1. EFT Services
   If approved, you may conduct any one or more of the EFT services offered by United Credit Union:

1. United Credit Union ATM /MasterCard® Debit Card
   
   You may use your Card to purchase goods and services from participating merchants.  If you wish to pay for goods or services 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 of repeated overdrafts, the Credit Union may terminate all services under this Agreement. 
   
   You may use your Card and Personal Identification Number (PIN) in any Automated Teller Machines (ATMs).  At the present time you may also use your Card to:

   • Make deposits to your Savings or Checking accounts.
   • Withdraw funds from your Savings or Checking accounts.
   • Obtain balance information for your Savings or 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 mail or telephone from places that accept MasterCard®.

   The following limitation on the frequency and amount of ATM/Debit Card Transactions may apply:

   • There is no limit on the number of ATM/Debit Card purchases you make per day – up to a limit of $1,000.00.
   • Purchase amounts are limited to the amount of up to $1,000.00 per day in your account
   • There is no limit to the number of cash withdrawals you may make in any one day from an ATM machine – maximum limit
     $300.00 per day.
   • 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.
   • See Section 2 for transfer limitations that may apply to these transactions

   *Airline ticket purchases of over $1,000.00 will be denied.

2. Call-24

If we approve the Call 24 audio response access service for your account, a separate Personal Identification Number (PIN) will be selected by you.  You must use your PIN along with your account number to access your accounts. 

At the present time, you may use the audio access service to:

• Withdraw funds by check from your Savings and Checking accounts.
• Transfer funds from your Savings, Checking and Loan accounts.
• Obtain balance information for your Savings, Checking, Loan, IRA, and Certificate of Deposit accounts.
• Make loan payments from your Savings and Checking accounts.
• Access your Checking account to determine if a particular check has cleared.
• Obtain tax information on amounts earned on Savings, Checking, IRA and Certificate accounts or interest paid on Loan accounts.
• Verify the last date and amount of your Payroll Deposit.

Your accounts can be accessed under the Call-24 audio response service via a touch tone telephone only.  Call-24 is available for your convenience 24 hours per day.  This service may be interrupted for a short time each day for data processing updates.

• There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in one day.
• See Section 2 for transfer limitations that may apply to these transactions.

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 honor 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 each telephone call.

3. Pre-Authorized EFTs

   • Direct Deposit.  Upon instruction of (i) your employer or (ii) the Treasury Department or (iii) other financial institutions, the Credit Union will accept direct deposits of your paycheck, pension check, or of federal recurring payments, such as Social Security, to your Checking   and / or Savings account.
   • Pre-authorized Debits.  Upon instruction, we will pay certain recurring transactions from your Savings or Checking account.
   • The Credit Union will send you notice when a transaction is not completed as scheduled.
   • See Section 2 for transfer limitations that may apply to these transactions.
   
   
4. Electronic Check Conversion/Electronic Returned Check Fees

If you pay for something with a check or share draft you may authorize your check or share draft to be converted to an electronic fund transfer.  You may also authorize merchants to electronically debit your account for returned check fees.  You are considered to have authorized these electronic funds transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization.

5. Automatic Payment Center (Bill Payments)

United Credit Union will process bill payment transfer requests only to those creditors the Credit Union has designated in the User Instructions and such creditors as you authorize and for whom United Credit Union has the proper vendor code number.  We will not process any bill payment transfer if the required transaction information is incomplete.


We will withdraw the designated funds from your Checking account for bill payment transfer by the designated cut-off time on the date of your scheduled payment.  We will process your bill payment transfer within a designated number of days before the date you are scheduled for payment.  You must allow sufficient time for vendors to process your payment after they receive a transfer from the Credit Union.  Please leave as much time as though you were sending your payment by mail.  We cannot guarantee the time that any payment will be credited to your account by the vendor.

• There is no limit on the number of bill payments per day. 

2. Transfer Limitation

For all Savings accounts, no more than six (6) pre-authorized automatic, or telephone transfers and withdrawals may be made from these accounts to another account of yours or to a third party in any month, and no more than three (3) of these six (6) may be made by check, share draft, or access card to a third party.  If you exceed these limitations, your account may be subject to a fee or be closed.

3. Conditions of EFT Services

For all Savings accounts, no more than six (6) pre-authorized automatic, or telephone transfers and withdrawals may be made from these accounts to another account of yours or to a third party in any month, and no more than three (3) of these six (6) may be made by check, share draft, or access card to a third party.  If you exceed these limitations, your account may be subject to a fee or be closed.

1. Ownership of Cards
   
   Any Card or other devices which we supply to you is our property and must be returned to us, or to any person whom we authorize to act as our agent, or to any person who is authorized to honor the Card, immediately according to instructions.  The Card may be repossessed at any time at our sole discretion without demand or notice. You cannot transfer your Card or account to another person.

2. Honoring the Card
   
   Neither we nor merchants authorized to honor the Card will be responsible for the failure or refusal to honor the Card or any other device we supply to you.  If a merchant agrees to give you a refund or adjustment, you agree to accept a credit to your account in lieu of a cash refund

3. Foreign Transactions

If you effect a transaction with your MasterCard Debit Card or United Credit Union ATM Card in a currency other than U.S. dollars, MasterCard International Incorporated or the network doing the transaction switching will convert the charge into U.S. dollar amount. The currency conversion rate used by MasterCard International and participating Networks to determine the transaction amount in U.S. dollars for such transactions is generally either a government mandated rate or a wholesale rate for the processing cycle in which the transaction is processed. The currency conversion rate on the processing date may differ from the rate that would have been used on the purchase date or cardholder posting date.

4. Security of Access Code
   
   You may use one or more access codes with your electronic fund transfers.  The access codes issued to you are for your security purposes.  Any codes issued to you are confidential and should not be disclosed to third parties or recorded on or kept with your Card. You are responsible for safekeeping your access codes. You agree not to disclose or otherwise make your access codes available to anyone not authorized to sign on your accounts.  If you authorize anyone to use your access codes that authority shall continue until you specifically revoke such authority by notifying United Credit Union. You understand that any Joint Owner you authorize to use an access code may withdraw or transfer funds from any of your accounts.  If you fail to maintain the security of these access codes and the Credit Union suffers a loss, we may terminate your EFT services immediately.

5. Joint Accounts
   
   If any of your accounts accessed under this Agreement are joint accounts, all Joint Owners, including any authorized users, shall be bound by this Agreement and, alone or together, shall be responsible for all EFT transactions to or from any Savings, Checking, or Loan accounts as provided in this Agreement.  Each Joint Account Owner, without the consent of any other Account Owner, may, and hereby is authorized by every other Joint Owner to, make any transaction permitted under this Agreement.  Each Joint Account Owner is authorized to act for the other Account Owners, and the Credit Union may accept orders and instructions regarding any EFT transaction on any account from any Joint Account Owner.

4. Fees and Charges

There are certain charges for electronic funds transfer services.  From time to time, the charges may be changed.  We will notify you of any changes as required by applicable law.

If you use an ATM not operated by United Credit Union, you may be charged a fee by the ATM operator and by any national, regional, or local network used in processing the transaction (you may be charged a fee for a balance inquiry even if you don’t complete a funds transfer).  The ATM surcharge will be debited from your account if you elect to complete the transaction or continue with the balance inquiry.

1. Call 24 Fees

• $5.00 per withdrawal from Savings or Checking after six (6) withdrawals per month.  Withdrawals from your Checking account are unlimited

2. Pre-Authorized EFT Fees

   • Non-sufficient funds fee of $30.00

5. Member Liability

   You are responsible for all transactions you authorize using your EFT services under this Agreement.  If you permit someone else to use an EFT service, your Card or your access code, you are responsible for any transactions they authorize or conduct on any of your accounts.  However, TELL US AT ONCE, if you believe your Card and/or access code has been lost or stolen or if you believe someone has used your Card or access code or otherwise accessed your accounts without your permission.  Telephoning is the best way of keeping your possible losses down.  You could lose all the money in your account (plus your maximum overdraft line of credit).
   
   You are not liable for any unauthorized MasterCard® Debit transaction that was not conducted at an ATM if you can demonstrate that you exercised reasonable care in protecting your Card from loss or theft, you have not reported two or more incidents of unauthorized use in the past twelve (12) months, and your account is in good standing.  Otherwise, your liability for an unauthorized MasterCard® Debit card transaction that was not conducted at an ATM will be no more than $50.00.
   For all other EFT services involving access devices, including transactions conducted at ATMs, your liability for unauthorized transactions is determined as follows:

• If you notify us within two (2) business days, you can lose no more than $50.00 if someone used your Card or code without your permission. 
• If you DO NOT notify us within two (2) business days after you learn of the loss or theft of your Card or code, and we can prove that we could have stopped someone from using your Card without your permission if you had told us, you could lose as much as $500.00.

Also, if your statement shows transfers that you did not make, notify us at once.  If you do not notify us within sixty (60) days after the statement was mailed to you, you may not get back any money lost after the sixty (60) days if we can prove that we could have stopped someone from making the transfers if you had told us in time.  If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods.

If you believe your Card has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call:

United Credit Union, Member Services
800-848-3444

6. Right to Receive Documentation

1. Periodic Statements
   
   Transfers and withdrawals made through any Debit Card transactions, audio response transactions, pre-authorized EFTs or bill payments you make will be recorded on your periodic statement.  You will receive a statement monthly unless there is no transaction in a particular month.  In any case, you will receive a statement at least quarterly.

2. Terminal Receipt
   
   You will get a receipt at the time you make any transaction (except inquiries) involving your account using an ATM, POS terminal or Debit Card transaction with a participating merchant.
   

3. Direct Deposit

   If you have arranged to have a Direct Deposit made to your account at least once every sixty (60) days from the same source and you do not receive a receipt (such as a pay stub), you can find out whether or not the deposit has been made by calling United Credit Union at  773-376-6000, calling Call 24 at 773-376-6106, or accessing Home Banking via the internet.  This does not apply to transactions occurring outside the United States.

7. Account Information Disclosure

United Credit Union will disclose information to third parties about your account or the transfer you make:

• As necessary to complete transfers;
• To verify the existence of sufficient funds to cover a specific transaction upon the request of a third party, such as a credit bureau or merchant;
• If your account is eligible for emergency cash and/or emergency card replacement services, and you request such services, you agree that we may provide personal information about you and your account that is necessary to provide you with requested service(s).
• To comply with government agency or court orders; or
• If you give us your written permission.
  

8. Business Days

Our business days are Monday through Friday, excluding holidays.

9. Credit Union Liability and Pre-authorized Payments

1. Credit Union Liability for Failure to make Transfers
   
   If United Credit Union does not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we may be liable for your losses or damages in the following events:

   • If, through no fault of ours, there is not enough money in your accounts to complete the transaction, if any funds in your accounts necessary to complete the transaction are held as uncollected funds or pursuant to our Funds Availability Policy, or if the transaction involves a loan request exceeding your credit limit.
   • If you used your Card or access code in an incorrect manner.
   • If the ATM where you are making the transaction does not have enough cash.
   • If the ATM was not working properly and you were aware of the problem when your started the transaction.
   • If acts of God (such as fire, flood, or power failure) prevent the transaction.
   • If the money in your account is subject to legal process or other claim.
   • If the funds in your account are pledged as collateral subject to our lien or frozen because of a delinquent loan.
   • If the error was caused by a processing system of any participating ATM network.
   • If any circumstances beyond our control (such as your willful or negligent use of your Card, access code or any EFT facility for making such transfers) prevent the transaction.
   • If the telephone or computer equipment you use to conduct audio response or electronic transactions is not working properly and you know or should have known about the breakdown when you started the transaction.
   • If you have bill payment services, we can only confirm the amount, the participating merchant, and date of the bill payment transfer made by the Credit Union.  For any other error or question you have involving the billing statement of the participating merchant, you must contact the merchant directly.  We are not responsible for investigating such errors.
   • Any other exceptions as established by the Credit Union.
     
     
2. Pre-authorized Payments
   • Stop Payment Rights
     If you have arranged in advance to make regular electronic fund transfers out of your account(s) for money you owe others, you may stop payment of pre-authorized transfers from your account.  You must notify us orally or in writing at any time up to three (3) business days before the scheduled date of the transfer.  We may require written confirmation of the stop payment order to be made within fourteen (14) days of any oral notification.  If we do not receive the written confirmation, the oral stop payment shall cease to be binding fourteen (14) days after it has been made.
   • Notice of Varying Amounts
     If these regular payments may vary in amount, the person you are going to pay is required to tell you, ten (10) days before each payment, when it will be made and how much it will be. You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment or when the amount would fall outside certain limits that you set.
   • Liability for Failure to Stop Payment of Pre-authorzed Transfer
     If you order us to stop payment of a pre-authorized transfer three (3) business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.

     ACH  pre-authorization cannot be given orally to the Credit Union.  We must receive it in writing – fax or by mail, signed.

10. Notices

All notices from United Credit Union will be effective when we have mailed them or delivered them to your last known address in the Credit Union’s records.  Notices from you will be effective when received by the Credit Union at the address specified in the Agreement.  We reserve the right to change the terms and conditions upon which this service is offered.  We will mail notice to you at least twenty-one (21) days before the effective date of any change.  Use of this service is subject to existing regulations governing the Credit Union account and any future changes to those regulations.

11. Billing Errors

In case of errors or questions about electronic funds transfers from your Savings and Checking accounts, telephone us at the following number or send us a written notice to the following address as soon as you can.  We must hear from you no later than sixty (60) days after we sent the FIRST statement on which the problem appears.
Call us at:

United Credit Union
773-376-6000 

Fax us at:        
773-376-1061

Write to:         
United Credit Union
4444 S. Pulaski Road
Chicago, Illinois 60632

• Tell us your name and account number.
• Describe the electronic transfer you are unsure about, and explain as clearly as you can why you believe the Credit Union has made an error or why you need more information.
• Tell us the dollar amount of the suspected error.
• If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days,

We will tell you the results of our investigation within ten (10)* business days after we hear from you and will correct any error promptly.  If we need more time, however, we may take up to forty-five (45) days** to investigate your complaint or question.  If we decide to do this, we will credit your account within ten (10)* business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation.  If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your account.

If we decide that there was no error, we will send you a written explanation within three (3) business days after we finish our investigation.  You may ask for copies of the documents that we used in our investigation.  We reserve the right to reverse any amount re-credited to your account.

• *If you give notice of an error within thirty (30) days after you make the first deposit to your account, we will have twenty (20) business days instead of ten (10) business days.
• **If you give notice of an error within thirty (30) days after you make the first deposit to your account, notice an error involving a point of sale transaction, or notice of an error involving a transaction initiated outside the U.S. its possessions and territories, we will have ninety (90) days instead of forty-five (45) days to investigate.

12. Termination of EFT Services

You may terminate this Agreement or any EFT service under this Agreement at any time by notifying us in writing and stopping your use of your Card and access code.  You must return all Cards to the Credit Union. You also agree to notify any participating merchants that authority to make bill payment transfers has been revoked. 

United Credit Union may also terminate this Agreement at any time by notifying you orally or in writing.  If we terminate this Agreement, we may notify any participating merchants making pre-authorized debits or credits to any of your accounts that this Agreement has been terminated and that we will not accept any further pre-authorized transaction instructions.  We may also program our computer not to accept your Card or access code for any EFT services. 

Whether you or the Credit Union terminates this Agreement, the termination shall not affect your obligations under this Agreement for any EFTs made prior to the termination.

13. Governing Law

This Agreement is governed by the By-Laws of United Credit Union, federal law and regulations, the laws and regulations of the State of Illinois and local clearinghouse rules, as amended from time to time.  Any disputes regarding this Agreement shall be subject to the jurisdiction of the court of the county in which the home office of the Credit Union is located.

14. Enforcement

You are liable to us for any loss, cost or expenses we incur resulting from your failure to follow this Agreement.  You authorize us to deduct any such loss, costs, or expenses from your account without prior notice to you.  If we bring legal action to collect any amount due under or to enforce this Agreement, we shall be entitled, subject to applicable law, to payment of reasonable attorney’s fees and costs, including fees on any appeal, bankruptcy proceedings and any post-judgment collection actions.

 

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Disclosure:  Availability of Funds

This disclosure describes your ability to withdraw funds at United Credit Union. It only applies to the availability of funds in transaction accounts. United Credit Union reserves the right to delay the availability of funds deposited to accounts that are not transaction accounts for period longer than those disclosed in the policy. Please ask us if you have a question about which accounts are affected by the policy.

1. Determining the Availability of a Deposit
   
   The date on which you may withdraw funds is counted in business days from the next business day of your deposit. Every day is a business day except, Saturdays, Sundays and Federal Holidays. If you make a deposit before 4:00 p.m. CST on a business day that we are open, we will consider that day to be the day of your deposit. However, is you make a deposit after 4:00 p.m. CST on a day that we are open, we will consider that the deposit was made on the next business day we are open.
   
   The length of the delay varies depending on the type of deposit and is explained below.
   

2. Availability
   
   Funds from the following deposits are available on the same day of deposit:

   • State and local government checks
   • Federal Reserve Bank and Federal Home Loan Bank checks
   • U.S. Treasury checks
   • Checks drawn on United Credit Union
   • Payroll or Company issued checks for employee of all United Credit Union Select Employee Groups

   Funds from the following deposits are available on the next business day:

   • Cashier’s checks
   • Teller’s checks
   • Certified checks
   • U.S. Postal Service Money Orders

3. Availability of Other Check Deposits
   
   A two business day hold will apply to all other checks, with the exception of $100.00, which is available the next business day.
   
   A five business day hold will apply to deposits made through an ATM Machine
   
   Foreign checks are not accepted for deposit.  A foreign check is defined as any check that is drawn on a foreign bank.

4. Longer Delays May Apply

We may delay your ability to withdraw funds deposited by check into your account an additional number of days for these reason:

• We believe a check you deposited will not be paid.
• Your deposited check or checks totaling more than $2,500.00.
• You re-deposit a check that has been returned unpaid.
• You have overdrawn your account repeatedly in the last six (6) months.
• There is an emergency, such as failure of communications or computer equipment.

We will notify you if we delay your ability to withdraw funds for any reasons, and we will tell you when the funds will be available.

5. Special Rules for New Accounts

If you are a new member, the following special rules will apply during the first thirty (30) calendar days that the account is open:

• Funds from electronic direct deposits, cash and wore transfers to the account will be available on the day we receive the deposit.
• The first $5,000.00 of a new account day’s total deposits of state and local government checks, Federal Reserve Bank and Federal Home Loan Bank checks, U.S. treasury checks, Checks drawn on United Credit Union and Payroll or Company issued checks for employees of all SEG Groups will be available the same day.
• The first $5,000.00 of a day’s deposits of Cashier’s Certified or Teller checks will be available on the next business day after the day of deposit.
• The excess over $5,000.00 will be available on the seventh (7) business day after the day of deposit.
• Funds from all other check deposits will be available on the seventh (7) business day after the day of deposit.

6. Credit Union Liability and Pre-authorized Payments

   1. Credit Union Liability for Failure to make Transfer

If United Credit Union does not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we may be liable for your losses or damages in the following events:

• If, through no fault of ours, there is not enough money in your accounts to complete the transaction, if any funds in your accounts necessary to complete the transaction are held as uncollected funds or pursuant to our Funds Availability Policy, or if the transaction involves a loan request exceeding your credit limit.
• If you used your Card or access code in an incorrect manner.
• If the ATM where you are making the transaction does not have enough cash.
• If the ATM was not working properly and you knew about the problem when you started the transaction.
• If acts of God (such as fire, flood, or power failure) prevent the transaction.
• If the money in your account is subject to legal process or other claim.
• If the funds in your account are pledged as collateral subject to our lien or frozen because of a delinquent loan.
• If the error was caused by a system problem of any participating ATM network.
• If any circumstances beyond our control (such as your willful or negligent use of your Card, access code or any EFT facility for making such transfers) prevent the transaction.
• If the telephone or computer equipment you use to conduct audio response or electronic/PC transactions is not working properly and you know or should have known about the breakdown when you started the transaction.
• If you have bill payment services, we can only confirm the amount, the participating merchant, and date of the bill payment transfer made by the Credit Union.  For any other error or question you have involving the billing statement of the participating merchant, you must contact the merchant directly.  We are not responsible for investigating such errors.
• Any other exceptions as established by the Credit Union.
  

2. Pre-authorized Payments

   • Stop Payment Rights
     If you have arranged in advance to make regular electronic fund transfers out of your account(s) for money you owe others, you may stop payment of pre-authorized transfers from your account.  You must notify us orally or in writing at any time up to three (3) business days before the scheduled date of the transfer.  We may require written confirmation of the stop payment order to be made within fourteen (14) days of any oral notification.  If we do not receive the written confirmation, the oral stop payment shall cease to be binding fourteen (14) days after it has been made.
   • Notice of Varying Amounts
     If these regular payments may vary in amount, the person you are going to pay is required to tell you, ten (10) days before each payment, it will be made and how much it will be. You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment or when the amount would fall outside certain limits that you set.
   • Liability for Failure to Stop Payment of Pre-authorized Transfer
     If you order us to stop payment of a pre-authorized transfer three (3) business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.
7. Notices

All notices from United Credit Union will be effective when we have mailed them or delivered them to your last known address in the Credit Union’s records.  Notices from you will be effective when received by the Credit Union at the address specified in the Agreement.  We reserve the right to change the terms and conditions upon which this service is offered.  We will mail notice to you at least twenty-one (21) days before the effective date of any change.  Use of this service is subject to existing regulations governing the Credit Union account and any future changes to those regulations.

8. Billing Errors

In case of errors or questions about electronic funds transfers from your Savings and Checking accounts, telephone us at the following number or send us a written notice to the following address as soon as you can.  We must hear from you no later than sixty (60) days after we sent the FIRST statement on which the problem appears.

Call us at:       
United Credit Union
773-376-6000 

Fax us at:        
773-376-1061

Write to:         
United Credit Union
4444 S. Pulaski Road
Chicago, Illinois 60632

• Tell us your name and account number.
• Describe the electronic transfer you are unsure about, and explain as clearly as you can why you believe the Credit Union has made an error or why you need more information.
• Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days,

We will tell you the results of our investigation within ten (10)* business days after we hear from you and will correct any error promptly.  If we need more time, however, we may take up to forty-five (45) days** to investigate your complaint or question.  If we decide to do this, we will credit your account within ten (10)* business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation.  If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your account.

If we decide that there was no error, we will send you a written explanation within three (3) business days after we finish our investigation.  We reserve the right to reverse the credit. You may ask for copies of the documents that we used in our investigation.

*If you give notice of an error within thirty (30) days after you make the first deposit to your account, we will have twenty (20) business days instead of ten (10) business days.

**If you give notice of an error within thirty (30) days after you make the first deposit to your account, notice an error involving a point of sale transaction, or notice of an error involving a transaction initiated outside the U.S. its possessions and territories, we will have ninety (90) days instead of forty-five (45) days to investigate.

9. Termination of EFT Services

You may terminate this Agreement or any EFT service under this Agreement at any time by notifying us in writing and stopping your use of your Card and access code.  You must return all Cards to the Credit Union. You also agree to notify any participating merchants that authority to make bill payment transfers has been revoked. 

United Credit Union may also terminate this Agreement at any time by notifying you orally or in writing.  If we terminate this Agreement, we may notify any participating merchants making pre-authorized debits or credits to any of your accounts that this Agreement has been terminated and that we will not accept any further pre-authorized transaction instructions.  We may also program our computer not to accept your Card or access code for any EFT services. 

Whether you or the Credit Union terminates this Agreement, the termination shall not affect your obligations under this Agreement for any EFTs made prior to the termination.

10. Governing Law

This Agreement is governed by the By-Laws of United Credit Union, federal law and regulations, the laws and regulations of the State of Illinois and local clearinghouse rules, as amended from time to time.  Any disputes regarding this Agreement shall be subject to the jurisdiction of the court of the county in which the Credit Union is located.

11. Enforcement

You are liable to us for any loss, cost or expenses we incur resulting from your failure to follow this Agreement.  You authorize us to deduct any such loss, costs, or expenses from your account without prior notice to you.  If we bring legal action to collect any amount due under or to enforce this Agreement, we shall be entitled, subject to applicable law, to payment of reasonable attorney’s fees and costs, including fees on any appeal, bankruptcy proceedings and any post-judgment collection actions.