Lisbon Community Federal Credit Union

You can use your credit union ATM Card to get cash from your Share and Share Draft account at thousands of PLUS ®, NYCE® , TX® , CU24®, or MEMBER ACCESS® locations throughout the United States.

Within seconds your can perform a balance inquiry to determine the balance in your accounts. Remember, the balance will not reflect checks that are outstanding and may not reflect deposits made to your account the day of your inquiry.

Safety Tips for Using Automated Teller Machines
To enable the efficient and safe use of your CU24® ATM card at Automated Teller Machines, we suggest that you take the following steps:

1) Have your CU24® card in your hand when you approach the teller machine to make your transaction quicker and safer. If you sense something or someone suspicious in the near vicinity, do not use the teller machine until you feel perfectly secure.

2) Give other customers plenty of space so that they may transact their business privately. Do not stand closely behind the person using the teller machine. Observe any “Wait Here” or other barriers that may be in place. Wait until the customer ahead of you has fully completed his or her transaction before approaching the teller machine.

3) Position yourself in front of the teller machine in such a way that no one else can see you punch your Personal Identification Number into the keyboard.

4) After receiving cash from the teller machine, immediately put it into your pocket or purse, remove your CU24® ATM card, and leave. Do not expose the money. Count it in a safe place.

5) When leaving the teller machine, do not allow strangers to approach closely. If you feel you are being followed, go immediately to the nearest business, store or place where there are other people.

6) Protect your CU24® ATM card as you do your cash, checks, or credit cards. Keep your CU24® card in a safe place and do not permit anyone else to use it. Keep your Personal Identification Number a secret – never give it to anyone. Do not write your Personal Identification Number on your CU24® card. Keep your CU24® card and any written record of your Personal Identification Number in different locations.

7) Do not give any information about your CU24® account over the phone. Tell any caller – even if he or she claims to be with Lisbon Community FCU that you will give such information only in person to Lisbon Community FCU. Immediately advise Lisbon Community FCU about any such call.

8) If your CU24® ATM card or Personal Identification Number is lost or stolen, immediately notify Lisbon Community Federal Credit Union.

We are the Lisbon Community Federal Credit Union at 325 Lisbon Street, P O BOX 878, Lisbon, Maine and our telephone number is (207) 353-4144 or toll free at (877) 353-4144.

You (if this is a joint account, singular pronouns shall include each of you) hereby agree to the rules and regulations affecting the issuance of the personal identification card (CU24®) provided by us for your convenience.

Personal Identification Number (P.I.N.)- will be your “remote banking signature”, and you are responsible for maintaining its confidentiality. The P.I.N. should be memorized and not written, in order to prevent unauthorized use and so you may report its loss or theft accurately.

Authorized Use- Only you are qualified to deposit or withdraw funds to or from your account(s) with the use of this card at merchant or bank locations or remote facilities, and positive identification may be requested by the merchant or bank prior to any transaction.

Consumer Liability for Unauthorized Transactions- Tell us AT ONCE if you believe your card or P.I.N. has been LOST or STOLEN or if you believe someone has used your card or PIN or accessed your account without your permission. Telephoning is the best way to keep possible losses down. If you tell us within two (2) business days, you can lose no more than FIFTY DOLLARS ($50.00) if someone uses your card without your permission.

If you do NOT tell us within two (2) business days after you learn of the loss or theft of your card or P.I.N., 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 FIVE HUNDRED DOLLARS ($500.00).

Also, if your statement shows transfer that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money you lost if we can prove that we could have stopped someone from taking the money if you had told us in time.

If a good reason such as a long trip or a hospital stay kept you from telling us, we will extend the time period.

Notification Procedure- If you believe that your card has been LOST or STOLEN, or that someone has transferred or may transfer money from your account without permission, call us at the number shown at the beginning of this Agreement, or write us at the address given at the beginning of this Agreement.

Business Days- Our business hours are Monday – Thursday 9:00 a.m. to 5:00 p.m., Friday 9:00 a.m. to 6:00 p.m., and Saturday 9:00 a.m. to Noon, excluding recognized state and federal holidays.

Types of Transactions Available and Limits on Such Transactions- You may use this card to withdraw from or make deposits to your share or share draft account (checking account), and perform such other financial transactions as we may from time to time permit during the business hours of any remote financial facility. You may also pay for purchases at places that have agreed to accept your card (called Point-of-Sale purchases).

Limitation on Frequency and Amount of Transactions – For the protection of our depositors, we have limited the amount of each withdrawal from an account to TWO HUNDRED DOLLARS ($200.00) per day at a remote banking facility. You may buy up to THREE HUNDRED DOLLARS ($300.00) worth of goods or services each day in our Point-of-Sale Transfer Service.

Delays in Posting Transactions – Due to the nature of the “ATM” system, there may be delays between the time of any activity on your account(s) and the time it is reflected in our records of your account(s).

Conditions Under Which We Will Disclose Information to a Third Party- You agree that we may, and you hereby authorize us to, disclose information to third parties about your account(s) or the transfers you make: (1) where it is necessary for completing transfers; (2) in order to verify the existence and condition of your accounts for a third party, such as a credit bureau or merchant; (3) in order to comply with government agency or court orders as permitted by law; or (4) if you give us your written permission.

Documentation of Transfer- You will receive a copy of the deposit / withdrawal slip at the time the transaction is originated. You will also receive on a monthly basis a statement of your account activity.

Error Resolution- Telephone or write us at the number and address shown at the beginning of this Agreement, AS SOON AS YOU CAN, if you think your statement or receipt is wrong, or if you need more information about a transaction listed on the statement or receipt. We must hear from you no later than sixty (60) days after we send you the FIRST statement on which the problem or error appeared. Provide the following information:

(1) Your name and account number.
(2) Describe the error or the transfer you are unsure about, and a clear explanation of why you believe it is an error, or why you need more information.
(3) The dollar amount of the suspected error.

If you tell us orally, we may require that you send 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. For international transactions, we may take up to ninety (90) days to investigate your complaint or question.

If we decide to do this, we will recredit your account within ten (10) business days for the amount you think is in error, so you will have the use of the money during the time it takes to complete our investigation. If we ask you to put your complaint or question in writing and do not receive it within ten (10) business days, we may not recredit 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.

Overdrafts- If any withdrawal(s) with your card creates a negative balance in your account, you shall repay to us the amount of such overdraft, including customary and usual overdraft charges in the same manner as any other overdraft on such an account.

Cancellation- Your card and PIN remain our property and immediate surrender of either may be required by us at any time. We may cancel the card, or PIN, and/or electronic fund transfer privileges at any time without notice or cause. Any cancellation or termination shall not affect any of your existing liability to us.

Liability- If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:

We expressly disclaim all warranties that the components, including, but are not limited to, cards and terminals, shall function properly or be available for use.

Agreement Modification- This Agreement may be amended by us without prior notice to you when such a change is immediately necessary to maintain or restore the security of the system or a member’s account; however, we will notify you in writing twenty-one (21) days prior to the effective date of any change in any term or condition of the Agreement or your account, if such change would result in greater cost liability for you or decreased access to your account.

Joint Accounts- All parties to joint share or share draft account(s) agree to be jointly and severally bound under this Agreement. All cards shall be returned to us prior to the addition or deletion of a name from any account subject to this Agreement. Consumer Reports (Credit Reports) may be obtained in connection with this application. If you request, you will be informed whether or not consumer reports were obtained, and if reports were obtained, you will be informed of the names and addresses of the consumer reporting agencies (credit bureaus) that furnished the reports. The PIN may provide access to accounts owned by the primary member. Joint owners may have access to the primary member’s accounts at the credit union, including accounts owned singly by the primary member or jointly by the primary member and other persons.

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