This Agreement refers to the Credit Union’s ATM (Automated Teller Machine) Service and ATM card. You may use your Democracy FCU ATM card to withdraw cash from your Share or Share-Draft accounts, transfer funds within your basic account number and make balance inquiries on your Share and Share Draft account. Each ATM card has an Personal Identification Number (PIN). We will not reveal your PIN to anyone. It will be your responsibility to safeguard your card and PIN and to tell us promptly if your card or PIN has been lost or stolen. We reserve the right to revoke and retain your ATM card:
A Democracy FCU VISA Check Card provides you with the ultimate in convenience by giving you 24-hour access to the available funds in your checking account to make POS card purchases wherever VISA is accepted or withdraw cash from ATMs on the networks that Democracy FCU participates in. Your Democracy FCU Check Card accesses the available funds in your checking account and allows you to make purchases wherever VISA is accepted. Your Check Card is a multiple purpose card. The available uses are:
The Credit Union shall be liable to a cardholder for losses or damages caused by the Credit Union's failure to complete a transfer from your account on time or in the correct amount according to our agreement with you, except in the following instances:
The following information applies to our audio response Phone Banking and our Internet Online Banking. You understand that the use of the Personal Identification Number (PIN) or Personal Access Code (PAC) to access Credit Union accounts acknowledges acceptance of the following terms and conditions:
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