Visa Debit Cards. Digital wallets Our obligation to you in relation to a digital wallet is limited to securely providing information to other providers (such as Apple or Google) in order to allow you to use your card through a digital wallet on a mobile device. You should always read the terms and privacy policy of a digital wallet provider, and make sure they are credible. Visa Debit card Limits The below daily limits apply to your card each day between 12am to 12am, AEST / AEDT. Daily ATM/ EFTPOS Withdrawal Limit Daily Visa Transaction Limit Standard daily limit $2,000 $10,000 Maximum daily limit You can request to change your daily limit by contacting us $5,000 $20,000 Merchants and other banks may set their own daily limits and restrictions on card use including transaction limits. We are not responsible for goods or services obtained by using a Visa Debit card unless we are responsible under the law. Cancelling your Visa Debit card You can cancel your card by giving us notice and confirming that you have destroyed your card. You can find more information on Visa Debit cards at xxxx.xxx.xx/xxxxx We will tell you if we cancel your card for any reason, and if appropriate, the reason. Visa Debit cards If you use your Visa Debit card: To make a purchase To make a payment by giving the person your card number and expiry date To withdraw cash We’ll place a hold on this money and it won’t be available for you to use (as this money is on hold and will be taken from your available balance), until the Pending Transaction is cleared for payment. That person is entitled to ask us to pay them from your account, we have to pay them and the left column will apply. We’ll take this money if it’s available in your account. Pending Transaction Pending Transaction occurs when a payment has been authorised but is still waiting for merchant confirmation. This amount is then deducted from your available balance, not your account balance. The transaction will show as pending on your account until the payment process is complete. Pending transactions generally take up to 3 -10 business days to process. If you let a merchant use your card for pre-authorised payments (such as a security deposit for a hotel booking or car hire), the money will be deducted from your available balance and the merchant can hold this money for up to 31 days. International transactions, AUD transactions or cash withdrawals in foreign currency Everyday Global Accounts International transactions and withdrawals in foreig...
Visa Debit Cards. Additional Limits on Liability for loss or theft. Unless you have been negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen Visa card. This additional limit on liability does not apply to ATM transactions outside of the U.S., to ATM transactions not sent over Visa or Plus networks, or to transactions using your Personal Identification Number which are not processed by Visa. Visa is a registered trademark of Visa International Service Association.
Visa Debit Cards. If you have a Visa Debit Card (“Visa Card”), you may use it to make purchases at merchants that accept Visa, and to obtain cash at ATMs displaying the Star or Plus logos. The Visa Card system works on a seven-day calendar week. Each day runs from 3:00 P.M. (EST) to 3:00 P.M. (EST) the following day. Provided that there are sufficient funds available in your account, you may withdraw up to $1,300 of cash; process $2,500 in purchases; and $200 in cash back transactions (in conjunction with purchases) per day. Alpine may change these limits in its sole discretion and without prior notice to you. In addition, merchants and ATM machines not owned or controlled by Alpine may have lower limits. There are no annual, monthly or transaction fees for the usage of your Visa Card. There may be a financial institution fee for obtaining a cash advance. The amount of any charge will be debited automatically from your account. Unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transactions made on your lost or stolen Visa Card. This additional limit on liability does not apply to any transactions that are not processed by Visa. Such transactions are subject to the Regulation E guidelines and liability limits previously discussed. You may not place a stop payment on any purchase transaction conducted with your Visa Card. You agree that you will not use your Visa Card for illegal gambling or any other illegal purpose. Display of a Visa logo does not necessarily mean that transaction(s) are lawful in all jurisdictions in which you may be located. We reserve the right to decline any illegal purpose and/or internet gambling transactions. If you use your Visa Card to engage in any activities that violate federal and/or state laws, you will nevertheless be liable for any resulting transaction(s) made by the use of your Visa Card. When you use your card for a transaction denominated in a currency other than U.S. dollars, the transaction amount will be converted into U.S. dollars by applying an exchange rate selected by Visa from among the range of rates available in wholesale currency markets or the government mandated rate one day prior to the applicable central processing date. The day processing date may be later than the date of your purchase. In addition an International Service Assessment fee of up to one percent (1%) may be applied to your transaction. Neither we nor any merchant authorized to honor the Visa Card wil...
Visa Debit Cards. If Your Card is a VISA Debit Card, in addition to Your ATM withdrawals as described above, You may also conduct POS (purchase) transactions. The daily limits for purchases with Your Visa Debit Card are determined by the length of time You have been a member. For the first six months of Your SFCU membership the daily purchase limit on Your card will be $1,000.00. After six months of membership, the daily purchase limit on Your card may be increased to $2,000.00. We may, at Our discretion, decrease Your purchase limit to $1,000.00, or to any lesser amount, if Your card becomes inactive or Your account does not remain in good standing. For example, if You have not used Your Visa Debit Card for 12 months or more, we will not raise Your purchase limit to $2,000.00. When you make a purchase using your VISA Debit Card, You Authorize Us to put a hold on the Account for the amount of the authorization requested (which may be more than the amount of the transaction). You authorize Us to hold the funds for the authorized amount for up to three business days. When the transaction clears, the funds will be debited from Your Account. International Check Card Transactions for international transactions in a foreign currency the exchange rate will be a rate selected by processor (VISA or MasterCard) from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate processor itself receives, or the government mandated rate in effect for the applicable central processing date. In addition an international transaction fee will be charged. This fee will be assessed on all international purchases, vouchers and cash disbursements. Depending upon the less than the amount stated in this section, You may not withdraw more than the total of Available Funds on that day. This limit applies to the total of withdrawals from Your Accounts, loan advances from Line One Line of Credit and the total POS transactions.
Visa Debit Cards. As a condition of opening certain checking accounts, you agree that we may automatically issue you a United Local Credit Union Visa debit card. However, you are not required to activate the debit card to keep your checking account open. You understand that a debit card is not a credit card and does not provide “credit” which means that you may not defer payment of debit card transactions. You can use your Visa debit card as follows: Participating Network Transactions: • Withdraw cash from your savings and checking accounts • Balance inquiries on your savings and checking accounts ATM Transactions at United Local Credit Union Proprietary ATMs (those owned and operated by United Local Credit Union): • Deposit cash or checks to your savings or checking accounts • Withdraw cash from your savings or checking accounts • Transfer funds between your savings and checking accounts • Check your balances on your savings and checking accounts Some of these services may not be available at all United Local Credit Union ATMs. Also, ATM services may be limited on certain ATMs which we do not own (non-proprietary), such as, for example, withdrawal limits. You can use your Visa debit card at participating merchants to: • Purchase goods and services at places that accept Visa debit cards. Purchases are debited from your checking account. If you have arranged with a merchant to make recurring payments, you must notify the merchant if your debit card number or expiration date has changed, or your debit card is closed. • Withdraw cash while making a purchase using your PIN if the merchant permits the cash-back option. At participating financial institutions to: • Withdraw funds at a teller. Withdrawals are debited from your checking account.
Visa Debit Cards. The City National Bank Visa Debit Card provides access to your funds at any point of sale terminal nationwide on the Visa/Plus, Mastercard/Cirrus, Accel, and Pulse networks. Your card will allow you to access the services listed below (some of these services may not be available at all terminals.) You must know your PIN to use your card. • Withdrawals of cash from your checking and savings accounts • Inquire about your checking and savings account balances • Transfer funds between your checking and savings accounts • Access your Overdraft Protection limit • Funds deposited at an ATM may not be available for immediate withdrawal. Please review the Funds Availability section for more information. The Bank will charge against your account all purchases made with your card. To obtain a Visa Debit Card, you may have to sign a new Visa Debit Card application. After approval, you may choose to get your card and select your PIN at one of our instant issue machines located in City National Bank branches. If you receive your Visa Debit Card in the mail, you will need to choose your PIN on the Automated Telephone Service at the time of activation. You may also bring the card to any one of the CNB branches to re-PIN the card. PAYMENT OF TRANSACTIONS FROM ACCOUNT; HOLD ON ACCOUNT
Visa Debit Cards. A Visa® debit card is available only to customers with checking accounts. A Visa® debit card lets you access your checking account by using the card, without writing a check. This Section E applies to all transactions for which you use Visa® debit card. When you sign your card and each time you use it, you agree to be bound by this Section E as amended from time to time. If you choose to have a Visa® debit card for your account rather than a Passcard, you will be provided with one or more Visa® debit cards for your account, and you will choose a Personal Identification Number (PIN). A Visa® debit card is for use only by the person named on the card and is non- transferrable. When your Visa® debit card expires, we may automatically issue you a new Visa® debit card. If we do not automatically issue a new Visa® debit card, you may request one. Your card must never be given to any other person. Your PIN must never be disclosed to any other person, and should not be written on the plastic card or carried with the card such as in a wallet. If you obtain a Visa® debit card, you will not be provided a Passcard for the applicable account. Use of your Visa® debit card together with your PIN shall have the same effect as your signature for authorizing transactions on your account. The Visa® debit card issued to you is property of the Bank. In our sole discretion, we may revoke or restrict your use of any Visa® debit card without notice. If we demand it, you will return your Visa® debit card to us. By signing, using or permitting another to use your Visa® debit card, you are agreeing to the card’s terms and conditions, including fees, charges and transaction limits.
Visa Debit Cards. Unless indicated otherwise in writing by us, if as of the effective date of this Agreement you hold a VISA debit card, your use thereof will continue to be subject to the terms and conditions of your agreement in respect thereof. SCHEDULE B REGULATION CC DISCLOSURES
