 Prepaid Card -
Terms and Conditions
General
These are your Prepaid Card Terms and Conditions.
"Agreement" means these Visa Prepaid Card Terms and Conditions. "We"
"us" and "our" refer to Associated Healthcare Credit
Union. "You" and "your" refer to the person who has
obtained a Card from us. "Card" means the primary Visa reloadable Prepaid Card
and any secondary reloadable Prepaid Cards obtained from us. Our "Business
Days" are Monday through Friday; Federal holidays are not included.
Agreement; Amendments
We agree to maintain the Card for you and to perform according to this
Agreement. By obtaining a Card from us, activating the card, and by using the
Card or by permitting anyone else to use the Card, you agree to the provisions
of this Agreement, which is subject to amendment, and further agree that this
Agreement is binding on your successors, representatives and assignees. We may
from time to time adopt new or amended provisions which will be effective after
notice has been mailed to you at the last address or email address shown for the
Card on our records or has been posted on our Website
www.ahcu.org or as
otherwise permitted by law. Provisions changed pursuant to regulatory
authorities shall be effective per such regulation without further notice.
Ownership and Use of the Card
The Card is and will remain our property. However, you will be solely and
completely responsible for the possession, use and control of the Card. You must
surrender the Card to us immediately upon request. The Card may not be used for
Internet lottery, betting, or gambling transactions or for any illegal
transactions.
Before using the Card
You must activate the Personalized Card by calling the number indicated on the
sticker on the front of your Card, or signing on to our secure website. Non
Personalized Cards are activated upon load, however it is recommended that you
register your card by signing on to our secure website. Remember to sign the
reverse of the Card. Write down your Card number and the Customer Service Number
on a separate piece of paper in case the Card is ever lost or stolen. At the
time of activation, for your protection and for regulatory purposes, we may
request, and you agree to provide, some additional identification verification
information such as your home phone number, date of birth, social security
number and zip code. We may use this data for a range of purposes, including but
not limited to facilitating refunds if your Card is lost or stolen, enhancing
usage at merchants that may require zip code authorization, and aiding in
collection efforts in the event of a Shortage, as defined herein. We will hold
your information in confidence in accordance with the section below entitled
"Data Protection and Privacy". If you do not wish to provide the data, or if the
data you provide us cannot be appropriately verified, we reserve the right to
cancel your Card and reimburse you for the Initial Load Amount.
Please read the following carefully and keep these Terms and Conditions for
your records as they set out the Agreement between you and us. You will be
deemed to have accepted the Card and the terms of this Agreement if you do any
of the following: (a) use the Card or (b) activate the Card.
Please sign the back of your Prepaid Card using your usual signature
immediately upon receipt.
You must be a resident of the U.S. to purchase the Card. The minimum value
that can be prepaid is $100.
Using Your Card
The VISA Prepaid Card is a reloadable stored-value card. It is neither a credit
card, nor a NCUA insured deposit account. This card is issued by Associated
Healthcare Credit Union; pursuant to a license from Visa
U.S.A, Inc. Your Card allows you to access your prepaid funds at ATMs, which
display the Visa brand. You may also use your Card at merchants who accept VISA
debit cards worldwide.
The maximum value credited to the Prepaid Card on issue is limited to
$1,500, and no more than $1,500 can be available for use on the Card
at any one time. Purchase transactions are limited to ten (10) per day.
Activate your Card by calling toll-free, 1-866-760-3156 or visit us
online at
www.ahcu.org. You
will be required, for validation purposes, to provide personal information.
During activation you will be given a PIN. You may also select your own PIN. You
will need your PIN to access cash from ATMs and to use at Interlink merchants.
Be sure to choose a PIN with a number that, while easy for you to remember, may
be difficult for someone else to guess. You may use your Card after activation.
The Card is non-transferable. The person who purchases the Card is the only
person authorized to use the Card. Please do not give your Card to anyone else
to use.
You may request one additional Card when you order your Card for any user
you authorize which will have to be separately activated and which can be used
in the same way as the Card at ATMs and merchants that accept VISA debit cards.
You are responsible for all authorized transactions made with this additional
Card. Only the primary cardholder can load funds to the account.
You may only use the Card when there is a balance available on the Card and
only up to the amount left on the Card and any transaction fee due. All use at
an ATM or for purchases will be deducted from your Card, including any
transaction fees. Any transaction made that exceeds the available balance will
be declined.
Some Interlink and VISA merchants may, subject to limits, allow you to use
your Card for cash-back on purchases and cash may be advanced at a Visa
affiliated financial institution.
When you use your Card at an automated gas station pump you will require a
minimum of $75 available credit on the Card to enable gas to be dispensed (It
may take up to 24 hours before any unused amount is available to spend due to
the way in which the transactions are processed). If your available balance is
less than this, please pay the attendant in the gas station.
If you use the Card to make a telephone call this can require of minimum
credit of $15.
If you use your Card to purchase meals or drinks many restaurants and bars
factor a tip into the price of up to 20% when pre-authorizing Card purchases but
you will only be debited with the actual amount you spend. Hotels and cruise
liners operate a similar policy, usually 15%.
Should you use your Card to pre-authorize a hotel reservation any amount
requested in a pre-authorization will not be available to you to spend using the
Card, although you will only be finally debited with the actual amount you
spend. If 3 days elapse without you authorizing an amount any pre-authorization
will be cancelled and this will be available to you.
Automobile rental businesses likewise add 15% to the rental to allow for any
additional expenses and mail order companies often add a similar amount for
potential shipping costs although the amount finally debited will be as the
final bill.
When making a purchase on the phone, by mail or online the account
information you provide must be the same account information as registered for
the Card and a difference may lead to a declined authorization.
If you use the Card to buy goods and you want to use some other method of
payment for part of the cost please advise the store in advance and use the Card
first before paying any balance by other means. We do not guarantee that the
establishment will fulfill this request.
Your Card will expire on the date embossed on the front of the Card, which
will be not less than 12 months after you purchased the Card.
If your account is a personalized account, is in good standing, and has greater
than a $0 balance, it will automatically reissue.
The Card is our property and we may revoke the Card at any time without cause
or notice. You must surrender a revoked Card and any Additional Card and you may
not use an expired or revoked Card. Upon revocation any amount remaining in your
Card account, after deducting all applicable fees, will be returned to you.
You will notify us promptly within a reasonable time if the Card is lost or
stolen. A replacement Card will be issued for the balance remaining on the Card
at the time it is reported lost or stolen (subject to unauthorized use of the
Card as set out below).
We may change the terms of this Agreement or any features of the Card, and we
will give you notice of any such change required by law.
Any entity honoring the Card is required to obtain approval or authorization
for any transaction. The balance available for authorizing transactions with the
Card is the lesser of your available balance or any dollar limitation disclosed
for the transaction being performed. You may use your Card only in the manner
and for the purposes authorized by this Agreement.
You do not have the right to stop payment on any purchase transaction
originated by use of the Card. We are not responsible for any injury to you or
to anyone else caused by any goods or services purchased or leased with your
Card. If you are entitled to a refund for any reason for goods or services
obtained with a Card, you agree to accept credits to your Card in place of cash.
We may suspend access to your Card if we notice excessive use of your Card or
other suspicious or potentially illegal activities. Access will be reinstated
once we have notified you, clarified the situation and rectified any problems.
PIN Protection
You agree to take all necessary steps to protect your PIN and never
disclose your PIN to anyone. For security purposes never write your PIN on the
Card and never carry a record of your PIN in your purse or wallet. If you permit
someone else to use your Card and you give that person your PIN, we will treat
this as if you have authorized this person to use your Card and you will be
responsible for any transactions initiated by such person with your Card.
We advise that any person to whom you may give an additional Card should be
advised to treat the PIN for that Card in the same manner.
For Your Safety When Using an ATM, Please Observe the Following
If the ATM you are using is inside a building, close the entry door completely
upon entering. Individuals who have a legitimate need to gain access to an ATM
should have an access device. Put withdrawn cash in a secure place before
stepping away from the ATM. Be aware of your surroundings. If you believe you
are being watched or followed, cancel your transaction, then go to a
well-populated area. If necessary, call the local police. Do not write your PIN
on or near the Card. Do not give your PIN to anyone else. In case of an
emergency, call 911.
Card Activity Information
You can review your Card balance and the last 5 transactions activity
records by calling toll-free 1-866-760-3156 or by visiting
www.ahcu.org where
full details of all transactions are available free of charge.
This information is available to you 24 hours a day, 7 days a week. Your
Associated Healthcare Credit Union VISA Prepaid Card account number and some of
the information requested when you ordered the Card are required for
authentication.
Card Reloading
You can add value of at least $100 on your Prepaid Card by
making a payment at your local Associated Healthcare Credit Union branch. Please
bear in mind the number of loads on a Non-personalized card is limited to four
including the initial load. Personalized cards have unlimited reload
capabilities.
You can also add value at
www.ahcu.org or by
calling toll free 1-866-760-3156 by initiating funds transfer from your
designated funding account. Funds may not be available for immediate use
after you have initiated the transfer.
ATM Usage
The frequency, amount, and timing of cash withdrawals made from ATMs; may be
limited by the ATM operator. ATM use is subject to a transaction
withdrawal limit of $500 or 5 withdrawals per 24-hour period. There may
be other limitations on the types, frequency, and timing of cash withdrawals
established by us from time to time, without notice, for security purposes.
A fee may be imposed by an ATM operator when you initiate a withdrawal or
balance inquiry and by any ATM network used to complete the transaction. This
surcharge may not be notified to you in advance and will be deducted from the
Card.
Prepaid Card Account Fees and Charges
|
FEE SCHEDULE |
| Non-Personalized Card |
$9.95 |
|
Pin Change Fee (IVR) |
$1.00 |
| Personalized Card |
$10.95 |
|
Overdraft Fee |
$25.00 |
| Secondary Card |
$4.95 |
|
Call Fee (IVR Fee) |
$1.00 |
Card Replacement Fee
(Lost/Stolen Fee) |
$15.00 |
|
Customer Serv Call Fee (IVR) |
$5.00 |
| Card Reissue Online |
$15.00 |
|
Balance Inq Fee (IVR Fee) |
$1.00 |
| ATM Balance Inquiry (at ATM) |
$1.00 |
|
Pin Inquiry Fee (IVR Fee) |
$1.00 |
| Over the Counter - Fee (Auth Fee) |
$1.00 |
|
|
|
| Express Delivery Fee |
$25.00 |
|
|
|
| Value Transfer Card Reload Fee |
$2.00 |
|
Foreign Exchange Processing Fee
(See Foreign Exchange) |
1% |
Foreign Exchange: If a card transaction is made in a currency other
than that loaded on the Card, the amount will be converted into the appropriate
currency at an exchange rate on the day the transaction is processed. The
exchange rate used to determine the transaction amount in US dollars is either a
rate selected from 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 processing date, plus 1%.
Our Liability
If we do not complete a transfer from the Card on time or in the correct amount
according to these terms and conditions we will be liable for your losses or
damages. However there are some exceptions. We will not be liable, for instance:
- If through no fault of ours, an ATM or merchant refuses to honor the Card.
- If through no fault of ours, you do not have enough money available on
your Card to make a withdrawal or purchase.
- If the terminal or system was not working properly and it was known about
when the transaction started.
- If circumstances beyond our control; (such as flood or fire) prevent the
transfer, despite reasonable precautions that we have taken.
- Other exceptions stated in these terms and conditions.
Errors or Questions
If you think there is an error involving a transaction made with your Card such
as a purchase you didn't make or an incorrect amount charged to your Card,
please call us at 1-866-760-3156, e-mail us at
www.ahcu.org or write
to us at: Cardholder Services P.O. Box 550578 Ft. Lauderdale, FL 33355. If you
tell us orally, we may require that you send your claim or question in writing
within 10 business days.
We must hear from you no later than 60 days after the transaction is posted
to your account. Tell us your name and Card number. Describe the error or the
transaction you are unsure about, and explain as clearly as you can why you
believe it is an error or why you need more information. Tell us the dollar
amount of the suspected error.
Generally, we will tell you the results of our investigation within 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) calendar days to
investigate your complaint or question. If we decide to do this, we will
re-credit your Card within 10 business days for the amount you think is in
error, so that you will have 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 10 business days, we may not re-credit
your Card.
If we decide that there was no error, we will send you a written explanation
within 3 business days after we finish our investigation and any credit made
under the preceding paragraph must be repaid by you. You may ask for copies of
documents that we used in our investigation.
Unauthorized Use of Your Card
Our zero liability policy may protect you from liability for certain
unauthorized transactions. Under our zero liability policy, unless you have been
grossly negligent or have been engaged in fraud, you will not be liable for any
unauthorized transactions made with your lost or stolen Card. If you are grossly
negligent or have engaged in fraudulent conduct, you could lose all the money in
your account. A transaction is unauthorized if it is not initiated by you, you
did not give permission to make the transaction and you do not benefit from the
transaction in any way. Any unauthorized transactions will be re-credited to
your Card in 5 business days.
Also, if your account history has transactions that you did not make, tell us
at once by calling, toll-free, 1-866-760-3156. If you do not
tell us within 60 days after the transaction was posted to your account, you may
not get back any money you lost if we can prove we could have stopped someone
from fraudulently using the Card if you had told us in time. If we believe that
a good reason kept you from telling us, we will extend the time periods.
Termination
We reserve the right to terminate this Agreement or any of the services that are
described herein by giving you written notice. You may, at any time, terminate
this Agreement by calling us, toll-free, at 1-866-760-3156.
Termination will not affect any of our rights or your obligations arising under
this Agreement prior to termination.
Amendment
We may amend these terms and conditions at any time by adding, deleting or
changing provisions in compliance with the applicable notification requirements
of federal law. However, if the change is made for security purposes, we can
implement it without prior notice.
Assignment
We may at any time and without notice to you assign the Card, this Agreement or
any of our rights or obligations under the Card or this Agreement to any person
or entity. The person or entity to which we make any such assignment shall be
entitled to all our rights and/or obligations under this Agreement, to the
extent assigned.
Privacy
Please refer to the attached link for our policies on information collection and
sharing.
www.ahcu.org/legal.htm
Unclaimed Funds
The balance on an expired card may become unclaimed funds and income to
Associated Healthcare Credit Union if, as shown by our records, you have not,
within the statutory period, caused any activity or received any payments with
regard to the Card, indicated any interest in the Card, corresponded with us
concerning the Card, or otherwise indicated an interest in the Card as evidenced
by a writing on file with us, or transacted any business with us.
Zero Liability
Visa’s Zero Liability policy means 100 percent protection for you. Visa’s
enhanced policy guarantees maximum protection against fraud. You now have
complete liability protection for all of your card transactions that take place
on the Visa system. Should someone steal your card number while you’re shopping,
online or off, you pay nothing for this fraudulent activity.
If you notice fraudulent activity on your card, promptly contact your
financial institution to report it. It is important to continually monitor your
monthly statement to identify any unauthorized transactions.
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