Visa Credit Card Terms And Conditions Pdf

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Published: 18.01.2021

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For additional information or assistance, please call or visit any of our branch locations. Share Disclosure PDF. Savings Account Regulation D. Like all U. Per Regulation D — Members are limited to six 6 transfers and withdrawals per calendar month from any share savings account including Club Accounts and Illini Draft Money Market , to any other account or third party. After reaching the limit of six 6 transfers or withdrawals, subsequent transactions will be denied. This regulation applies only to certain types of share savings transactions.

If you have any questions regarding this regulation, please contact the Member Services at or toll free at E-Statement Disclosure. You agree to accept your University of Illinois Community Credit Union periodic statements, and all disclosures related to your statements, electronically by a visual text to be displayed on a personal computer monitor. You request that the credit union transmit your statement to you electronically, and you agree to the terms and conditions set forth in this Agreement.

You acknowledge that you will be able to retrieve your statements electronically through the use of a personal identification number PIN which you will choose on your first log in.

You acknowledge that, if you disclose your PIN to anyone else or if your PIN is lost or stolen, third parties may be able to access your credit union statements. You agree that the credit union will not be liable for any loss caused by the authorized or unauthorized use of your PIN by any third party to access your statements. You agree to keep your PIN in a place of safekeeping, and you agree that the security of your PIN will be your responsibility at all times. You agree to the security methods and techniques set out in the agreement.

You agree that the credit union will not be liable for any loss arising out of your use of e-statement if the credit union observes the security methods presently set out in the agreement, or as amended from time to time. Further, you agree that the credit union will not be liable for any loss arising out of your use of e-statement under any circumstances if you fail to observe the security methods and the recommendations set forth in the procedures. You agree that it will be your responsibility to read current newsletters located within your e-statement layout.

You acknowledge and agree that, by requesting electronic statement delivery, you will not receive paper statements. You acknowledge and agree that, if the credit union in its judgment believes that the transmission of your statements electronically is no longer viable, or that any such transmission may give rise to security or operational concerns, the credit union may cease the electronic delivery of your statements and provide you with paper statements in lieu thereof.

You acknowledge and agree that you have read and you understand the security procedures set out, that any e-mail address you provide to the credit union is accurate, that you will promptly notify the credit union of any change in your e-mail address in the manner prescribed in the security methods, that you have a computer that meets the minimum system requirements set out in the agreement, and that you have a printer or have access to a printer with the ability to download information in order to keep copies of your statements for your records.

The minimum requirements for e-statement are: — Processor Speed: or higher — Modem Speed: Home Equity Disclosure. No annual fee. Maximum APR is Closing costs are waived, however if the member pays and closes the line within two years of opening they must reimburse U of I Community Credit Union for all fees involved with opening the line. To inquire about changes in these disclosures, call toll free Closing costs are waived, however if the member pays and closes the line within two years of opening they must reimburse UICCU for all fees involved with opening the line.

Disclosure information is accurate and effective as of April 1, and is subject to change. Debit Card Transaction Agreement and Disclosure. Debit Card transactions are electronically initiated transfers of money from your account through the Debit Card services described below. By signing an application or account card for Debit Card services, signing your Card, or using any service, each of you, jointly and severally, agree to the terms and conditions in this Agreement and any amendments for the Debit Card services offered.

If approved, you may use your Card to purchase goods and services from participating merchants. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law.

Funds to cover your Card purchases will be deducted from your share draft account. If the balance in your account is not sufficient to pay the transaction amount, the credit union will pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts or loan accounts that you have established with the Credit Union.

If you initiate a transaction that overdraws your Account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. At the present time, you may also use your Card to:. There are certain fees and charges for electronic funds transfer services.

From time to time, the charges may be changed. We will notify you of any changes as required by applicable law. When using ATMs not owned by us, you may be assessed a fee.

Such fees are imposed by the ATM owner, not your credit union. If you use an ATM that is not operated by us, you may be charged a fee by the ATM operator and by any national, regional, or local network used in processing the transaction. The ATM surcharge will be debited from your account if you elect to complete the transaction.

You are responsible for all EFT transfers you authorize. If you permit someone else to use an EFT service, your Card or your access code you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once if you believe your Card has been lost or stolen or if you believe someone has used your Card or access code or otherwise accessed your accounts without your authority.

Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account plus your maximum overdraft line of credit. If a transaction was made with your Card or Card number without your permission, and is either a VISA or Interlink transaction, you will have no liability for the transaction. For all other EFT transactions, including ATM transactions, your liability for an unauthorized transaction is determined as follows.

Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within sixty 60 days after the statement was mailed to you, you may not get back any money lost after the sixty 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason such as a hospital stay kept you from telling us, we will extend the time periods.

If you believe your Card has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: or toll free or write to:. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we may be liable for your losses or damages proximately caused by our error.

However, we will not be liable for direct or consequential damages in the following events:. Notices from you will be effective when received by the Credit Union at the address specified in this Agreement. We reserve the right to change the terms and conditions upon which this service is offered.

We will mail notice to you at least twenty-one 21 days before the effective date of any change. Use of this service is subject to existing regulations governing the Credit Union account and any future changes to those regulations. As soon as your transaction is completed, place your money in your purse or wallet.

Count the cash later in the safety of your car or home. In case of errors or questions about electronic funds transfers from your share and share draft accounts, telephone us at the following number or send us a written notice to the following address as soon as you can.

We must hear from you no later than sixty 60 days after we sent the first statement on which the problem appears, call: or toll free or write to:. For transactions initiated outside the United States or in the event there are transfers resulting from a point-of-sale transaction, we will have twenty 20 business days instead of ten 10 business days, and ninety 90 calendar days instead of forty-five 45 calendar days, unless otherwise required by law, to investigate your complaint or question.

If we decide after our investigation that an error did not occur, we will deliver or mail to you an explanation of our findings within three 3 business days after the conclusion of our investigation.

You may terminate this Agreement or any EFT service under this Agreement at any time by notifying us in writing and stopping your use of your Card and any access code. You must return all Cards to the Credit Union. You also agree to notify any participating merchants that authority to make bill payment transfers has been revoked. We may also terminate this Agreement at any time by notifying you orally or in writing.

If we terminate this Agreement, we may notify any participating merchants making preauthorized debits or credits to any of your accounts that this Agreement has been terminated and that we will not accept any further preauthorized transaction instructions. We may also program our computer not to accept your Card or access code for any EFT service.

Whether you or the Credit Union terminates this Agreement, the termination shall not affect your obligations under this Agreement for any EFTs made prior to termination. This Agreement is governed by the Bylaws of the Credit Union, federal laws and regulations, the laws and regulations of the state of Illinois and local clearinghouse rules, as amended from time to time. Any disputes regarding this Agreement shall be subject to the jurisdiction of the court of the county in which the Credit Union is located.

If there is a lawsuit, you agree that it may be filed and heard in the county and state in which the Credit Union is located, if allowed by applicable law.

You agree to take every precaution to ensure the safety, security and integrity of your account and transactions when using the Wallet. We may in some cases make individually identifying information available only in the following circumstances: where ordered by a court or other legal body or where it is lawfully permitted or required; where we have agreed to provide information under contracts to vendors and partners to make products and services available to our members; or where the member has requested or consents to the disclosure of information.

In those cases where we disclose information to outside vendors, we require that they use it for no purposes other than providing previously specified services to our members. Patriot Act Identity Verification Notice. If you are an existing member who joined the credit union before the USA Patriot Act rules became effective we may also need to verify and retain copies of any documents used to verify your identity when you request a new deposit account, apply for a loan or are added as a signatory to a new or existing deposit or loan account.

We ask for your understanding as we work to support these efforts to maintain the security of your funds and our country. Please speak with a credit union staff member if you have any questions or concerns about our identification policies. Members will receive initial privacy notices at account opening. New members and persons adding joint relationships will receive privacy notices at the time of application or approval of membership or services.

Privacy notices will be provided in a form that the member may keep. U of I Community Credit Union collects information about members in many ways.

Information is provided by members on applications for membership, accounts, loans, and a variety of other products and services. Information is also provided with requests for transactions of many kinds. U of I Community Credit Union also receives information when processing member transactions such as clearing checks, ACH transfers, debit transactions, and more.

Members also provide information in response to questions posed by the Credit Union or in their correspondence to the Credit Union. All member information collected is considered nonpublic personal information and is subject to the confidentiality provisions of this policy.

U of I Community Credit Union will undertake reasonable measures to protect the confidentiality and security of member information. Employees will also maintain control and security of documents that contain member information. After processing, documents with nonpublic personal information will be properly filed or will be designated for shredding.

Credit Card Terms and Conditions

The Card Apply Now. Apply Now. See My Offers. Credit Report Authorization. Autodialer Authorization. Electronic Communications Consent. General Privacy Policy.

You may make purchases by using your Card or Card Number at merchants that accept Visa credit cards. Obtain Cash Advances. You may use your Card at​.

Account Agreements

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Terms and conditions

Annual fee is a one-time charge and renewal fee is charged every year. These fees may vary from Cardholder to Cardholder, and for different card variants. These shall be as communicated to the Cardholder at the time of applying for the credit card. These fees, as applicable, are directly charged to the Cardholder account and the same would be billed in the card statement of the month in which it is charged.

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