Electronic Funds Transfers Agreement Sample Contracts

ELECTRONIC FUNDS TRANSFERS AGREEMENT AND DISCLOSURES
Electronic Funds Transfers Agreement • July 2nd, 2020

This section applies to payment orders and funds transfers governed by the Electronic Fund Transfer Act. When you enroll in online or mobile banking or other services, we will provide you the applicable agreements that govern the use of those services (“Online Services”). You agree that these terms shall apply to these other services except where those other agreements expressly provide other or contrary terms.

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ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE
Electronic Funds Transfers Agreement • July 11th, 2020 • Idaho

This Electronic Funds Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic fund transfers (EFT) services offered to you by Pine Tree Community Credit Union (“Credit Union”, “PTCCU”). In this Agreement, the words “you,” “your,” and “yours” mean those who sign the application or account card as applicants, joint owners, or any authorized users. The words “we,” “us,” and “our” mean the Credit Union. The word “account” means any on (1) or more share and share draft accounts you have with the Credit Union. Electronic fund transfers are electronically initiated transfers of money from your account through the EFT services described below. By signing an application or account card for EFT services, signing your card or using any services, each of you, jointly and severally, agree to the terms and conditions in this Agreement and any amendments for the EFT services offered.

Electronic Funds Transfers Agreement and Disclosures
Electronic Funds Transfers Agreement • June 13th, 2016

This Agreement defines your and the Credit Union's rights and responsibilities with respect to transactions. You understand that all agreements and rules and regulations applicable to your accounts and account services, as set forth in the Terms and Conditions for Credit Union accounts and otherwise, remain in effect and apply to this Agreement, except as specifically modified for Electronic Funds Transfers. You agree to abide by this Agreement, and all rules, regulations and instructions of the Credit Union and the networks relating to electronic or remote access, as amended, modified or revoked. The Credit Union may not offer all services discussed in this Agreement at this time. Transactions on your account may also be governed by agreements with third parties including but not limited to NACHA’s (The National Automated Clearing House Association) Operating Rules and VISA® Operating Rules together with the Rules of any Networks through which your transaction(s) may be processed, whi

ELECTRONIC FUNDS TRANSFERS AGREEMENT AND DISCLOSURES
Electronic Funds Transfers Agreement • July 16th, 2009

separate application, you can arrange to transfer funds from your accounts to the account(s) of other members; (3) Direct Deposits and Payments: You can authorize persons or companies to make direct deposits or withdrawals to or from your share or checking accounts for payroll, pension, social security and other types of deposits or payments. You may give other persons or companies written or oral permission to transfer payments from your Credit Union accounts through “ACH” or other electronic means. Such agreements or arrangements are solely between you and the other person or company. The Credit Union shall have no responsibility or liability to you for any such transactions. Thus, you should exercise caution in providing such authority and/or information to access your accounts to others. The authority or information you give to others hereunder applies to all “ACH” or other electronic transactions, whether evidenced by any type or writing or converted to a written instrument by the

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE
Electronic Funds Transfers Agreement • March 9th, 2021

The Electronic Funds Transfers (EFT) offered by University of Michigan Credit Union (“we”, “us”, “Credit Union” or “UMCU”) are indicated below, some of which may not apply to your account. Please read this disclosure carefully because it describes your rights and obligations for these transactions. You should keep this notice for future reference. Unless otherwise noted Savin gs account refers to Share Savings, Savings Plus and Money Market accounts. In this Agreement, the words “you”, “your”, and “yours” means the account holder authorized by the Credit Union or who is authorized by the account holder to use the account.

Electronic Funds Transfers Agreement and Disclosure (February 2012)
Electronic Funds Transfers Agreement • March 15th, 2012 • Missouri

This Electronic Funds Transfers Agreement is the contract which covers your and our rights and responsibilities concerning the electronic funds transfer (EFT) services offered to you by Northwest Missouri Regional Credit Union. In this Agreement the words “we”, “us”, “our”, or the “Credit Union” refer to Northwest Missouri Regional Credit Union; the words “you”, “your”, and “yours” refer to the member, joint owner, or any authorized users. The word “account” means any one (1) or more accounts you have with the Credit Union. Electronic fund transfers are electronically initiated transfers of money from your account through the EFT services described below. By signing an application or account card for EFT services, signing your card, or using any service, each of you, jointly and severally, agree to the terms and conditions in this Agreement and any amendments for the EFT services offered.

ARROWPOINTE FEDERAL CREDIT UNION ELECTRONIC FUNDS TRANSFERS AGREEMENT AND DISCLOSURES
Electronic Funds Transfers Agreement • July 17th, 2009
VERITY CREDIT UNION ELECTRONIC FUNDS TRANSFERS AGREEMENT AND DISCLOSURES
Electronic Funds Transfers Agreement • November 19th, 2014 • Washington

This Agreement is the contract that covers your and our rights and responsibilities concerning electronic fund transfer (EFT) services offered to you by Verity Credit Union (“Credit Union”). In this Agreement, the words “you” and “Yours” mean those who sign or transmit an application and any authorized users. The words “we,” “us,” and “our” mean the Verity Credit Union. The word “account” means any one or more deposit accounts you have with the Credit Union. By transmitting any online authorization, signing the Account Card or signing or using a Check Card, ATM Card, Telephone Teller or Home Banking service, each of you, jointly and severally, agree to the terms and conditions in this Agreement, and any amendments.

COLUMBIA CREDIT UNION ELECTRONIC FUNDS TRANSFERS AGREEMENT AND DISCLOSURE
Electronic Funds Transfers Agreement • July 26th, 2012 • Washington

This Agreement is the contract which covers your and our rights and responsibilities concerning Electronic Fund Transfer (EFT) services offered to you by Columbia Credit Union (“Credit Union”). In this Agreement, the words “you” and “yours” mean those who sign the application as applicants, or joint owners, or sign a card or use an electronic funds transfer service, or any authorized users. The words “we,” “us,” and “our” mean the Columbia Credit Union. The word “account” means any one or more deposit accounts you have with the Credit Union. By signing the Account Card, signing or using a Cash Card or Debit Card, submitting your online acceptance below, or using the automated telephone access service or online banking services, each of you, jointly and severally, agree to the terms and conditions in this Agreement, and any amendments.

Electronic Funds Transfers Agreement and Disclosures
Electronic Funds Transfers Agreement • July 10th, 2020

This section applies to payment orders and funds transfers governed by the Electronic Fund Transfer Act. When you enroll in online or mobile banking or other services, we will provide you the applicable agreements that govern the use of those services (“Online Services”). You agree that these terms shall apply to these other services except where those other agreements expressly provide other or contrary terms. If you have any questions regarding electronic banking transactions or believe that an unauthorized transaction has occurred, please call the Credit Union at the number provided in the Rate and Fee Schedule or write us at the address provided in the Rate and Fee Schedule.

ELECTRONIC FUNDS TRANSFERS AGREEMENT AND DISCLOSURE
Electronic Funds Transfers Agreement • July 15th, 2010

This Agreement is the contract which covers your and our rights and responsibilities concerning electronic fund transfer (EFT) services offered to you by Power Financial Credit Union ("Credit Union"). In this Agreement, the words "you" and "yours" mean those who sign the application as applicants, joint owners or any authorized users. The words "we," "us," and "our" mean the Power Financial Credit Union. The word "account" means any one or more deposit accounts you have with the Credit Union. By signing the Account Card or signing or using a VISA Check Card, Simon Says audio response service, or SecureLink Internet Home Banking service, each of you, jointly and severally, agree to the terms and conditions in this Agreement, and any amendments.

ELECTRONIC FUNDS TRANSFERS AGREEMENT AND DISCLOSURE
Electronic Funds Transfers Agreement • July 27th, 2020 • Washington

This Agreement is the contract which covers your and our rights and responsibilities concerning electronic fund transfer (EFT) services offered to you by O Bee Credit Union ("Credit Union"). In this Agreement, the words "you" and "yours" mean those who sign the application as applicants, joint owners or any authorized users. The words "we," "us," and "our" mean the O Bee Credit Union. The word "account" means any one or more deposit accounts you have with the Credit Union. By signing the Account Card or signing or using a Visa ATM or Debit Card (“Visa Card”), audio response services (“TellerPhone”), Online Banking or Mobile Banking service, each of you, jointly and severally, agree to the terms and conditions in this Agreement, and any amendments.

DIVERSIFIED CREDIT UNION ELECTRONIC FUNDS TRANSFERS AGREEMENT AND DISCLOSURE
Electronic Funds Transfers Agreement • May 8th, 2018 • Minnesota

This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic fund transfers (EFT) services offered to you by Diversified Credit Union ("Credit Union"). In this Agreement, the words "you," "your," and "yours" mean those who sign the application or account card as applicants, joint owners, or any authorized users. The words "we," "us," and "our" mean the Credit Union. The word "account" means any one (1) or more share, savings, and Miscellaneous Share accounts you have with the Credit Union. Electronic fund transfers are electronically initiated transfers of money from your account through the EFT services described below. By signing an application or account card for EFT services, signing your card, or using any service, each of you, jointly and severally, agree to the terms and conditions in this Agreement and any amendments for the EFT services offered. Furthermore, electronic fund transfers tha

ELECTRONIC FUNDS TRANSFERS AGREEMENT AND DISCLOSURES
Electronic Funds Transfers Agreement • September 14th, 2010

This definition is intended to be construed broadly and includes without limitation all users acting under a written document such as a power of attorney as well as any person or entity that is authorized to make deposits or debits to or from your accounts with us.

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE
Electronic Funds Transfers Agreement • April 14th, 2023

The Electronic Funds Transfers (EFT) offered by University of Michigan Credit Union (“we”, “us”, “credit Union” or “UMCU”) are indicated below, some of which may not apply to your account. Please read this disclosure carefully because it describes your rights and obligations for these transactions. You should keep this notice for future reference. Unless otherwise noted Savings account refers to Share Savings, Savings Plus and Money Market accounts. In this Agreement, the words “you”, “your”, and “yours” means the account holder authorized by the Credit Union or who is authorized by the account holder to use the account.

Electronic Funds Transfers (EFT) Agreement/Disclosure
Electronic Funds Transfers Agreement • September 16th, 2013 • Connecticut

This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic fund transfers (EFT) services offered to you by Lawrence Memorial Hospital Employees Federal Credit Union (“Credit Union”). In this Agreement, the words “you,” “your,” and “yours” mean those who sign the application or account card as applicants, joint owners, or any authorized users. The words “we,” “us,” and “our” mean the Credit Union. The word “account” means any one (1) or more share accounts you have with the Credit Union. Electronic fund transfers are electronically initiated transfers of money from your account through the EFT services described below. By signing an application or account card for EFT services, signing your card, or using any service, each of you, jointly and severally, agree to the terms and conditions in this Agreement and any amendments for the EFT services offered.

ELECTRONIC FUNDS TRANSFERS AGREEMENT AND DISCLOSURES
Electronic Funds Transfers Agreement • July 22nd, 2014
AMERICAN AIRLINES FEDERAL CREDIT UNION ELECTRONIC FUNDS TRANSFERS AGREEMENT AND DISCLOSURE
Electronic Funds Transfers Agreement • July 14th, 2023

This Electronic Funds Transfers Agreement and Disclosure (“Agreement”) is req uired by Reg ulation E, issued by the Bureau of Consumer Financial Protection pursuant to the Electronic Fund Transfers Act. In this Agreement, the words “you” “your” and “Party” refer to any person to whom a Credit Union ATM Card or Visa Debit Card (collectively, “Card”) is issued, any person to whom a Personal Identification Number or password (both of which are collectively referred to in this Agreement as a “PIN”) is issued in connection with any such Card or other electronic fund transfer service, any person authorized to use or given access to use to any such Card or PIN, and any owner on any Credit Union Account which may be accessed by the Card or the PIN. The words “we,” “us,” and “our” refer to the Credit Union. This Agreement establishes your rights, liabilities and respo nsibilities with reg ard to the use of your Credit Union automated teller machine card (ATM Card), Debit Card (“Visa Debit Card”

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