I request the Fraternal Order of Police Federal Credit Union Visa Check Card as indicated below. You are authorized to check my credit.
I have been instructed to memorize my Personal Identification Number (PIN), never to write it on my Card(s), and never to tell anyone my PIN except people who are authorized to sign on my account, and even then disclosure is at my discretion. I have also received and read the liability disclosures concerning the use of my Card(s).
The following is an agreement between you and FOPFCU covering. TransFund card(s) and check card(s), ("Card(s)"). Please read this disclosure carefully because it tells you your rights and obligations for those transactions. You should keep this notice for future reference.
(1) ATM CARDHOLDER'S LIABILITY
Telephone the Credit Union at once if your Card(s0 has been lost or stolen, then confirm your call with a letter. If you notify us of the lost or stolen Card(s) within two business days, your loss is limited to no more than $50 if someone uses your Card(s) without your permission. If you do not notify us within two business days after you learn the loss or theft of your Card(s0, you could lose as much as $500. Please review your Deposit account statement carefully. If they show transactions you did not make, notify us at once. If you do not notify us within 60 days after the statement mailing date, you may not be reimbursed for the withdrawal.
Additional Limit On Liability for Visa Check Card:
Unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen Check Card(s). This additional limit on liability does not apply to ATM transactions to transactions using your Personal Identification Number which are not processed by Visa, or to commercial cards.
(2) NOTIFICATION PROCEDURES
If your card has been lost, stolen, or an unauthorized transfer has taken place, call the Credit Union at (918) 836-9922 and/or write Member Service Dept, Fraternal Order of Police Federal Credit Union, P.O. Box 691090, Tusla, Oklahoma 74169-1090.
(3) BUSINESS DAYS AND HOURS TO REPORT PROBLEMS
The Credit Union's business days are Monday through Thursday, 7:30 a.m. - 5:30 p.m., excluding holidays.
(4) TYPES OF AND LIMITATIONS ON TRANSACTIONS
You may use your Card(s) at terminals to (A) Withdraw cash from your Demand Deposit accounts: (B) Make deposits to your Demand Deposit accounts; (C) Transfer funds between your Deposit accounts; (D) Pay for purchases from merchants who have agreed to accept the Card(s0 for the purpose; and (E) Inquire as to the amount of your available balance. Some of these services may not be available at all terminals. ("Terminals(s)" refers to those automated teller machines and other electronic terminals in which you may use your Card(s).)
You may withdraw a maximum of $500 on your Demand Deposit account balance (whichever is less) from a terminal per day, per Card.
You may use your check card(s) to pay for goods and services at retail locations displaying the Visa debit symbol. We shall charge against your account all purchases and withdrawals made with your Card(s). The use of your Card(s) to purchase goods and services will constitute a simultaneous withdrawal from and/or demand from, your primary checking account. You cannot place a stop payment on any transaction made with your check card.
If you use your check card and a dispute arises with the merchant, you agree to make a good-faith effort to resolve the dispute with the merchant. If you cannot resolve the dispute satisfaction, we will, at our discretion, assist you in your efforts to resolve such disputer. However, you are ultimately responsible for reaching a resolution.
In addition to the limits on cash withdrawals at terminals, you may use your check card to purchase up to $1,000 in goods and services each day, as long as your available balance is sufficient to cover the aggregate of all purchases.
You agree that you will not use and will not premit anyone else to use the card unlawfully, fo any illegal purpose, activity, or transaction.
(5) DISCLOSURE OF CHARGES
We will charge you fees in accordance with the information found in the Services and Fees brochure. The Credit Union reserves the right to make future changes in the account and/or Card(s) service charges, subject to our giving you notice as required by law.
Notice Regarding ATM Fees By Others: If you use an automated teller machine that is not operated by us, you may be charged a fee by the operator of the machine and/or by an automated transfer network.
You will get a memo documenting the transaction at the time you make any transfer to or from your account using a terminal. Deposit account statements also indicate transaction made with the Card(s).
(7) ERROR RESOLUTION
In Case of Errors or Questions About Your Electronic Transfers. Telephone or write us at the number or address listed in this disclosure as soon as possible, if you think your statement or receipts are wrong or if you need more information about a transfer listed on the statement or your receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the error or problem appeared. You should (A) Tell us your name and account number (if any), (B) Describe the error or the transfer you are unsure about. Explain as clearly as you can why you believe it is an error or why you need more information, (C) Tell us the dollar amount of the suspected error.
If you tell us orally, we will require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business (20 business days if the error involves an EFT made during the first thirty (30) days after the first deposit to an account was made) for the amount you think is in error, so that you will have the use of the money during the time it take us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account.
We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.
SPECIAL ERROR RESOLUTION PROCEDURES FOR POINT-OF-SALE TRANSACTIONS (OTHER THAN FOREIGN-INITIATED TRANSFERS)
In case of error or question about point-of-sale transactions using your card, call or write us. We will tell you the results of our investigation within 5 business days after we hard from you and will correct any error promptly If we need more time, however, we may take up to 90 days to investigate your complaint or question. If we decide to do this, we will credit your account within 5 business days for the amount you think is in error, so that you will use the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account.
We will disclose information to third parties about your account or the transfers you make: (A) Where it is necessary for completing transfers; or (B) In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or (C) In order to comply with government agency or court orders; or (D) If you give us your written permission.
(9) CREDIT UNION'S LIABILITY
The Credit Union may be liable to the member for all damages caused by the Credit Union's failure to make a transfer pursuant to your instruction except where: (A) Your account has insufficient funds to complete the transfer, (B) The funds are subject to legal or other encumbrance; (C) The terminal has insufficient funds to complete the transfer; (D) Federal Reserve Board, National Credit Union Administration or state banking regulations might prohibit such transfers.
The Credit Union may be liable for damages where it failed to properly credit deposits subject to normal policies and procedures of the Credit Union. However, in no circumstances shall the Credit Union be liable for any damages where the error or failure is the result of an Act of God and the Credit Union exercised due care, or where a technical or mechanical malfunction was known to the member.
Also in the case of an error or malfunction which was not intentional on the part of the Credit Union and resulted in a good-faith error, the Credit Union's liability is limited to actual damages proved.