Debit Card - Wright-Patt Credit Union

een lost or stolen. Telephoning is the best way of keeping your possiblelosses down. You could lose all the money in your DesignatedAccounts, plus your maximum overdraft Line of Credit protection.If your Card has been lost or stolen, and you tell us within 2 businessdays after you learn of the loss, you can lose no more than $50.00 ifsomeone used your Card without your permission. If you do NOT tell uswithin 2 business days after you learn of the loss or theft of your Card,and we can prove we could have stopped someone from using yourCard without your permission if you had told us, you could lose as muchas $500.00.Also, if your statement shows transfers that you did not make, tell usat once. If you do not tell us within 60 days after the statement wasmailed to you, you may not get back any money you lost after the 60days if we can prove that we could have stopped someone from takingthe money if you had told us in time.If good reason (such as a long trip or a hospital stay) kept you fromtelling us, we will extend the time periods.This is a statement of your liability under federal law. Your liabilitymay be more limited in certain cases under applicable state law.Your liability for the unauthorized use of your Card at a Debit/POSmerchant is as follows: You will have zero liability for the unauthorizeduse of your Card provided: (1) you used reasonable care is safeguardingthe Card from risk of loss or theft; (2) you have not reported two ormore incidents of unauthorized use to the Credit Union in the immediatelypreceding 12 month period; and (3) your account is in good standing.In all other situations, the maximum liability for unauthorized transactionsat a Debit/POS merchant will be $50.00.If you believe that your Card has been lost or stolen or that someonehas transferred or may transfer money from your DesignatedAccounts without your permission, call (937) 912-7000 or (800) 762-0047, or write Wright-Patt Credit Union, Inc., P.O. Box 286, Fairborn,Ohio 45324, Attention: Error Resolution. After hours, you may call (800)523-4175.11. EVIDENCE. If we go to court for any reason, we can use a copy,microfilm, microfiche, or photograph of any document or person toprove what you owe or that a transaction has taken place, and the copy,microfilm, or microfiche will have the same validity as the original.12. TRANSACTIONS THAT ARE NOT COMPLETED. If you instruct usto perform an ATM or Debit/POS transaction involving your DesignatedAccounts and we do not complete it on time or in the correct amount,and we have agreed to perform it, with certain exceptions, we will beliable for your losses or damages. Paragraph 5 of this Agreement(“Other Limits on ATM and Debit/POS Transactions”) lists a number ofsituations in which we do not agree to complete withdrawals or transfers.We also will not be liable; if we have terminated this Agreement; ifthe funds in your Designated Accounts are subject to legal process orother encumbrance restricting the transaction; if circumstances beyondour control (such as fire or flood) prevent the transaction from beingcompleted despite reasonable precautions that we have taken; if anATM does not have enough cash to complete the transaction; if a merchantrefuses your card; or if there is a technical malfunction which isknown to you when you try to perform the transaction. There may alsobe other exceptions as provided by applicable law.13. OUR RULES AND REGULATIONS AND OTHER AGREEMENTS.Your Designated Accounts may also be governed by other agreementsbetween you and us and by our rules and regulations for yourDesignated Accounts.14. INFORMATION ABOUT YOUR DESIGNATED ACCOUNTS. Youauthorize us to obtain any information deemed necessary to process anapplication for a Card. Additionally, you agree that we will disclose informationto third parties about your Designated Accounts or the transactionsyou make:A. Where it is necessary for completing or documenting transactionsor resolving errors involving transactions;B. In order to verify the existence and condition of your DesignatedAccounts for a third party;C. In order to comply with orders or subpoenas of government agenciesor courts; orD. If you give us your written permission.15. OUR BUSINESS DAYS. Our business days are Monday throughFriday, other than legal banking holidays.16. TERMINATING THIS AGREEMENT. You can terminate thisAgreement at any time by notifying us in writing and no longer usingyour Card or PIN at any ATM or Debit/POS merchant. We can also terminatethis Agreement at any time. Whether you terminate theAgreement or we do, the termination will not affect your obligationsunder this Agreement, even if we allow any transaction to be completedwith your Card or PIN after this Agreement has been terminated.17. CHANGING THIS AGREEMENT. We have the right to change theterms of this Agreement from time to time. We will notify you at least 21days before the change will take effect if the change will cause yougreater costs or liability, or if it will limit your ATM or Card access to yourDesignated Accounts. You will be notified of such changes in the CreditUnion’s monthly newsletter, and/or in a special mailing to Cardholders.We do not have to notify you in advance, however, if the change is necessaryfor security reasons.18. NOTICES. All notices from us will be effective when we have mailedthem or delivered them to the last address that we have for you in ourrecords. Notices from you will be effective once we receive them atWright-Patt Credit Union, Inc., P.O. Box 286, Fairborn, Ohio 45324,Attention: Card Services; but notices under Paragraph 10 (“Liability forUnauthorized Transactions”) will be effective once you have done whateveris reasonably necessary to give us the information we need, suchas by telephoning or mailing a notice to us.19. COLLECTION EXPENSES. If we ever have to file a lawsuit to collectwhat you owe us, you will pay our reasonable expenses, includingattorney’s fees.20. APPLICABLE STATE LAW. Any questions under this Agreementwill be decided by Ohio law. If any term of this Agreement cannot legallybe enforced, this Agreement is to be considered changed to theextent necessary to comply with the law.Thank you for being a WrightCheck MasterMoney and/or a My HealthSavings Card user and a Wright-Patt Credit Union, Inc. memberowner.P.O. Box 286 • Fairborn, OH 45324-0286(937) 912-7000 • (800) 762-0047 • TDD (937) 912-700143025309 Revised 08/09Wright-Patt Credit Union, Inc.WrightCheck ® MasterMoney TM Cardand/or My Health Savings CardDisclosure and AgreementDear Member:The words “you,” “your,” and “yours” refer to the WrightCheckMasterMoney and/or My Health Savings Cardholder(s) jointly and severally.The words, “we,” “us,” “our,” and “Credit Union” refer to Wright-Patt Credit Union, Inc. This Agreement and Disclosure Statement(hereinafter “Agreement”) explains how you can use your WrightCheckMasterMoney Card (“MasterMoney Card”) and/or My Health SavingsCard (“Health Savings Card”) (hereinafter collectively “Card”) and setsforth the rights and responsibilities of you and the Credit Union. To activateyour Card, please call the number on the sticker on the front of theCard. You will be bound by this Agreement by your activation of yourCard. If you do not want to use the Card, please destroy the Card andcontact us immediately.1. YOUR ENCODED CARD AND PIN. At ATMs you can access yourCredit Union checking account and share account with yourMasterMoney Card and your Credit Union health savings checkingaccount with the Health Savings Card. With your MasterMoney Cardyou can make debit card and point-of-sale (“Debit/POS”) purchasesfrom your Credit Union checking account. With your Health SavingsCard you can make Debit/POS purchases from your Credit Unionhealthy savings checking account. Each Card can access only onechecking and/or share account, or one health savings checking youhave with us. In this Agreement, we will call your checking account,share account, and/or health savings checking account which can beaccessed at any ATM and your checking account and health savingschecking account which can be accessed by Debit/POS purchases, asthe “Designated Account(s).” If you would like to have access to morethan one Designated Account(s) which you have with us, you mustrequest a separate Card.The Card shall remain our property and shall be surrenderedimmediately to us upon our request. You cannot transfer your Card toanother person and we may cancel and retrieve your Card at any timewithout notice to you. You may not, under any circumstances, duplicateyour Card or any other Card, or allow or cause your Card or any otherCard to be duplicated.You will also receive a special PIN. You may change your PIN to anyfour-digit number of your choice at select STAR ATMs, and we encourageyou to do so. Your PIN cannot be changed at an ATM that is not aSTAR ATM. You may find it easier to remember a PIN of your ownselection. We request you choose something easy to remember, butnot easy to identify. We recommend you DO NOT use your birthdate,address, numbers on your driver’s license, social security numbers,etc.For your protection, you should guard the secrecy of your PIN, andyou agree not to write your PIN on your Card or Card sleeve and not tokeep your PIN any place where it may be found with your Card. Youagree not to loan your card to anyone. To compromise your PIN couldcause you a loss of funds.2. USING YOUR CARD TO MAKE DEBIT/POS PURCHASES. Youmay use your Card instead of a check to purchase goods or services at

any merchant who has agreed to accept the Card. The amount of allpurchases will be deducted from your Designated Account. Posting ofDebit/POS purchases may not be immediate; however, funds may beplaced on hold immediately.A. Purchase Limits. You can use your Card to make purchases up to$1,500.00 in a 24-hour period, but we may limit the amount ofyour purchases to your Designated Account balance or yourestablished daily limit, whichever is less. You agree that wewill hold funds representing purchases authorized until posted toyour Designated Account. Debit/POS purchases do notdecrease the amount of cash available to you at the ATM that dayif funds are available in your Designated Account.B. Stop Payments. You may not stop payment on any Debit/POSpurchase or transaction conducted with your Card.3. PREAUTHORIZED PAYMENTS. You may not use your Card toenter into any preauthorized payment arrangements.4. USING ATM SERVICES. During the hours that an ATM is accessibleto the general public, you can use your Card and PIN at any ATMfor the following purposes, to the extent the law allows and the ATM isable to perform the transaction.A. Cash Withdrawals. You can use your Card and PIN at any ATM toobtain a cash withdrawal from your Designated Account (or aloan, in the case of a withdrawal from your Designated Accountwhen your Designated Account has a zero balance and you havean approved Line of Credit for overdraft protection). Withdrawalscannot exceed $300.00 within any 24-hour period. You may applyfor a higher dollar limit on your Designated Account.B. Deposits. You can use your Card and PIN at any Ohio ATM tomake a deposit to your Designated Accounts. Money StationATMs that are not STAR ATMs will not accept deposits over$10,000.00. ATMs outside the state of Ohio will not acceptdeposits.C. Transfers. You can use your Card and PIN at any ATM to transfermoney between your Designated Accounts.D. Making Payments. You can use your MasterMoney Card, but notyour Health Savings Card, and PIN at any STARATM to make payments on certain loans which you have with usby depositing a payment envelope in the STAR ATM with cash ora check. Whenever you make a payment you must deposit a paymentenvelope in the STAR ATM with a payment coupon or bill.Money Station and PLUS automated teller machines willnot accept payments. Payments can be made only at machinesdesignated as a STAR ATM. Loan payments are subject to verificationprior to posting.E. Balance Inquiries. You can use your Card and PIN at any ATM tocheck the balance in your Designated Accounts. Generally, ourbalances will be up-to-date. There are times, however, when yourbalances may not show some of the most recent transactionsinvolving your Designated Accounts. It is your responsibility tomaintain an accurate record of the balance in your DesignatedAccounts.F. Posting of Transactions. Posting of credit for deposits anddebit/credit for other transactions to your Designated Accountswill generally be posted immediately. However, posting times oftransactions are not guaranteed. All ATM deposits are subject toverification and may be placed on hold if the Credit Union deemsnecessary, based upon our Funds Availability Policy. A copy ofour Funds Availability Policy may be obtained at any membercenter. Contact the Credit Union Card Services Department forfurther explanation.5. OTHER LIMITS ON ATM AND DEBIT/POS TRANSACTIONS. Wewill not be required to complete an ATM withdrawal, transfer, or aDebit/POS purchase (hereinafter in this paragraph “Transaction”) fromany Designated Account if you do not have enough money in theDesignated Account to cover the Transaction; however, we may completethe Transaction. You agree not to use your Card and/or PIN for aTransaction that would cause the balance in your Designated Accountto go below zero unless you have overdraft protection with yourDesignated Account. If you have a Line of Credit, you agree not to useyour Card and PIN for a Transaction that would cause the outstandingbalance of your Line of Credit to go above your credit line. We will notbe required to complete any Transaction, but if we do so, you agree topay us the excess amount, improperly withdrawn amount, or transferredamount immediately upon our request. We will also refuse tocomplete your ATM or MasterMoney Transaction if your Card is damagedor has been canceled, or we cannot complete the Transaction forsecurity reasons.6. FEES FOR ATM AND DEBIT/POS SERVICE.A. STAR/Money Station ATMs not owned or operated by WPCU.You will receive up to six free transactions per month, with a $.60fee per transaction thereafter, based upon your relationship withWPCU. There is no charge for deposits or Debit/POS transactions.The six transactions include any combination of withdrawals,balance inquiries, or transfers.B. PLUS System. Transactions at PLUS System machines that arenot STAR or Money Station ATMs are charged a $1.50 fee pertransaction.C. Debit/POS Purchases. There is no fee for purchases made withyour Card.7. OTHER CHARGES FOR ATM AND DEBIT/POS SERVICE.A. You may be charged $3.00 for a replacement Card issued at yourrequest.B. If your usage of the your MasterMoney Card results in a negativebalance on your Designated Account, we will: (1) Consider thenegative balance as your request for a loan advance against yourLine of Credit loan. (2) If you do not have a Line of Credit loan, orif a loan advance against the Line of Credit loan would cause yourLine of Credit loan balance to exceed your approved limit, then atransfer from your Share to Checking Account, or from yourChecking to Share Account will be made to correct the negativebalance condition. There is a charge of $5.00 for this service. (3)If a negative balance cannot be corrected by either (1) or (2)above, a charge of $25.00 per transaction will be assessed to theaccount or accounts having the negative balance condition.Youagree that you will not use your Card until all negative balanceshave been corrected.C. If a negative balance on your MasterMoney Card cannot be correctedby either B. (1) or (2) above, or if you have a negative balanceon your Health Savings Card, a charge of $25.00 per transaction will be accessed to the Designated Accounts having thenegative balance condition. You agree that you will not use yourCard until all negative balances have been corrected.8. RECEIPTS AND ACCOUNT STATEMENTS. You will receive areceipt for transactions made with your Card at an ATM or at anyDebit/POS merchant. Final credit for all deposits and payments madeby you at an ATM are subject to our verification of the actual amountsdeposited and paid, regardless of the figure shown on the receipt youreceive at the ATM. You will receive a monthly account statement foryour Designated Accounts.9. IN CASE OF ERRORS OR QUESTIONS ABOUT YOURELECTRONIC TRANSFERS. Telephone us at (937) 912-7000 or (800)762-0047 or write us at Wright-Patt Credit Union, Inc., P.O. Box 286,Fairborn, Ohio 45324, Attention: Error Resolution, as soon as you can,if you think your receipt or statement is wrong, or if you need more informationabout a transfer listed on your receipt or account statement. Wemust hear from you no later than 60 days after we send the FIRSTaccount statement on which the problem or error appears.A. Tell us your name and Checking and/or Share Account number.B. Describe the error or the transfer you are unsure about, andexplain as clearly as you can why you believe it is an error, or whyyou need more information.C. Tell us the dollar amount of the suspected error. If you tell us orally, we may require you send us your complaint or question inwriting within 10 business days. For ease of processing yourcomplaint, a written confirmation form will be provided to you bythe Credit Union upon receipt of your oral notification. Such formsare also available at any of our facilities.We will tell you the results of our investigation within 10 businessdays (20 business days if your complaint or questioninvolved an ATM or Debit/POS transaction to or from anaccount within 30 days after the first deposit to the account wasmade) after we hear from you and we will correct any errorpromptly. If we need more time, however, we may take up to 45days (90 days if your complaint or question involved an ATM orDebit/POS transaction to or from an account within 30 daysafter the first deposit to the account was made or the alleged errorinvolved a Debit/POS transaction or a foreign-initiated transfer)to investigate your complaint or question. If we decide to dothis, we will recredit your account within 10 business days (20business days if the complaint or error involved an ATM orDebit/POS transaction to or from an account within 30 daysafter the first deposit to the account was made) for the amountyou think is in error, so that you will have the use of the moneyduring the time it takes us to complete our investigation. If we askyou to put your complaint or questions in writing and we do notreceive it within 10 business days, we may not recredit youraccount.If we decide that there was no error, we will send you a writtenexplanation within 3 business days after we finish our investigation.You may ask for copies of the documents that we used inour investigation.These rights apply to ATM and Debit/POS transactioninvolving your Designated Accounts. You have different rightswith regard to the resolution of errors with your DesignatedAccounts which do not involve ATM and/or Debit/POStransactions.10. LIABILITY FOR UNAUTHORIZED TRANSACTIONS. You will beliable for unauthorized use of your Card at an ATM to the extent allowedby applicable federal and state law. Your liability for unauthorized useof your Card at a Debit/POS merchant is limited to $50.00. The followingdescription of your liability for unauthorized use of your Card isrequired by federal law. Tell us AT ONCE if you believe your Card has