposes, to provide personal information. During activation you will be given a PIN. You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at ACCEL Interlink merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card after activation. The Card is non-transferable. The person who purchases the Card is the only person authorized to use the Card. Please do not give your Card to anyone else to use. You may request four additional Cards when you order your Card for any user you authorize which will have to be separately activated and which can be used in the same way as the Card at ATMs and merchants that accept VISA debit cards. You are responsible for all authorized transactions made with this additional Card. Only the primary cardholder can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. If for any reason your purchase exceeds the available balance you will be required to reload funds immediately or you may be subject to an overdraft fee. Some ACCEL Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. When you use your Card at an automated gas station pump you will require a minimum of $75 available credit on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require of minimum credit of $15. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card to pre-authorize a hotel reservation, reservation any amount requested in a pre- pre-authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If thirty five days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental businesses likewise add 15% to the rental to allow for any additional expenses, expenses and mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be the same as the final bill. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card, which will be not less than 24 months after you purchased the Card. If your account is a personalized account, is in good standing, and has greater than a $0 balance, it will automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. For Your Safety When Using an ATM, Please Observe the Following If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction, and then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. Card Activity Information You can review your Card balance and the last 5 transactions activity records by calling toll-free 0-000-000-0000 or by visiting xxx.XxxxxxxxXXX.xxx where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your Novartis Federal Credit Union VISA Travel Card account number and some of the information requested when you ordered the Card are required for authentication. Card Reloading You can add value of at least $25 on your Travel Card by making a payment at your local Novartis Federal Credit Union branch. Please bear in mind the number of loads on a Non-personalized card is limited to four including the initial load. Personalized cards have unlimited reload capabilities. You can also add value at xxx.XxxxxxxxXXX.xxx or by calling toll free 0-000-000-0000 by initiating funds transfer from your designated funding account. Funds may not be available for immediate use after you have initiated the transfer. ATM Usage The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit of $500 or 5 withdrawals per 24-hour period. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. In addition to our ATM withdrawal fee described below, an additional fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Travel Card Account Fees and Charges Additional Card Fee - $4.95. Card Fee - $5.95 if a member and ordered from a local branch and $8.95 plus shipping as advised when ordering on the telephone or online. Reload Fee - $2.00 to reload value onto your Visa Travel Card. (Please remember Non- Personalized cards are limited to 4 reloads included the initial value load.) ATM Fee - There is a $.00 ATM withdrawal fee per ATM withdrawal in the US and $.00 elsewhere in the world. Bank Cash Advance Fee - There is a $0.00 fee per withdrawal in the US and elsewhere in the world. Account Maintenance Fee - You will be charged a fee of $2.50 each month, beginning on the 13th month of inactivity on the Card, as long as there is a balance remaining on the Card. Overdraft Fees - In the event your Card has a negative balance, you will pay us on demand the debit balance and you may be charged a $0.00 fee.
Appears in 1 contract
Samples: novartisfcu.org
Ownership and Use of the Card. The Card is and will remain our property. However, you will be solely and completely responsible for the possession, use and control of the Card. You must surrender the Card to us immediately upon request. The Card may not be used for Internet lottery, betting, or gambling transactions or for any illegal transactions. This card is intended for students ages 13 to 26. Once you reach the age of 26, you will be notified by letter that your card will be closed at the end of the month in which your card expires. Before using the Card Card: You must activate the Personalized Card by calling the number indicated on the sticker on the front of your Card, or signing on to our secure website. Non Personalized Cards are activated upon load, however it is recommended that you register your card by signing on to our secure website. Remember to sign the reverse of the Card. Write down your Card number and the Customer Service Number on a separate piece of paper in case the Card is ever lost or stolen. At the time of activation, for your protection and for regulatory purposes, we may request, and you agree to provide, some additional identification verification information such as your home phone number, date of birth, social security Social Security number and zip code. We may use this data for a range of purposes, including but not limited to facilitating refunds if your Card is lost or stolen, enhancing usage at merchants that may require zip code authorization, and aiding in collection efforts in the event of a Shortage, as defined herein. We will hold your information in confidence in accordance with the section below entitled "“Data Protection and Privacy". .” If you do not wish to provide the data, or if the data you provide us cannot be appropriately verified, we reserve the right to cancel your Card and reimburse you for the Initial Load Amount. Please read the following carefully and keep these Terms and Conditions for your records as they set out the Agreement between you and us. You will be deemed to have accepted the Card and the terms of this Agreement if you do any of the following: (a) use the Card or (b) activate the Card. Please sign the back of your Prepaid Card using your usual signature immediately upon receipt. You must be a resident of the U.S. to purchase the Card. The minimum value that can be prepaid is $25. Using Your Card The VISA Card is a prepaid, reloadable stored-value card. It is neither a credit card, nor a NCUA insured deposit account. This card is issued by VyStar Credit Union; pursuant to a license from Visa U.S.A, Inc. Your Card allows you to access your prepaid funds at ATMs which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The maximum value that can be loaded initially to the Card is limited to $500.00, and no more than $1000 can be available for use on the Card at any one time. A maximum of $500.00 can be loaded at one time, with a maximum amount of 8 loads in a rolling 30 days. Activate your Card by calling toll-free, 0-000-000-0000 or visit us online at xxx.xxxxxxxx.xxx. You will be required, for validation purposes, to provide personal information. During activation you will be given a PIN. You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at ACCEL merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card after activation. The Card is non-transferable. Please do not give your Card to anyone else to use. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. If for any reason your purchase exceeds the available balance you will be required to reload funds immediately or you may be subject to an overdraft fee. Some ACCEL and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card to pre-authorize a hotel reservation, any amount requested in a pre- authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If thirty days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental businesses likewise add 15% to the rental to allow for any additional expenses, and mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be the same as the final bill. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card50.00.
Appears in 1 contract
Samples: www.pfcu4me.com
Ownership and Use of the Card. The Card is and will remain our property. However, you will be solely and completely responsible for the possession, use and control of the Card. You must surrender the Card to us immediately upon request. The Card may not be used for Internet internet lottery, betting, or gambling transactions or for any illegal transactions. This Our Reloadable Visa Prepaid Card can be purchased at your local branch by member’s ages 18 years or older. The individual purchasing the card is intended defined as the primary cardholder. The address listed for students ages 13 the primary cardholder must match the billing address for the debit/credit card used to 26purchase the Reloadable Prepaid Card. Once you reach the age of 26Personalized primary cardholders can order up to 4 personalized secondary cards for family members or companions. When purchasing a secondary card for a young person with no card experience, you will be notified by letter that your card will be closed at the end sure to go over all of the month in which your card expiresmaterials that accompany the card. Before using the Card You must activate the Card by signing into our website and choosing the option for Activate Card or by calling the Customer Service number indicated on (000) 000-0000. A PIN will be assigned after the sticker on Card is activated. You will have the front of your Card, or signing on option to our secure websiteselect a new PIN should you desire. Remember to sign the reverse back of the Card. Write down your Card number and the Customer Service Number on a separate piece of paper in case the Card is ever lost or stolen. At the time of activation, for your protection and for regulatory purposes, we may request, and you agree to provide, some additional identification verification information such as your home phone number, date of birth, social security number and zip code. We may use this data for a range of purposes, including but not limited to facilitating refunds if your Card is lost or stolen, enhancing usage at merchants that may require zip code authorization, and aiding in collection efforts in the event of a Shortageshortage, as defined herein. We will hold your information in confidence in accordance with the section below entitled "Privacy". If you do not wish to provide the data, or if the data you provide us cannot be appropriately verified, we reserve the right to cancel your Card and reimburse you for the Initial Load Amount. For security reasons, some countries may be blocked from access. If you are traveling out of the country, contact us before leaving to inquire about which countries and how to enable usage. Please read the following carefully and keep these Terms and Conditions for your records as they set out the Agreement between you and us. You will be deemed to have accepted the Card and the terms of this Agreement if you do any of the following: (a) use the Card or (b) activate the Card. Please sign the back of your Reloadable Prepaid Card using your usual signature immediately upon receipt. You must be a resident of the U.S. to purchase the Card. The minimum value that can be prepaid is $25. Using Your Card The VISA Card is a prepaid, reloadable stored-value card. It is neither a credit card, nor a NCUA insured deposit account. This card is issued by VyStar Credit Union; pursuant to a license from Visa U.S.A, Inc. Your Card allows you to access your prepaid funds at ATMs which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The maximum value that can be loaded initially to the Card is limited to $500.00, and no more than $1000 can be available for use on the Card at any one time. A maximum of $500.00 can be loaded at one time, with a maximum amount of 8 loads in a rolling 30 days. Activate your Card by calling toll-free, 0-000-000-0000 or visit us online at xxx.xxxxxxxx.xxx. You will be required, for validation purposes, to provide personal information. During activation you will be given a PIN. You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at ACCEL merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card after activation. The Card is non-transferable. Please do not give your Card to anyone else to use. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. If for any reason your purchase exceeds the available balance you will be required to reload funds immediately or you may be subject to an overdraft fee. Some ACCEL and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card to pre-authorize a hotel reservation, any amount requested in a pre- authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If thirty days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental businesses likewise add 15% to the rental to allow for any additional expenses, and mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be the same as the final bill. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card.20.00
Appears in 1 contract
Samples: www.cartercu.org
Ownership and Use of the Card. The Card is and will remain our property. However, you will be solely and completely responsible for the possession, use and control of the Card. You must surrender the Card to us immediately upon request. The Card may not be used for Internet lottery, betting, or gambling transactions or for any illegal transactions. This Our Visa Prepaid Card can be purchased by anyone that has a valid debit or credit card registered in his or her name. The individual purchasing the card is intended defined as the primary cardholder. The address listed for students ages 13 the primary cardholder must match the billing address for the debit/credit card used to 26purchase the International Prepaid Card. Once you reach the age of 26Personalized primary cardholders can order online up to 4 personalized secondary cards for family members or companions. When purchasing a secondary card for a young person with no card experience, you will be notified by letter that your card will be closed at the end sure to go over all of the month in which your card expiresmaterials that accompany the card. Before using the Card You must activate the Card by signing into our website and choosing the option for Activate Card or by calling the number indicated on Customer Service number(855) 657-8588. A PIN will be assigned after the sticker on Card is activated. You will have the front of your Card, or signing on option to our secure websiteselect a new PIN should you desire. Remember to sign the reverse back of the Card. Write down your Card number and the Customer Service Number on a separate piece of paper in case the Card is ever lost or stolen. At the time of activation, for your protection and for regulatory purposes, we may request, and you agree to provide, some additional identification verification information such as your home phone number, date of birth, social security number and zip code. We may use this data for a range of purposes, including but not limited to facilitating refunds if your Card is lost or stolen, enhancing usage at merchants that may require zip code authorization, and aiding in collection efforts in the event of a Shortageshortage, as defined herein. We will hold your information in confidence in accordance with the section below entitled "Privacy". If you do not wish to provide the data, or if the data you provide us cannot be appropriately verified, we reserve the right to cancel your Card and reimburse you for the Initial Load Amount. For security reasons, some countries may be blocked from access. If you are traveling out of the country, contact us before leaving to inquire about which countries and how to enable usage. Please read the following carefully and keep these Terms and Conditions for your records as they set out the Agreement between you and us. You will be deemed to have accepted the Card and the terms of this Agreement if you do any of the following: (a) use the Card or (b) activate the Card. Please sign the back of your Prepaid Card using your usual signature immediately upon receipt. You must be a resident of the U.S. to purchase the Card. The minimum value that can be prepaid is $25. Using Your Card The VISA Card is a prepaid, reloadable stored-value card. It is neither a credit card, nor a NCUA insured deposit account. This card is issued by VyStar Credit Union; pursuant to a license from Visa U.S.A, Inc. Your Card allows you to access your prepaid funds at ATMs which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The maximum value that can be loaded initially to the Card is limited to $500.00, and no more than $1000 can be available for use on the Card at any one time. A maximum of $500.00 can be loaded at one time, with a maximum amount of 8 loads in a rolling 30 days. Activate your Card by calling toll-free, 0-000-000-0000 or visit us online at xxx.xxxxxxxx.xxx. You will be required, for validation purposes, to provide personal information. During activation you will be given a PIN. You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at ACCEL merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card after activation. The Card is non-transferable. Please do not give your Card to anyone else to use. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. If for any reason your purchase exceeds the available balance you will be required to reload funds immediately or you may be subject to an overdraft fee. Some ACCEL and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card to pre-authorize a hotel reservation, any amount requested in a pre- authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If thirty days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental businesses likewise add 15% to the rental to allow for any additional expenses, and mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be the same as the final bill. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card50.00.
Appears in 1 contract
Samples: ascu.org
Ownership and Use of the Card. The Card is and will remain our property. However, you will be solely and completely responsible for the possession, use and control of the Card. You must surrender the Card to us immediately upon request. The Card may not be used for Internet lottery, betting, or gambling transactions or for any illegal transactions. This card is intended for students ages 13 to 26. Once you reach the age of 26, you will be notified by letter that your card will be closed at the end of the month in which your card expires. Before using the Card You must activate the Personalized Card by calling the number indicated on the sticker on the front of your Card, or signing on to our secure website. Non Personalized Cards are activated upon load, however it is recommended that you register your card by signing on to our secure website. Remember to sign the reverse of the Card. Write down your Card number and the Customer Service Number on a separate piece of paper in case the Card is ever lost or stolen. At the time of activation, for your protection and for regulatory purposes, we may request, and you agree to provide, some additional identification verification information such as your home phone number, date of birth, social security number and zip code. We may use this data for a range of purposes, including but not limited to facilitating refunds if your Card is lost or stolen, enhancing usage at merchants that may require zip code authorization, and aiding in collection efforts in the event of a Shortage, as defined herein. We will hold your information in confidence in accordance with the section below entitled "Data Protection and Privacy". If you do not wish to provide the data, or if the data you provide us cannot be appropriately verified, we reserve the right to cancel your Card and reimburse you for the Initial Load Amount. Please read the following carefully and keep these Terms and Conditions for your records as they set out the Agreement between you and us. You will be deemed to have accepted the Card and the terms of this Agreement if you do any of the following: (a) use the Card or (b) activate the Card. Please sign the back of your Prepaid Student Card using your usual signature immediately upon receipt. You must be a resident of the U.S. to purchase the Card. The minimum value that can be prepaid is $25. Using Your Card The VISA Card is a prepaid, reloadable stored-value card. It is neither a credit card, nor a NCUA insured deposit account. This card is issued by VyStar Credit Union; pursuant to a license from Visa U.S.A, Inc. Your Card allows you to access your prepaid funds at ATMs which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The maximum value that can be loaded initially to the Card is limited to $500.00, and no more than $1000 can be available for use on the Card at any one time. A maximum of $500.00 can be loaded at one time, with a maximum amount of 8 loads in a rolling 30 days. Activate your Card by calling toll-free, 0-000-000-0000 or visit us online at xxx.xxxxxxxx.xxx. You will be required, for validation purposes, to provide personal information. During activation you will be given a PIN. You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at ACCEL merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card after activation. The Card is non-transferable. Please do not give your Card to anyone else to use. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. If for any reason your purchase exceeds the available balance you will be required to reload funds immediately or you may be subject to an overdraft fee. Some ACCEL and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card to pre-authorize a hotel reservation, any amount requested in a pre- authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If thirty days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental businesses likewise add 15% to the rental to allow for any additional expenses, and mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be the same as the final bill. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card.
Appears in 1 contract
Samples: www.ohecu.com
Ownership and Use of the Card. The Card is and will remain our property. However, you will be solely and completely responsible for the possession, use and control of the Card. You must surrender the Card to us immediately upon request. The Card may not be used for Internet lottery, betting, or gambling transactions or for any illegal transactions. This Our Visa Prepaid Card can be purchased by anyone that has a valid debit or credit card registered in his or her name. The individual purchasing the card is intended defined as the primary cardholder. The address listed for students ages 13 the primary cardholder must match the billing address for the debit/credit card used to 26purchase the International Prepaid Card. Once you reach the age of 26Personalized primary cardholders can order online up to 4 personalized secondary cards for family members or companions. When purchasing a secondary card for a young person with no card experience, you will be notified by letter that your card will be closed at the end sure to go over all of the month in which your card expiresmaterials that accompany the card. Before using the Card You must activate the Card by signing into our website and choosing the option for Activate Card or by calling the Customer Service number indicated on (000) 000-0000. A PIN will be assigned after the sticker on Card is activated. You will have the front of your Card, or signing on option to our secure websiteselect a new PIN should you desire. Remember to sign the reverse back of the Card. Write down your Card number and the Customer Service Number on a separate piece of paper in case the Card is ever lost or stolen. At the time of activation, for your protection and for regulatory purposes, we may request, and you agree to provide, some additional identification verification information such as your home phone number, date of birth, social security number and zip code. We may use this data for a range of purposes, including but not limited to facilitating refunds if your Card is lost or stolen, enhancing usage at merchants that may require zip code authorization, and aiding in collection efforts in the event of a Shortageshortage, as defined herein. We will hold your information in confidence in accordance with the section below entitled "Privacy". If you do not wish to provide the data, or if the data you provide us cannot be appropriately verified, we reserve the right to cancel your Card and reimburse you for the Initial Load Amount. For security reasons, some countries may be blocked from access. If you are traveling out of the country, contact us before leaving to inquire about which countries and how to enable usage. Please read the following carefully and keep these Terms and Conditions for your records as they set out the Agreement between you and us. You will be deemed to have accepted the Card and the terms of this Agreement if you do any of the following: (a) use the Card or (b) activate the Card. Please sign the back of your Prepaid Card using your usual signature immediately upon receipt. You must be a resident of the U.S. to purchase the Card. The minimum value that can be prepaid is $25. Using Your Card The VISA Card is a prepaid, reloadable stored-value card. It is neither a credit card, nor a NCUA insured deposit account. This card is issued by VyStar Credit Union; pursuant to a license from Visa U.S.A, Inc. Your Card allows you to access your prepaid funds at ATMs which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The maximum value that can be loaded initially to the Card is limited to $500.00, and no more than $1000 can be available for use on the Card at any one time. A maximum of $500.00 can be loaded at one time, with a maximum amount of 8 loads in a rolling 30 days. Activate your Card by calling toll-free, 0-000-000-0000 or visit us online at xxx.xxxxxxxx.xxx. You will be required, for validation purposes, to provide personal information. During activation you will be given a PIN. You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at ACCEL merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card after activation. The Card is non-transferable. Please do not give your Card to anyone else to use. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. If for any reason your purchase exceeds the available balance you will be required to reload funds immediately or you may be subject to an overdraft fee. Some ACCEL and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card to pre-authorize a hotel reservation, any amount requested in a pre- authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If thirty days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental businesses likewise add 15% to the rental to allow for any additional expenses, and mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be the same as the final bill. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card.25.00
Appears in 1 contract
Samples: servicecu.org
Ownership and Use of the Card. The Card is and will remain our property. However, you will be solely and completely responsible for the possession, use and control of the Card. You must surrender the Card to us immediately upon request. The Card may not be used for Internet lottery, betting, or gambling transactions or for any illegal transactions. This Our Visa Prepaid Card can be purchased by anyone that has a valid debit or credit card registered in his or her name. The individual purchasing the card is intended defined as the primary cardholder. The address listed for students ages 13 the primary cardholder must match the billing address for the debit/credit card used to 26purchase the International Prepaid Card. Once you reach the age of 26Personalized primary cardholders can order online up to “four” personalized secondary cards for family members or companions. When purchasing a secondary card for a young person with no card experience, you will be notified by letter that your card will be closed at the end sure to go over all of the month in which your card expiresmaterials that accompany the card. Before using the Card You must activate the Personalized Card by calling the number indicated on the sticker on the front of your Card, or signing on to our secure website. Non Personalized Cards are activated upon load. Remember to sign the reverse back of the Card. Write down your Card number and the Customer Service Number on a separate piece of paper in case the Card is ever lost or stolen. At the time of activation, for your protection and for regulatory purposes, we may request, and you agree to provide, some additional identification verification information such as your home phone number, date of birth, social security number and zip code. We may use this data for a range of purposes, including but not limited to facilitating refunds if your Card is lost or stolen, enhancing usage at merchants that may require zip code authorization, and aiding in collection efforts in the event of a Shortageshortage, as defined herein. We will hold your information in confidence in accordance with the section below entitled "Privacy". If you do not wish to provide the data, or if the data you provide us cannot be appropriately verified, we reserve the right to cancel your Card and reimburse you for the Initial Load Amount. For security reasons, some countries may be blocked from access. If you are traveling out of the country, contact us before leaving to inquire about which countries and how to enable usage. Please read the following carefully and keep these Terms and Conditions for your records as they set out the Agreement between you and us. You will be deemed to have accepted the Card and the terms of this Agreement if you do any of the following: (a) use the Card or (b) activate the Card. Please sign the back of your Prepaid Card using your usual signature immediately upon receipt. You must be a resident of the U.S. to purchase the Card. The minimum value that can be prepaid is $25. Using Your Card The VISA Card is a prepaid, reloadable stored-value card. It is neither a credit card, nor a NCUA insured deposit account. This card is issued by VyStar Credit Union; pursuant to a license from Visa U.S.A, Inc. Your Card allows you to access your prepaid funds at ATMs which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The maximum value that can be loaded initially to the Card is limited to $500.00, and no more than $1000 can be available for use on the Card at any one time. A maximum of $500.00 can be loaded at one time, with a maximum amount of 8 loads in a rolling 30 days. Activate your Card by calling toll-free, 0-000-000-0000 or visit us online at xxx.xxxxxxxx.xxx. You will be required, for validation purposes, to provide personal information. During activation you will be given a PIN. You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at ACCEL merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card after activation. The Card is non-transferable. Please do not give your Card to anyone else to use. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. If for any reason your purchase exceeds the available balance you will be required to reload funds immediately or you may be subject to an overdraft fee. Some ACCEL and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card to pre-authorize a hotel reservation, any amount requested in a pre- authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If thirty days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental businesses likewise add 15% to the rental to allow for any additional expenses, and mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be the same as the final bill. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card10.00.
Appears in 1 contract
Samples: questfcu.com
Ownership and Use of the Card. The Card is and will remain our property. However, you will be solely and completely responsible for the possession, use and control of the Card. You must surrender the Card to us immediately upon request. The Card may not be used for Internet lottery, betting, or gambling transactions or for any illegal transactions. This card is intended for students ages 13 to 26. Once you reach the age of 26, you will be notified by letter that your card will be closed at the end of the month in which your card expires. Before using the Card You must activate the Card by calling the number indicated on the sticker on the front of your Card, Card or signing on to our secure website. Non-Personalized Cards are activated upon load; however it is recommended that you register your card by signing on to our secure website. Remember to sign the reverse of the Card. Write down your Card number and the Customer Service Number on a separate piece of paper in case the Card is ever lost or stolen. At the time of activation, for your protection and for regulatory purposes, we may request, and you agree to provide, some additional identification verification information such as your home phone number, date of birth, social security number and zip code. We may use this data for a range of purposes, including but not limited to facilitating refunds if your Card is lost or stolen, enhancing usage at merchants that may require zip code authorization, authorization and aiding in collection efforts in the event of a Shortage, as defined herein. We will hold your information in confidence in accordance with the section below entitled "Data Protection and Privacy". If you do not wish to provide the data, or if the data you provide us cannot be appropriately verified, we reserve the right to cancel your Card and reimburse you for the Initial Load Amount. Please read the following carefully and keep these Terms and Conditions for your records as they set out the Agreement between you and us. You will be deemed to have accepted the Card and the terms of this Agreement if you do any of the following: (a) use the Card or (b) activate the Card. Please sign the back of your Prepaid Travel Card using your usual signature immediately upon receipt. You must be a resident of the U.S. to purchase the Card. The minimum value that can be prepaid is $25. Using Your Card The VISA Travel Card is a prepaid, reloadable stored-value card. It is neither a credit card, nor a NCUA insured deposit account. This card is issued by VyStar Ridgedale Federal Credit Union; pursuant to a license from Visa U.S.A, Inc. Your Card allows you to access your prepaid funds at ATMs ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The card may not be used at some merchants including non-financial money exchange establishments and gambling establishments. The maximum value that can be loaded initially credited to the Travel Card on issue is limited to $500.005000.00, and no more than $1000 5000.00 can be available for use on the Card at any one time. A maximum of $500.00 can be loaded at one time, with a maximum amount of 8 loads in a rolling 30 days. Activate your Card by calling toll-free, 0-000-000-0000 or visit us online at xxx.xxxxxxxx.xxx0000. You will be required, for validation purposes, to provide personal information. During activation you will be given a PIN. You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at ACCEL Interlink merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card after activation. The Card is non-transferable. The person who purchases the Card is the only person authorized to use the Card. Please do not give your Card to anyone else to use. You may request four additional Cards when you order your Card for any user you authorize which will have to be separately activated and which can be used in the same way as the Card at ATMs and merchants that accept VISA debit cards. You are responsible for all authorized transactions made with this additional Card. Only the primary cardholder can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. If for any reason your purchase exceeds the available balance you will be required to reload funds immediately or you may be subject to an overdraft fee. Some ACCEL Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. When you use your Card at an automated gas station pump you will require a minimum of $75 available credit on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require of minimum credit of $15. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card to pre-authorize a hotel reservation, reservation any amount requested in a pre- pre-authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If thirty five days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental businesses likewise add 15% to the rental to allow for any additional expenses, expenses and mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be the same as the final bill. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card, which will be not less than 24 months after you purchased the Card. The Card is our property property, and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card Card, and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. For Your Safety When Using an ATM, Please Observe the Following If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction, and then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. Card Activity Information You can review your Card balance and the last 5 transactions activity records by calling toll-free 0-000-000-0000 or by visiting on the Visa Gift and Travel cards page at xxx.XxxxxxxxxXXX.xxx where full details can be located on the Visa Gift and Travel card page. All transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your Ridgedale Federal Credit Union VISA Travel Card account number and some of the information requested when you ordered the Card are required for authentication. Card Reloading You can add value of at least $25 on your Travel Card by making a payment at your local Ridgedale Federal Credit Union branch. Please bear in mind the number of loads on a non-personalized card is limited to four including the initial load. You can also add value on the Visa Gift and Travel cards page at xxx.XxxxxxxxxXXX.xxx or by calling toll free 0-000-000-0000 by initiating funds transfer from your designated funding account. Funds may not be available for immediate use after you have initiated the transfer. ATM Usage The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit of $500 or 5 withdrawals per 24-hour period. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. In addition to our ATM withdrawal fee described below, an additional fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Travel Card Account Fees and Charges Additional Card Fee - $4.95. Card Fee - $5.95 if a member and ordered from a local branch and $8.95 plus shipping as advised when ordering on the telephone or online. Reload Fee - $2.00 to reload value onto your Visa Travel Card. (Please remember non- Personalized cards are limited to 4 reloads included the initial value load.) ATM Fee - There is a $.00 ATM withdrawal fee per ATM withdrawal in the US and $.00 elsewhere in the world. Bank Cash Advance Fee - There is a $0.00 fee per withdrawal in the US and elsewhere in the world. Account Maintenance Fee - You will be charged a fee of $2.50 each month, beginning on the 13th month of inactivity on the Card, if there is a balance remaining on the Card. Overdraft Fees - In the event your Card has a negative balance, you will pay us on demand the debit balance and you may be charged a $0.00 fee.
Appears in 1 contract
Samples: ridgedalefcu.org
