Docstoc

ATM-Card-App

Document Sample
ATM-Card-App Powered By Docstoc
					                                                                                    ATM Card Application

 225 Schlumberger Drive - Sugar Land, Texas 77478-3129
                            Type in Form Fields (tab between fields), Save, Print, Sign, & Return
                                                          APPLICANT

Account Number(s)
Name
Address
City
State                                 Zip                               Email Address
Home Phone #
Social Security #
Date of Birth         MM/dd/yy
Employer
                                                         CO-APPLICANT


Name
Address (if different from above)
City
State                                  Zip                              Email Address
Home Phone #
Social Security #
Date of Birth         MM/dd/yy
Employer

Signatures: By signing below, the undersigned request(s) the described services and agrees to the terms and
conditions governing the services, including any fees and charges if associated with such service. The undersigned
agree(s) that all information is accurate.
Applicant’s Signature
Date 04/09/12
Co-Applicant’s Signature
Date 04/09/12

                                                Official Use Only

Date
Approved (Y / N)
Processed By




                                                                                                          1
   CARDHOLDER AGREEMENT AND DISCLOSURE
               STATEMENT

1. General. You may access your account(s) by ATM or Point-            days after you learn of the loss or theft, you can lose no more      or question in writing and we do not receive it within 10
Of-Sale “POS” using your ATM Card and personal                         than $50 if someone used your card and/or code without your          business days, we may not credit your account. Your account is
identification number “PIN.” Types of account access include:          permission.)                                                         considered a new account for the first 30 days after the first
                                                                                                                                            deposit is made, unless each of you already has an established
  a)        Check account balances.                                    If you do NOT tell us within 2 business days after you learn of      account with us before this account is opened.
  b)        Withdraw cash from your accounts.                          the loss or theft of your card and/or code, and we can prove we      We will tell you the results within three business days after
  c)        Transfer funds between your checking and savings           could have stopped someone from using your card and/or code          completing our investigation. If we decide there was no error,
            accounts.                                                  without your permission if you had told us, you could lose as        we will send you a written explanation.
  d)        Pay for purchases where merchants accept the card.         much as $500.                                                        You may ask for copies of the documents that we used in our
  e)        Receive cash back at point-of-sale where merchants                                                                              investigation.
            accept the card.                                           Also, if your statement shows transfers that you did not make,
                                                                       tell us at once. If you do not tell us within 60 days after the
Some of these services may not be available at all terminals.          statement was mailed to you, you may not get back any money                      Schlumberger Employees Credit Union
In this Agreement, the words "you" and “your" mean any user            you lost after the 60 days if we can prove that we could have
of your Account. “We," “our," and "us" mean Schlumberger               stopped someone from taking the money if you had told us in
Employees Credit Union (“SECU”), Sugar Land, Texas. In this            time.                                                                                Member Services Department
Agreement, any plural term shall be deemed singular and any                                                                                                     225 Schlumberger Drive
singular term shall be deemed plural when context and                  If a good reason (such as a long trip or a hospital stay) kept you                        Sugar Land, TX 77478
construction so require. If you sign an application for any            from telling us, we will extend the time periods.
Account under this Agreement or sign or use any bankcard(s)                                                                                        More detailed information is available on request.
issued, or use or allow others to use your Account, you agree to       You should monitor your records regularly to make sure your
all of the following terms and conditions.                             ATM Card is only used for its intended purposes.                     10. Fees.
                                                                       If you believe your ATM Card has been lost or stolen or that                 We will charge you $10 for a new ATM Card PIN
                                                                       someone has transferred or may transfer money from your                       number.
REGULATION E                                                           Account without permission, call 800-543-5073 or call collect                We will charge you $10 to replace a lost debit card.
                                                                       at 727-570-4881 immediately to block the use of the card, and
Scope: This regulation is applicable to all electronically             follow up with a letter to:                                                  You may be assessed research or photocopy fees when
initiated transfers including, but not limited to, the SECU ATM                                                                                      these services are requested.
cards, “Call24,” the Audio Response service, “Net24,” the                         Schlumberger Employees Credit Union
Internet Banking service, and “Bill Pay,” the Bill Payment                              225 Schlumberger Drive                              11. ATM Surcharges. When you use an ATM not owned by
service.                                                                                                                                    SECU, the ATM operator and affiliated network may charge
                                                                                                                                            you a fee to complete the transfer. In addition, there is a charge
                                                                       Sugar Land, TX 77478                                                 of $1.00 per withdrawal in excess of six withdrawals per
2. Other Disclosures. If you are using the ATM Card feature as         (Business Days: Monday through Friday, except company-               month. You may be charged a fee for a balance inquiry even if
an integrated part of another Card service, you should also read       approved holidays)                                                   you do not complete a fund transfer. You may withdraw up to
the disclosures associated with the other service. All service                                                                              $500 cash per 24-hour period from ATMs.
disclosures are available upon request or can be found on our
                                                                       6. Illegal Transactions. The use of your ATM Card shall not          Member’s retention of the ATM Card after such notice shall
website at: www.secu.slb.com (Lookup Directory).
                                                                       be for any illegal activity.                                         constitute agreement to all matters included within the notice.
                                                                                                                                            You will be subject to the policies and procedures of the Credit
3. Limitations on Transfers. Savings Accounts are limited to           7. Terminal Activity. You can get a receipt at the time you          Union and pay charges assessed against you for drawing the
six (6) electronic or telephone debits per month (Federal              make any transaction on your account using any of the SECU           Account to a negative balance condition pursuant to the
Regulation “D”). The transactions you must limit include:              ATM or point-of-sale terminals. Transaction history is quickly       checking policy. You agree to make the Credit Union whole for
                                                                       available through the SECU electronic “Call24” Audio                 improper withdrawals or any expenses incurred in collecting
       a)      Overdraft protection (automatic transfers to            Response and “Net24” Internet Banking services. You will also        same by the Credit Union. Withdrawals are limited to the
               paychecks).                                             receive a monthly account statement from us for your savings         balance of your account. If withdrawing from your Primary
       b)      Preauthorized payments (i.e., automatic monthly         accounts, unless there are no transfers in a particular month. In    Savings Account, $25 must remain in this Account, or $10 in
               payments).                                              any case, you will get a statement at least monthly.                 youth account for membership to remain valid.
       c)      Telephone Audio Response transfers “Call24.”
       d)      Telephone withdrawals to a third party.
                                                                                                                                            12. Confidentiality. We will disclose information to third
       e)      Internet Banking “Net24” service.                       8. Error Resolution Notice. In Case of Errors or Questions           parties about your account or the transfers you make:
                                                                       About Your Electronic Transfers, Call or Write us at the                    a)    Where it is necessary for completing transfers; or
4. Financial Institution Liability (Liability For Failure To           telephone number or address listed in this document, as soon as             b)    In order to verify the existence and condition of
Make Transfers).                                                       you can, if you think your statement or receipt is wrong or if                    your account for a third party, such as a credit
                                                                       you need more information about a transfer listed on the                          bureau or merchant; or
If we do not complete a transfer to or from your account on            statement or receipt. We must hear from you no later than 60                c)    In order to comply with government agency or
time or in the correct amount according to our agreement               days after we sent the FIRST statement on which the problem
with you, we may be liable for losses or damages. However,                                                                                               court orders; or
                                                                       or error appeared.                                                          d)    If you give us your written permission.
there are exceptions. We will not be liable, for instance:
   a)    If, through no fault of ours, you do not have enough                a)      Tell us your name and account number (if any).
         money in your account to make the transfer.                         b)      Describe the error or the transfer you are unsure
   b)    If the transfer would go over the credit limit on your                                                                                SCHLUMBERGER EMPLOYEES CREDIT UNION
                                                                                     about, and explain as clearly as you can why you                225 SCHLUMBERGER DRIVE
         line of credit, if any.                                                     believe it is an error or why you need more
   c)    If the automated teller machine where you are making                                                                                         SUGAR LAND, TEXAS 77478
                                                                                     information.
         the transfer does not have enough cash.                              c)     Tell us the dollar amount of the suspected error.
   d)    If the terminal was not working properly and you                                                                                                  (281) 285-4551 or (800) 272-7328
                                                                       If you tell us orally, we may require that you send us your
         knew about the breakdown when you started the                 complaint or question in writing within 10 business days.
         transfer.                                                                                                                            Monday through Friday (except Schlumberger holidays)
   e)    If circumstances beyond our control (such as fire or                                                                                      Office hours: 8:00 a.m. through 4:30 p.m.
                                                                       9. Inactive Card Rules. Cards left dormant for over a 6-month
         flood) prevent the transfer, despite reasonable               period will be flagged inactive (you will not be able to use an
         precautions that we have taken.                                                                                                    Report Lost/Stolen Toll Free (U.S.) 800-282-7328 (Option 4)
                                                                       inactive card). SECU reserves the right to purge all inactive                  or call direct 281-285-4551 (Option 4)
   f)    If you exhausted other means to transfer money at             status cards after a 1-year period.
         your disposal (such as using our Call24 or Net24
         service, or calling a teller at one of our branch offices).   We will determine whether an error occurred within 10                      I have read and agree to these
                                                                       business days (5 business days for Visa Plasticheck Card/ATM               terms
There may be other exceptions stated in the agreement with             point-of-sale transactions and 20 business days if the transfer
you.                                                                   involved a new account) after we hear from you and will                     and conditions:
                                                                       correct any error promptly. If we need more time, however, we              ___________(Initial)
                                                                       may take up to 45 days (90 days if the transfer involved a new
5. Consumer Liability. Tell us AT ONCE if you believe your             account, a point-of-sale transaction, or a foreign-initiated
card and/or code has been lost or stolen. Telephoning is the           transfer) to investigate your complaint or question. If we decide
best way of keeping your possible losses down. You could lose          to do this, we will credit your account within 10 business days
all the money in your account (plus your maximum overdraft             (5 business days for Visa Plasticheck/ATM point-of-sale
line of credit). If you tell us within 2 business days, you can        transactions and 20 business days if the transfer involved a new
lose no more than $50 if someone used your card and/or code            account) for the amount you think is in error, so that you will
without your permission. (If you believe your card and/or              have the use of the money during the time it takes us to
code has been lost or stolen, and you tell us within 2 business        complete our investigation. If we ask you to put your complaint

                                                                                                                                                                                                 2

				
DOCUMENT INFO
Shared By:
Categories:
Tags:
Stats:
views:5
posted:4/9/2012
language:
pages:2