VISA Debit- Check Card by ps94506


									                                                                                                                                                                                                                                           Q. &A. VISA DEBIT/CHECK CARD
             NECESSARY IF
                            MAILED IN ThE
                                            UNITED STATES
                                                                                                                                                                                       VISA Debit/                             Q. What is a VISA DEBIT/CHECK             Q. Are funds withdrawn from my

                                                                                                                                                                                       Check Card
                                                                                                                                                                                                                                  CARD?                                     account immediately?
                                                                                                                                                                                                                               A. A VISA DEBIT/CHECK CARD is another way A. The same procedures apply to your
                                                                                                                                                                                                                               to access the money in your Checking Account without       VISA DEBIT/CHECK CARD as your Checking Account.
                                                                                                                                                                                                                               writing a check. It also serves as your ATM card.          That means, there is a “clearing” time period.
                                                                                                                                                                                                                                                                                          However, you must have enough money in your
                                                                                                                                                                                       Application, Information & Disclosure   Q.             How does it work?                           account to cover the amount of your purchase.

                                                                                                                                                                                                                               A.              When you make a purchase, present          Q.             Can the funds be deducted
                                                                                                                                                                                                                               your card to any merchant that accepts VISA. The                          from my Savings account
                                                                                                                                                                                                                               cashier will scan it and give you a receipt to sign. Or,                  instead of my Checking
                                                                                                                                                                                                                               you can swipe your card in the POS terminal, select                       Account?
                                                                                                                                                                                                                               Debit (EBT) and enter your PIN number. Be sure to          A.
                                                            BUSINESS REPLY MAIL
                                                                            MIAMI, FL

                                                                                                                                                                                                                                                                                                        When you use your VISA DEBIT/CHECK
                                                                                                                                                                                                                               keep the receipt for your records. The amount will         CARD to make purchases, payments can only be
                                                                                                                                                                                                                               be automatically held and then deducted from your          deducted from your Checking Account. However,
                                                                                                                                                                                                                               Checking Account. You’re simply using your card            when used as an ATM card, you may access both your
                                                                                                                                                                                                                               instead of your checkbook.                                 Savings and Checking and Money Market account.
                                                                                               POSTAGE WILL BE PAID BY ADDRESSEE

                                                                            PERMIT NO. 20577

                                                                                                                                                                                                                               Q.             Is VISA DEBIT/CHECK CARD a                                 Is there a daily dollar limit for
                                                                                                                                                      North Miami Florida 33161-9844
                                                                                                                                   PeoPles Credit Union

                                                                                                                                                                                                                                              credit card, too?
                                                                                                                                                                                                                               A.               NO! Even though you’re still using        A.              Yes. Make as many purchases as you
                                                                                                                                                                                                                               plastic, you’re spending your money. That means no         want using your VISA DEBIT/CHECK CARD. However,
                                                                                                                                                                                                                               bill, and no interest to pay. VISA DEBIT/CHECK CARD        you must stay within the daily limit set by the Credit
                                                                                                                                                                                                                               accesses the available funds in your Checking Account      Union. (Check with us for dollar limit.) Of course,
                                                                                                                                                                                                                                                                                          you’ll need to have sufficient available funds in your
                                                                                                                                                      680 NE 124th Street

                                                                                                                                                                                                                               instead of a line of credit.
                                                                            FIRST-CLASS MAIL

                                                                                                                                                                                                                                                                                          Checking Account to cover those purchases.

                                                                                                                                                                                                                               Q.             Which ATMs will accept my                   Q.             Is there a charge for using
                                                                                                                                                                                                                                              VISA DEBIT/CHECK CARD?                                     my VISA DEBIT/CHECK CARD?
                                                                                                                                                                                                                               A.             You can make transactions all over          A.             If you use your card as a Debit Card
                                                                                                                                                                                                                               the world at ATMs displaying the VISA, Presto, STAR,       to make purchases (regardless if there is cash back)
                                                                                                                                                                                                                               Accel/Exchange, Plus, MasterCard or Cirrus logos.          and the amount is deducted from your checking
                                                                                                                                                                                                                               Additionally, you may use your VISA DEBIT/CHECK            account, no transaction fees are charged. However,
                                                                                                                                                                                                                               CARD at Peoples Credit Union-owned ATMs.                   if you use your Check card to get cash at an ATM
                                                                                                                                                                                                                                                                                          (other than Peoples Credit Union machines), you will

                                                                                                                                                                                                                               Q.             How is the PIN selected when I
                                                                                                                                                                                                                                                                                          be assessed our regular ATM transaction fees.

                                                                                                                                                                                                                                              use VISA DEBIT/CHECK CARD as                Q.             Can I use VISA DEBIT/CHECK
                                                                                                                                                                                                                                              an ATM card?                                               CARD to make purchases over
                                                                                                                                                                                                                               A.              VISA DEBIT/CHECK CARD Personal                            the phone?
                                                                                                                                                                                                                               Identification Numbers (PINs) are electronically           A.              In addition to paying for things over
                                                                                                                                                                                                                               selected. Your PIN will be mailed to you separately        the counter, you can also use VISA DEBIT/CHECK CARD
                                                                                                                                                                                                                               from your VISA DEBIT/CHECK CARD. (Selection of your        to pay for items over the phone, for mail orders and on
                                                                                                                                                                                                                               own PIN is not available.)                                 the Internet – wherever a VISA card is accepted.
                                                It Acts Like a Check and ATM Card!
                                                Our VISA Debit/Check card is an easy way to pay for your purchases by check – without                                                                                         VISA DEBIT/CHECK CARD ApplICATIon
                                                writing one. Just present your card at the register of any VISA merchant. The amount
                                                of your purchase will automatically be deducted from your checking account.                                                                       REquIREMEnTS:                                                     MEMBER InFoRMATIon
                                                Your card can also be used at machines displaying the VISA, Presto, STAR, Accel/

                                                Exchange, Plus, MasterCard or Cirrus logos and at credit union-owned ATMs.                                                                                                      Account Number _____________________________________________________________
                                                                                                                                                                                              •   Be a member in good
                                                When using your VISA Debit/Check card for online purchases, be sure to register                                                                                                 Name of Primary Member ______________________________________________________
                                                                                                                                                                                                  standing and have a
                                                for Verified by VISA at our web site ( This free security service                                                                                               Driver’s License Number or
                                                                                                                                                                                                  Checking Account.
                                                provides you with extra protection when shopping online.                                                                                                                        valid Florida I.D. (Primary Member) _______________________________________________
                                                                                                                                                                                              •   Must meet Peoples Credit      Address ____________________________________________________________________
                                                                                                                                                                                                  Union underwriting            City___________________________________________ State _____ Zip ______________
Electronic Funds Transfer (Regulation E) Addendum for                    The following limitations on the frequency and amount                                                                    requirements for              Home Phone (        ) __________________________________________________________
VISA Debit/Check Cards              Effective Date 7-1-10                of VISA Debit/Check Card transactions may apply:

                                                                                                                                     Detach, fold, tape shut and mail - no postage required
                                                                                                                                                                                                  VISA DEBIT/CHECK CARD         Day Phone (       ) ____________________________________________________________
VISA Debit/Check Card: You may use your Card to purchase                 • There is no limit on the number of VISA Debit/Check
goods and services from participating merchants. You agree                 Card purchases you make per day up to the daily limit.                                                             •   Other restrictions may        Cellular phone/beeper (       ) __________________________________________________
that you will not use your Card for any transaction that is illegal      • Purchase amounts are limited to the amount in your                                                                     apply                         Joint Member ________________________________________________________________
under applicable federal, state or local law. Funds to cover               account.
your Card purchase will be deducted from your Checking                                                                                                                                                                          Driver’s License Number or
                                                                         • There is no limit of the number of cash withdrawals you                                                                                              valid Florida I.D. (Joint Member) _________________________________________________
account. If the balance in your account is not sufficient to
pay the transaction amount, the Credit Union will pay the                  may make in any one day from an ATM machine up to                                                                                                    Address ____________________________________________________________________
amount and treat the transaction as a request to transfer funds            your available withdrawal limit per day of $400.
                                                                                                                                                                                                                                City___________________________________________ State _____ Zip ______________
from approved overdraft protection accounts that you have
                                                                         For security purposes, there are other limits on the                                                                                                   Home Phone (        ) __________________________________________________________
established with the Credit Union. If you initiate a transaction
                                                                         frequency and amount of transfers available at ATMs.                                                                 •   Complete and sign the         Day Phone (       ) ____________________________________________________________
that overdraws your Account, you agree to make immediate
payment of any overdrafts together with any service charges              You may transfer up to the available balance in your                                                                     VISA DEBIT/CHECK CARD
                                                                                                                                                                                                                                Cellular phone/beeper (       ) __________________________________________________
to the Credit Union. In the event of repeated overdrafts, the            accounts at the time of the transfer.                                                                                    application
Credit Union may terminate all services under the Agreement.
You may use your Card and PIN (Personal Identification                                                                                                                                        •   Mail, fax or bring to any     I (We) understand that PEOPLES CREDIT UNION may contact a credit reporting agency /
                                                                         Fees and Charges
Number) in automated teller machines of the Credit Union,                                                                                                                                         Peoples Credit Union          ChexSystems in order to qualify me (us) for a VISA DEBIT/CHECK CARD. I (We) have read the
VISA, Presto, STAR, Accel/Exchange, Plus, MasterCard or Cirrus           There are certain charges for electronic funds transfer
                                                                                                                                                                                                  office                        attached agreement. I (We) agree to the terms stated and I (we) hereby request a PEOPLES
logos and affiliated networks, and such other machines or                services. From time to time, the charges may be
                                                                         charged. We will notify you of any changes as required                                                                                                 CREDIT UNION VISA DEBIT/CHECK CARD to be issued in the above name(s).
facilities as the Credit Union may designate.
                                                                         by applicable law.                                                                                                                                     I (We) understand that if not approved for a VISA DEBIT/CHECK CARD but qualify for an ATM
At the present time, you may also use your Card to:                                                                                                                                                                             card, you will issue me (us) an ATM card if I (we) do not presently have one.

                                                                         If you use an ATM that is not operated by us, you may
• Make deposits to your Savings and Checking accounts at                 be charged a fee by the ATM operator
   Peoples Credit Union-owned ATMs only.                                 and by any national, regional or
                                                                                                                                                                                                                                Signature of Applicant(s)
• Withdraw funds from your Savings, Checking and Money                   local network used in processing
   Market accounts.                                                      the transaction. The ATM                                                                                                                               1. __________________________________________________________________________
                                                                         surcharge will be debited                                                                                                                              2. __________________________________________________________________________
• Transfer funds from your Savings, Checking and Money
                                                                         from your account if you
   Market accounts.                                                                                                                                                                                                             Date Signed _____________________________________
                                                                         elect to complete the
• Obtain balances for Savings, Checking and Money                        transaction.
   Market accounts.
• Make POS (Point-of-Sale) transactions with your Card                                                                                                                                                                          Primary Member’s Mother’s Maiden Name _________________________________________
   and PIN (Personal Identification Number) to purchase                  VISA Debit/Check Card Fees
   goods or services at merchants that accept the VISA                   No annual card fee. Refer
                                                                                                                                                                                                  FOR CREDIT UNION USE ONLY
   Debit/Check card.                                                     to service fee disclosure for
• Order goods or services by mail or telephone from                      complete fee listing.
   places that accept VISA Debit/Check cards.

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