The person or persons who have signed this agreement hereby request that a debit card be issued to each of them for the account designated on the application.
General Provisions: 1) Such cards will be used to obtain cash from Automated Teller machines designated by the credit union, only if, at the time of use there are on deposit in the designated account funds sufficient to cover such use. To obtain cash advances from an ATM, you must use the Personal Identification Number (PIN) which is issued to you for use with your card.
- Such cards may be used to make purchases at merchants displaying the VISA logo. The funds from such a purchase will be deducted from the member’s checking account. In addition you may obtain cash advances from credit unions or other financial institutions that accept VISA cards.
- Family First FCU shall charge to the appropriate associated checking account a monthly access fee as published in the credit unions schedule of fees.
- Family First FCU shall charge to the designated account a service charge fee in the event of non-sufficient funds withdrawals.
- Family First FCU has the right to reduce the daily dollar withdrawal limit, the merchant point-of-sale daily dollar limit, or terminate your account at any time for any reason not prohibited by law. You are also responsible for any transactions made to your account after termination, unless you did not authorize the transactions. Notify Family First FCU immediately if you believe your Debit card and/or your personal identification number has been lost or stolen. If you notify us within two (2) business days after you learn of the loss or theft, you will not be held responsible for any withdrawals not made or authorized by you. If you do not notify us within two (2) business days after you learn of the loss or theft, you could be liable for as much as $500. If you provide your card and/or personal identification number to another person, you are presumed to have authorized the transaction request of that person. Review your periodic statements carefully. If your statement indicates transactions that you did not make or authorize, notify Family First FCU immediately.
TO REPORT A CARD AS LOST OR STOLEN: During Family First FCU business hours (Monday through Friday from 9 am to 5 pm) – call (406) 727-7575. After business hours, on weekends or holidays, call (800) 535-8440.
CHANGING OR TERMINATING YOUR ACCOUNT: The Credit Union may change the terms of this agreement from time to time. Notice of any change will be given in accordance with applicable law. Use of you card after receiving notice of a change will indicate your agreement to the change. Either you or the Credit Union may terminate this agreement at any time, but termination by you or the Credit Union will not affect your obligation to pay for outstanding purchases or account activity prior to termination, unless the transactions were unauthorized. The card(s) you receive remain the property of the Credit Union and you must surrender to the Credit Union all cards upon request or upon termination of this agreement whether by you or by the Credit Union.
RETURNS AND ADJUSTMENTS: Merchants and others who honor your card may give credit for returns or adjustments, and they will do so by sending the Credit Union a credit transaction which will be posted to your account when received.