Using Your Card. The VISA Student Card is a prepaid, reloadable stored-value card. It is neither a credit card, nor a NCUA insured deposit account. This card is issued by Affinity Plus Federal Credit Union; pursuant to a license from Visa U.S.A, Inc. your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The maximum value credited to the Student Card on issue is limited to $5,000.00, and no more than $5,000.00 can be available for use on the Card at any one time. Activate your Card by calling toll-free, (▇▇▇) ▇▇▇-▇▇▇▇ or visit us online at ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇. You will be required, for validation purposes, to provide personal information. During activation you will be given a Personal Identification Number (PIN). You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card after activation. The Card is non-transferable. The person whom the card is purchased for is the only person authorized to use the Card. Please do not give your Card to anyone else to use. You are responsible for all authorized transactions made with this additional Card. Only the purchaser can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. When you use your Card at an automated gas station pump you will require a minimum of $75.00 available credit on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require of minimum credit of $50.00. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card to pre-authorize a hotel reservation any amount requested in a pre-authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If three days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental businesses likewise add 15% to the rental to allow for any additional expenses and mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be as the final bill. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card, which will be not less than 36 months after you purchased the Card. Your card will not reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction; then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. You can review your Card balance and the last 5 transactions activity records by calling toll-free (▇▇▇) ▇▇▇-▇▇▇▇ or by visiting ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your Affinity Plus VISA Student Card account number and some of the information requested when you ordered the Card are required for authentication. You can add value of at least $20.00 on your Student Card by making a payment at your local Affinity Plus branch. Student Cards have unlimited reload capabilities. You can also add value at ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ or by calling toll free ▇-▇▇▇-▇▇▇-▇▇▇▇ by initiating funds transfer from your designated funding account. Funds may not be available for immediate use after you have initiated the transfer. The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit of $5,000.00 or 15 withdrawals per 24-hour period. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. In addition to our ATM withdrawal fee described below, an additional fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Card Fee - $4.95 if purchaser is a member and orders from a local branch, over the telephone or online. Express delivery fee is $15.00. ATM Fee - There is not an ATM transaction fee assessed to the card but the ATM itself may charge a fee for withdrawal within the US and overseas. There is a 1.00% transaction fee of transaction amount when used overseas. Bank Cash Advance Fee - There is a $0.00 fee per withdrawal in the US and elsewhere in the world.
Appears in 2 contracts
Sources: Visa Student Card Terms and Conditions, Visa Student Card Terms and Conditions
Using Your Card. The VISA Student Prepaid Card is a prepaid, reloadable stored-value card. It is neither a credit card, nor a NCUA FDIC insured deposit account. This card is issued by Affinity Plus 360 Federal Credit Union; pursuant to a license from Visa U.S.A, Inc. your Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The maximum value credited to the Student Prepaid Card on issue is limited to $5,000.005000.00, and no more than $5,000.00 2500.00 can be available for use on the Card at any one time. Activate your Card by calling toll-free, (▇-▇▇▇) -▇▇▇-▇▇▇▇ or visit us online at ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇. You will be required, for validation purposes, to provide personal information. During activation you will be given a Personal Identification Number (PIN). You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card after activation. The Card is non-transferable. The person whom who purchases the card is purchased for Card is the only person authorized to use the Card. Please do not give your Card to anyone else to use. You may request two additional Cards when you order your Card for any user you authorize which will have to be separately activated and which can be used in the same way as the Card at ATMs and merchants that accept VISA debit cards. You are responsible for all authorized transactions made with this additional Card. Only the purchaser primary cardholder can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. When you use your Card at an automated gas station pump you will require a minimum of $75.00 49.00 available credit on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require of minimum credit of $50.0015.00. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-pre- authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card to pre-authorize a hotel reservation any amount requested in a pre-authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If three five (5) days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental businesses likewise add 15% to the rental to allow for any additional expenses and mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be as the final bill. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card, which will be not less than 36 months after you purchased the Card. Your card If your account is a personalized account, is in good standing, and has greater than a $0 balance, it will not automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction; , then go to a well-populated area. If necessary, call the local police. Do not write your you’re PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. You can review your Card balance and the last 5 transactions activity records by calling toll-free (▇▇▇) ▇▇▇1-▇▇▇▇ 866-760- 3156 see below or applicable fees or by visiting ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your Affinity Plus 360FCU VISA Student Prepaid Card account number and some of the information requested when you ordered the Card are required for authentication. You can add value of at least $20.00 25.00 on your Student Prepaid Card by making a payment at your local Affinity Plus 360 Federal Credit Union branch. Student Cards Please bear in mind the number of loads on a Non-personalized card is limited to four including the initial load. Personalized cards have unlimited reload capabilities. You can also add value at ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ or by calling toll free ▇-▇▇▇-▇▇▇-▇▇▇▇ by initiating funds transfer from your designated funding account. Funds may not be available for immediate use after you have initiated the transfer. The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit of $5,000.00 500 or 15 5 withdrawals per 24-hour period. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. In addition to our ATM withdrawal fee described below, an additional fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Card Fee - $4.95 if purchaser is a member and orders from a local branch, over the telephone or online. Express delivery fee is $15.00. ATM Fee - There is not an ATM transaction fee assessed to the card but the ATM itself may charge a fee for withdrawal within the US and overseas. There is a 1.00% transaction fee of transaction amount when used overseas. Bank Cash Advance Fee - There is a $0.00 fee per withdrawal in the US and elsewhere in the world.
Appears in 1 contract
Sources: Prepaid Card Terms and Conditions
Using Your Card. The VISA Student Prepaid Card is a prepaid, reloadable stored-value card. It is neither a credit card, nor a NCUA insured deposit account. This card is issued by Affinity Plus Federal Credit UnionAgFed; pursuant to a license from Visa U.S.A, Inc. your Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The card may not be used at some merchants including non-financial money exchange establishments and gambling establishments. The maximum value credited to the Student Prepaid Card on issue is limited to $5,000.001500.00, and no more than $5,000.00 1500.00 can be available for use on the Card at any one time. Your card can be reloaded every 15 days. Activate your Card by calling toll-free, (▇-▇▇▇) -▇▇▇-▇▇▇▇ or visit us online at ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇. You will be required, for validation purposes, to provide personal information. During activation you will be given a Personal Identification Number (PIN). You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card after activation. The Card is non-transferable. The person whom who purchases the card is purchased for Card is the only person authorized to use the Card. Please do not give your Card to anyone else to use. You may request four additional Cards when you order your Card for any user you authorize which will have to be separately activated and which can be used in the same way as the Card at ATMs and merchants that accept VISA debit cards. You are responsible for all authorized transactions made with this additional Card. Only the purchaser primary cardholder can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institutionpurchases. When you use your Card at an automated gas station pump you will require a minimum of $75.00 74 available credit on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call call, this can require of a minimum credit of $50.0015. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card to pre-authorize a hotel reservation any reservation, add 15% to the reservation. Any amount requested in a pre-authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If three 30 days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental businesses and/or cruise ship businesses, likewise add 15% to the rental rental/reservation to allow for any additional expenses expenses. If 30 days elapse without you authorizing an amount any pre-authorization will be cancelled and mail this will be available to you. Mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be as the final bill. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card, which will be not less than 36 months after you purchased the Card. Your card If your account is a personalized account, is in good standing, and has greater than a $0 balance, it will not automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction; , and then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. You can review your Card balance and the last 5 transactions activity records by calling toll-free (▇-▇▇▇) -▇▇▇-▇▇▇▇ or by visiting ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your Affinity Plus AgFed VISA Student Prepaid Card account number and some of the information requested when you ordered the Card are required for authentication. You can add value of at least $20.00 25 on your Student Prepaid Card by making a payment at your local Affinity Plus AgFed branch. Student Cards Please bear in mind the number of loads on a Non-personalized card is limited to four including the initial load. Personalized cards have unlimited reload capabilities. You can also add value at ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ or by calling toll free ▇-▇▇▇-▇▇▇-▇▇▇▇ by initiating funds transfer from your designated funding account. Funds may not be available for immediate use after you have initiated the transfer. The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit of $5,000.00 or 15 withdrawals per 24-hour period500. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. In addition to our ATM withdrawal fee described below, an additional fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Card Fee - $4.95 3.95 if purchaser is a member and orders ordered from a local branch, over branch and $3.95 plus shipping as advised when ordering on the telephone or online. Express delivery fee is $15.00. ATM Fee - There is not an ATM transaction fee assessed to the card but the ATM itself may charge a fee for withdrawal within the US and overseas. There is a 1.00% transaction fee of transaction amount when used overseas. Bank Cash Advance Fee - There is a $0.00 2.00 ATM withdrawal fee per ATM withdrawal in the US and elsewhere in the world. Overdraft Fees - In the event your Card has a negative balance, you will pay us on demand the debit balance and you may be charged a $33 fee. The exchange rate used is the wholesale money market or the government-mandated rate (including the VISA handling charge of 1%).
Appears in 1 contract
Sources: Prepaid Card Terms and Conditions
Using Your Card. The VISA Student Prepaid Card is a prepaid, reloadable stored-value card. It is neither not a credit card, nor a NCUA insured deposit account. This card is issued by Affinity Plus Federal The Southern Credit Union; Union pursuant to a license from Visa U.S.A, Inc. your Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The card may not be used at some merchants including non-financial money exchange establishments and gambling establishments. The maximum value credited to the Student Prepaid Card on issue is limited to $5,000.005,000, and no more than $5,000.00 5,000 can be available for use on the Card at any one time. Activate your Card by calling toll-free, (▇-▇▇▇) -▇▇▇-▇▇▇▇ or visit us online at ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇. You will be required, for validation purposes, to provide personal information. During activation To obtain your PIN you will be given a Personal Identification Number (need to call ▇-▇▇▇-▇▇▇-▇▇▇▇. Once you have your initial PIN). You , you may also select your own PIN. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card after activation. The Card is non-transferable. The person whom who purchases the card is purchased for Card is the only person authorized to use the Card. Please do not give your Card to anyone else to use. You may request up to four additional Cards when you order your Card for any user you authorize which will have to be separately activated and which can be used in the same way as the Card at ATMs and merchants that accept VISA debit cards. You are responsible for all authorized transactions made with this additional Card. Only the purchaser primary cardholder can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institutioninstitutions. When you use your Card at an automated gas station pump you will require a minimum of $75.00 74 available credit on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require of a minimum credit of $50.0015. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card to pre-authorize a hotel reservation any reservation, add 20% to the reservation. Any amount requested in a pre-authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If three 30 days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental and/or cruise ship businesses likewise add 15% to the rental rental/reservation to allow for any additional expenses expenses. If 30 days elapse without you authorizing an amount any pre-authorization will be cancelled and mail this will be available to you. Mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be as the final bill. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card. If your account is a personalized account, which is in good standing, and has greater than a $0 balance, it will be not less than 36 months after you purchased the Card. Your card will not automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction; , then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. You can review your Card balance and the last 5 transactions activity records by calling toll-free (▇-▇▇▇) -▇▇▇-▇▇▇▇ or by visiting ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your Affinity Plus The Southern Credit Union VISA Student Prepaid Card account number and some of the information requested when you ordered the Card are required for authentication. You can add value of at least $20.00 on your Student Card by making a payment at your local Affinity Plus branch. Student Cards have unlimited reload capabilities. You can also add value at ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ or by calling toll free ▇-▇▇▇-▇▇▇-▇▇▇▇ by initiating funds transfer from your designated funding account. Funds may not be available for immediate use after you have initiated the transfer. The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit of $5,000.00 or 15 withdrawals per 24-hour period. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. In addition to our ATM withdrawal fee described below, an additional fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Card Fee - $4.95 if purchaser is a member and orders from a local branch, over the telephone or online. Express delivery fee is $15.00. ATM Fee - There is not an ATM transaction fee assessed to the card but the ATM itself may charge a fee for withdrawal within the US and overseas. There is a 1.00% transaction fee of transaction amount when used overseas. Bank Cash Advance Fee - There is a $0.00 fee per withdrawal in the US and elsewhere in the world.
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Using Your Card. The VISA Student Prepaid Card is a prepaid, reloadable stored-value card. It is neither not a credit card, nor a NCUA insured deposit account. This card is issued by Affinity Plus Federal Credit Union; Service CU, pursuant to a license from Visa U.S.A, Inc. your Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The maximum value credited to the Student Prepaid Card on issue is limited to $5,000.00, 5,000.00 and no more than $5,000.00 can be available for use on the Card at any one time. Activate your Card on line at ▇▇▇.▇▇▇▇▇▇▇▇▇.▇▇▇/▇▇▇▇▇▇▇ or by calling toll-free, (▇▇▇) ▇▇▇-▇▇▇▇ or visit us online at ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇. You will be required, for validation purposes, to provide personal information. During activation you You will also be given a Personal Identification Number (PIN). You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN all merchants abroad equipped with a number that, while easy for you to remember, may be difficult for someone else to guessglobal chip & pin terminals. You may use your Card after activation. If you cannot remember your PIN, you must call customer support at anytime 24/7/365 to hear your PIN. The Card is non-transferable. The person whom who purchases the card is purchased for Card is the only person authorized to use the Card. Please do not give your Card to anyone else to use. You may request up to 4 additional Cards when you order your Card for any user you authorize which will have to be separately activated and which can be used in the same way as the Card at ATMs and merchants that accept VISA debit cards. You are responsible for all authorized transactions made with this additional Card. Only the purchaser can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. However, there can be times when a Visa merchant puts an item through without prior authorization. If an overdraft occurs, the cardholder will be required to either reload funds onto the card or make a payment to Cardholder Services to cover the negative amount. Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. Cash-back is only available at US Visa merchants with your International Prepaid Card, it is not available at international Visa merchants. When you use your Card at an automated gas station pump you will require a minimum of $75.00 100 available credit on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require of a minimum credit of $50.0015.00. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card to pre-authorize a hotel reservation any amount requested in a pre-pre- authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If three 7 days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental businesses likewise add 15% to the rental to allow for any additional expenses and mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be the same as the final bill. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card. If your card is a personalized card, which is in good standing, and has greater than a $0 balance, it will be not less than 36 months after you purchased the Card. Your card will not automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise caution that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. If you have forgotten your PIN, call the customer support number (▇▇▇) ▇▇▇-▇▇▇▇ immediately to hear your PIN. If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction; , then go to a well-populated area. If necessary, call the local police. Do not write your you're PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. You can review your Card balance and the last 5 transactions activity records by calling toll-toll- free (▇▇▇) ▇▇▇-▇▇▇▇ or by visiting ▇▇▇.▇▇▇▇▇▇▇▇▇.▇▇▇./▇▇▇▇▇▇▇ where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your Affinity Plus Service CU VISA Student Prepaid Card account number and some of the information requested when you ordered the Card are required for authentication. You can add value of at least $20.00 25.00 on your Student Prepaid Card by making a payment at your local Affinity Plus Service CU branch. Student Cards Please bear in mind the number of loads on a Non-personalized card is limited to four including the initial load. Personalized cards have unlimited reload capabilities. You can also add value at ▇▇▇.▇▇▇▇▇▇▇▇▇.▇▇▇./▇▇▇▇▇▇▇ or by calling toll free ▇-(▇▇▇-) ▇▇▇-▇▇▇▇ by initiating funds transfer from your designated funding account. Funds may not be available for immediate use after you have initiated the transfer. The ability to set up direct deposit from your employer is also available. The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit of $5,000.00 or 15 withdrawals 510 domestically and $610 internationally per 24-hour period. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. In addition to our ATM withdrawal fee described below, an additional A fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Card Fee - $3.95 for a non-personalized card and $4.95 for a personalized card if purchaser is a member and orders ordered from a local branch, over the telephone or and $4.95 plus shipping as advised when ordering online. Express delivery fee is $15.00. ATM Secondary Card Fee - There $3.95 non-personalized and $4.95 personalized plus shipping as advised when ordering online. Card Replacement / Reissue Fee - You will be charged a fee of $4.95 to replace a card that is not lost or stolen, and to reissue a card due to a name change or damaged card. An Emergency card replacement can be requested if the circumstances require an ATM transaction fee immediate turnaround on shipping out the replacement card; there will be an extra cost of $35 assessed to the prepaid card but the ATM itself may charge a fee for withdrawal within the US and overseasthis Emergency Card Replacement service. There is a 1.00% transaction Express Delivery Fee - You will be charged an additional fee of transaction amount $20.00 when used overseas. Bank Cash Advance Fee - There is requesting a $0.00 fee per withdrawal in the US and elsewhere in the worldcard order to be sent via express mail.
Appears in 1 contract
Using Your Card. The VISA Student General Purpose Card is a prepaid, reloadable stored-value card. It is neither a credit card, nor a NCUA insured deposit account. This card is issued by Affinity Plus Federal First South Financial Credit Union; pursuant to a license from Visa U.S.A, Inc. your Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card Card at merchants who accept VISA debit cards worldwide. The maximum value credited to the Student General Purpose Card on issue is limited to $5,000.005000, and no more than $5,000.00 5000 can be available for use on the Card at any one time. Activate your Card by calling toll-free, (▇▇▇) ▇▇▇1-▇▇▇▇ 866- 760-3156 or visit us online at ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇. You will be required, for validation purposes, to provide personal information. During activation you will be given a Personal Identification Number (PIN). You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card after activation. The Card is non-transferable. The person whom who purchases the card is purchased for Card is the only person authorized to use the Card. Please do not give your Card to anyone else to use. You may request two additional Cards when you order your Card for any user you authorize which will have to be separately activated and which can be used in the same way as the Card at ATMs and merchants that accept VISA debit cards. You are responsible for all authorized transactions made with this additional Card. Only the purchaser primary cardholder can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. When you use your Card at an automated gas station pump you will require a minimum of $75.00 50 available credit on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require of minimum credit of $50.0015. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card to pre-authorize a hotel reservation any amount requested in a pre-pre- authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If three days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental businesses likewise add 15% to the rental to allow for any additional expenses and mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be as the final bill. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card, which will be not less than 36 months after you purchased the Card. Your card If your account is a personalized account, is in good standing, and has greater than a $9.95 balance, it will not automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. For Your Safety When Using an ATM, Please Observe the Following: If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction; transaction and then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. Note: Activity is being recorded by hidden cameras at ATM locations in New York City and/or as required by local regulations. You can review your Card balance and the last 5 transactions activity records by calling toll-free (▇▇▇) ▇▇▇1-▇▇▇▇ 866- 760-3156 or by visiting ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your Affinity Plus First South Financial VISA Student General Purpose Card account number and some of the information requested when you ordered the Card are required for authentication. You can add value of at least $20.00 50 on your Student General Purpose Card by making a payment at your local Affinity Plus branchFirst South Financial banking center. Student Cards Please bear in mind the number of loads on a Non-personalized card is limited to three including the initial load. Personalized cards have unlimited reload capabilities. You can also add value at ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ or by calling toll free ▇-▇▇▇-▇▇▇-▇▇▇▇ by initiating funds transfer from your designated funding account. Funds may not be available for immediate use after you have initiated the transfer. The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit of $5,000.00 500 domestic or 15 $1000 international or 5 withdrawals per 24-hour period. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. In addition to our ATM withdrawal fee described below, an additional fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Additional Card Fee - $4.95 if purchaser is a member and orders from a local branch, over the telephone or online. 5.00 per card Express delivery fee is shipping charges - $15.00. ATM 25 per card Card Replacement Fee - There is not an ATM transaction fee assessed to the $10.00 per card but the ATM itself may charge a fee for withdrawal within the US and overseas. There is a 1.00% transaction fee of transaction amount when used overseas. Bank Cash Advance Fee - There is a $0.00 fee per withdrawal in the US and elsewhere in the world.+ overnight shipping (if applicable)
Appears in 1 contract
Using Your Card. The VISA Student Prepaid Card is a prepaid, reloadable stored-value card. It is neither not a credit card, nor a NCUA insured deposit account. This card is issued by Affinity Plus Quest Federal Credit Union; , pursuant to a license from Visa U.S.A, Inc. your Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The maximum value credited to the Student Prepaid Card on issue is limited to $5,000.00, 5000.00 and no more than $5,000.00 5000.00 can be available for use on the Card at any one time. Activate your Personalized Card by calling toll-free, (▇▇▇) ▇▇▇-▇▇▇▇ or visit us online at ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇. Non Personalized Cards are activated upon load. You will be required, for validation purposes, to provide personal information. During activation you You will also be given a Personal Identification Number (PIN). You may also select PIN for your own PINPersonalized or Non Personalized Card which can be obtained by calling the customer support number. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN all merchants abroad equipped with a number that, while easy for you to remember, may be difficult for someone else to guessglobal chip & pin terminals. You may use your Card after activation. If you cannot remember your PIN, you must call customer support at anytime 24/7/365 to hear your PIN before making more than 3 attempts at entering an incorrect PIN. It is important to remember your PIN because locking your PIN at a merchant terminal using an EMV chip card will require you to unlock the PIN before your International Prepaid Card can be used at another merchant EMV chip terminal again. To unlock your PIN, you must first call the customer support line to obtain your correct PIN, next, find any ATM that accepts EMV chip cards; using the correct PIN, perform a Balance Inquiry or Cash Withdrawal transaction; after this transaction is complete, the PIN will automatically be unlocked and you are free to use your International Prepaid Card again at any merchant and ATM worldwide. The Card is non-transferable. The person whom who purchases the card is purchased for Card is the only person authorized to use the Card. Please do not give your Card to anyone else to use. You may request “four” additional Cards when you order your Card for any user you authorize which will have to be separately activated and which can be used in the same way as the Card at ATMs and merchants that accept VISA debit cards. You are responsible for all authorized transactions made with this additional Card. Only the purchaser can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. However, there can be times when a Visa merchant puts an item through without prior authorization. If an overdraft occurs, the cardholder will be required to either reload funds onto the card or make a payment to Cardholder Services to cover the negative amount. Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. When you use Cash-back is only available at US Visa merchants with your Card International Prepaid Card, it is not available at an automated gas station pump you will require a minimum of $75.00 available credit on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas stationinternational Visa merchants. If you use the Card to make a telephone call this can require of a minimum credit of $50.0015.00. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card to pre-authorize a hotel reservation any amount requested in a pre-authorization preauthorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If three 7 days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental businesses likewise add 15% to the rental to allow for any additional expenses and mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be the same as the final bill. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card. At this time, which you will be not less than 36 months after need to contact Quest Federal Credit Union if you purchased wish to purchase a new card to replace the Card. Your card will not reissueexpired card. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise caution that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. If you have forgotten your PIN, call the customer support number (▇▇▇) ▇▇▇-▇▇▇▇ immediately to hear your PIN, especially before you try to use it at a merchant or an ATM. It is very important to maintain the correct PIN because locking it out at a merchant’s EMV Chip terminal results in having to perform the process of unlocking the PIN before it can be used again at an EMV Chip merchant terminal. However, the card can still be used at any ATM’s worldwide that accept EMV Chip cards. . You will have up to 3 attempts at entering a bad PIN before it locks., If you have locked your PIN, you must call the customer support number immediately, choose the option to “Hear Your PIN”, locate an ATM that accepts EMV Chip cards, perform a Balance Inquiry or Cash Withdrawal using the correct PIN in this ATM, complete the transaction, and the PIN will automatically be unlocked now. You can then go use your International Prepaid Card again at any merchant or ATM worldwide. If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction; , then go to a well-populated area. If necessary, call the local police. Do not write your you're PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. You can review your Card balance and the last 5 transactions activity records by calling toll-free (▇▇▇) ▇▇▇-▇▇▇▇ or by visiting ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your Affinity Plus Quest Federal Credit Union VISA Student Prepaid Card account number and some of the information requested when you ordered the Card are required for authentication. You can add value of at least $20.00 10.00 on your Student Prepaid Card by making a payment at your local Affinity Plus Quest Federal Credit Union branch. Student Cards Please bear in mind the number of loads on a Nonpersonalized card is limited to four including the initial load. Personalized cards have unlimited reload capabilities. You can also add value at ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ or by calling toll free ▇-(▇▇▇-) ▇▇▇-▇▇▇▇ by initiating funds transfer from your designated funding account. Funds may not be available for immediate use after you have initiated the transfer. The ability to set up direct deposit from your employer is also available. The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit of $5,000.00 or 15 withdrawals 500.00 per 24-hour periodday. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. In addition to our ATM withdrawal fee described below, an additional A fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Card Fee - Fee: $4.95 15.00 if purchaser is a member and orders ordered from a local branch, over the telephone or branch and $15.00 plus shipping as advised when ordering online. Express delivery Inactivity Fee: If no activity for twelve months, a monthly inactivity fee is of $15.00. ATM Fee - There is not an ATM transaction fee 3.00 per month will be assessed to the card but balance until the ATM itself may charge card is activated. Card Replacement / Reissue Fee: You will be charged a fee of $15.00 to replace a card that is lost or stolen, and to reissue a card due to a name change or damaged card. An Emergency card replacement can be requested if the PIN is blocked and/or circumstances request an immediate turnaround on shipping out the replacement card; there will be an extra cost of $35 assessed to the prepaid card for withdrawal within the US and overseas. There is a 1.00% transaction fee of transaction amount when used overseas. Bank Cash Advance Fee - There is a $0.00 fee per withdrawal in the US and elsewhere in the worldthis Emergency Card Replacement service.
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Using Your Card. The VISA Student Prepaid Card is a prepaid, reloadable stored-value card. It is neither not a credit card, nor a NCUA insured deposit account. This card is issued by Affinity Plus Federal Members Choice Financial Credit Union; pursuant to a license from Visa U.S.A, Inc. your Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The card may not be used at some merchants including non-financial money exchange establishments and gambling establishments. The maximum value credited to the Student Prepaid Card on issue is limited to $5,000.00500.00, and no more than $5,000.00 5000.00 can be available for use on the Card at any one time. Activate your Card by calling toll-free, (▇▇▇) ▇▇▇-▇▇▇▇ or visit visiting us online at ▇▇▇.▇▇▇▇▇▇▇://▇▇▇▇▇.▇▇▇/card-services/prepaid-cards/ or by calling ▇-▇▇▇-▇▇▇-▇▇▇▇. Your PIN will automatically be assigned after activation is complete. You will be required, for validation purposes, to provide personal information. During activation Once you will be given a Personal Identification Number (have your initial PIN). You , you may also select your own PIN. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card after activation. The Card is non-transferable. The person whom who purchases the card is purchased for Card is the only person authorized to use the Card. Please do not give your Card to anyone else to use. You may request four additional Cards when you order your Card for any user you authorize which will have to be separately activated and which can be used in the same way as the Card at ATMs and merchants that accept VISA debit cards. You are responsible for all authorized transactions made with this additional Card. Only the purchaser primary cardholder can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institutioninstitutions. When you use your Card at an automated gas station pump you will require a minimum of $75.00 100 available credit on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require of a minimum credit of $50.0015. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card to pre-authorize a hotel reservation any reservation, add 15% to the reservation. Any amount requested in a pre-authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If three 30 days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental businesses and/or cruise ship businesses, likewise add 15% to the rental rental/reservation to allow for any additional expenses expenses. If 30 days elapse without you authorizing an amount any pre-authorization will be cancelled and mail this will be available to you. Mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be as the final bill. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card. If your account is a personalized account, which is in good standing, and has greater than a $0 balance, it will be not less than 36 months after you purchased the Card. Your card will not automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction; , then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. You can review your Card balance and the last 5 transactions activity records by calling toll-free (▇-▇▇▇) -▇▇▇-▇▇▇▇ or by visiting ▇▇▇.▇▇▇▇▇▇▇://▇▇▇▇▇.▇▇▇ ▇/card-services/prepaid-cards/ where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your Affinity Plus Members Choice Financial Credit Union VISA Student Prepaid Card account number and some of the information requested when you ordered the Card are required for authentication. You can add value of at least $20.00 on your Student Prepaid Card by making a payment at your local Affinity Plus Members Choice Financial Credit Union branch. Student Cards Please bear in mind the number of loads on a Non-personalized card is limited to four including the initial load. Personalized cards have unlimited reload capabilities. You can also add value at ▇▇▇.▇▇▇▇▇▇▇://▇▇▇▇▇.▇▇▇ ▇/card-services/prepaid-cards/ or by calling toll free ▇-▇▇▇-▇▇▇-▇▇▇▇ by initiating funds transfer from your designated funding account. Funds may not be available for immediate use after you have initiated the transfer. You also have the ability to set up direct deposit to your prepaid card with your employer. The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit of $5,000.00 500 or 15 5 withdrawals per 24-hour period. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. In addition to our ATM withdrawal fee described below, an additional fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Service Fee (Enrollment); $5.00 Service Fee (Secondary Card Enrollment); $5.00 Pin Change Fee; $2.00 Foreign Exchange Processing; 1% Card Replacement Fee - (Lost/Stolen); $4.95 if purchaser is a member and orders from a local branch, over the telephone or online. Express delivery fee is 5.00 Customer Service Call Fee; $15.00. ATM Fee - There is not an ATM transaction fee assessed to the card but the ATM itself may charge a fee for withdrawal within the US and overseas. There is a 1.00% transaction fee of transaction amount when used overseas. Bank Cash Advance Fee - There is a $0.00 fee per withdrawal in the US and elsewhere in the world.3.00
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Using Your Card. The VISA Student Prepaid Card is a prepaid, reloadable stored-value card. It is neither not a credit card, nor a NCUA insured deposit account. This card is issued by Affinity Plus Federal Credit Union; Apple FCU, pursuant to a license from Visa U.S.A, Inc. your Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The maximum value credited to the Student Prepaid Card on issue is limited to $5,000.00, 5,000.00 and no more than $5,000.00 can be available for use on the Card at any one time. Activate your Card by calling toll-free, (▇▇▇) -▇▇▇-▇▇▇▇ or visit us online at ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇. You will be required, for validation purposes, to provide personal information. During activation you You will also be given a Personal Identification Number (PIN). You may also select PIN for your own PINPersonalized or Non Personalized Card which can be obtained by calling the customer support number. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN all merchants abroad equipped with a number that, while easy for you to remember, may be difficult for someone else to guessglobal chip & pin terminals. You may use your Card after activation. If you cannot remember your PIN, you must call customer support at anytime 24/7/365 to hear your PIN before making more than three (3) attempts at entering an incorrect PIN. It is important to remember your PIN because locking your PIN at a merchant terminal using an EMV chip card will require you to unlock the PIN before your International Prepaid Card can be used at another merchant EMV chip terminal again. To unlock your PIN, you must first call the customer support line to obtain your correct PIN, next, find any ATM that accepts EMV chip cards; using the correct PIN, perform a Balance Inquiry or Cash Withdrawal transaction; after this transaction is complete, the PIN will automatically be unlocked and you are free to use your International Prepaid Card again at any merchant and ATM worldwide. The Card is non-transferable. The person whom who purchases the card is purchased for Card is the only person authorized to use the Card. Please do not give your Card to anyone else to use. You may request four (4) additional Cards when you order your Card for any user you authorize which will have to be separately activated and which can be used in the same way as the Card at ATMs and merchants that accept VISA debit cards. You are responsible for all authorized transactions made with this additional Card. Only the purchaser can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. However, there can be times when a Visa merchant puts an item through without prior authorization. If an overdraft occurs, the cardholder will be required to either reload funds onto the card or make a payment to Cardholder Services to cover the negative amount. Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. When you use Cash-back is only available at US Visa merchants with your Card International Prepaid Card, it is not available at an automated gas station pump you will require a minimum of $75.00 available credit on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas stationinternational Visa merchants. If you use the Card to make a telephone call this can require of a minimum credit of $50.0015.00. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card to pre-authorize a hotel reservation any amount requested in a pre-authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If three seven (7) days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental businesses likewise add 15% to the rental to allow for any additional expenses and mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be the same as the final bill. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card. If your card is a personalized card, which is in good standing, and has greater than a $5 balance, it will be not less than 36 months after you purchased the Card. Your card will not automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise caution that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. If you have forgotten your PIN, call the customer support number ▇▇▇-▇▇▇-▇▇▇▇ immediately to hear your PIN, especially before you try to use it at a merchant or an ATM. It is very important to maintain the correct PIN because locking it out at a merchant’s EMV Chip terminal results in having to perform the process of unlocking the PIN before it can be used again at an EMV Chip merchant terminal. However, the card can still be used at any ATM’s worldwide that accept EMV Chip cards. . You will have up to three (3) attempts at entering a bad PIN before it locks., If you have locked your PIN, you must call the customer support number immediately, choose the option to “Hear Your PIN”, locate an ATM that accepts EMV Chip cards, perform a Balance Inquiry or Cash Withdrawal using the correct PIN in this ATM, complete the transaction, and the PIN will automatically be unlocked now. You can then go use your International Prepaid Card again at any merchant or ATM worldwide. For Your Safety When Using an ATM, Please Observe the Following If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction; , then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. Card Activity Information You can review your Card balance and the last 5 five (5) transactions activity records by calling toll-free (▇▇▇) -▇▇▇-▇▇▇▇ or by visiting ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your Affinity Plus Apple FCU VISA Student Prepaid Card account number and some of the information requested when you ordered the Card are required for authentication. Card Reloading You can add value of at least $20.00 50.00 on your Student Prepaid Card by making a payment at your local Affinity Plus Apple FCU branch. Student Cards Please bear in mind the number of loads on a Non- personalized card is limited to four including the initial load. Personalized cards have unlimited reload capabilities. You can also add value at ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ or by calling toll free ▇-▇▇▇-▇▇▇-▇▇▇▇ by initiating funds transfer from your designated funding account. Funds may not be available for immediate use after you have initiated the transfer. The ability to set up direct deposit from your employer is also available. ATM Usage The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit of $5,000.00 or 15 withdrawals 1,015 per 24-hour period. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. In addition to our ATM withdrawal fee described below, an additional A fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance Prepaid Card Account Fees and will be deducted from the Card. Charges Card Fee - $4.95 7.95 if purchaser is a member and orders ordered from a local branch, over the telephone or branch and $7.95 plus shipping as advised when ordering online. Express delivery fee is $15.00. ATM Secondary Card Fee - There is not an ATM transaction $7.95 plus shipping as advised when ordering online. Inactivity Fee - If no activity for twelve months, a monthly inactivity fee of $2.50 per month will be assessed to the card but balance until the ATM itself may charge card is activated. Card Replacement / Reissue Fee - You will be charged a fee of $5.00 to replace a card that is lost or stolen, and to reissue a card due to a name change or damaged card. An Emergency card replacement can be requested if the PIN is blocked and/or circumstances request an immediate turnaround on shipping out the replacement card; there will be an extra cost of $35 assessed to the prepaid card for withdrawal within the US and overseas. There is a 1.00% transaction fee of transaction amount when used overseas. Bank Cash Advance Fee - There is a $0.00 fee per withdrawal in the US and elsewhere in the worldthis Emergency Card Replacement service.
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Using Your Card. The VISA Student Card is a prepaid, reloadable stored-value card. It is neither a credit card, nor a NCUA insured deposit account. This card is issued by Affinity Plus Bank-Fund Staff Federal Credit Union; pursuant to a license from Visa U.S.A, Inc. your Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The card may not be used at some merchants including non-financial money exchange establishments and gambling establishments. The maximum value credited to the Student Card on issue is limited to $5,000.001,000, and no more than $5,000.00 1,000 can be available for use on the Card at any one time. Activate your Card by calling toll▇-free, (▇▇▇) -▇▇▇-▇▇▇▇ or visit us online at ▇▇▇▇▇▇.▇▇▇/▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇. You will be required, for validation purposes, to provide personal information. During activation you will be given a Personal Identification Number (PIN). You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card after activation. The Card is non-transferable. The person whom who purchases the card is purchased for Card is the only person authorized to use the Card. Please do not give your Card to anyone else to use. When you order your Card for any user you authorize which will have to be separately activated and which can be used in the same way as the Card at ATMs and merchants that accept VISA debit cards. You are responsible for all authorized transactions made with this additional Card. Only the purchaser primary cardholder can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back cashback on purchases and cash may be advanced at a Visa affiliated financial institution. When you use your Card at an automated gas station pump you will require a minimum of $75.00 75 available credit on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require of minimum credit of $50.0015. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card to pre-authorize a hotel reservation any amount requested in a pre-authorization preauthorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If three five days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental businesses likewise add 15% to the rental to allow for any additional expenses and mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be as the final bill. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card, which will be not less than 36 months after you purchased the Card. Your card If your account is in good standing, and has greater than a $0 balance, it will not automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction; , then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. You can review your Card balance and the last 5 transactions activity records by calling toll-free (▇-▇▇▇) -▇▇▇-▇▇▇▇ or by visiting ▇▇▇▇▇▇.▇▇▇/▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your Affinity Plus BFSFCU VISA Student Card account number and some of the information requested when you ordered the Card are required for authentication. You can add value of at least $20.00 50 on your Student Card by making a payment at your local Affinity Plus branch. Student Cards have unlimited reload capabilities. You can also add value at ▇▇▇▇▇▇.▇▇▇/▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ or by calling toll free ▇-▇▇▇-▇▇▇-▇▇▇▇ by initiating funds transfer from your designated funding account. Your Student Card has unlimited reload capabilities. Funds may not be available for immediate use after you have initiated the transfer. The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit of $5,000.00 200 or 15 2 withdrawals per 24-hour period. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. In addition to our ATM withdrawal fee described below, an additional fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Card Fee - $4.95 if purchaser is a member and orders from a local branch, over the telephone or online. Express delivery fee is $15.00. ATM Fee - There is not an ATM transaction fee assessed to the card but the ATM itself may charge a fee for withdrawal within the US and overseas. There is a 1.00% transaction fee of transaction amount when used overseas. Bank Cash Advance Fee - There is a $0.00 fee per withdrawal in the US and elsewhere in the world.
Appears in 1 contract
Using Your Card. The VISA Student Prepaid Card is a prepaid, reloadable stored-value card. It is neither a credit card, nor a NCUA insured deposit account. This card is issued by Affinity Plus Sioux Falls Federal Credit Union; pursuant to a license from Visa U.S.A, Inc. your Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The card may not be used at some merchants including non-financial money exchange establishments and gambling establishments. The maximum value credited to the Student Prepaid Card on issue is limited to $5,000.003,000.00, and no more than $5,000.00 3,000.00 can be available for use on the Card at any one time. Activate your Card by calling toll-free, (▇-▇▇▇) -▇▇▇-▇▇▇▇ or visit us online at ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇Manage Your Prepaid Card. You will be required, for validation purposes, to provide personal information. During activation you will be given a Personal Identification Number (PIN). You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card after activation. The Card is non-transferable. The person whom who purchases the card is purchased for Card is the only person authorized to use the Card. Please do not give your Card to anyone else to use. You may request four additional Cards when you order your Card for any user you authorize which will have to be separately activated and which can be used in the same way as the Card at ATMs and merchants that accept VISA debit cards. You are responsible for all authorized transactions made with this additional Card. Only the purchaser primary cardholder can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. When you use your Card at an automated gas station pump you will require a minimum of $75.00 99.00 available credit on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require of minimum credit of $50.0015.00. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card to pre-authorize a hotel reservation any amount requested in a pre-authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If three 3 days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental businesses likewise add 15% to the rental to allow for any additional expenses and mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be as the final bill▇▇▇▇. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card, which will be not less than 36 months after you purchased the Card. Your card We will not reissueautomatically reissue a new card when yours expires, but you can order a new card and transfer any remaining balance on the expired Card to the new one. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction; , and then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. You can review your Card balance and the last 5 transactions activity records by calling toll-free (▇-▇▇▇) -▇▇▇-▇▇▇▇ or by visiting ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ Manage Your Prepaid Card where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your Affinity Plus Sioux Falls Federal Credit Union VISA Student Prepaid Card account number and some of the information requested when you ordered the Card are required for authentication. You can add value of at least $20.00 on your Student Prepaid Card by making a payment at your local Affinity Plus Sioux Falls Federal Credit Union branch. Student Cards Please bear in mind the number of loads on a Non-personalized card is limited to four including the initial load. Personalized cards have unlimited reload capabilities. , however, as a fraud prevention measure we will limit the frequency of reloads to no more than five in any seven day period.. You can also add value at ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ Manage Your Prepaid Card or by calling toll free ▇1-▇▇▇866-▇▇▇-▇▇▇▇ 760- 3156 by initiating funds transfer from your designated Sioux Falls Federal Credit Union funding account. Funds may not be available for immediate use after you have initiated the transfer. The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit of $5,000.00 500 or 15 5 withdrawals per 24-hour period. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. In addition to our ATM withdrawal fee described below, an additional fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Card Fee - Fees: First card: $4.95 if purchaser is a member and orders from a local 10.00, including first load. Secondary cards: $5.00 Express Card Delivery Fee: $25.00 Reload Fee: $2.00/$3.00 (online/in-branch, over the telephone or online. Express delivery fee is ) to reload value onto your Visa prepaid Refund on Remaining Balance: $15.002.00 Card Replacement Fee: $10.00 Inactivity Fee: $5.00 per month after 12 months of non usage. ATM Fee - There is Transaction Fee: $1.00 Call Fees: Using interactive voice response line -- $0.75. Live operator -- $3.75 If we do not complete a transfer from the Card on time or in the correct amount according to these terms and conditions we will be liable for your losses or damages. However there are some exceptions. We will not be liable, for instance: If through no fault of ours, an ATM or merchant refuses to honor the Card. If through no fault of ours, you do not have enough money available on your Card to make a withdrawal or purchase. If the terminal or system was not working properly and it was known about when the transaction fee assessed to started. If circumstances beyond our control; (such as flood or fire) prevent the card but the ATM itself may charge a fee for withdrawal within the US transfer, despite reasonable precautions that we have taken. Other exceptions stated in these terms and overseas. There is a 1.00% transaction fee of transaction amount when used overseas. Bank Cash Advance Fee - There is a $0.00 fee per withdrawal in the US and elsewhere in the worldconditions.
Appears in 1 contract
Using Your Card. The International VISA Student Prepaid Card is a prepaid, reloadable stored-value card. It is neither not a credit card, nor a NCUA insured deposit account. This card is issued by Affinity Plus Federal Credit Union; InFirst FCU pursuant to a license from Visa U.S.A, Inc. your Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The maximum value credited to the Student Prepaid Card on issue is limited to $5,000.00, 3,000 and no more than $5,000.00 3,000 can be available for use on the Card at any one time. Activate your Card by calling toll-free, (▇▇▇) ▇▇▇-▇▇▇▇ or visit us online on line at ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ or by calling toll-free (▇▇▇) ▇▇▇-▇▇▇▇. You will be required, for validation purposes, to provide personal information. During activation you You will also be given a Personal Identification Number (PIN). You may also , and will have the opportunity to select a PIN of your own PINchoosing. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN all merchants abroad equipped with a number that, while easy for you to remember, may be difficult for someone else to guessglobal chip & pin terminals. You may use your Card after activation. If you cannot remember your PIN, you must call customer support at anytime 24/7/365 to hear or change your PIN. The Card is non-transferable. The person whom who purchases the card is purchased for Card is the only person authorized to use the Card. Please do not give your Card to anyone else to use. You are responsible for all authorized transactions made with this additional Card. Only the purchaser can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. However, there can be times when a Visa merchant puts an item through without prior authorization. If an overdraft occurs, the cardholder will be required to either reload funds onto the card or make a payment to Cardholder Services to cover the negative amount. Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. Cash-back is only available at US Visa merchants with your International VISA Prepaid Card, it is not available at international Visa merchants. When you use your Card at an automated gas station pump you will require a minimum of $75.00 100 available credit on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require of a minimum credit of $50.0015.00. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners lines operate a similar policy, usually 15%. Should you use your Card to pre-authorize a hotel reservation any amount requested in a pre-authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If three 7 days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental businesses likewise add 15% to the rental to allow for any additional expenses and mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be the same as the final bill. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card, which will be not less than 36 months after you purchased the Card. Your card will not reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise that any person If you have forgotten your PIN, call the customer support number (▇▇▇) ▇▇▇-▇▇▇▇ immediately to whom you may give an additional Card should be advised to treat the PIN for that Card in the same mannerhear or change your PIN. If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction; , then go to a well-populated area. If necessary, call the local police. Do not write your you're PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. You can review your Card balance and the last 5 transactions activity records by calling toll-free (▇▇▇) ▇▇▇-▇▇▇▇ or by visiting ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your Affinity Plus International VISA Student Prepaid Card account number and some of the information requested when you ordered the Card are required for authentication. You can add value of at least $20.00 on your Student Prepaid Card by making a payment at your local Affinity Plus InFirst FCU branch. Student Cards have unlimited reload capabilitiesPlease bear in mind the number of loads on a non-personalized card is limited to four, including the initial load. You can also add value at ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ or by calling toll free ▇-(▇▇▇-) ▇▇▇-▇▇▇▇ by initiating funds transfer from your designated funding account. Funds may not be available for immediate use after you have initiated the transfer. The frequency, amount, and timing of cash withdrawals made from ATMs; ATMs may be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit of $5,000.00 or 15 withdrawals 510 domestically and $610 internationally per 24-hour period. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. In addition to our ATM withdrawal fee described below, an additional A fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and Card Replacement Fee - You will be deducted from charged a fee of $10.00 to replace a card that is lost, stolen, or damaged. An Emergency card replacement can be requested if the Card. Card Fee - circumstances require an immediate turnaround on shipping out the replacement card; there will be an extra cost of $4.95 if purchaser is a member and orders from a local branch, over the telephone or online. Express delivery fee is $15.00. ATM Fee - There is not an ATM transaction fee 35 assessed to the prepaid card but the ATM itself may charge a fee for withdrawal within the US and overseas. There is a 1.00% transaction fee of transaction amount when used overseas. Bank Cash Advance Fee - There is a $0.00 fee per withdrawal in the US and elsewhere in the worldthis Emergency Card Replacement service.
Appears in 1 contract
Sources: International Visa Prepaid Card Terms and Conditions
Using Your Card. The VISA Student Prepaid Card is a prepaid, reloadable stored-value card. It is neither not a credit card, nor a NCUA insured deposit account. This card is issued by Affinity Plus Crane Federal Credit Union; , pursuant to a license from Visa U.S.A, Inc. your Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The maximum value credited to the Student Prepaid Card on issue is limited to $5,000.00, 1,000.00 and no more than $5,000.00 2,500.00 can be available for use on the Card at any one time. Activate your Card on line at ▇▇▇.▇▇▇▇▇▇▇.▇▇▇ or by calling toll-free, (▇▇▇) ▇▇▇-▇▇▇▇ or visit us online at ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇. You will be required, for validation purposes, to provide personal information. During activation you You will also be given a Personal Identification Number (PIN). You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN all merchants abroad equipped with a number that, while easy for you to remember, may be difficult for someone else to guessglobal chip & pin terminals. You may use your Card after activation. If you cannot remember your PIN, you must call customer support at anytime 24/7/365 to hear your PIN before making more than 3 attempts at entering an incorrect PIN. It is important to remember your PIN because locking your PIN at a merchant terminal using an EMV chip card will require you to unlock the PIN before your International Prepaid Card can be used at another merchant EMV chip terminal again. To unlock your PIN, you must first call the customer support line to obtain your correct PIN, next, find any ATM that accepts EMV chip cards; using the correct PIN, perform a Balance Inquiry or Cash Withdrawal transaction; after this transaction is complete, the PIN will automatically be unlocked and you are free to use your International Prepaid Card again at any merchant and ATM worldwide. The Card is non-transferable. The person whom who purchases the card is purchased for Card is the only person authorized to use the Card. Please do not give your Card to anyone else to use. You may request 4 additional Cards when you order your Card for any user you authorize which will have to be separately activated and which can be used in the same way as the Card at ATMs and merchants that accept VISA debit cards. You are responsible for all authorized transactions made with this additional Card. Only the purchaser can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. However, there can be times when a Visa merchant puts an item through without prior authorization. If an overdraft occurs, the cardholder will be required to either reload funds onto the card or make a payment to Cardholder Services to cover the negative amount. Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. When you use Cash-back is only available at US Visa merchants with your Card International Prepaid Card; it is not available at an automated gas station pump you will require a minimum of $75.00 available credit on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas stationinternational Visa merchants. If you use the Card to make a telephone call this can require of a minimum credit of $50.0015.00. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card to pre-authorize a hotel reservation any amount requested in a pre-pre- authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If three 7 days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental businesses likewise add 15% to the rental to allow for any additional expenses and mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be the same as the final bill. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card. If your card is a personalized card, which is in good standing, and has greater than a $0 balance, it will be not less than 36 months after you purchased the Card. Your card will not automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise caution that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. If you have forgotten your PIN, call the customer support number (▇▇▇) ▇▇▇-▇▇▇▇ immediately to hear your PIN, especially before you try to use it at a merchant or an ATM. It is very important to maintain the correct PIN because locking it out at a merchant’s EMV Chip terminal results in having to perform the process of unlocking the PIN before it can be used again at an EMV Chip merchant terminal. However, the card can still be used at any ATM’s worldwide that accept EMV Chip cards. . You will have up to 3 attempts at entering a bad PIN before it locks., If you have locked your PIN, you must call the customer support number immediately, choose the option to “Hear Your PIN”, locate an ATM that accepts EMV Chip cards, perform a Balance Inquiry or Cash Withdrawal using the correct PIN in this ATM, complete the transaction, and the PIN will automatically be unlocked now. You can then go use your International Prepaid Card again at any merchant or ATM worldwide. If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction; , then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. You can review your Card balance and the last 5 transactions activity records by calling toll-free (▇▇▇) ▇▇▇-▇▇▇▇ or by visiting ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your Affinity Plus Crane Federal Credit Union VISA Student Prepaid Card account number and some of the information requested when you ordered the Card are required for authentication. You can add value of at least $20.00 on your Student Prepaid Card by making a payment at your local Affinity Plus Crane Federal Credit Union branch. Student Cards Please bear in mind the number of loads on a Non- personalized card is limited to four including the initial load. Personalized cards have unlimited reload capabilities. You can also add value at ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ or by calling toll free ▇-(▇▇▇-) ▇▇▇-▇▇▇▇ by initiating funds transfer from your designated funding account. Funds may not be available for immediate use after you have initiated the transfer. The ability to set up direct deposit from your employer is also available. The frequency, amount, and timing of cash withdrawals made from ATMs; ATMs may be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit of $5,000.00 or 15 withdrawals 510 domestically and $610 internationally per 24-hour period. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. In addition to our ATM withdrawal fee described below, an additional A fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Card Fee - $4.95 8.95 if purchaser is a member and orders ordered from a local branch, over the telephone or branch and $8.95 plus shipping as advised when ordering online. Express delivery fee is $15.00. ATM Fee - There is not an ATM transaction fee assessed to the card but the ATM itself may charge a fee for withdrawal within the US and overseas. There is a 1.00% transaction fee of transaction amount when used overseas. Bank Cash Advance Fee - There is a $0.00 fee per withdrawal in the US and elsewhere in the world.
Appears in 1 contract
Using Your Card. The VISA Student Prepaid Card is a prepaid, reloadable stored-value card. It is neither not a credit card, nor a NCUA insured deposit account. This card is issued by Affinity Plus Federal American Southwest Credit Union; , pursuant to a license from Visa U.S.A, Inc. your Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The maximum value credited to the Student Prepaid Card on issue is limited to $5,000.00, 5,000 and no more than $5,000.00 5,000 can be available for use on the Card at any one time. Activate your Card on line at ▇▇▇▇://▇▇▇▇.▇▇▇/ or by calling toll-free, (▇▇▇) ▇▇▇-▇▇▇▇ or visit us online at ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇. You will be required, for validation purposes, to provide personal information. During activation you You will also be given a Personal Identification Number (PIN). You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN all merchants abroad equipped with a number that, while easy for you to remember, may be difficult for someone else to guessglobal chip & pin terminals. You may use your Card after activation. If you cannot remember your PIN, you must call customer support at anytime 24/7/365 to hear your PIN. The Card is non-transferable. The person whom who purchases the card is purchased for Card is the only person authorized to use the Card. Please do not give your Card to anyone else to use. You may request up to 4 additional Cards when you order your Card for any user you authorize which will have to be separately activated and which can be used in the same way as the Card at ATMs and merchants that accept VISA debit cards. You are responsible for all authorized transactions made with this additional Card. Only the purchaser can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. However, there can be times when a Visa merchant puts an item through without prior authorization. If an overdraft occurs, the cardholder will be required to either reload funds onto the card or make a payment to Cardholder Services to cover the negative amount. Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. Cash-back is only available at US Visa merchants with your International Prepaid Card, it is not available at international Visa merchants. When you use your Card at an automated gas station pump you will require a minimum of $75.00 99 available credit on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require of a minimum credit of $50.0015.00. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card to pre-authorize a hotel reservation any amount requested in a pre-pre- authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If three 7 days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental businesses likewise add 15% to the rental to allow for any additional expenses and mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be the same as the final bill. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card. If your card is a personalized card, which is in good standing, and has greater than a $0 balance, it will be not less than 36 months after you purchased the Card. Your card will not automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise caution that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. If you have forgotten your PIN, call the customer support number (▇▇▇) ▇▇▇-▇▇▇▇ immediately to hear your PIN. If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction; , then go to a well-populated area. If necessary, call the local police. Do not write your you're PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. You can review your Card balance and the last 5 transactions activity records by calling toll-free (▇▇▇) ▇▇▇-▇▇▇▇ or by visiting ▇▇▇.▇▇▇▇▇▇▇▇://▇▇▇▇.▇▇▇ ▇/ where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your Affinity Plus American Southwest Credit Union VISA Student Prepaid Card account number and some of the information requested when you ordered the Card are required for authentication. You can add value of at least $20.00 50.00 on your Student Prepaid Card by making a payment at your local Affinity Plus American Southwest Credit Union branch. Student Cards Please bear in mind the number of loads on a Non- personalized card is limited to four including the initial load. Personalized cards have unlimited reload capabilities. You can also add value at ▇▇▇.▇▇▇▇▇▇▇▇://▇▇▇▇.▇▇▇ ▇/ or by calling toll free ▇-(▇▇▇-) ▇▇▇-▇▇▇▇ by initiating funds transfer from your designated funding account. Funds may not be available for immediate use after you have initiated the transfer. The ability to set up direct deposit from your employer is also available. The frequency, amount, and timing of cash withdrawals made from ATMs; ATMs may be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit of $5,000.00 510 or 15 5 withdrawals per 24-hour periodperiod domestically, and $610 or 5 withdrawals internationally. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. In addition to our ATM withdrawal fee described below, an additional A fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Card Fee - $7.95 personalized / $5.95 non-personalized Secondary Card Fee - $4.95 if purchaser personalized / $3.95 non-personalized Express Delivery Fee - $20.00 Monthly Maintenance Fee – There is a member and orders from a local branch, over the telephone or online$2.00 monthly maintenance fee. Express delivery fee is $15.00. ATM Inactivity Fee - There is not an ATM transaction If no activity for 12 consecutive months, a monthly inactivity fee of $3.00 per month will be assessed to the card but balance until the ATM itself may charge a fee for withdrawal within balance reaches zero or the US and overseas. There card is a 1.00% transaction fee of transaction amount when used overseas. Bank Cash Advance Fee - There is a $0.00 fee per withdrawal in the US and elsewhere in the worldagain.
Appears in 1 contract
Using Your Card. The VISA Student Relationship Card is a prepaid, reloadable stored-value card. It is neither not a credit card, nor a NCUA insured deposit account. This card is issued by Affinity Plus Federal American Southwest Credit Union; pursuant to a license from Visa U.S.A, Inc. your Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The maximum value credited to the Student Relationship Card on issue is limited to $5,000.002,500, and no more than $5,000.00 2,500 can be available for use on the Card at any one time. Activate your Card by calling toll-free, (▇▇▇) ▇▇▇-▇▇▇▇ or visit visiting us online at ▇▇▇.▇▇▇▇▇▇▇▇://▇▇▇▇.▇▇▇▇ or calling toll-free, 1-866-901- 8090. You will be required, for validation purposes, to provide personal information. During activation you will be given a Personal Identification Number (PIN). You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card after activation. The Card is non-transferable. The person whom the card is purchased for is the only person authorized to use the Card. Please do not give your Card to anyone else to use. You are responsible for all authorized transactions made with this additional Card. Only the purchaser can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institutioninstitutions. When you use your Card at an automated gas station pump you will require a minimum of $75.00 99 available credit on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require of a minimum credit of $50.0015. If you use your Card to purchase meals or drinks drinks, many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases purchases, but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card to pre-authorize a hotel reservation any reservation, add 20% to the reservation. Any amount requested in a pre-authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If three thirty days elapse without you authorizing an amount amount, any pre-authorization will be cancelled and this will be available to you. Automobile rental businesses and/or cruise ship businesses, likewise add 15% to the rental to allow for any additional expenses expenses. If 30 days elapse without you authorizing an amount, any pre-authorization will be cancelled and mail this will be available to you. Mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be as the final bill. When making a purchase on the phone, by mail or online online, the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost cost, please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card. If your account is in good standing and has greater than a $0 balance, which it will be not less than 36 months after you purchased the Card. Your card will not automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation revocation, any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction; , then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. You can review your Card balance and the last 5 transactions transaction activity records by calling toll-free (▇-▇▇▇) -▇▇▇-▇▇▇▇ or by visiting ▇▇▇.▇▇▇▇▇▇▇▇://▇▇▇▇.▇▇▇ where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your Affinity Plus American Southwest CU VISA Student Relationship Card account number and some of the information requested when you ordered the Card are required for authentication. You can add value of at least $20.00 10 on your Student Relationship Card by making a payment at your local Affinity Plus American Southwest CU branch. Student Cards Please bear in mind the number of loads on a Non-personalized card is limited to four including the initial load. Personalized cards have unlimited reload capabilities. You can also add value at ▇▇▇.▇▇▇▇▇▇▇▇://▇▇▇▇.▇▇▇ or by calling toll free ▇-▇▇▇-▇▇▇-▇▇▇▇ by initiating funds transfer from your designated funding account. Funds may not be available for immediate use after you have initiated the transfer. The frequency, amount, and timing of cash withdrawals made from ATMs; ATMs may be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit of $5,000.00 510 or 15 5 withdrawals per 24-hour periodperiod domestically, and $610 or 5 withdrawals per 24-hour period internationally. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. In addition to our ATM withdrawal fee described below, an additional fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Card Fee - $4.95 if purchaser is a member and orders from a local branch, over the telephone or online. Express delivery fee is $15.00. ATM Fee - There is not an ATM transaction fee assessed to the card but the ATM itself may charge a fee for withdrawal within the US and overseas. There is a 1.00% transaction fee of transaction amount when used overseas. Bank Cash Advance Fee - There is a $0.00 1.00 ATM withdrawal fee per ATM withdrawal in the US and elsewhere in Account Maintenance Fee – There is a $2.00 monthly maintenance fee. Inactivity Fee – You will be charged a $3.00 monthly inactivity fee after 12 consecutive months of inactivity. This fee will continue until the worldbalance reaches zero or the card is used again. Card Replacement/Reissue Fee – You will be charged $10.00 to replace or reissue a lost, stolen, or damaged card.
Appears in 1 contract
Sources: Visa Reloadable Relationship Card Terms and Conditions
Using Your Card. The VISA Student Relationship Card is a prepaid, reloadable stored-value card. It is neither a credit card, nor a NCUA insured deposit account. This card is issued by Affinity Plus Federal Credit UnionAFFCU; pursuant to a license from Visa U.S.A, Inc. your Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The maximum value credited to the Student Relationship Card on issue is limited to $5,000.00, 2500.00 and no more than $5,000.00 2500.00 can be available for use on the Card at any one time. Activate your Card by calling toll-free, (▇-▇▇▇) -▇▇▇-▇▇▇▇ or visit us online at ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇. You will be required, for validation purposes, to provide personal information. During activation you will be given a Personal Identification Number (PIN). You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card after activation. The Card is non-transferable. The person whom the card is purchased for is the only person authorized to use the Card. Please do not give your Card to anyone else to use. You are responsible for all authorized transactions made with this additional Card. Only the purchaser can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. When you use your Card at an automated gas station pump you will require a minimum of $75.00 99 available credit may be required on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require of minimum credit of $50.0015. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card to pre-authorize a hotel reservation any reservation, add 20% to the reservation. Any amount requested in a pre-authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If three thirty days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental businesses and/or cruise ship businesses, likewise add 15% to the rental to allow for any additional expenses expenses. If 30 days elapse without you authorizing an amount any pre-authorization will be cancelled and mail this will be available to you. Mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be as the final bill. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card. If your account is a personalized account, which is in good standing, and has greater than a $0 balance, it will be not less than 36 months after you purchased the Card. Your card will not automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Addi- tional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction; , then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. You can review your Card balance and the last 5 transactions activity records by calling toll-free (▇-▇▇▇) -▇▇▇-▇▇▇▇ or by visiting ▇▇▇www.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ GoAFFCU. com where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your Affinity Plus AFFCU VISA Student Relationship Card account number and some of the information requested when you ordered the Card are required for authentication. You can add value of at least $20.00 10 on your Student Relationship Card by making a payment at your local Affinity Plus AFFCU branch. Student Cards Personalized cards have unlimited reload capabilities. You can also add value at ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ or by calling toll free ▇-▇▇▇-▇▇▇-▇▇▇▇ by initiating funds transfer from your designated funding account. Funds may not be available for immediate use after you have initiated the transfer. The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit of $5,000.00 or 15 withdrawals per 24-hour period. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. In addition to our ATM withdrawal fee described below, an additional A fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Card Fee - $4.95 if purchaser is a member and orders from a local branch, over the telephone or online. Express delivery fee is $15.00. ATM Fee - There is not an ATM transaction fee assessed to the card but the ATM itself may charge a fee for withdrawal within the US and overseas. There is a 1.00% transaction fee of transaction amount when used overseas. Bank Cash Advance Fee - There is a $0.00 fee per withdrawal in the US and elsewhere in the world.
Appears in 1 contract
Using Your Card. The Reloadable VISA Student Prepaid Card is a prepaid, reloadable stored-value card. It is neither not a credit card, nor a NCUA insured deposit account. This card is issued by Affinity Plus ▇▇▇▇▇▇ Federal Credit Union; , pursuant to a license from Visa U.S.A, Inc. your Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The maximum value credited to the Student Prepaid Card on issue is limited to $5,000.00, 5,000.00 and no more than $5,000.00 can be available for use on the Card at any one time. Activate your Card on line at ▇▇▇.▇▇▇▇▇▇▇▇▇.▇▇▇ or by calling toll-free, (▇▇▇) ▇▇▇-▇▇▇▇ ▇. For inquiries or visit us online at support call toll-free (▇▇▇.) ▇▇▇-▇▇▇▇▇▇▇▇▇.▇▇▇. You will be required, for validation purposes, to provide personal information. During activation you You will also be given a Personal Identification Number (PIN). You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN merchants abroad equipped with a number that, while easy for you to remember, may be difficult for someone else to guessglobal chip & pin terminals. You may use your Card after activation. If you cannot remember your PIN, you must call customer support at anytime 24/7/365 to hear your PIN. The Card is non-transferable. The person whom who purchases the card is purchased for Card is the only person authorized to use the Card. Please do not give your Card to anyone else to use. You may request up to 4 additional Cards when you order your Card for any user you authorize which will have to be separately activated and which can be used in the same way as the Card at most ATMs and merchants that accept VISA debit cards. You are responsible for all authorized transactions made with this additional Card. Only the purchaser can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. However, there can be times when a Visa merchant puts an item through without prior authorization. If an overdraft occurs, the cardholder will be required to either reload funds onto the card or make a payment to Cardholder Services to cover the negative amount. Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. Cash-back is only available at US Visa merchants with your Reloadable Prepaid Card, it is not available at International Visa merchants. When you use your Card at an automated gas station pump you will it may require a minimum of up to $75.00 100 available credit on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require of a minimum credit of $50.0015.00. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card to pre-authorize a hotel reservation any amount requested in a pre-pre- authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If three 7 days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental businesses likewise add 1520% to the rental to allow for any additional expenses and mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be the same as the final bill. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card. If your card is a personalized card, which is in good standing, and has greater than a $20 balance, it will be not less than 36 months after you purchased the Card. Your card will not automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below). Please refer to the “Fees” section for a list of fees that may apply. Applicable fees will be deducted from the card balance. We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise caution that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. If you have forgotten your PIN, call the customer support number (▇▇▇) ▇▇▇-▇▇▇▇ immediately to hear your PIN. If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction; , and then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. You can review your Card balance and the last 5 transactions activity records by calling toll-free (▇▇▇) -▇▇▇-▇▇▇▇ or by visiting ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your Affinity Plus ▇▇▇▇▇▇ Federal Credit Union Reloadable VISA Student Prepaid Card account number and some of the information requested when you ordered the Card are required for authentication. You can add value of at least $20.00 on your Student Prepaid Card by making a payment at your local Affinity Plus branch. Student Cards have unlimited reload capabilities. You can also add value online at ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ or by calling toll free ▇-(▇▇▇-) ▇▇▇-▇▇▇▇ by initiating to initiate a funds transfer from your designated funding account. Funds may not be available for immediate use after you have initiated the transfer. The ability to set up direct deposit from your employer is also available. The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. ATM use is subject to a domestic transaction withdrawal limit of $5,000.00 510 or 15 3 withdrawals per 24-hour period, and an international transaction withdrawal limit of $820 or 3 withdrawals per 24-hour period. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. In addition to our ATM withdrawal fee described below, an additional A fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and *Express Delivery Fee: You will be deducted from the Card. Card Fee - $4.95 if purchaser is a member and orders from a local branch, over the telephone or online. Express delivery fee is $15.00. ATM Fee - There is not charged an ATM transaction fee assessed to the card but the ATM itself may charge a fee for withdrawal within the US and overseas. There is a 1.00% transaction additional fee of transaction amount $45.00 when used overseasrequesting a Card order to be sent via express mail. Bank Cash Advance Monthly Maintenance Fee - – There is a $0.00 3.00 monthly maintenance fee. Inactivity Fee - If no activity for 12 months, a monthly inactivity fee of $3.50 per month will be assessed to the Card balance until the card is used again or the balance reaches zero. Card Replacement Fee - You will be charged a fee of $10.00 to replace a card that is lost or stolen. An Emergency Card replacement can be requested if the circumstances require an immediate turnaround on shipping out the Replacement Card; there will be an extra cost of $35 assessed to the prepaid card for this Emergency Card Replacement service. Card Reissue Fee – You will be charged a fee of $7.00 to reissue a Card in the event of a name change or damaged card. Domestic ATM Withdrawal Fee – There will be a $1.00 fee per withdrawal Domestic ATM withdrawals when done at a non-▇▇▇▇▇▇ FCU Branch ATM. International ATM Withdrawal Fee – There will be a $5.00 fee for each International ATM withdrawal. PIN Change Fee – There will be a $1.00 fee to change your PIN (you are allowed one free PIN change after each value load). IVR (Automated) Call Fee – You will be charged $1.00 per call to the automated system (your first two calls per month are free). Live Agent Transfer Fee – You will be charged $4.00 if you elect to speak to a live agent from the automated system. If a Card transaction is made in a currency other than that loaded on the US and elsewhere in Card, the worldamount will be converted into the appropriate currency at an exchange rate on the day the transaction is processed. The exchange rate used is the wholesale money market or the government- mandated rate increased by 2% (including the Visa® handling charge of 1%).
Appears in 1 contract
Using Your Card. The VISA Student Card is a prepaid, reloadable stored-value card. It is neither a credit card, nor a NCUA insured deposit account. This card is issued by Affinity Plus Federal the Ohio Educational Credit Union; pursuant to a license from Visa U.S.A, Inc. your Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The maximum value credited to the Student Card on issue is limited to $5,000.002500, and no more than $5,000.00 2500 can be available for use on the Card at any one time. Activate your Card by calling toll-free, (▇-▇▇▇) -▇▇▇-▇▇▇▇ or visit us online at ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇. You will be required, for validation purposes, to provide personal information. During activation you will be given a Personal Identification Number (PIN). You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card after activation. The Card is non-transferable. The person whom who purchases the card is purchased for Card is the only person authorized to use the Card. Please do not give your Card to anyone else to use. You may request four additional Cards when you order your Card for any user you authorize which will have to be separately activated and which can be used in the same way as the Card at ATMs and merchants that accept VISA debit cards. You are responsible for all authorized transactions made with this additional Card. Only the purchaser primary cardholder can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. When you use your Card at an automated gas station pump you will require a minimum of $75.00 20 available credit on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require of minimum credit of $50.0015. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card to pre-authorize a hotel reservation any amount requested in a pre-authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If three five days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental businesses likewise add 15% to the rental to allow for any additional expenses and mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be as the final bill. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card, which will be not less than 36 24 months after you purchased the Card. Your card If your account is a personalized account, is in good standing, and has greater than a $0 balance, it will not automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction; , then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. You can review your Card balance and the last 5 transactions activity records by calling toll-free (▇-▇▇▇) -▇▇▇-▇▇▇▇ or by visiting ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your Affinity Plus OHecu VISA Student Card account number and some of the information requested when you ordered the Card are required for authentication. You can add value of at least $20.00 20 on your Student Card by making a payment at your local Affinity Plus Ohio Educational Credit Union branch. Student Cards Please bear in mind the number of loads on a Non-personalized card is limited to four including the initial load. Personalized cards have unlimited reload capabilities. You can also add value at ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ or by calling toll free ▇-▇▇▇-▇▇▇-▇▇▇▇ by initiating funds transfer from your designated funding account. Funds may not be available for immediate use after you have initiated the transfer. The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit of $5,000.00 2,500 or 15 9 withdrawals per 24-hour period. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. In addition to our ATM withdrawal fee described below, an additional fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Card Additional Card Fee - $4.95 9.95 Card Fee - $9.95 if purchaser is a member and orders ordered from a local branch, over branch and $9.95 plus shipping as advised when ordering on the telephone or online. Express delivery fee is $15.00. ATM Reload Fee - There is not an $2.00 to reload value onto your Visa Student Card. (Please remember Non-Personalized cards are limited to 4 loads (3 when including the initial value load.) ATM transaction fee assessed to the card but the ATM itself may charge a fee for withdrawal within the US and overseas. There is a 1.00% transaction fee of transaction amount when used overseas. Bank Cash Advance Fee - There is a $0.00 1.00 ATM withdrawal fee per ATM withdrawal in the US and 1% elsewhere in the worldworld (see foreign exchange section below for details on foreign transactions). Account Inactivity Fee - You will be charged a fee of $2.55 each month, beginning on the 180th day of inactivity on the Card, as long as there is a balance remaining on the Card.
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Using Your Card. The VISA Student Limits on the Use of Your Card. These are the maximum itemized cash access and spending limits for the Card is a prepaid, reloadable stored-value card. It is neither a credit card, nor a NCUA insured deposit account. This card is issued by Affinity Plus Federal Credit Union; pursuant to a license from Visa U.S.A, Inc. your Card allows you to access your prepaid funds at ATMsAccount, which display limits may be modified from time to time depending on prior activity both on this account and on other transactions and also whether or not you have activated the Visa brandCard: Card purchases (Signature and PIN combined) Up to $5,000 per single transaction Up to $5,000 per day Up to $15,000 per month ATM withdrawals (Domestic) Up to $510 per single transaction Up to $510 per day Up to $3,000 per month ATM withdrawals (International) Up to $260 per single transaction Up to $260 per day Up to $1,500 per month Deposits/transfers Up to $15,000 within a 30-day period. You may also use your card at merchants who accept VISA debit cards worldwide. The maximum value credited Please note this limit applies to the Student Card on issue is limited to $5,000.00, and no more than $5,000.00 amount you can be available for use on the Card at any one time. Activate deposit or transfer into your Card by calling toll-free, (▇▇▇) ▇▇▇-▇▇▇▇ or visit us online at ▇▇▇.▇▇▇▇▇▇ ▇▇▇▇▇▇▇.▇▇▇▇ Account, between Services, and external accounts. The maximum amount on your card is $20,000. We reserve the right, in our sole discretion, to limit the amount, number or type of transactions you can make on your Card and any funding or reload of your Card. We may, in our sole discretion, further limit your use of the Card at ATMs, and, in addition to our limits, an ATM owner or operator may impose additional withdrawal limits. The Card is for personal use only. You will be requiredagree not to use the Card for business purposes. We may, in our sole discretion, close your Card if we determine that it is being used for validation business purposes, . We may refuse to provide personal information. During activation you will be given a Personal Identification Number (PIN)process any transaction that we believe may violate the law or the terms of this Agreement. You agree that you will: (i) not use the Card at unlawful domestic or international gambling web sites, or at payment processors supporting unlawful gambling web sites, or to purchase illegal goods or services; (ii) promptly notify us of any loss or theft of the Card; (iii) promptly notify us of the loss, theft, or unauthorized disclosure of any PIN used to access Card funds; and (iv) use the Card only as instructed. We may also select refuse to issue a Card, revoke or suspend your own PINCard privileges or cancel your Card with or without cause or notice, other than as required by applicable law. You will need your PIN to access cash from ATMs and agree not to use at Interlink merchants. Be sure or allow others to choose a PIN with a number thatuse an expired, while easy for you to rememberrevoked, may be difficult for someone else to guesscancelled, suspended or otherwise invalid Card. You may use your Card after activationto make purchases at any merchant that accepts Mastercard debit cards or debit cards of Interlink or other Card networks in which the Bank participates with respect to this Program (each a "Network"), subject to the available funds in your Card account, the transaction limits described below, and the other terms and conditions of this Agreement. The Card is non-transferable. The person whom the card is purchased for is the only person authorized to use the Card. Please If you do not give have enough funds available in your Card Account, you can instruct the merchant to anyone else to use. You are responsible for all authorized transactions made with this additional Card. Only charge a part of the purchaser can load funds purchase to the accountCard and pay the remaining amount using another payment method. You may These are called “split transactions.” Some merchants do not allow cardholders to conduct split transactions. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only use the Card when there is a balance exact amount of funds available on the Card and only up to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping your Card, your Card is likely to be declined. At the time of each purchase using the Card, you may be asked to sign a receipt for the transaction. The dollar amount left on of the Card and any transaction fee due. All use at an ATM or for purchases purchase will be deducted from your the value associated with the Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. When If you use your Card at an automated gas station pump you will require a minimum of fuel dispenser (“pay at the pump”), the merchant may preauthorize the transaction amount up to $75.00 available credit on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed)or more. If your available balance Card is less than thisdeclined, please even though you have sufficient funds available, pay for your purchase inside with the attendant in the gas station. If you use the Card to make a telephone call this can require of minimum credit of $50.00cashier. If you use your Card to at a restaurant, a hotel, or for similar purchases, the merchant may preauthorize the transaction amount for the purchase meals or drinks many restaurants and bars factor a tip into the price of amount plus up to 20% when pre-authorizing Card purchases but or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. Any preauthorization amount will place a “hold” on your available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorization amount on hold will be removed. It may take up to seven (7) days for the hold to be removed. During the hold period, you will only be debited with not have access to the actual amount you spendpreauthorized amount. Hotels and cruise liners operate a similar policy, usually 15%. Should If you use your Card to pre-authorize number without presenting your Card (such as for a hotel reservation any amount requested in a pre-authorization mail order, telephone, or Internet purchase), the legal effect will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If three days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental businesses likewise add 15% to the rental to allow for any additional expenses and mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be as the final bill. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for if you used the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this requestitself. Your Card will expire on the date embossed on the front of the Card, which will cannot be not less than 36 months after you purchased the Card. Your card will not reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued redeemed for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change cash except where required by law. Any entity honoring Each time you use your Card, you authorize us to reduce the value available in your Card is required Account by the amount of the transaction and any applicable fees. You are not allowed to obtain approval exceed the available amount in your Card Account through an individual transaction or authorization a series of transactions. Nevertheless, if a transaction exceeds the balance of the funds available on your Card, you shall remain fully liable to us for the amount of the transaction and any transactionapplicable fees. The balance available for authorizing We may deduct any amount that you owe us from any current or future funds associated with this or any other Card you activate or maintain. For security reasons, we may limit the number or amount of transactions you can make with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this AgreementCard. You do not have the right to stop payment on any purchase or payment transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to You may not make preauthorized regular payments from your Card in place of cash. We may suspend access to Account using your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or walletAccount’s direct deposit account number. If you permit someone else authorize a transaction and then fail to use your Card and you give make a purchase of that person your PINitem as planned, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise that any person to whom you the approval may give an additional Card should be advised to treat the PIN result in a hold for that Card in the same manner. If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need amount of funds for up to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched thirty (30) days or followed, cancel your transaction; then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. You can review your Card balance and the last 5 transactions activity records by calling toll-free (▇▇▇) ▇▇▇-▇▇▇▇ or by visiting ▇▇▇more.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your Affinity Plus VISA Student Card account number and some of the information requested when you ordered the Card are required for authentication. You can add value of at least $20.00 on your Student Card by making a payment at your local Affinity Plus branch. Student Cards have unlimited reload capabilities. You can also add value at ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ or by calling toll free ▇-▇▇▇-▇▇▇-▇▇▇▇ by initiating funds transfer from your designated funding account. Funds may not be available for immediate use after you have initiated the transfer. The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit of $5,000.00 or 15 withdrawals per 24-hour period. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. In addition to our ATM withdrawal fee described below, an additional fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Card Fee - $4.95 if purchaser is a member and orders from a local branch, over the telephone or online. Express delivery fee is $15.00. ATM Fee - There is not an ATM transaction fee assessed to the card but the ATM itself may charge a fee for withdrawal within the US and overseas. There is a 1.00% transaction fee of transaction amount when used overseas. Bank Cash Advance Fee - There is a $0.00 fee per withdrawal in the US and elsewhere in the world.
Appears in 1 contract
Sources: Cardholder Agreement
Using Your Card. The VISA Student Prepaid Card is a prepaid, reloadable stored-value card. It is neither a credit card, nor a NCUA insured deposit account. This card is issued by Affinity Plus Chessie Federal Credit Union; pursuant to a license from Visa U.S.A, Inc. your Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The maximum value credited to the Student Prepaid Card on issue is limited to $5,000.001000.00, and no more than $5,000.00 1000.00 can be available for use on the Card at any one time. Activate your Card by calling toll-free, (▇-▇▇▇) -▇▇▇-▇▇▇▇ or visit us online at ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇. You will be required, for validation purposes, to provide personal information. During activation you will be given a Personal Identification Number (PIN). You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card after activation. The Card is non-transferable. The person whom who purchases the card is purchased for Card is the only person authorized to use the Card. Please do not give your Card to anyone else to use. You may request four additional Cards when you order your Card for any user you authorize which will have to be separately activated and which can be used in the same way as the Card at ATMs and merchants that accept VISA debit cards. You are responsible for all authorized transactions made with this additional Card. Only the purchaser primary cardholder can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. When you use your Card at an automated gas station pump you will require a minimum of $75.00 74.00 available credit on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require of minimum credit of $50.00. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases purchases, but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card to pre-authorize a hotel reservation any amount requested in a pre-authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If three 3 days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental businesses likewise add 15% to the rental to allow for any additional expenses and mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be as the final bill. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card, which will be not less than 36 months after you purchased the Card. Your card If your account is a personalized account, is in good standing, and has greater than a $0 balance, it will not automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction; , and then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. You can review your Card balance and the last 5 transactions activity records by calling toll-free (▇-▇▇▇) -▇▇▇-▇▇▇▇ or by visiting ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your Affinity Plus Chessie VISA Student Prepaid Card account number and some of the information requested when you ordered the Card are required for authentication. You can add value of at least $20.00 .01 on your Student Prepaid Card by making a payment at your local Affinity Plus Chessie Federal Credit Union branch. Student Cards Please bear in mind the number of loads on a Non-personalized card is limited to four including the initial load. Personalized cards have unlimited reload capabilities. You can also add value at ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ or by calling toll free ▇-▇▇▇-▇▇▇-▇▇▇▇ by initiating funds transfer from your designated funding account. Funds may not be available for immediate use after you have initiated the transfer. The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit of $5,000.00 500 or 15 5 withdrawals per 24-hour period. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. In addition to our ATM withdrawal fee described below, an additional fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Additional Card Fee - $4.95 if purchaser is a member and orders 2.00. Card Fee - $3.00 Non Personalized from a local branch, . $3.00 over the telephone or onlinephone plus shipping. Express delivery fee is $15.005.00 Personalized. ATM Reload Fee - There is not an $1.00 to reload value onto your Visa Prepaid Card. (Please remember Non-Personalized cards are limited to 4 loads including the initial value load.) ATM transaction fee assessed to the card but the ATM itself may charge a fee for withdrawal within the US and overseas. There is a 1.00% transaction fee of transaction amount when used overseas. Bank Cash Advance Fee - There is a $0.00 1.00 ATM withdrawal fee per ATM withdrawal in the US and $1.00 elsewhere in the world. ATM Foreign Transaction Fee- There is a $2.00 foreign transaction fee at a Chessie ATM per withdrawal. Overdraft Fees - In the event your Card has a negative balance, you will pay us on demand the debit balance and you may be charged a $15.00 fee. Inactivity Fee- $2.00 fee applied after 365 days of inactivity. Card Replacement Fee- $10.00 Lost or Stolen Card Call Fee IVR- $0.75 ▇-▇▇▇-▇▇▇-▇▇▇▇ Customer Service Call Fee-$3.55 Balance Inquire Online – No Charge ▇▇▇.▇▇▇▇▇▇▇▇▇▇.▇▇▇
Appears in 1 contract
Using Your Card. The VISA Student Prepaid Card is a prepaid, reloadable stored-value card. It is neither a credit card, nor a NCUA insured deposit account. This card is issued by Affinity Plus Federal Achieva Credit Union; , pursuant to a license from Visa U.S.A, Inc. your Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The maximum value credited to the Student Prepaid Card on issue is limited to $5,000.00, 5,000.00 and no more than $5,000.00 can be available for use on the Card at any one time. Activate your Personalized Card by calling toll-free, (▇▇▇) ▇▇▇-▇▇▇▇ or visit us online at ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇www.achievacu. com/Home/Banking. Non Personalized Cards are activated upon load. You will be required, for validation valida- tion purposes, to provide personal information. During activation you You will also be given a Personal Identification Number (PIN). You may also select PIN for your own PINPersonalized or Non Personalized Card which can be obtained by calling the customer support number. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN all merchants abroad equipped with a number that, while easy for you to remember, may be difficult for someone else to guessglobal chip & pin terminals. You may use your Card after activation. If you cannot remember your PIN, you must call cus- tomer support at anytime 24/7/365 to hear your PIN before making more than 3 attempts at entering an incorrect PIN. It is important to remember your PIN because locking your PIN at a merchant outside the U.S. results in having to obtain a replacement card in order to continue using your International Prepaid Card at a merchant outside the U.S.; locking your PIN at an ATM will require waiting 24 hours for it to automatically unlock, and while waiting remember to call the customer support number to hear your correct PIN. The Card is non-transferable. The person whom who purchases the card is purchased for Card is the only person authorized to use the Card. Please do not give your Card to anyone else to use. You may request 4 additional Cards when you order your Card for any user you authorize which will have to be separately activated and which can be used in the same way as the Card at ATMs and merchants that accept VISA debit cards. You are responsible for all authorized transactions made with this additional Card. Only the purchaser can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. However, there can be times when a Visa merchant puts an item through without prior authorization. If an overdraft occurs, the cardholder will be required to either reload funds onto the card or make a payment to Cardholder Services to cover the negative amount. Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institutioninstitutions. When you use Cash-back is only available at US merchants with your Card International Prepaid Card, it is not available at an automated gas station pump you will require a minimum of $75.00 available credit on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas stationinternational merchants. If you use the Card to make a telephone call this can require of a minimum credit of $50.0015.00. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card to pre-authorize a hotel reservation any amount requested in a pre-authorization autho- rization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If three 7 days elapse without you authorizing an amount any pre-authorization autho- rization will be cancelled canceled and this will be available to you. Automobile rental businesses likewise add 15% to the rental to allow for any additional expenses and mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be the same as the final bill. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card. If your card is a personalized card, which is in good standing, and has greater than a $0 balance, it will be not less than 36 months after you purchased the Card. Your card will not automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased pur- chased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise caution that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. If you have forgotten your PIN, call the customer support number (▇▇▇) ▇▇▇-▇▇▇▇ immediately to hear your PIN, especially before you try to use it at a merchant or an ATM. It is very important to maintain the correct PIN because locking it out at a merchant outside the U.S. will result in having to replace your card in order to continue using it at merchants outside the U.S. You will have up to 3 attempts at entering a bad PIN before it locks, however, once it locks at a merchant, this card becomes unusable at merchants outside the U.S. and replacement is required by calling the customer support number. The card can still be used at merchants within the U.S. and at any ATM worldwide. If you lock the PIN while attempting to use it in an ATM, you will not need to replace the card, however, you must wait 24 hours for the system to unlock the PIN. During this waiting period, remember to call customer support to hear your correct PIN. If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction; , then go to a well-populated area. If necessary, call the local police. Do not write your you’re PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. You can review your Card balance and the last 5 transactions activity records by calling toll-free (▇▇▇) ▇▇▇-▇▇▇▇ or by visiting ▇▇▇.▇▇▇▇▇▇▇▇▇.▇▇▇./▇▇▇▇/▇▇▇▇▇▇▇ where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your Affinity Plus Achieva Credit Union VISA Student Prepaid Card account number and some of the information requested when you ordered the Card are required for authentication. You can add value of at least $20.00 on your Student Prepaid Card by making a payment at your local Affinity Plus Achieva Credit Union branch. Student Cards Please bear in mind the number of loads on a Non-personalized card is limited to four including the initial load. Personalized cards have unlimited reload capabilities. You can also add value at ▇▇▇.▇▇▇▇▇▇▇▇▇.▇▇▇./▇▇▇▇/▇▇▇▇▇▇▇ or by calling toll free ▇-(▇▇▇-) ▇▇▇-▇▇▇▇ by initiating funds transfer from your designated funding account. Funds may not be available for immediate use after you have initiated the transfer. The ability to set up direct deposit from your employer is also available. The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit of $5,000.00 605.00 or 15 3 withdrawals per 24-hour period. There may be other limitations on the types, frequency, and timing of cash withdrawals established estab- lished by us from time to time, without notice, for security purposes. In addition to our ATM withdrawal fee described below, an additional A fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Card Fee - Fee: $4.95 9.95 if purchaser is a member and orders ordered from a local branch, over the telephone or branch and $9.95 plus shipping as advised when ordering online. Express delivery Secondary Card Fee: $9.95 plus shipping as advised when ordering online. Inactivity Fee: If no activity for 12 months, a monthly inactivity fee is of $15.00. ATM Fee - There is not an ATM transaction fee 1.50 per month will be assessed to the card. Additional Charges for Transactions in a Foreign Currency and “Cross-Border” Transactions If a card but transaction is made in a currency other than that loaded on the ATM itself may Card, the amount will be converted into the appropriate currency at an exchange rate on the day the transaction is processed. The exchange rate used is the wholesale money market or the government-mandated rate increased by 1% (including the Visa® handling charge a fee for withdrawal within the US and overseas. There is a 1.00% transaction fee of transaction amount when used overseas. Bank Cash Advance Fee - There is a $0.00 fee per withdrawal in the US and elsewhere in the world1%).
Appears in 1 contract
Using Your Card. The VISA Student Prepaid Card is a prepaid, reloadable stored-value card. It is neither a credit card, nor a NCUA insured deposit account. This card is issued by Affinity Plus Federal Credit UnionAgFed; pursuant to a license from Visa U.S.A, Inc. your Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The card may not be used at some merchants including non-financial money exchange establishments and gambling establishments. The maximum value credited to the Student Prepaid Card on issue is limited to $5,000.00, 2500.00 and no more than $5,000.00 your card can be available for use on reloaded every 15 days. For the Card non-personalize card, the limit is $1000.00 and can be reloaded every 7 days at any one time$250 intervals. Activate your Card by calling toll-free, (▇-▇▇▇) -▇▇▇-▇▇▇▇ or visit us online at ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇. You will be required, for validation purposes, to provide personal information. During activation you will be given a Personal Identification Number (PIN). You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card after activation. The Card is non-transferable. The person whom who purchases the card is purchased for Card is the only person authorized to use the Card. Please do not give your Card to anyone else to use. You may request four additional Cards when you order your Card for any user you authorize which will have to be separately activated and which can be used in the same way as the Card at ATMs and merchants that accept VISA debit cards. You are responsible for all authorized transactions made with this additional Card. Only the purchaser primary cardholder can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. When you use your Card at an automated gas station pump you will require a minimum of $75.00 74 available credit on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require of minimum credit of $50.0015. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card to pre-authorize a hotel reservation any reservation, add 15% to the reservation. Any amount requested in a pre-authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If three 30 days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental businesses and/or cruise ship businesses, likewise add 15% to the rental rental/reservation to allow for any additional expenses expenses. If 30 days elapse without you authorizing an amount any pre-authorization will be cancelled and mail this will be available to you. Mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be as the final bill. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card, which will be not less than 36 months after you purchased the Card. Your card If your account is a personalized account, is in good standing, and has greater than a $0 balance, it will not automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized au- thorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction; , then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. You can review your Card balance and the last 5 transactions activity records by calling toll-free (▇-▇▇▇) -▇▇▇-▇▇▇▇ or by visiting ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your Affinity Plus AgFed VISA Student Prepaid Card account number and some of the information requested when you ordered the Card are required for authentication. You can add value of at least $20.00 25 on your Student Prepaid Card by making a payment at your local Affinity Plus AgFed branch. Student Cards Please bear in mind the number of loads on a Non-personalized card is limited to four including the initial load. Personalized cards have unlimited reload capabilities. You can also add value at ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ or by calling toll free ▇-▇▇▇-▇▇▇-▇▇▇▇ by initiating funds transfer from your designated funding account. Funds may not be available for immediate use after you have initiated the transfer. The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit of $5,000.00 or 15 withdrawals per 24-hour period500. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. In addition to our ATM withdrawal fee described below, an additional fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Card Fee - $4.95 3.95 if purchaser is a member and orders ordered from a local branch, over branch and $3.95 plus shipping as advised when ordering on the telephone or online. Express delivery fee is $15.00. ATM Fee - There is not an ATM transaction fee assessed to the card but the ATM itself may charge a fee for withdrawal within the US and overseas. There is a 1.00% transaction fee of transaction amount when used overseas. Bank Cash Advance Fee - There is a $0.00 2.00 ATM withdrawal fee per ATM withdrawal in the US and elsewhere in the world. Overdraft Fees - In the event your Card has a negative balance, you will pay us on demand the debit balance and you may be charged a $33 fee.
Appears in 1 contract
Sources: Prepaid Card Terms and Conditions
Using Your Card. The VISA Student Prepaid Card is a prepaid, reloadable stored-value card. It is neither a credit card, nor a NCUA FDIC insured deposit account. This card is issued by Affinity Plus ▇▇▇▇▇▇ Federal Credit Union; pursuant to a license from Visa U.S.A, Inc. your Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The maximum value credited to the Student Prepaid Card on issue is limited to $5,000.003000, and no more than $5,000.00 3000 can be available for use on the Card at any one time. Activate your Card by calling toll-free, (▇-▇▇▇) -▇▇▇-▇▇▇▇ or visit us online at ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇. You will be required, for validation purposes, to provide personal information. During activation you will be given a Personal Identification Number (PIN). You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card after activation. The Card is non-transferable. The person whom who purchases the card is purchased for Card is the only person authorized to use the Card. Please do not give your Card to anyone else to use. You may request two additional Cards when you order your Card for any user you authorize which will have to be separately activated and which can be used in the same way as the Card at ATMs and merchants that accept VISA debit cards. You are responsible for all authorized transactions made with this additional Card. Only the purchaser primary cardholder can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. When you use your Card at an automated gas station pump you will require a minimum of $75.00 50 available credit on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require of minimum credit of $50.0015. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card to pre-authorize a hotel reservation any amount requested in a pre-authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If three five days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental businesses likewise add 15% to the rental to allow for any additional expenses and mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be as the final bill. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost cost, please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card, which will be not less than 36 months after you purchased the Card. Your card If your account is a personalized account, is in good standing, and has greater than a $0 balance, it will not automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card Card, and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction; , then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. You can review your Card balance and the last 5 transactions activity records by calling toll-free (▇-▇▇▇) -▇▇▇-▇▇▇▇ or by visiting ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your Affinity Plus ▇▇▇▇▇▇ FCU VISA Student Prepaid Card account number and some of the information requested when you ordered the Card are required for authentication. You can add value of at least $20.00 0 on your Student Prepaid Card by making a payment at your local Affinity Plus ▇▇▇▇▇▇ Federal Credit Union branch. Student Cards Please bear in mind the number of loads on a Non-personalized card is limited to three including the initial load. Personalized cards have unlimited reload capabilities. You can also add value at ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ or by calling toll free ▇-▇▇▇-▇▇▇-▇▇▇▇ by initiating funds transfer from your designated funding account. Funds may not be available for immediate use after you have initiated the transfer. The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit of $5,000.00 19 or 15 3 withdrawals per 24-hour period. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. In addition to our ATM withdrawal fee described below, an additional fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Card Fee - $4.95 if purchaser is a member and orders from a local branch, over the telephone or online. Express delivery fee is $15.00. ATM Fee - There is not an ATM transaction fee assessed to the card but the ATM itself may charge a fee for withdrawal within the US and overseas. There is a 1.00% transaction fee of transaction amount when used overseas. Bank Cash Advance Fee - There is a $0.00 fee per withdrawal in the US and elsewhere in the world.
Appears in 1 contract
Sources: Prepaid Card Terms and Conditions
Using Your Card. The VISA Student Prepaid Card is a prepaid, reloadable stored-value card. It is neither a credit card, nor a NCUA insured deposit account. This card is issued by Affinity Plus Sioux Falls Federal Credit Union; pursuant to a license from Visa U.S.A, Inc. your Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The card may not be used at some merchants including non-financial money exchange establishments and gambling establishments. The maximum value credited to the Student Prepaid Card on issue is limited to $5,000.003,000.00, and no more than $5,000.00 3,000.00 can be available for use on the Card at any one time. Activate your Card by calling toll-free, (▇-▇▇▇) -▇▇▇-▇▇▇▇ or visit us online at ▇▇▇.▇▇://▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/spend/personal/prepaid-cards. You will be required, for validation purposes, to provide personal information. During activation you will be given a Personal Identification Number (PIN). You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card after activation. The Card is non-transferable. The person whom who purchases the card is purchased for Card is the only person authorized to use the Card. Please do not give your Card to anyone else to use. You may request four additional Cards when you order your Card for any user you authorize which will have to be separately activated and which can be used in the same way as the Card at ATMs and merchants that accept VISA debit cards. You are responsible for all authorized transactions made with this additional Card. Only the purchaser primary cardholder can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. When you use your Card at an automated gas station pump you will require a minimum of $75.00 99.00 available credit on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require of minimum credit of $50.0015.00. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card to pre-authorize a hotel reservation any amount requested in a pre-authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If three 3 days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental businesses likewise add 15% to the rental to allow for any additional expenses and mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be as the final bill▇▇▇▇. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card, which will be not less than 36 months after you purchased the Card. Your card We will not reissueautomatically reissue a new card when yours expires, but you can order a new card and transfer any remaining balance on the expired Card to the new one. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction; , and then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. You can review your Card balance and the last 5 transactions activity records by calling toll-free (▇-▇▇▇) -▇▇▇-▇▇▇▇ or by visiting ▇▇▇.▇▇://▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ ▇/spend/personal/prepaid- cards where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your Affinity Plus Sioux Falls Federal Credit Union VISA Student Prepaid Card account number and some of the information requested when you ordered the Card are required for authentication. You can add value of at least $20.00 on your Student Prepaid Card by making a payment at your local Affinity Plus Sioux Falls Federal Credit Union branch. Student Cards Please bear in mind the number of loads on a Non-personalized card is limited to four including the initial load. Personalized cards have unlimited reload capabilities. , however, as a fraud prevention measure we will limit the frequency of reloads to no more than five in any seven day period.. You can also add value at ▇▇▇.▇▇://▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ ▇/spend/personal/prepaid-cards or by calling toll free ▇1-▇▇▇866-▇▇▇-▇▇▇▇ 760- 3156 by initiating funds transfer from your designated Sioux Falls Federal Credit Union funding account. Funds may not be available for immediate use after you have initiated the transfer. The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit of $5,000.00 500 or 15 5 withdrawals per 24-hour period. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. In addition to our ATM withdrawal fee described below, an additional fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Get started Card purchase $10.00 Fee - per each Primary Card Account enrollment Secondary Card $4.95 if purchaser 5.00 Fee per each additional card added to the Primary Account Express Delivery $25.00 Fee per each Expedited Card Delivery requested Monthly usage Inactivity Fee $5.00 Monthly fee assessed after 12 months of inactivity. Add money Value Reload $2.00 Fee per each value reload Direct Deposit $0.00 Not available. Spend Money Purchase Transaction $0.00 Fee per purchase transaction Get Cash ATM Withdrawals $1.00 This is a member and orders from a local branchour fee, over the telephone or online. Express delivery an additional fee is $15.00. ATM Fee - There is not may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry. Cash Advance $0.00 Fee per cash advance transaction Information Customer Service (automated) $0.00 No fee assessed to for calling our automated customer service line, including for balance inquiries. Customer Service (live agent) $3.75 Fee is charged for calling our live customer service agents, including for balance inquiries. Using your card outside the card but US Foreign Exchange Transaction 1% Of the U.S. dollar amount of each transaction. International ATM Withdrawal $1.00 This is our fee. You may also be charged a fee by the ATM itself may charge operator, even if you do not complete a fee transaction. Other Inactive Account $5.00 You will be charged $5.00 each month after you have not completed a transaction using your card for withdrawal within 12 months after card activation. Card Reissue $10.00 Per each card reissue requested Lost Stolen Card Replacement $10.00 Per each card replacement requested Treat this card like cash. Not NCUA insured. Your funds will be held at or transferred to Sioux Falls Federal Credit Union. If Sioux Falls Federal Credit Union fails, you are not protected by NCUA share insurance and could lose some or all of your money. No overdraft/credit feature. Contact Cardholder Services, Inc by calling ▇▇▇-▇▇▇-▇▇▇▇, by mail at Cardholder Services ▇.▇. ▇▇▇ ▇▇▇▇▇▇ ▇▇. ▇▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇, or visit ▇▇▇▇▇://▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇▇.▇▇▇/▇▇▇▇▇.▇▇▇?&clientkey=108930%20Sioux%20Falls%20FCU For general information about prepaid accounts, visit ▇▇▇▇.▇▇▇/▇▇▇▇▇▇▇. If you have a complaint about a prepaid account, call the US and overseasConsumer Financial Protection Bureau at ▇-▇▇▇-▇▇▇-▇▇▇▇ or visit ▇▇▇▇.▇▇▇/▇▇▇▇▇▇▇▇▇. There is If we do not complete a 1.00% transaction fee of transaction amount when used overseas. Bank Cash Advance Fee - There is a $0.00 fee per withdrawal transfer from the Card on time or in the US correct amount according to these terms and elsewhere conditions we will be liable for your losses or damages. However there are some exceptions. We will not be liable, for instance: • If through no fault of ours, an ATM or merchant refuses to honor the Card. • If through no fault of ours, you do not have enough money available on your Card to make a withdrawal or purchase. • If the terminal or system was not working properly and it was known about when the transaction started. • If circumstances beyond our control; (such as flood or fire) prevent the transfer, despite reasonable precautions that we have taken. • Other exceptions stated in the worldthese terms and conditions.
Appears in 1 contract
Using Your Card. The VISA Student Prepaid Card is a prepaid, reloadable stored-value card. It is neither not a credit card, nor a NCUA insured deposit account. This card is issued by Affinity Plus Federal Credit Union; Apple FCU, pursuant to a license from Visa U.S.A, Inc. your Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The maximum value credited to the Student Prepaid Card on issue is limited to $5,000.00, 5,000.00 and no more than $5,000.00 can be available for use on the Card at any one time. Activate your Card by calling toll-free, (▇▇▇) -▇▇▇-▇▇▇▇ or visit us online at ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇. You will be required, for validation purposes, to provide personal information. During activation you You will also be given a Personal Identification Number (PIN). You may also select PIN for your own PINPersonalized or Non Personalized Card which can be obtained by calling the customer support number. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN all merchants abroad equipped with a number that, while easy for you to remember, may be difficult for someone else to guessglobal chip & pin terminals. You may use your Card after activation. If you cannot remember your PIN, you must call customer support at anytime 24/7/365 to hear your PIN before making more than three (3) attempts at entering an incorrect PIN. It is important to remember your PIN because locking your PIN at a merchant terminal using an EMV chip card will require you to unlock the PIN before your International Prepaid Card can be used at another merchant EMV chip terminal again. To unlock your PIN, you must first call the customer support line to obtain your correct PIN, next, find any ATM that accepts EMV chip cards; using the correct PIN, perform a Balance Inquiry or Cash Withdrawal transaction; after this transaction is complete, the PIN will automatically be unlocked and you are free to use your International Prepaid Card again at any merchant and ATM worldwide. The Card is non-transferable. The person whom who purchases the card is purchased for Card is the only person authorized to use the Card. Please do not give your Card to anyone else to use. You may request four (4) additional Cards when you order your Card for any user you authorize which will have to be separately activated and which can be used in the same way as the Card at ATMs and merchants that accept VISA debit cards. You are responsible for all authorized transactions made with this additional Card. Only the purchaser can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. However, there can be times when a Visa merchant puts an item through without prior authorization. If an overdraft occurs, the cardholder will be required to either reload funds onto the card or make a payment to Cardholder Services to cover the negative amount. Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. When you use Cash-back is only available at US Visa merchants with your Card International Prepaid Card, it is not available at an automated gas station pump you will require a minimum of $75.00 available credit on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas stationinternational Visa merchants. If you use the Card to make a telephone call this can require of a minimum credit of $50.0015.00. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card to pre-authorize a hotel reservation any amount requested in a pre-authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If three seven (7) days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental businesses likewise add 15% to the rental to allow for any additional expenses and mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be the same as the final bill. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card. If your card is a personalized card, which is in good standing, and has greater than a $5 balance, it will be not less than 36 months after you purchased the Card. Your card will not automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise caution that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. If you have forgotten your PIN, call the customer support number ▇▇▇-▇▇▇-▇▇▇▇ immediately to hear your PIN, especially before you try to use it at a merchant or an ATM. It is very important to maintain the correct PIN because locking it out at a merchant’s EMV Chip terminal results in having to perform the process of unlocking the PIN before it can be used again at an EMV Chip merchant terminal. However, the card can still be used at any ATM’s worldwide that accept EMV Chip cards. . You will have up to three (3) attempts at entering a bad PIN before it locks., If you have locked your PIN, you must call the customer support number immediately, choose the option to “Hear Your PIN”, locate an ATM that accepts EMV Chip cards, perform a Balance Inquiry or Cash Withdrawal using the correct PIN in this ATM, complete the transaction, and the PIN will automatically be unlocked now. You can then go use your International Prepaid Card again at any merchant or ATM worldwide. If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction; , then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. You can review your Card balance and the last 5 five (5) transactions activity records by calling toll-free (▇▇▇) -▇▇▇-▇▇▇▇ or by visiting ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your Affinity Plus Apple FCU VISA Student Prepaid Card account number and some of the information requested when you ordered the Card are required for authentication. You can add value of at least $20.00 50.00 on your Student Prepaid Card by making a payment at your local Affinity Plus Apple FCU branch. Student Cards Please bear in mind the number of loads on a Non- personalized card is limited to four including the initial load. Personalized cards have unlimited reload capabilities. You can also add value at ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ or by calling toll free ▇-▇▇▇-▇▇▇-▇▇▇▇ by initiating funds transfer from your designated funding account. Funds may not be available for immediate use after you have initiated the transfer. The ability to set up direct deposit from your employer is also available. The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit of $5,000.00 or 15 withdrawals 515 per 24-hour period. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. In addition to our ATM withdrawal fee described below, an additional A fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Card Fee - $4.95 7.95 if purchaser is a member and orders ordered from a local branch, over the telephone or branch and $7.95 plus shipping as advised when ordering online. Express delivery fee is $15.00. ATM Inactivity Fee - There is not an ATM transaction If no activity for twelve months, a monthly inactivity fee of $2.50 per month will be assessed to the card but balance until the ATM itself may charge card is activated. Card Replacement / Reissue Fee - You will be charged a fee of $5.00 to replace a card that is lost or stolen, and to reissue a card due to a name change or damaged card. An Emergency card replacement can be requested if the PIN is blocked and/or circumstances request an immediate turnaround on shipping out the replacement card; there will be an extra cost of $35 assessed to the prepaid card for withdrawal within the US and overseas. There is a 1.00% transaction fee of transaction amount when used overseas. Bank Cash Advance Fee - There is a $0.00 fee per withdrawal in the US and elsewhere in the worldthis Emergency Card Replacement service.
Appears in 1 contract
Using Your Card. The VISA Student General Purpose Card is a prepaid, reloadable stored-value card. It is neither a credit card, nor a NCUA insured deposit account. This card is issued by Affinity Plus Federal First South Financial Credit Union; pursuant to a license from Visa U.S.A, Inc. your Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card Card at merchants who accept VISA debit cards worldwide. The maximum value credited to the Student General Purpose Card on issue is limited to $5,000.005000, and no more than $5,000.00 5000 can be available for use on the Card at any one time. Activate your Card by calling toll-free, (▇▇▇) ▇▇▇1-▇▇▇▇ 866- 760-3156 or visit us online at ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇. You will be required, for validation purposes, to provide personal information. During activation you will be given a Personal Identification Number (PIN). You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card after activation. The Card is non-transferable. The person whom who purchases the card is purchased for Card is the only person authorized to use the Card. Please do not give your Card to anyone else to use. You may request two additional Cards when you order your Card for any user you authorize which will have to be separately activated and which can be used in the same way as the Card at ATMs and merchants that accept VISA debit cards. You are responsible for all authorized transactions made with this additional Card. Only the purchaser primary cardholder can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. When you use your Card at an automated gas station pump you will require a minimum of $75.00 50 available credit on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require of minimum credit of $50.0015. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card to pre-authorize a hotel reservation any amount requested in a pre-pre- authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If three days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental businesses likewise add 15% to the rental to allow for any additional expenses and mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be as the final bill. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card, which will be not less than 36 months after you purchased the Card. Your card If your account is a personalized account, is in good standing, and has greater than a $9.95 balance, it will not automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. For Your Safety When Using an ATM, Please Observe the Following: If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction; transaction and then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. Note: Activity is being recorded by hidden cameras at ATM locations in New York City and/or as required by local regulations. You can review your Card balance and the last 5 transactions activity records by calling toll-free (▇▇▇) ▇▇▇1-▇▇▇▇ 866- 760-3156 or by visiting ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your Affinity Plus First South Financial VISA Student General Purpose Card account number and some of the information requested when you ordered the Card are required for authentication. You can add value of at least $20.00 50 on your Student General Purpose Card by making a payment at your local Affinity Plus branchFirst South Financial banking center. Student Cards Please bear in mind the number of loads on a Non-personalized card is limited to three including the initial load. Personalized cards have unlimited reload capabilities. You can also add value at ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ or by calling toll free ▇-▇▇▇-▇▇▇-▇▇▇▇ by initiating funds transfer from your designated funding account. Funds may not be available for immediate use after you have initiated the transfer. The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit of $5,000.00 500 domestic or 15 $1000 international or 5 withdrawals per 24-hour period. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. In addition to our ATM withdrawal fee described below, an additional fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Additional Card Fee - $4.95 if purchaser is a member and orders from a local branch, over the telephone or online. 5.00 per card Monthly Maintenance fee - $5.00 per card Express delivery fee is shipping charges - $15.00. ATM 25.00 per card Card Replacement Fee - There is not an ATM transaction fee assessed to the $10.00 per card but the ATM itself may charge a fee for withdrawal within the US and overseas. There is a 1.00% transaction fee of transaction amount when used overseas. Bank Cash Advance Fee - There is a $0.00 fee per withdrawal in the US and elsewhere in the world.+ overnight shipping (if applicable)
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Using Your Card. The VISA Student Prepaid Card is a prepaid, reloadable stored-value card. It is neither a credit card, nor a NCUA insured deposit account. This card is issued by Affinity Plus Federal VyStar Credit Union; pursuant to a license from Visa U.S.A, Inc. your Your Card allows you to access your prepaid funds at ATMs, ATMs which display the Visa ACCEL brand. You may also use your card at merchants who accept VISA debit cards worldwide. The card may not be used at some merchants including non-financial money exchange establishments and gambling establishments. The maximum value credited to the Student Prepaid Card on issue is limited to $5,000.00500, and no more than $5,000.00 2,500 can be available for use on the Card at any one time. A maximum of $500 can be loaded at one time, with a maximum amount of 8 loads in a rolling 30 days. Activate your Card by calling toll-free, (▇-▇▇▇) -▇▇▇-▇▇▇▇ or visit us online at ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇. You will be required, for validation purposes, to provide personal information. During activation you will be given a Personal Identification Number (PIN)PIN over the phone. You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card after activation. The Card is non-transferable. The person whom who purchases the card is purchased for Card is the only person authorized to use the Card. Please do not give your Card to anyone else to use. You may request up to two additional Cards when you order your Card for any user you authorize which will have to be separately activated and which can be used in the same way as the Card at ATMs and merchants that accept VISA debit cards. The additional cardholders must not give their Card to anyone else to use. You are responsible for all authorized transactions made with this these additional CardCard(s). Only the purchaser primary cardholder can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. Some Interlink ACCEL and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. When you use your Card at an automated gas station pump you will require a minimum of $75.00 available credit on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require of minimum credit of $50.00. If you use your Card to purchase meals or drinks many restaurants and bars may factor a tip into the price of up to 20% when pre-authorizing Card purchases purchases, but you will only be debited with the actual amount you spend. Hotels and cruise liners may operate a similar policy, usually 15%. Should you use your Card to pre-authorize a hotel reservation any amount requested in a pre-pre- authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If three 30 days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental businesses likewise may add 15% to the rental to allow for any additional expenses expenses, and mail order companies often add a similar amount for potential shipping costs costs, although the amount finally debited will be as the final bill▇▇▇▇. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card, which will be not less than 36 months after you purchased the Card. Your card will not reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction; , then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. You can review your Card balance and the last 5 transactions activity records by calling toll-free (▇▇▇) ▇▇▇1-▇▇▇▇ 866- 760-3156 or by visiting ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your Affinity Plus VyStar Credit Union VISA Student Prepaid Card account number and some of the information requested when you ordered the Card are required for authentication. You can add value of at least $20.00 25.00 on your Student Card by making a payment at your local Affinity Plus branch. Student Cards have unlimited reload capabilities. You can also add value at ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ or by calling toll free ▇-▇▇▇-▇▇▇-▇▇▇▇ by initiating funds transfer from your designated funding account. Reloads are limited to 8 in a rolling 30 days. Funds may not be available for immediate use after you have initiated the transfer. The frequency, amount, and timing of cash withdrawals made from ATMs; ATMs may be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit of $5,000.00 or 15 withdrawals per 24-hour period. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. In addition to our ATM withdrawal fee described below, an additional fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Card Maintenance Fee* - $2.50 Express Delivery Fee - $4.95 if purchaser is a member and orders from a local branch, over the telephone or online. Express delivery fee is $15.00. ATM 25.00 Card Replacement Fee - There is not an ATM transaction $10.00 *Maintenance Fee: You must have available funds to pay for the monthly maintenance fee. The fee assessed to will be charged 30 days after the purchase of the card but the ATM itself may charge a fee for withdrawal within the US and overseas. There is a 1.00% transaction fee of transaction amount when used overseas. Bank Cash Advance Fee - There is a $0.00 fee per withdrawal in the US and elsewhere in the worldwill be charged every month.
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