Using Your Debit Card Sample Clauses

Using Your Debit Card. You may use your Debit Card to make one-time and recurring Debit Card Transactions, to withdraw cash at ATMs, and to check your Account balance at participating ATMs. Debit Card Transactions that exceed the Available Balance of your Account may be declined at the point of sale or ATM. American Express® Debit Cards and American Express credit cards are different payment mechanisms that are not linked. Negative Balances in your Rewards Checking Account will not be transferred to or paid by your credit card account. Your American Express credit cards may not be used to make Debit Card Transactions. You may make Foreign Currency Debit Card Transactions from your Account that are paid in currencies other than U.S. Dollars. We will charge you a fee for this service as detailed in this Checking Schedule (please note, effective July 18, 2024, this fee will be temporarily suspended until further notice). Foreign Currency Debit Card Transactions out of your Account are paid to the recipient of the transaction in the specified foreign currency and your Account is debited the equivalent amount in U.S. Dollars based on a currency conversion rate selected by American Express. American Express’s affiliate, AE Exposure Management Ltd. (“AEEML”), converts the amount to be paid in the foreign currency into U.S. Dollars on the date we or our agents process the currency conversion. Unless a particular rate is required by law, AEEML will choose a conversion rate that is acceptable to us for the relevant date. The rate AEEML uses will be no more than the highest official rate published by a government agency or the highest interbank rate AEEML identifies from customary banking sources on the conversion date or the prior Business Day. This conversion rate may differ from the rates that are in effect on the date of your transaction. We charge a Foreign Exchange Fee for transactions paid in any currency other than U.S. Dollars. This fee will be applied in addition to the funds debited against your Account for payment of the transaction in the foreign currency. Foreign Currency Debit Card Transactions are not available in all currencies and the currencies for which foreign currencies may be paid may change at any time at our discretion. An authorization hold is a restriction that we place on funds in your Account that decreases your Available Balance in order to maintain sufficient funds in your Account to settle transactions that you make with your Debit Card. When you make a Debi...
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Using Your Debit Card. In order to assist us in maintaining the security of your account and the terminals, the Debit Card remains our property and may be revoked or canceled at any time without giving you prior notice. You agree not to use your Debit Card for a transaction that would cause your account balance to go below zero, or to access an account that is no available or lacks sufficient funds to complete the transaction, including any available line of credit. We will not be required to complete any such transaction, but if we do, we may, at our sole discretion, charge or credit the transaction to another account; you agree to pay us the amount of the improper withdrawal or transfer upon request.
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Using Your Debit Card. You must sign each Debit Card immediately upon receipt. You may be required to activate your Debit Card before it can be used. We may issue Debit Cards to renew your current Debit Card at expiry or replace it with a different card type if your current Debit Card type is discontinued or for other reasons. You may use your Debit Card to make purchase Transactions where accepted by Merchants and in the manner permitted by such Merchants. In some cases, you may select the Account to be used for a Transaction by selecting either 'Chequing' or 'Savings'. In other cases, the electronic device processing the Transaction may automatically select the Account in the 'Chequing' position on the Debit Card or, if an Account is not present in the 'Chequing' position, the Account in the 'Savings' position will be used if present or if neither is present the Account in the 'Other' position may be used. You acknowledge that in such other cases, you are still responsible for any fees, interest charges and amounts borrowed (if the Account is a line of credit Account or has overdraft protection) or incurred as a result of the Transaction. You must not use your Debit Card for any illegal purpose, including the purchase of any goods and/or services prohibited by applicable local law. You agree not to use your Debit Card after the expiry date embossed on the Debit Card.
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Using Your Debit Card 
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Related to Using Your Debit Card

  • Using Your Card You understand that the use of your credit card or credit card account will constitute acknowledgement of receipt and agreement to the terms of the Credit Card Agreement and Credit Card Account Opening Disclosure (Disclosure). You may use your card to make purchases from merchants and others who accept your card. The credit union is not responsible for the refusal of any merchant or financial institution to honor your card. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. In addition, you may obtain cash advances from the Credit Union, from other financial institutions that accept your card, and from some automated teller machines (ATMs). (Not all ATMs accept your card.) If the credit union authorizes ATM transactions with your card, it will issue you a personal identification number (PIN). To obtain cash advances from an ATM, you must use the PIN issued to you for use with your card. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Even if you use your card for an illegal transaction, you will be responsible for all amounts and charges incurred in connection with the transaction. If you are permitted to obtain cash advances on your account, you may also use your card to purchase instruments and engage in transactions that we consider the equivalent of cash. Such transactions will be posted to your account as cash advances and include, but are not limited to, wire transfers, money orders, bets, lottery tickets, and casino gaming chips, as applicable. This paragraph shall not be interpreted as permitting or authorizing any transaction that is illegal.

  • USING YOUR ACCOUNT If you are approved for an account, the Credit Union will establish a line of credit for you. You agree that your credit limit is the maximum amount (purchases, cash advances, finance charges, plus "other charges") which you will have outstanding on your account at any time. Unless disclosed otherwise, the Credit Union will not allow advances over the credit limit. If the Credit Union has a program whereby it allows payment of advances that exceed your credit limit, subject to a fee, the Credit Union will provide you with notice, either orally, in writing, or electronically (notwithstanding the requirements of the paragraph entitled “Statements and Notices”) explaining your right to opt in to the Credit Union’s program whereby it will honor advance requests over the credit limit. In the event you opt in to such a program, you agree to the terms of such a program. You may request an increase in your credit limit only by a method acceptable to the Credit Union. The Credit Union may increase or decrease your credit limit, refuse to make an advance and/or terminate your account at any time for any reason not prohibited by law. If you are permitted to obtain cash advances on your account, we may, from time to time, issue convenience checks to you that may be drawn on your account. Convenience checks may not be used to make a payment on your account balance. If you use a convenience check, it will be posted to your account as a cash advance. We reserve the right to refuse to pay a convenience check drawn on your account for any reason and such refusal shall not constitute wrongful dishonor.

  • Visa Debit Card If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your share draft account. For ATM and one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges.

  • Debit Card If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your share draft account. For ATM and one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges.

  • Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true:

  • Closing Your Account Unless an agreement relating to a particular product or service says otherwise, you can close your Account at any time provided that you first settle any debit balance owing.

  • Credit Card If you choose to pay by credit card, you will be prompted to provide your credit card information and will be presented with a screen that reflects the amount of your subscription, the amount of fees that would be charged by the credit card issuer for the transaction and the total amount payable.

  • Direct Debit (PRE-BILLING). (a) The Borrower agrees that the Bank will debit the Borrower's deposit account number 12331-16650, or such other of the Borrower's accounts with the Bank as designated in writing by the Borrower (the "Designated Account") on the date each payment of principal and interest and any fees from the Borrower becomes due (the "Due Date"). If the Due Date is not a banking day, the Designated Account will be debited on the next banking day. (b) Approximately 10 days prior to each Due Date, the Bank will mail to the Borrower a statement of the amounts that will be due on that Due Date (the "Billed Amount"). The calculation will be made on the assumption that no new extensions of credit or payments will be made between the date of the billing statement and the Due Date, and that there will be no changes in the applicable interest rate. (c) The Bank will debit the Designated Account for the Billed Amount, regardless of the actual amount due on that date (the "Accrued Amount"). If the Billed Amount debited to the Designated Account differs from the Accrued Amount, the discrepancy will be treated as follows: (i) If the Billed Amount is less than the Accrued Amount, the Billed Amount for the following Due Date will be increased by the amount of the discrepancy. The Borrower will not be in default by reason of any such discrepancy. (ii) If the Billed Amount is more than the Accrued Amount, the Billed Amount for the following Due Date will be decreased by the amount of the discrepancy. Regardless of any such discrepancy, interest will continue to accrue based on the actual amount of principal outstanding without compounding. The Bank will not pay the Borrower interest on any overpayment. (d) The Borrower will maintain sufficient funds in the Designated Account to cover each debit. If there are insufficient funds in the Designated Account on the date the Bank enters any debit authorized by this Agreement, the debit will be reversed.

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  • PAYING YOUR BILL 10.1 What you have to pay

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