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AUTOMATIC
TELLER MACHINE CARDS
DISCLOSURE STATEMENT OF TERMS AND CONDITIONS
This disclosure is provided for the members of Florida Health South
Florida Federal Credit Union and is set according to the Federal
Electronic Funds Transfer Act. As used in this disclosure, the words
containing “us” or “Credit Union” refer to Florida Health South
Florida Federal Credit Union, the words “you” and “your” refer
to the member and joint account holder, if applicable. The word “ATM
card” refers to the Credit Union Access Card. This Disclosure
applies to Automated Teller Machine (ATM) services provided by Florida
Health South Florida Federal Credit Union. Please read this disclosure in
its entirety and keep it for your records.
1. YOUR LIABILITY FOR UNAUTHORIZED TRANSFERS. Notify us at
once if you believe your ATM card and/or Personal Identification
Number (PIN) have been lost, stolen or used without your permission.
Contacting us by phone is the best way to keep your possible losses
to a minimum. You could lose all of the funds in your account(s). If
you notify us within two business days, you can lose no more than
$50.00 if someone used your ATM card and/or Personal Identification
Number (PIN) without your permission.
If you do not notify us within two business days after you learn of
the loss or theft of your ATM card and/or Personal Identification
Number (PIN), you could lose as much as $500.00.
Also, if your statement shows transaction(s) that you did not make
or authorize, notify us immediately. If you do not tell us within 60
days after the statement was mailed to you and if we are able to prove
that we could have stopped someone from taking money if you would have told us in time , you may
not receive any lost funds.
If a valid reason kept you from notifying us, we will extend the time
period.
2. CREDIT UNION TELEPHONE NUMBERS AND ADDRESSES. If you believe
your ATM card and/or Personal Identification Number (PIN) have been
lost or stolen, or that someone has transferred or may transfer money
from your account(s) without your permission, please call
(305)662-8138 or (786)596-5918; or write to: 6200 SW 73 rd Street,
Miami, FL., 33143.
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3. ATM CREDIT UNION BUSINESS DAYS.
Our business hours at
the South Miami Hospital branch are Monday through Thursday, 8:00am to
6:00pm, and Friday, 7:30am to 5:30pm. Our business hours at the
Florida Hospital branch are Monday through Friday, 8:00am to 6:00pm.
Our business hours at the Homestead Hospital branch are Monday through
Friday, 11:00am to 2:00pm. Our business hours at the Doctors Hospital
branch are Monday, Wednesday and Friday, 8:30am to 12:30pm. Our
business hours at the Corporate Office are Tuesday and Thursday,
10:00am to 2:00pm. |
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4. OUR ELECTRONIC FUND TRANSFER SERVICES.
You may use your
ATM card to make withdrawals from your share account(s), make
withdrawals from your share draft account, or to make transfers
between your account(s). Some services are not available at certain
terminals. |
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5. LIMITATIONS ON ELECTRONIC FUND TRANSFERS.
You may
withdraw up to $500.00 within a 24-hour period. |
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6. YOUR RIGHT TO RECEIVE DOCUMENTATION.
You will receive
documentation from the ATM at the time you make a transaction to or
from your account(s). You will also receive a detailed statement for
your account on a monthly basis. |
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7. DISCLOSURE OF INFORMATION TO A THIRD PARTY CONCERNING YOUR
ACCOUNT(S). We will only disclose information to third
parties about your account(s) or the transfers you make if the
following apply: |
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- When it is necessary to resolve errors in your account.
- In order to verify the existence and conditions of your account
to a third party, such as a credit bureau or merchant.
- In order to comply will laws and regulations and with subpoenas
or orders of courts or government agencies.
- If you give us written permission.
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8. IN THE CASE OF ERRORS IN YOUR STATEMENT OR QUESTIONS
CONCERNING YOUR ACCOUNT . Call us at: (305)662-8138 or
(786)598-5918; or write to 6200 SW 73rd Street, Miami, FL. 33143, as
soon as possible. If you believe there is an error in your statement
or receipt, or if you need more information regarding a statement or
receipt, notify us within 60 days from the time we sent your first
statement in which the problem or error appeared. When you call or
write to us regarding the error, you should:
- Tell us your name, account number, address and telephone
number.
- Describe the error or transfer you are unsure about and
explain, as clearly as possible, why you believe it is an error
or why you need more information.
If you verbally notify us, we may request that you send us your
complaint in writing before we begin our investigation. We may take up
to 45 days to investigate and correct any complaints or questions.
9. FEES AND CHARGES. Charges for your ATM card privileges
are listed below. If you are at a terminal that is not operated by
Florida Health South Florida Federal Credit Union:
A You will be charged $1.00 for each withdrawal B You will be charged $0.50 for each transfer or inquiry.
Additionally, you will be charged $5.00 for a replacement ATM card
or PIN number and a $25.00 service charge will be extracted from your
account for transactions not covered by sufficient funds.
10. OTHER TERMS AND CONDITIONS.
Your account(s) may also
be governed by other terms and conditions previously set by the Credit
Union. If there is any conflict between this disclosure and previously
set terms and conditions, the above mentioned disclosure will prevail.
ATM CARD AGREEMENT
In this agreement, the words containing “us” or “Credit Union”
refer to Florida Health South Florida Federal Credit Union, the words “you”
and “your” refer to the member and joint account holder, if
applicable. The word “ATM card” refers to the Credit Union Access
Card. The use of your ATM card will be subject to the following
conditions:
- ATM CARD.
The ATM card is the property of the Credit Union
and may be revoked at any time. It must be returned to the Credit
Union upon request. You agree that the ATM card issued to you may be
confiscated automatically by the Credit Union at any time by an
automated terminal. You agree that you will be the only one who uses
the ATM card issued to you and that you will not divulge, give, or
make available to any person, even Credit Union employees, your PIN
number either directly or indirectly at any time.
PERSONAL IDENTIFICATION NUMBER. In the event that you do not
select your own PIN number, the Credit Union will issue you a PIN
number with your ATM card under a separate mailing. You agree not to
write your PIN number on your ATM card and not to carry your PIN
number with you at the same time you carry your ATM card. You agree to
make the best effort to commit your PIN number to memory.
AUTHORIZATION. We will treat each transaction made at any
automated terminal with your ATM card and PIN number as having been
authorized by you. If the account to which the ATM card relates is a
joint account, all transactions will be bound to both parties.
WITHDRAWALS. You will be assigned a daily withdrawal limit of
$500.00. You will agree that you will not use your ATM card to
withdraw amounts of money in excess of the balance(s) in your
account(s). You hereby authorize the Credit Union to debit your
account(s) to cover your authorized withdrawals or any negative
balances.
RECEIPT. Cash deposits and withdrawals made with your ATM card
shall be evidenced by a document created electronically at the time of
the transaction. You also agree that any cash withdrawal(s) shall
constitute a valid charge against your account.
CANCELLATION. You shall have the right to cancel your ATM card
and PIN number at any time upon giving us a written notice of such
intention and by returning you ATM card to us.
CREDIT INFORMATION. You authorize the Credit Union to obtain
credit information relating to you as we deem necessary in order to
carry out the terms of this ATM card service agreement.
AMENDMENT. You acknowledge and agree that this ATM card
service agreement for use of your ATM card is subject to change at any
time by the Credit Union upon 21 days notice to you. This notice may
be given by mail to your last known address as shown by our records.
SERVICE FEES. By application and/or use of the ATM card, you
shall be subject to service fees in accordance with the fee schedule
adopted by the Credit Union from time to time. Fees will not be
refunded due to cancellations or for any other reason.
DISCLOSURES NOTICE. You acknowledge that you have received a
copy of this Service Agreement and a copy of the Terms and Conditions
pursuant to the Federal Electronic Transfer Act. Your liability for
unauthorized transactions is set forth in this notice. Limitations on
our liability are also set forth in this notice.
RELATED ACCOUNTS. This policy will be subject to the
agreement, rules, and regulations governing the account(s) to which
the ATM card relates.
CONTINUED EFFECTIVENESS. If any terms of this agreement are
determined by a governmental authority to be ineffective, the rest
will continue in effect. A waiver by the Credit Union of any of those
terms or conditions on any occasion will not constitute a waiver of
the same or any other terms and conditions on any other occasion.
The laws of the state of Florida, along with this agreement
validate, construct, and enforce all matters arising upon receiving a
Florida Health South Florida Federal Credit Union ATM card. Florida
Health South Florida Federal Credit Union has the right to amend this agreement
after mailing a notice 21 days in advance to your last known address.
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