KECUDEBITCARD APPLICANT AccountNumbers Name Address City ID: 855039
Download Pdf The PPT/PDF document "APPLICATIONFOR" is the property of its rightful owner. Permission is granted to download and print the materials on this web site for personal, non-commercial use only, and to display it on your personal computer provided you do not modify the materials and that you retain all copyright notices contained in the materials. By downloading content from our website, you accept the terms of this agreement.
1 APPLICATIONFOR KECUDEBITCARD APPLICANT A
APPLICATIONFOR KECUDEBITCARD APPLICANT AccountNumber(s)______________________________ Name________________________________________ Address_______________________________________ City__________________________________________ State_____________________Zip_________________ HomePhoneNumber____________________________ SocialSecurity#________________________________ DateofBirth___________________________________ Employer______________________________________ CO-APPLICANT Name________________________________________ Address (ifdifferentfromabove)_________________________________ City_______________State_______Zip__________ HomePhoneNumber____________________________ SocialSecurity#________________________________ DateofBirth___________________________________ Employer______________________________________ Signatures: Bysigningbelow,theundersigned request(s)thedescribedservicesandagreestothe termsandconditionsgoverningtheservices,including anyfeesandcharges.Theundersigned agree(s)thatall informationisaccurateandauthorizesthefinancial institutiontoverifycreditandemploymenthistoryby anynecessarymeans,includingpreparationofacredit reportbyacreditreportingagency. Applicant'sSignature____________________________ Date__________________________________________ Co-Applicant'sSignature__________________________ Date__________________________________________ MailorDeliverto: KONEEMPLOYEESCREDITUNION 450227 th Street,SuiteK Moline,IL61265 OfficialUseOnly Datereceived___________________________________ Approved(Y/N)________________________________ ProcessedBy___________________________________ ELECTRONICFUNDTRANSFERS YOURRIGHTSANDRESPONSIBILITIES Indicated belowaretypesofElectronicFundTransfersweare capableofhandling, someofwhichmaynotapplytoyouraccount.Pleasereadthisdisclosurecarefully becauseittellsyouyourrightsandobligationsforthetransactionslisted. Youshould keep thisnoticeforfuturereference. ATMTransfers-typesoftransfersanddollarlimitations-Youmayaccessyour account(s)byATMusingyour cuCheck Cardandpersonal identificationnumber,to: makedepositstocheckingaccount(s)withadebitcard makedepositstosavingsaccount(s)withadebitcard getcashwithdrawalsfromcheckingaccount(s)withadebit card-youmaywithdrawnomorethan$200.00perday getcashwithdrawalsfromsavingsaccount(s)witha debitcard-youmaywithdrawnomorethanS200.00perday transferfundsfromsavingstocheckingaccount(s)withadebitcard transferfundsfromcheckingtosavingsaccount(s)witha debitcardSomeoftheseservices maynotbeavailableatallterminals. PleasealsoseeLimitationsonfrequencyoftransferssectionregarding limitationsthat applytoATMtransfers. TypesofcuCheckCardPoint-of-SaleTransactions-Youmayaccessyour checkingorsavings account(s)topurchasegoods(inperson orbyphone),payfor services(inpersonorbyphone),getcashfrontamerchant,ifthemerchant permits,orfromaparticipatingfinancialinstitution,anddoanythingthatyoucan dowithacredit card(thataparticipatingmerchantwill acceptwithacreditcard). Point-of-SaleTransactions-dollarlimitations-Usingyourcard: youmaynotexceed$200.00intransactionsperday PleasealsoseeLimitationsonfrequencyoftransferssectionregarding limitations that applytodebitcardtransactions. CurrencyConversion.WhenyouuseyourcuCheckCardatamerchantthatseffles incurrencyotherthan USdollars.thechargewillbeconvertedintotheUSdollar amount.Thecurrencyconversionrateusedtodeterminethetransactionamountin USdollarsiseitherawholesalemarketrateorthegovernmentmandatedratein effectthedaybeforetheprocessingdate,increasedby1%.Theconversionratein effectontheprocessingdatemaydifferfromtherateineffectonthetransaction dateorpostingdate. AdvisoryAgainstIllegalUse.Youagreenottouseyourcard(s)forillegal gamblingorotherillegalpurpose. Displayofapaymentcardlogoby.for example. an onlinemerchantdoes notnecessarilymeanthattransactionsarelawfulin all jurisdictionsinwhichthecardholdermay belocated. Limitationsonfrequencyoftransfers.Inadditiontothoselimitationsontransfers elsewheredescribed.ifany.thefollowing limitationsapply: Duringanymonth,youmaynotmakemorethansixwithdrawalsortransfers fromasavingsaccount(s)toanothercreditunionaccountofyoursortoathird partybymeansofapreauthorizedorautomatictransferortelephonicorderor instruction.Nomorethanthreeofthesixtransfersmaybemadebydebitcardor similarordertoathirdparty.Ifyouexceedthetransferlimitationssetforth above.youraccountwillbesubjecttoclosurebythecreditunion. FEES Wewillchargeyou S10.00toreplacealostdebitcard. ATMOperator/NetworkFees.WhenyouuseanATMnotownedbyus.youmaybe chargedafeebytheATM operatororanynetworkused(andyoumaybechargedafee for abalanceinquiryevenifyoudonotcomplete afundtransfer). DOCUMENTATION Terminaltransfers.You cangetareceiptat thetimeyoumakeany transfer toorfromyour accountusingoneofourautomatedtellermachinesor point- of-saleterminals. Periodicstatements. Youwillgetamonthly accountstatementfromusforyourchecking accounts. Youwillgetamonthlyaccountstatementfromusforyoursavings accounts,unlesstherearenotransfersinaparticularmonth.Inanycase,you willgeta statementatleastquarterly. FINANCIALINSTITUTION'SLIABILITY Liabilityforfailuretomaketransfers. Ifwedonot completeatransfertoor fromyour accountontimeorinthe correctamountaccordingtoouragreementwith you,wewill beliable foryourlossesordamages.However,therearesome exceptions. We willnotbeliable.forinstance: (1)If,throughnofaultofours,youdonothave enoughmoney inyouraccountto makethetransfer. (2)Ifyouhaveanoverdraft lineandthe transfer wouldgooverthecredit limit. (3)Iftheautomatedteller machine whereyou aremakingthetransferdoesnot have enoughcash. (4)Iftheterminalorsystemwasnotworkingproperly andyouknewaboutthe breakdownwhenyoustartedthetransfer. (5)Ifcircumstancesbeyondourcontrol(suchasfireorflood)preventthe transfer,despitereasonableprecautionsthatwehavetaken. (6)Theremaybeother exceptionsstatedinouragreementwithyou. CONFIDENTIALITY Wewilldiscloseinformation tothirdpartiesabout youraccount orthetransfers you make: (1)whereitisnecessaryforcompletingtransfers;or (2)inordertoverifytheexistenceandconditionofyouraccount forathird party, suchasacreditbureauormerchant;or (3)inordertocomplywithgovernmentagencyorcourtorders;or (4)asexplained intheseparatePrivacyDisclosure. UNAUTHORIZEDTRANSFERS (a)Consumerliability. Generally. TellusATONCE ifyoubelieveyourcardand/orcodehas beenlosto
2 rstolen. Telephoningisthe bestwayofkeepi
rstolen. Telephoningisthe bestwayofkeepingyourpossiblelossesdown. Youcouldlose allthemoneyin youraccount(plusyourmaximumoverdraftlineof credit).Ifyoutell uswithin2business days,youcanloseno more than$50ifsomeone usedyourcardand/orcodewithoutyourpermission.(Ifyoubelieveyour card and/or codehasbeenlostorstolen,andyoutelluswithin2businessdaysafteryoulearnof thelossortheft,youcanloseno more than$50ifsomeoneusedyour card and/or codewithoutyourpermission.) IfyoudoNOTtelluswithin2businessdaysafteryoulearnofthelossortheft of yourcardand/orcode,andwecanprovewecouldhavestoppedsomeone from using yourcardand/orcodewithoutyourpermissionifyouhad told us,youcouldloseas muchasS500. Also,ifyourstatementshowstransfersthatyoudidnotmake,tellus at once.If youdonottelluswithin60daysafterthestatementwasmailedtoyou, youmaynot get backanymoneyyoulostafterthe60daysifwecanprovethatwe couldhave stopped someonefromtakingthemoneyifyouhadtoldusintime. Ifagoodreason(suchasalongtriporahospitalstay)keptyou fromtellingus, we willextendthetimeperiods. AdditionalLimitonLiabilityforcuCheckCard. Unless you havebeen grosslynegligentorhaveengagedinfraud,youwillnot beliable for any unauthorized transactionsusingyourlostorstolencuCheckCard.Thisadditional limitonliability doesnotapplytoATMtransactions,totransactions usingyour PersonalIdentificationNumberwhicharenotprocessedbyVISA®, ortocommercial cards. (b)Contactineventofunauthorizedtransfer.Ifyoubelieveyourcardand/or code hasbeenlostorstolenorthatsomeonehas transferredormaytransfermoney fromyouraccount withoutyourpermission,callorwriteus at thetelephonenumber or addresslistedinthis brochure. ERRORRESOLUTIONNOTICE InCaseofErrors orQuestionsAboutYourElectronic Transfers,CallorWriteusat thetelephonenumberoraddresslisted inthis brochure,assoonasyoucan,ifyou thinkyourstatementorreceiptiswrongorifyouneedmoreinformationabouta transferlistedonthestatementorreceipt.Wemusthearfromyounolaterthan60 daysafterwesentthe FIRST statementonwhichtheproblemorerrorappeared. (1)Tellusyour name andaccountnumber(ifany). (2)Describetheerrororthetransferyouareunsureabout,andexplain as clearlyasyoucanwhyyoubelieveitisanerrororwhyyou needmore information. (3)Tellusthedollaramountofthesuspectederror. Ifyou tellus orally,wemayrequirethatyousendusyourcomplaintorquestionin writingwithin10businessdays. Wewilldeterminewhetheranerroroccurredwithin 10 businessdays(5 businessdaysforcuCheckCardpoint-of-saletransactionsand20businessdaysif thetransferinvolvedanewaccount)afterwehearfromyouandwillcorrectanyerror promptly.Ifweneedmoretime,however,wemaytakeupto45days(90daysifthe transferinvolvedanewaccount,apoint-of-saletransaction,oraforeign-initiated transfer)toinvestigateyourcomplaintorquestion.Ifwedecidetodothis,wewill credityouraccountwithin10businessdays(5businessdaysforcuCheck Card point-of-saletransactionsand20businessdaysifthetransferinvolveda new account)fortheamountyouthinkisin error.so thatyou willhave theuseof the moneyduringthetimeittakesustocompleteourinvestigation. If weaskyouto put yourcomplaintorquestioninwritingandwedonotreceiveitwithin10business days,wemaynotcredityouraccount.Youraccountisconsideredanewaccount forthefirst30daysafterthefirstdepositismade,unlesseachofyoualready hasanestablishedaccountwithusbeforethisaccountisopened. Wewilltellyoutheresultswithinthreebusinessdaysaftercompletingour investigation.Ifwedecidethattherewasnoerror,wewillsendyouawritten explanation. Youmayaskfor copiesofthedocumentsthatweusedinour investigation. KONEEMPLOYEESCREDITUNION ONEKONECOURT MOLINE,IL61265 BusinessDays:MondaythroughFriday ExcludingFederalHolidays Phone:309-743-5482 MOREDETAILEDINFORMATIONISAVAILABLE ONREQUEST NOTICEOFATM/NIGHTDEPOSIT FACILITYUSERPRECAUTIONS Aswithallfinancialtransactions,pleaseexercisediscretionwhenusingan automatedtellermachine(ATM)ornightdepositfacility.Foryourownsafety,be careful.Thefollowingsuggestionsmaybehelpful. 1.Prepareforyourtransactionsathome(forinstance,byfillingoutadeposit slip)tominimizeyourtimeattheATMornightdepositfacility. 2.Markeachtransactioninyouraccountrecord,butnotwhileatthe ATMornightdepositfacility.AlwayssaveyourATMreceipts.Don't leavethemattheATMornightdepositfacilitybecausetheymay containimportantaccountinformation. 3.Compareyourrecordswiththeaccountstatementsyoureceive. 4.Don'tlendyourATMcardtoanyone. 5.Remember,donotleaveyourcardattheATM.Donotleaveany documentsatanightdepositfacility. 6.ProtectthesecrecyofyourPersonalIdentificationNumber(PIN). ProtectyourATMcardasthoughitwerecash.Don'ttellanyoneyour PIN.Don'tgiveanyoneinformationregardingyourATMcardor PIN Overthetelephone.Don'twriteyourPINwhereitcanbediscovered. Forexample,don'tkeepanoteofyourPINinyourwalletorpurse. 7.PreventothersfromseeingyouenteryourPINbyusingyourbodytoshield theirview. 8.IfyouloseyourATMcardorifitisstolen,promptlynotifyus.You should consulttheotherdisclosuresyouhavereceivedabout electronic fundtransfersforadditionalinformationaboutwhattodoif yourcardis lostorstolen. 9.When you makea transaction,beawareofyoursurroundings.Look outforsuspiciousactivityneartheATMornightdepositfacility, particularlyif itisafter sunset.Atnight,besurethatthefacility (includingtheparkingarea and walkways)iswelllighted.Consider havingsomeoneaccompanyyouwhenyouusethefacility,especially after sunset.Ifyou observeanyproblem,gotoanotherATMornight deposit facility. 10.Don't acceptassistancefromanyone youdon'tknowwhenusingan ATMornightdepositfacility. 11.Ifyounoticeanythingsuspiciousorifanyotherproblemarisesafter you havebegunanATMtransaction,youmaywanttocancelthe transaction, pocketyourcardand leave. Youmightconsiderusing another ATMorcomingbacklater. 12.Don'tdisplayyourcash;pocketitassoonastheATMtransactionis completed andcountthecashlaterwhenyouareinthesafetyofyourown car,home,orothersecuresurrounding. 13.At adrive-upfacility,makesureallthecardoorsarelockedandallof thewindowsarerolledup.exceptthedriver'swindow.Keepthe enginerunningandremainalerttoyoursurroundings. 14.We wanttheATMandnightdepositfacilitytobesafeandconvenient for you.Therefore.pleasetellusifyouknowofanyproblemwitha facility. Forinstance,letusknowifalightisnotworkingorthereis any damagetoafacility.Pleasereportanysuspiciousactivityor crimes toboththeoperatorofthefacilityandthelocallaw enforcement officialsimmediately. 66003-02