Using Your Card for International Transactions. Visa: You may use your Card for retail Purchases at foreign merchants and for cash withdrawals from foreign ATMs. Some merchant and ATM transactions, even if you and/or the merchant or ATM are located in the United States, are considered foreign transactions under the applicable rules, in which case we will add the Foreign Transaction Fee INTEREST CHARGE described in the addendum to those transactions. We do not control how these merchants, ATMs, and transactions are classified for this purpose. The exchange rate in effect when the transaction is processed may differ from the rate in effect on the date of the transaction or the date of the posting of the transaction to your Account. If you use your Card at a merchant or an ATM that bears the Visa logo (and no PLUS System logo), the transaction will be processed through the Visa system and will be converted to U.S. Dollars according to the applicable rules established by Visa from time to time. Currently, the currency conversion rate used by Visa to determine the foreign currency transaction amount in U.S. Dollars is determined by multiplying the amount of the foreign currency transaction times (a) a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or (b) the government-mandated rate in effect for the applicable central processing date. If your foreign transaction is in foreign currency prior to being processed by Visa, we will add a Foreign Transaction Fee INTEREST CHARGE of up to 3.00% of the Purchase transaction or up to 3.00% of the ATM transaction. If your foreign transaction is in or converted to U.S. Dollars prior to being processed by Visa, we will add a Foreign Transaction Fee INTEREST CHARGE of up to 3.00% of the Purchase transaction or up to 3.00% of the ATM transaction. If you use your Card at an ATM that bears only the PLUS System logo (and no Visa logo), the transaction will be processed through the PLUS System and will be converted into U.S. Dollars at the exchange rate established, from time to time, by the operator of that ATM. To the converted transaction we will not add a Foreign Transaction Fee INTEREST CHARGE. If you use your Card at an ATM that bears both the Visa and PLUS System logos, the ATM operator will determine whether to send your transaction over the Visa or PLUS System network using such network's respective currency conversion rules then in...
Using Your Card for International Transactions. You may use your Card for Purchases at foreign merchants and for cash withdrawals from foreign ATMs that display the American Express logo. (To find your nearest ATM please visit xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxxx.) If you make a charge or cash withdrawal in a foreign currency, American Express will convert it into U.S. Dollars on the date that American Express or American Express’ agents process it, which may be different than the date of the transaction. Unless a particular rate is required by law, the rate American Express uses to convert transactions in foreign currencies to U.S. Dollars is no more than the highest official rate published by a government agency or the highest interbank rate from customary banking sources on the conversion date or the prior business day. This rate may differ from the rates that are in effect on the date of your charge or withdrawal. Charges that are converted directly by a merchant (such as airlines) will be at the rates they use. If your transaction is in a foreign currency, we will add a Foreign Transaction Fee INTEREST CHARGE of up to 3% of the Purchase transaction or up to 3% of the ATM transaction. If you make a transaction in U.S. Dollars outside the United States (including charges made from websites outside the United States), we will add a Foreign Transaction Fee INTEREST CHARGE of up to 3% of the Purchase transaction or up to 3% of the ATM transaction.
Using Your Card for International Transactions. If you use your Card to obtain cash or to purchase goods or services in another country, the amount of the charge in foreign currency (i.e., any currency other than U.S. dollars) will be converted to a U.S. dollar amount by the applicable network (e.g., Visa, Mastercard, etc.). In making this conversion, the network will use the procedures set forth in its operating regulations. Conversion to U.S. dollars may occur on a date other than the date of the transaction; therefore, the currency conversion rate may be different from the conversion rate in effect on the transaction date. You understand that we do not determine the currency conversion rate that is used, and we do not receive any portion of the currency conversion rate. Each of these transactions will be subject to a Foreign Transaction Surcharge as set forth in the Schedule of Account Fees and Terms below.
Using Your Card for International Transactions. You may use your Credit Union Debit Card or ATM card for retail purchases with international merchants, for international cash advances and all transactions performed at international ATMs that bear any of the network logos found on your card. A 1.00% International Transaction Fee will be assessed on all transactions where the merchant country differs from the country of the card. We may block transactions in certain foreign countries. Call us at the number printed on the back of your access devices or as set forth in the Rate and Fee Schedule for more information. Some merchant and ATM transactions, even if you and/or the merchant or ATM are located in the United States, are considered international transactions under the applicable network rules, in which case we will add International Processing Fees to those transactions. Credit Union does not control how these merchants, ATMs and transactions are classified for this purpose. If the transaction requires a currency conversion, the exchange rate in effect when processed may differ from the rate in effect on the date of the transaction or the date of the posting to your Account.
Using Your Card for International Transactions. Prior to traveling out of the country, please contact us at 000.000.0000 or 800.843.5295 to notify us of your plans. If a suspicious transaction or a transaction out of your normal spending pattern appears, it is possible that your debit card could be blocked. Please contact us so we can notate your account(s). You may use your Credit Union Debit Card for retail purchases with international merchants, for international cash advances and all transactions performed at international ATMs that bear any of the network logos found on your card. Some merchant and ATM transactions, even if you and/or the merchant or ATM are located in the United States, are considered international transactions under the applicable network rules, in which case we will add International Processing Fees to those transactions. Credit Union does not control how these merchants, ATMs, and transactions are classified for this purpose. If the transaction requires a currency conversion, the exchange rate in effect when processed may differ from the rate in effect on the date of the transaction or the date of the posting to your Account. Transactions processed through the Mastercard® system will be converted according to the applicable rules established by Mastercard®. The foreign currency transaction will be converted to U.S. Dollars by multiplying the amount of the foreign currency times (a) a rate selected by Mastercard® from the range of rates available in wholesale currency markets for the
Using Your Card for International Transactions. You may use your Credit Union Debit Card for retail purchases with international merchants, for international cash advances and all transactions performed at international ATMs that bear any of the network logos found on your card. We may block transactions in certain foreign countries. Some merchant and ATM transactions, even if you and/or the merchant or ATM are located in the United States, are considered international transactions under the applicable network rules, in which case we will add International Processing Fees to those transactions. The Credit Union does not control how these merchants, ATMs and transactions are classified for this purpose. If the transaction requires a currency conversion, the exchange rate in effect when processed may differ from the rate in effect on the date of the transaction or the date of the posting to your Account.
Using Your Card for International Transactions. Prior to traveling out of the country, please contact us at 000.000.0000 or 800.843.5295 to notify us of your plans. If a suspicious transaction or a transaction out of your normal spending pattern appears, it is possible that your debit card could be blocked. Please contact us so we can notate your account(s). You may use your Credit Union Debit Card for retail purchases with international merchants, for international cash advances and all transactions performed at international ATMs that bear any of the network logos found on your card. Some merchant and ATM transactions, even if you and/or the merchant or ATM are located in the United States, are considered international transactions under the applicable network rules, in which case we will add International Processing Fees to those transactions. Credit Union does not control how these merchants, ATMs, and transactions are
Using Your Card for International Transactions. You may use your Credit Union Debit Card or ATM card for retail purchases with international merchants, for international cash advances and all transactions performed at international ATMs that bear any of the network logos found on your card. Refer to the Rate and Fee Schedule for fee information. We may block transactions in certain foreign countries. Call us at the numbers at the end of this Agreement or as set forth in the Rate and Fee Schedule for more information. Some merchant and ATM transactions, even if you and/or the merchant or ATM are located in the United States, are considered international transactions under the applicable network rules, in which case we will add International Processing Fees to those transactions. Credit Union does not control how these merchants, ATMs and transactions are classified for this purpose. If the transaction requires a currency conversion, the exchange rate in effect when processed may differ from the rate in effect on the date of the transaction or the date of the posting to your Account.
Using Your Card for International Transactions. You may use your Credit Union Debit Card or ATM card for retail purchases with international merchants, for international cash advances and all transactions performed at international ATMs that bear any of the network logos found on your card. Refer to the Rate and Fee Schedule for fee information. We may block transactions in certain foreign countries. Call us at the numbers at the end of this Agreement, printed on the back of your access devices or as set forth in the Rate and Fee Schedule for more information. Some merchant and ATM transactions, even if you and/or the merchant
Using Your Card for International Transactions. You may use your Visa® Debit Card for retail purchases with international merchants, for international cash advances and all transactions performed at international ATMs that bear any of the network logos found on your card. We may block transactions in certain foreign countries. Call us at the number printed on the back of your Debit Card for more information. Some merchant and ATM transactions, even if you and/or the merchant or ATM are located in the United States, are considered international transactions under the applicable network rules, in which case we will add International Processing Fees to those transactions. The credit union does not control how these merchants, ATMs and transactions are classified for this purpose. If the transaction requires a currency conversion, the exchange rate in effect when processed may differ from the rate in effect on the date of the transaction or the date of the posting to your Account.
