United Credit Union

I accepted United Credit Union’s MasterCard® Debit Card. I/WE understand that this is not a credit card and that the dollar amount of the purchases made with this card will be deducted from my United Credit Union CHECKING ACCOUNT ONLY. I agree to the terms and conditions outlined in the United Credit Union MasterCard® Debit Card Disclosure Statement that I will receive.

Account No.

Member Applicant

Last name First name Mi (optional Mrs. Miss. Ms. Mr.)

Soc Sec No - - Birth date - Mother's maiden name Years at current residence

Street Address Apt# if applicable City/Town State Zip

Prior Address (if less than one year at current address) City/Town
State Zip How long?

Home phone - - Employer Occupation

Employers address City/Town State Zip

Business phone - - Annual salary $ Date employed mo year

Drivers licence or State ID State of issue

Co-Applicant

Last name First name Mi (optional Mrs. Miss. Ms. Mr.)

Soc Sec No - - Birth date - Mother's maiden name Years at current residence

Street Address Apt# if applicable City/Town State Zip

Prior Address (if less than one year at current address) City/Town
State Zip How long?

Home phone - - Employer Occupation

Employers address City/Town State Zip

Business phone - - Annual salary $ Date employed mo year

Drivers licence or State ID State of issue

I authorize United Credit Union to access the folowing account(s) as overdraft protection on my Checking/Sharedraft account

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I hereby certify that all statements made are true and complete.

Disclosure

You may use your Card to purchase goods and services from participating merchants. If you wish to pay for goods or servers over the Internet, you may be required to provide card member security information before you will be permitted to complete the transaction. You agree that you will not use your Card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your Card purchases will be deducted from your Checking account. If the balance in your account is not sufficient to pay the transaction amount; United Credit Union will pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts or loan accounts that you have established with United Credit Union. If you initiate a transaction that overdraws your Account, you agree to make immediate payment of any overdrafts together with any service charges to United Credit Union. In the event or repeated overdrafts, the Credit Union may terminate all services under this Agreement.
You may use your Card and Personal Identification Number (PIN) in Automated Teller Machines (ATMs) of the Credit Union, STAR PLUS, Exchange, Cirrus, and such other machines of facilities as the Credit Union may designate. At the present time you may also use your Card to:

Make deposits to your Checking accounts.
Withdraw funds from your Checking accounts.
Obtain balance information for your Checking accounts.
Make Point of Sale (POS) transactions with your Card and PIN to purchase at merchants that accept MasterCard®.
Order goods or services by mil or telephone from places that accept MasterCard®.
The following limitation on the frequency and amount of ATM/Debit Funds Card Transactions may apply:
There is no limit on the number of ATM/Debit Funds Card purchases you make per day
Purchase amounts are limited to the amount in your account.
There is no limit to the number of cash withdrawals you may make in any one day from an ATM machine.
You may withdraw up to a maximum of $300.00 in any one day from an ATM machine, if there are sufficient funds in your account.

United Credit Union reserves the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. All checks are payable to you as a primary member and will be mailed to your address of record. The Credit Union may set other limits on the amount of any transaction, and you will be notified of those limits. United Credit Union may refuse to hone any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction, and there may be limits on the duration of the each telephone call.