24 HOUR BANKING
At Your Fingertips, Whenever You Need It!
Our CashCard Network gives you access to over 160,000 Automated Teller Machines (ATMs) throughout the world. Just look for the Cirrus or Plus decal on participating machines in airports, stores, shopping malls, resorts, hotels, universities, and recreational areas in over 6,000 cities and 22 foreign countries. Use at any cash machine displaying the Cirrus, or Plus signs.
Call 1-800-4-CIRRUS and 1-800-THE-PLUS for the nearest U.S. or Canadian ATM location.
This Agreement sets forth the ATM card terms and conditions relating to the use of your Rolette State Bank Card at automated teller machines (ATMs) and other electronic banking services (EFT). Rolette State Bank will hereinafter be referred to as (we) (us) or Rolette State Bank.
I. Services Available at Automated Teller Machines and Other Electronic Funds Transfers.
II. Limitations on Dollar Amounts of Transfers. You may withdraw up to $200 in cash from ATMs per 24-hour period. Additional limitations may exist for ATMs operated by other institutions. You cannot make payments, deposits or transfers at ATMs other than at your own financial institution.
III. Charges. There are fees associated with the use of non-proprietary ATMs. There will be a $l.00 charge for each use of a non-proprietory ATM. Entries initiated through the ATMs subsequently posted to your checking account are subject to the bank service charges just as if you had actually written a check.
IV. How to Notify Us of an Unauthorized Transaction. If you believe your card or personal Identification Number (PIN) has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, contact us:
V. Business Days. Our business days are Monday through Friday, unless otherwise posted. Holidays are not included. (NOTE: Transfers made at ATMs on a non-business day or after the ATMs processing cut off time will be posted on the next business day.)
VI. Your liability. Tell us AT ONCE if you believe your Card or PIN has been stolen. Telephoning is the best way of keeping your possible losses to a minimum. You could lose all the money in your account. If you tell us within two business days, you can lose no more than $50 if someone used your Card or PIN without your permission.
If you do NOT tell us within two business days after you learn of the loss of your Card or PIN and we can prove that we could have stopped someone from using your Card or PIN without your permission if you had told us, you could lose as much as $500.
Also, if your statement shows transactions that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 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 long trip or a hospital stay) kept you from telling us, we will extend the time periods.
VII. Bank Liability: If we do not complete a transaction to or from your checking or savings account on time or in the correct amount according to this Agreement with you, we will be liable for your losses or damages. We will not be liable, however, if:
VIII. Documentation. You will get a receipt at the time you perform a transaction at an electronic terminal. You will also get a monthly account statement unless there are not transactions on a particular month. This section does not apply to transactions occurring outside the United States.
IX. Privacy. We may disclose information to third parties about your accounts and the transactions you perform:
X. Change in Terms. We may change the terms of the Agreement from time to time by sending a written notice or amended Agreement to you at the last address shown in our records for your EFT account. We reserve the right to terminate the Agreement and/or your use of ATMs and other EFTs with or without cause. We may immediately do so if:
NOTE: If you ask us to terminate or suspend your account or the use of any account cards at ATMs or other EFTs, you will remain liable for subsequent ATM and EFT transactions performed by any other party to your ATM Card, EFT account.
Your Card(s) are the property of Rolette State Bank. You agree to surrender all Card(s) to us upon request.
Except as stated otherwise in this Agreement, this Agreement does not alter or amend the terms or conditions of any account agreement you have with us.
XI. Severability. If an part of this Agreement is found to be unenforceable, the remaining portions of the Agreement shall remain in full force and effect.