Personal Banking
ATM / Debit Cards
COMMON FEATURES
Limits and fees – The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account:
| ATM card (initial access) | $3.00 |
| Replace ATM card or PIN | $5.00 |
| Cash withdrawal at ATM | $1.00 |
| Dollar limit | $240.00 per day |
| Debit card (initial access) | $3.00 |
| Debit card (maintenance) | $1.00 per month |
| Replace debit card or PIN | $5.00 |
| Debit card ATM withdrawal | $1.00 per transaction |
| ATM Dollar limit | $240.00 per day |
| Debit card daily limit | $1,000.00 per day |
If you make a deposit at an ATM before 6:00 p.m. on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit at an ATM after 6:00 p.m. or on a day we are not open, we will consider that the deposit was made on the next business day we are open.
Instant Cash Card transactions – types of transactions - You may access your account(s) by ATM using your Instant Cash Card and your personal identification number (PIN) to:
- Deposit funds to checking
- Withdraw cash from checking
- Get balance information about checking
Some of these services may not be available at all terminals.
Instant Cash Card ATM transactions – types of transactions – You may access your account(s) by ATM using your Instant Cash Card and your personal identification number (PIN) (as applicable) to:
- Deposit funds to checking
- Withdraw cash from checking
- Get balance information about checking
Some of these services may not be available at all terminals.
Instant Cash Card point-of-sale transactions – types of transactions – You may access your checking account(s) by debit card to do transactions that participating merchants will accept, including:
- Purchase goods in person or online
- Pay for services in person, by phone, or online
- Get cash from a participating merchant or financial institution
Currency Conversion – When you use your VISA card at a merchant that settles in currency other than U.S. dollars, the charge will be converted to the U.S. dollar amount. The currency conversion rate used to determine the transaction amount in U.S. dollars is either a government-mandated rate or the wholesale market rate in effect the day before the processing date, increased by 1%. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date.
Advisory Against Illegal Use – You agree not to use your card(s) for illegal gambling or other illegal purposes. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located.
Limits and fees – Please refer to our fee disclosure for information about fees and limitations that may apply to these electronic funds transfers.
ATM Operator/Network Fees – When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).
NOTICE OF ATM/NIGHT DEPOSIT FACILITY USER PRECAUTIONSAs with all financial transactions, please exercise discretion when using an automated teller machine (ATM) or night deposit facility. For your own safety, be careful. The following suggestions may be helpful.
- Prepare for your transactions at home (for instance, by filling out a deposit slip) to minimize your time at the ATM or night deposit facility.
- Mark each transaction in your account record, but not while at the ATM or night deposit facility. Always save your ATM receipts. Don’t leave them at the ATM or night deposit facility because they may contain important account information.
- Compare your records with the account statements you receive.
- Don’t lend your ATM card to anyone.
- Remember, do not leave your card at the ATM. Do not leave any documents at a night deposit facility.
- Protect the secrecy of your Personal Identification Number (PIN). Protect your ATM card as though it were cash. Don’t tell anyone your PIN. Don’t give anyone information regarding your ATM card or PIN over the telephone. Don’t write your PIN where it can be discovered. For example, don’t keep a note of your PIN in your wallet or purse.
- Prevent others from seeing you enter your PIN by using your body to shield their view.
- If you lose your ATM card or if it is stolen, promptly notify us. You should consult the other disclosures you have received about electronic fund transfers for additional information about what to do if your card is lost or stolen.
- When you make a transaction, be aware of your surroundings. Look out for suspicious activity near the ATM or night deposit facility, particularly if it is after sunset. At night, be sure that the facility (including the parking area and walkways) is well lighted. Consider having someone accompany you when you use the facility, especially after sunset. If you observe any problem, go to another ATM or night deposit facility.
- Don’t accept assistance from anyone you don’t know when using an ATM or night deposit facility.
- If you notice anything suspicious or if any other problem arises after you have begun an ATM transaction, you may want to cancel the transaction, pocket your card and leave. You might consider using another ATM or coming back later.
- Don’t display your cash; pocket it as soon as the ATM transaction is completed and count the cash later when you are in the safety of your own car, home,. Or other secure surrounding.
- At a drive-up facility, make sure all the car doors are locked and all of the windows are rolled up, except the driver’s window. Keep the engine running and remain alert to your surroundings.
- We want the ATM and night deposit facility to be safe and convenient for you. Therefore, please tell us if you know of any problem with a facility. For instance, let us know if a light is not working or there is any damage to a facility. Please report any suspicious activity or crimes to both the operator of the facility and the local law enforcement officials immediately.
MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST
