Use of your Card and Personal Identification Number (PIN) are governed by the Electronic Funds Transfer Act (EFT). The following terms and conditions also apply.

You may use your ATM/Check Card and PIN to:

Obtain balance information on your checking
   and savings accounts at an Automated Teller
   Machine (ATM).
Withdraw cash from your checking or savings
   account at an ATM.
Make deposits to your non-Business checking
   or savings account at an ATM.
Transfer funds between your checking and
   savings account at an ATM.
Obtain cash advances if you have a Kwik Cash
   line of credit available when your checking or
   savings account is over drawn. Cash advances
   will be deposited in increments of $100 into the
   checking or savings account that is affected.
Pay for purchases from your suffix 10 checking
   account at merchants that have agreed to accept
   the Card and PIN.

Some of these services may not be available at all terminals. You may use your Check Card without your PIN to:

Pay for purchases from your checking account at
   places that display the VISA logo or have agreed
   to accept the Check Card.

Obtain a cash advance from your checking account
   at a financial institution that displays the VISA logo.

Any purchase or cash advances may be subject to authorization by us or by a VISA authorization center.

Each time your Card is properly used, you authorize RCU to debit or credit (whichever is appropriate) your account for the total amount shown on any sales draft, receipt or credit voucher originated by use of the Card, whether or not it is signed by you. RCU is permitted to handle such sales drafts, orders, and vouchers in the same way it handles authorized checks drawn on your account.

Limitations of Frequency of Transfers
You may make a maximum of five withdrawals per day at an ATM or Point of Sale (POS) terminal. Using your Check Card, you may make a maximum of 20 VISA merchant purchases per day and a maximum of five VISA cash advances or VISA ATM withdrawals per day. Individual terminals or terminal operators may have other limits on the frequency of cash withdrawals or deposits.

Limitations on Dollar Amounts of Transfers
You may withdraw a maximum of $500 per day at an ATM or POS terminal. Using your Check Card, you make VISA merchant purchases up to $2,500 per day. Also, using your Check Card, you may make up to $500 in VISA cash advances or VISA ATM withdrawals per day. All withdrawals are limited to the available balance in your account plus any available line of credit. Individual terminals or terminal owners may have other limits on the amounts of cash withdrawals or deposits.

Your Ability to Withdraw Funds
RCU policy is to make available immediately up to $100 per day, of your funds deposited through a terminal. The remaining funds will become available in compliance with regulatory requirements.

For determining the availability of your deposits made through a terminal, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit through a terminal before 2:30 PM on a business day that we are open, we will consider that day to be the day of your deposit. If you make a deposit through a terminal after 2:30 PM or on a day we are not open, we will consider that the deposit was made on the next business day we are open.

Longer Delays May Apply
Funds you deposit by check may be delayed for a longer period under the following circumstances:

We believe a check you deposit will not be paid.
You redeposit a check that has been returned unpaid.
You have overdrawn on your account repeatedly in
   the last six 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 of these reasons, and we will tell you when the funds will be available. The funds will generally be available no later than eleven Business days after the day of your deposit.

All checks which RCU has authorized through a terminal for deposit or payment are credited subject to collection and the credit will be reversed if the check is not paid. All cash deposits and payments are received subject to verification by RCU. If the reversal to a deposit account overdraws the account, RCU may charge all or part of the deficiency to any other account at RCU of any Member authorized to use the Card and the Member shall pay to RCU any deficiency which cannot be paid out of such accounts.

Fees and Charges
Withdrawals at RCU ATM’s are free. Withdrawals (from savings and/or checking) at non-RCU Pulse ATM or POS terminals (whenever a PIN is entered):

With a savings, Minimum Balance Checking,
   Checking Plus, or Checking Plus Interest account,
   you are  allowed six free withdrawals each month.
   A transaction fee of $.50 will be charged for each
   additional withdrawal.
With a Free Checking account, a transaction fee
   of $.50 will be charged for each withdrawal.

You will be charged a $.25 transaction fee for each balance inquiry transactions at an ATM.

A transaction fee of $1.50 will be charged for the use of the Card at ATM or POS terminals which are not PULSE/TYME terminals. Examples of non-PULSE/TYME ATM’s include, but are not limited to: Instant Cash, Fastbank, Honor, Shazam, Star, Magic Line, Money Network, Cirrus, Plus (Plus is accessible only with a Check Card), etc. Some terminals owners may impose additional transaction fees, which will be indicated at that terminal.

If you have a Free Checking account you will be charged a ATM access charge of $1 each month.

If you choose not to use your ATM or Check Card in a one year period, a $10 inactive fee will be charged.

If you request a reprinted Card or PIN, you will be charged a $5 fee. This fee does not apply to renewal Cards.

A fee of $30 will be assessed each time you overdraw your account through the use of your Card.

Attempts to use a closed Card, or Card reported lost or stolen, may incur a $65 fee which will be charged to your account.

We will charge fees for copies of drafts and machine receipts, together with hourly charges for searching our records. These fees will be charged according to our then current fee schedule but will not be charged if the request is a billing error under the Fair Credit Billing Act.

Each account accessible with a Card will remain subject to the fees and charges provided for in the separate agreement or regulations covering that account.

Foreign Transactions
If your Card is used to initiate a transaction in foreign currency, the transaction amount will be converted to US dollars using the exchange rate selected by VISA from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate VISA itself receives or the government-mandated rate in effect for the applicable central processing date increased by one percent.  The date of the conversion may differ from the transaction date and the posting date identified in the monthly statement for your account.

Limitations on Use of Card
You must maintain a checking account at RCU to be eligible for a Check Card.

You may not:

request any transaction at a terminal if you know
   or are informed by or at the terminal, or by a clerk,
   that the terminal is malfunctioning or not operating.
attempt any transaction at an ATM or POS terminal
   with out the use of your Card and correct PIN which
   will be furnished by RCU.
attempt to initiate any transaction in connection with
   an account which has been closed by you or RCU, or
   which is subject to legal process.
request a withdrawal or transfer of funds from an
   account:

if the withdrawal or transfer would overdraw the account or, if the account is maintained in connection with a Kwik Cash Loan, would exceed the credit limit of that loan;
in an amount in excess of any dollar limitations imposed by the terminal owner;
which exceeds limits as established and disclosed by RCU.

deposit funds to an account at an ATM:

by means of anything other than transfer
   from another account, US currency or a
  completed negotiable instrument payable
  in US dollars, dated within six months prior
  to the date attempted deposit, drawn by or
  properly endorsed by you and does not
  violate any restrictions on the instrument;
in a combined deposit amount greater than
  $5,000 or in an amount in excess of any
  dollar limitation imposed by the terminal
  owner, whichever is less;
payable to a business.

obtain authorization to have a check or draft
   issued which is:

drawn by or payable to the order of someone
   other than the Member presenting the Card;
not endorsed by the Member presenting the
   Check Card (unless payable to a merchant);
not payable in US dollars;
dated more than six months prior to the
   date of the transaction;
in violation of any stated restrictions on the
  check or draft (for example, not valid after
  30 days);
for an amount which exceeds the limits
   established and disclosed by RCU.

Use your card for illegal transactions. RCU will
   terminate or withdraw any product or service if we
  become aware that you used it in an illegal manner
  or for an illegal trans action. You agree to hold
  harmless and indemnify RCU and reimburse RCU
  for losses incurred as a result of using the card for
  any illegal transactions.

Cash refunds will not be made to you on purchases made with your Check Card. If a merchant who honors your Check Card gives you credit for merchandise returns or adjustments, the merchant will do so by applying a credit to your account and giving you a credit slip. Any claim or defense with respect to property or services purchased with your Check Card must be handled by you directly with the merchant or other Business establishment which accepts the Check Card and any such claim or defense which you assert will not relieve you of your obligation to pay the total amount of the sales draft plus any appropriate charges we may be authorized to make.

If your account becomes overdrawn, RCU may restrict your use of the Card. If this action becomes permanent, you will be notified within 30 days.

Neither RCU nor terminal owner is liable to you if the transaction is not completed and you have violated any of these Rules.

Limitations on RCU’s Responsibilities
The terminals, the PULSE/TYME System and any other System containing terminals at which the Card may be used are available for your convenience and, except to the extent provided in Section 910 of the Electronic Funds Transfer Act, RCU is not liable for the unavailability for failure to operate of all or any part of any System. Except for its own negligence, RCU is not liable for any personal injury or tangible property damage suffered or incurred by you through use or attempted use of the Card at any terminal.

RCU is not responsible for the refusal of any merchant or terminal to honor the card.

The Card and PIN are provided solely for your use and convenience. If you furnish your card or PIN to another person you shall be deemed to have authorized all transactions which may be accomplished using the card or PIN until you have given actual notice to RCU that further transactions are unauthorized. You shall be obligated to pay RCU the amount of any money, property, or services obtained by the authorized use of the card or PIN to the extent that RCU is unable to charge such amounts to the account; and you hereby authorize RCU to charge the amount of any such obligation to any other of your accounts at RCU. You understand that RCU does not encourage the use of your Card and/or PIN by people who are not joint on your account. If you allow another person to use your Card and/or PIN but do not tell us, RCU will treat all transactions made by that person as if the transactions were made by an Authorized user. It is your responsibility to control or terminate the use of your Card and/or PIN by such persons, and you will remain liable for any and all use by such persons. The Card remains the property of RCU and shall be surrendered upon request. RCU may terminate your privilege of using of the Card and may withhold approval of any transaction at any time.

Termination of privileges shall not affect your rights and obligations for transactions made with the Card before your privileges were terminated.

You shall at all times:

Safely keep the Card and PIN and not permit
   anyone else to use them.
Do not record the PIN on or near the Card or
   otherwise make it available to anyone else.
Use the Card, PIN, and terminals only as instructed
   and only for purposes authorized by RCU.

Immediately report to RCU any loss, theft, disappearance or known or suspected unauthorized use of the Card or any disclosure of the PIN. Immediate notification will limit your liability for unauthorized use as provided for in RCU’s Electronic Funds Transfer Act disclosure. Telephoning us is the best way of doing this. Call us at (715) 833-8111 or 1-800-341-9911 (toll free nationwide). If you cannot notify us by phone, you many notify RCU in person or by writing us at:

ATM/Check Card Department
Royal Credit Union
200 Riverfront Terrace, Suite 316
PO Box 970
Eau Claire, WI 54702-0970

Liability for Unauthorized Use
If you keep your PIN on, with or near your card, or in a location accessible to others, you will be liable for any unauthorized use of the card and/or PIN up to the maximum amount allowed by law. Your retention of, signature on, or use of the Card constitutes your agreement to comply with these Rules as amended from time to time. This agreement and your use of the Card will be governed by the laws of the State of Wisconsin.

Services

Checking Accounts
and Services

Credit Counseling

Direct Deposit &
Direct Payment

eClub

Foreign Currency

International Funds Transfer

Prepaid Visa Cards

Safe Deposit Boxes

Vehicles for Sale

VITA Tax Service

Volunteer Program