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Membership and Account Agreements |
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Agreement:
By signing the Membership and Account Agreement Signature Card, you
hereby make application for membership in HealthAmerica Credit Union and
agree to conform to its bylaws and amendments thereof, and to subscribe
for at least one share. You agree that the agreements set forth Definitions:
In this Agreement, the words "you" and "your" shall
refer to each person signing on the applicable signature card. The
plural shall also mean the singular, the masculine shall mean the
feminine and vice versa. Account
Ownership: Accounts in which only one person signs the
appropriate signature Agreement or account card will be solely owned by
the person signing or named therein. As to jointly owned accounts, you
hereby agree with each other and with us that all sums now paid in on
your shares, or heretofore or hereafter paid in on shares by any or all
of you to your credit as such joint owners with all accumulations
thereon, are and shall be owned by you jointly with rights of
survivorship. You agree with each other and with us that all of said
sums shall be subject to the withdrawal or receipt of any of you during
your lifetime, and payment to any of you during your lifetime shall be
valid. Each of you appoints the other your attorney with power to
deposit in any account funds of yours and for that purpose to endorse
any instrument payable to you. Any of you may pledge all or any part of
your shares or deposits as collateral for any loan or loans with us, and
such pledge shall survive after your death and shall be superior to the
rights of any other Account Owner. Your death shall not affect the
validity of any statutory or consensual liens credited by you prior to
your death. Payable
on Death (POD) Accounts: If you designate your account(s) as
a Payable on Death (POD) account, all sums now paid in on shares, or
heretofore or hereafter paid in on shares and all accumulations thereon,
are and shall be owned only by you during your lifetime. Upon the death
of the last account owner, these funds shall be owned by the named
beneficiaries of the account, in equal shares unless otherwise indicated
by you. Your death shall not affect the validity of any statutory or
consensual liens or pledges created by you prior to your death. You may
revoke this account agreement and remove from ownership in the account
any and all beneficiaries. The beneficiaries so removed from this
account shall have no interest, rights or privileges in and to the
account or assets thereof. To be binding on us, such revocation must be
in writing and in a form acceptable to us. Should any beneficiary
predecease you, all rights and privileges of the deceased beneficiary in
this account shall terminate and the deceased beneficiary's interest
shall be divided equally among the remaining beneficiaries. Actions
by Legal Representatives: We are authorized to recognize the
authority of any attorney-in-fact, guardian, custodian, trustee or agent
legally appointed by you or by a court of competent jurisdiction for the
transaction of business on your accounts. In so doing, we will have no
duty to inquire as to the use or purpose of any transaction, by any
legal appointee. We are not required to honor the appointment of an
attorney-in-fact. In order to honor the appointment of an
attorney-in-fact, we may require such person to indemnify us for any
loss, claims or damages arising from our reliance on the appointment of
the attorney-in-fact. Account
Fees: You agree to pay certain
account fees in accordance with the Fee Schedule provided to you. You
agree the Fee Schedule may be amended from time to time by the Credit
Union by giving any notice as may be required by law. The Fee Schedule
and amendments are hereby incorporated as part of this agreement. Dividends:
The dividend rate (and the corresponding annual percentage
yield) is set by the Credit Union and is subject to change each dividend
period. Dividends are calculated by the average daily balance method
which applies a periodic rate to the average daily balance in the
account for the period. The average daily balance is determined by
adding the full balance account for each day of the period and dividing
that figure by the number of days in the period. Dividends will begin to
accrue on the business day you deposit noncash items (e.g., checks) to
your account. Dividends are paid from current income and available
earnings after required transfers to reserves at the end of a dividend
period. Dividends will be compounded and credited quarterly on the last
day of the quarter. If you close your share account before dividends are
credited, you will not receive accrued dividends. Savings accounts earn
dividends only on balances over $100. return to top Minimum
Balance Requirements: The par value of a regular share in
this Credit Union is $5.00. You must maintain a minimum balance of
$25.00 in your primary share account. If during any day, your account
balance falls below the required minimum balance, your account will be
subject to a minimum balance fee of $10.00 for that month. To avoid a
service charge on your share draft account, you must keep a minimum
monthly balance of $100.00 or have the amount of your paycheck deposited
directly with the Credit Union. The
minimum balance for Certificate Accounts is $2,500.00. The minimum
balance for the money market accounts is $5,000.00. Transaction
Limitations: Except
for your checking account, you may not make more than six withdrawals or
transfers to another credit union account of yours or to a third party
by means of a pre-authorized or automatic transfer or telephonic order
or instruction during any statement period. No more than three of the
six transfers may be made by check, draft, debit card, if applicable, or
similar order to a third party. If you exceed the transfer limitations
set forth above in any statement period, your account may be closed by
us or be subject to any excess share withdrawal fee implemented by the
Credit Union or any excess transactions may not be honored. Direct
Deposits: We may offer direct deposit options allowing you
to pre-authorize deposits (i.e., payroll checks, Social Security or
retirement checks, or other government checks) or transfers from your
accounts with us. You must authorize any such deposits or transfers by a
separate authorization form. If you wish to cancel the direct deposit or
pre-authorized transfer option, you must notify the Credit Union in
writing at least 30 days prior to the next scheduled date for any direct
deposit, payroll deposit or pre-authorized transfer. Upon a filing of a
bankruptcy, if you fail to cancel any direct deposit authorization, you
instruct your employer and us to make and apply direct deposits in
accordance with your authorization on file with us. Endorsements:
We are authorized to supply any endorsement for you on any check or
other instrument tendered for your accounts. We are relieved of any
liability in connection with collection of such items which are handled
by us without negligence, and we shall not be liable for acts of our
agents, subagents or others, or for any casualty. You agree to indemnify
us from any loss due to an endorsement or other writing being placed on
a check or share draft in an incorrect manner or place according to the
Federal Reserve's Regulation CC or other applicable laws or rules before
it is accepted for deposit. Crediting
of Deposits: If you make a deposit before the closing on a
business day that we are open, we will consider that day to be the day
of your deposit. However, if you make a deposit after closing or on a
day we are not open, we will consider that the deposit was made on the
next business day we are open. If you make a transfer, deposit or
payment at an un-staffed depository, you agree that the correct amount
in the event of discrepancy between a written receipt or deposit slip
will be the amount that we find in the envelope used to make the
transaction. All non-cash items payment, and such items may be charged
back from any account in which you have an ownership interest or the
right to withdraw, at any time, until the proceeds thereof in money
(U.S. Dollars) have been actually been received by us. Account
Termination: When an account is overdrawn, we have the right
to close your account upon notice mailed to you. We also have the right
to terminate any Account and to terminate all of our liability hereunder
by mailing a check or draft for the balance of that Account less any
charges or fees to the address of any one of you. In the event of a
dispute over the ownership of the funds in the account, you authorize us
to interplead the funds into a court of competent jurisdiction for a
determination of ownership. You authorize us to deduct our costs and
expenses involved in filing the interpleader, including attorney's fees,
from the account funds and to file the remaining sum with the court. Changes
to the Agreement: The Credit Union may amend these terms,
conditions, rules and procedures from time to time. We will notify you
of such changes as required by law. The changes will be effective on the
date that the Credit Union specifies or as otherwise required by law. Share
Requirements: If you reduce your primary share balance below
the $25.00 minimum balance, you may be terminated from membership
according to our rules and bylaws. We reserve the right, at any time, to
require you to give, in writing, not more than 60 days notice of
intention to withdraw the whole or any part of the amounts so paid in by
you. You may not withdraw pledged shares without the written approve of
the Credit Union, except to the extent that such shares exceed what you
owe to us or are contingently liable. You may withdraw shares only by
using the methods which have been approved by us. Term
Share Account (Certificate of Deposit): Nothing contained in
this Agreement shall be construed so as to make the Certificate a demand
deposit, and we reserve the right to require at least ten days written
notice of an intention to withdraw any funds represented by this
Certificate. This notice time may be increased according to our Bylaws
or under applicable laws. You will receive a receipt for the funds
deposited into the Certificate Account you establish with us. Checking
Accounts: We are under no obligation to pay any check. We
are authorized to refuse to pay any check without any reason for such
refusal. We shall incur no liability for any action regarding the
payment or nonpayment of a check, regardless of whether or not you have
a share balance in this Account sufficient to pay any check which we
fail to pay. We reserve the right, at any time, to require you to give,
in writing, not more than 30 days notice of intention to withdraw the
whole or any part of the amounts so paid in by you. In the event we pay
a check drawn on this Account, we may charge this Account the amount of
such check, even if the check is presented more than six months after
its date. If a check is presented for payment and the amount of such
check exceeds the fully paid and collected share balance in this
Account, we may assess this Account a charge (to be established by the
Credit Union from time to time) for the presentment of such check,
regardless of whether or not the check is paid. You understand that your
original check will not be returned to you and the Credit Union shall
give you a copy of any paid check upon written request from you. Club
Account: You authorize us to disburse to you or any of you
each year the balance in your Vacation Club or Christmas Club accounts.
You will be subject to an early withdrawal fee if you withdraw before
the annual disbursement date established by the Credit Union. Money
Market Accounts: You
shall be permitted to establish a Money Market Account according to the
terms of this section an other applicable provisions contained in this
Agreement. You authorize us to honor your withdrawals and transfer
requests against the funds in your Money Market Account. For the purpose
of this account, month means calendar month. No more than three
withdrawals may be made per month. Stop
Payments: You may request that we stop the payment of a
check you have written. To do so, you must sign a written stop payment
order at the Credit Union. Unless renewed, a written stop payment order
will expire after 6 months. Your stop payment order must be received at
such time and in such manner as to afford us a reasonable opportunity to
act on it prior to any other action being taken on the check. You agree
that in order for us to have a reasonable opportunity to act, we must
receive you stop payment request at least 2 business days before the
check is received by us for posting to your account. The term
"business day" does not include any Saturday, Sunday or
federal legal holiday, even though our office may be open. We will
charge you a fee for each stop payment order you give. Funds
Availability: Our policy is to make funds available from
your deposits available to you on the first business day after the day
we receive your deposit. At that time, you can withdraw the funds in
cash, and we will use the funds to pay checks that you have written. For
determining the availability of your deposits, every day is a business
day, except Saturdays, Sundays, and federal holidays. If you make a
deposit before closing on a business day that we are open, we will
consider that day to be the day of your deposit. However, if you make a
deposit after closing or on a day we are not open, we will consider that
the deposit was made on the next business day we are open. In some
cases, we will not make all of the funds that you deposit by check
available to you on the first business day after the day of deposit.
Depending on the type of check that you deposit, funds may not be
available until the fifth business day after the day of your deposit.
However, the first $100.00 of your deposit will be available on the
first business day. If we are not going to make all of the funds from
your deposit available on the first business day, we will notify you at
the time you make your deposit. We will also tell you when the funds
will be available. If your deposit is not make directly to one of our
employees or if we decide to take this action after you have left the
premises, we will mail you the notice by the day after we receive your
deposit. If you will need the funds from a deposit right away, you
should ask us when the funds will be available. In addition, funds you
deposit by check may be delayed for an even longer period under the
following circumstances:
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.
They will generally be available no later than the ninth business day
after the day of your deposit. If you are a new member, the following
special rules will apply during the first 30 days your account is open.
The first $5,000.00 from a deposit of U.S. Treasury checks will be
available on the first business day after the day of your deposit. The
excess over $5,000.00 will be available on the ninth business day after
the day of your deposit. Funds from wire transfers into your account
will be available on the first business day after the day we receive the
transfer. Funds from deposits of cash and the first $5,000.00 of a day's
total deposits of cashier's, certified, teller's, travelers, and state
and local government checks will be available on the first business day
after the day of your deposit if the deposit meets certain conditions.
For example, the checks must be payable to you, and you may have to use
a special deposit slip. The excess over $5,000.00 will be available on
the ninth business day after the day of your deposit. If you do not make
the deposit in person to one of our employees, the first $5,000.00 will
not be available until the second business day after the day of your
deposit. Funds from all other check deposits will be available on the
ninth business day after the day of your deposit. Electronic
Fund Transfers: The following terms and conditions will
govern all electronic fund transfers initiated by you or anyone else you
have given access to your accounts, whether by telephone, automated
teller machine, ACH network or any other electronic means. You agree to
be responsible for all unauthorized Electronic Funds Transfers made from
your accounts subject to limitations contained in applicable Federal
law. Those limitations on your liability for unauthorized transfers are
summarized in the Electronic Fund Transfers Disclosure Statement. You
agree that any ATM Cards issued to you remain our property and may not
be transferred or assigned to anyone. Upon our request, you agree to
return your ATM Card to us. We may terminate access to electronic fund
transfers or cancel your access devices at any time. Upon such
termination, we shall give you notice of termination. The devices may
not be used after we cancel them or after they have expired. If we do
cancel, you agree to send back your Card to HealthAmerica Credit Union,
9790 Touchton Road, Jacksonville, Florida 32246, and give written notice
to us. Access to electronic fund transfers may be terminated by you by
giving a written notice to us and returning the Card to us. Termination
of the access shall not affect the liability you incurred prior to
termination. You must keep your share account and checking account open
in order for your access to electronic fund transfers to remain valid.
You agree to pay the current charges shown on the Fee Schedule and any
future charges that may be approved by Credit Union for the use of
electronic fund transfers. You authorize us to take any such fees from
any account in which you have an ownership interest or the right to
withdraw. We believe that the various means of access to electronic fund
transfers will prove to be reliable. However, certain means may not
operate properly at all times. We, therefore, may not promise that our
systems will always be available for your use. You promise not to
attempt to make a transfer when a system tells you or other
circumstances give you a reason to believe that the system is closed or
is not operating properly due to a technical malfunction or is otherwise
unable to make the transfer you desire. You agree that if we notice that
your accounts are being used more frequently than usual, or are having
larger amounts withdrawn than are usually withdrawn, we may try to
contact you to verify that the access to the electronic fund transfers
has not fallen into the hands of an unauthorized user. If we do not
reach you, we may, in order to attempt avoidance against possible
losses, choose to invalidate your access device the next time it is
used. If we do, in fact, invalidate the access device, it may be
revalidated. Contact us for the particulars involved in revalidating the
device. However, you understand that we have no obligation to keep up
with the how the account is usually used or to notify you if we notice
unusual activity. To initiate transactions via an ATM Card or telephone
response system, you must have a personal identification number (PIN).
You agree not to tell the PIN to anyone, not to write the PIN on your
Card or do anything else that would cause the Card or PIN to fall into
the wrong hands. You agree also to tell us at once if you believe the
Card or PIN has been stolen or lost. The fastest way to notify us is by
calling (904) 296-1292. You agree that we are not responsible for
providing security guards or other security measures at various ATM
terminals. If you make a transfer, deposit or payment at a terminal, you
agree that the correct amount in the event of a discrepancy between a
written receipt or deposit slip will be the amount that we find in the
envelope used to make the transaction. You agree that each transaction
completed during normal credit union business hours will be posted
immediately to your account; transactions received after normal credit
union business hours will be posted the next regular credit union
business day. You further agree that credit to accounts for noncash
items will be conditional until we can collect the item. If we cannot
collect the amount of a noncash item, that amount, plus a fee will be
deducted from your account. You agree that the electronic fund transfer
system shall be used only for the type of transfers and to have access
only to the accounts that we in advance have approved. If through some
error the Card permits you to withdraw funds from an account that you
should not be allowed to use, we may charge the amount involved to an
account that you can use. Except as changed by this Agreement,
electronic fund transfers made by use of the Card and PIN are subject to
the rules and agreements contained in your account agreement, signature
card and other account rules and regulations for your accounts and this
Agreement is made part of those rules and regulations. If we are forced
to institute suite against you as a result of a breach by you in this
Agreement or as a result of an overdraft, you agree to pay reasonable
attorneys' fees plus other costs. In addition to the terms and
conditions listed above, you agree that the accompanying Electronic Fund
Transfers Disclosure Statement shall cover electronic fund transfers
made by you. This Agreement and all transactions under this Agreement
will be governed by Florida law and applicable Federal law. |
| Electronic Fund Transfers Disclosure Statement |
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Your
Access Device and Electronic Fund Transfers: You may begin
to use your ATM card or Maggie telephone response system once you have a
valid personal identification number (PIN). Account
Access: The following types of transactions may be made with
your accounts:
Your
ATM card may be used at any ATM location providing access to the Star or
Presto ATM networks. Additional networks may be added at some later
date. You will be notified of any additions by us. When used with your
PIN, the ATM card will allow you to initiate any of the following
transactions, provided the accounts have been authorized for use. You
may make:
Your
PIN may be used with the Maggie telephone response system to allow you
to initiate any of the following transactions, provided the accounts
have been authorized for use. You may request:
Limitation
on Frequency of Transfers: For security reasons, there are
limits on the number of transfers you can make using our system. Limitation
on Dollar Amounts of Transfers:
For security reasons, there are limits on the dollar amount of
transfers you can make using our system. Business
Days: Our business days are Monday through Friday. Holidays
are not included. Of course, the systems are open at times other than
the business days of our credit union. Summary
of Your Liability for Unauthorized Transfers: Tell us AT
ONCE if you believe your card or PIN has been lost or stolen.
Telephoning is the best way of keeping your possible losses down. You
could lose all the money in your accounts (plus your maximum overdraft
line of credit and open-end credit). If you tell us within two business
days, you can lose no more than $50.00 if someone used your card or PIN
without your permission. If you believe your card or PIN has been lost
or stolen, and you tell us within two business days after you learn of
the loss or theft, you can lose no more than $50.00 if someone used your
card or PIN without your permission. If you do NOT tell us within two
business days after you learn of the loss or theft of your card or PIN,
and we can prove we could have stopped someone from using your card or
PIN 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, tell us at once. If you do not tell us within 60 days after the
statement was mailed to you, you may not get back any money you lost
after the 60 days 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 periods. If you believe your card or PIN has been lost
or stolen or that someone has transferred or may transfer money from
your account without your permission, call (904) 296-1292 or write to us
at HealthAmerica Credit Union, 9790 Touchton Road, Jacksonville, Florida
32246. Service
Charges: A list of all fees and charges which are applicable
to your electronic fund transfers is disclosed on the accompanying Fee
Schedule. In addition, each account affected by the transaction use will
be subject to the regular service charge imposed for that specified
account as set forth in the Fee Schedule. Summary
of Your Right to Receive Documentation of Transfers:
You can get a receipt at the time you make any transfer to or from
your account using one of the ATM terminals. If you have arranged to
have direct deposits made to your account at least once every sixty days
from the same person or company, you can call (904) 296-1292 to find out
whether or not the deposit has been made. You will get a monthly account
statement (unless there are no transfers in a particular month). In any
case you will get a statement at least quarterly. Summary
of Your Right to Stop Payments: If you have told us in
advance to make regular payments out of your account, you can stop any
of these payments. Here is how: Call us at (904) 296-1292 or write to us
at HealthAmerica Credit Union, 9790 Touchton Road, Jacksonville, Florida
32246 in time for us to receive your request three days or more before
the payment is scheduled to be made. If you call, we may also require
that you put your request in writing and get it to us within 14 days
after you call. We will charge you a fee for each stop payment order you
give. If these regular payments may vary in amount, the person you are
going to pay will tell you ten 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). If you order us to stop one of these payments
three business days or more before the transfer is scheduled, and we do
not do so, we will be liable for your losses or damages. Summary
of Credit Union's Liability for Failure to Make Transfers:
If we do not complete a transfer to or from your account on time or in
correct amount according to our agreement with you, we will be liable
for your losses for damages as required by Federal Law. However, there
are some exceptions. We will not be liable for, for instance:
Circumstances
Under Which We Will Disclose Account Information to Third Parties:
We will disclose information to third parties about your account or
transfers you made:
Summary
of our Error Resolution Procedure in Case of Errors or Questions About
Your Electronic Transfers:
In Case Of Errors Or Questions
About Your Electronic Transfers, telephone us at (904) 296-1292 or write
us at HealthAmerica Credit Union, 9790 Touchton Road, Jacksonville,
Florida 32246 as soon as you can, if you think your statement or receipt
is wrong or if you need more information about a transfer listed on the
statement or receipt. We must here from you no later than 60 days after
we sent you the first statement on which the problem or error appeared.
Your inquiry must include:
If
you tell us orally, we may require that you send us your complaint or
question in writing within ten business days. We will tell you the
results of our investigation within ten business days after we hear from
you and will correct any error promptly. If we need more time, however,
we may take up to 45 days to investigate your complaint or question. If
we decide to do this, we will re-credit your account within ten 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 ten days, we may not re-credit your account. If we
decide there is no error, we will send you a written explanation within
three business days after we finish our investigation. You may ask for
copies of the documents that we used in our investigation. |
| Safety Precautions for the Use of Automated Teller Machines (ATMs) |
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Remember - there is safety in numbers. Whenever possible, have another person accompany you when transacting business on an ATM. Observe
the surroundings: Before approaching any automated teller
machine (ATM) be alert for any suspicious persons or circumstances.
Should you observe suspicious persons or circumstances or otherwise feel
uneasy or uncomfortable with your surroundings leave the area
immediately Ð do not use the ATM. Come back at a later or more
appropriate time or use an ATM at another location. Report any
suspicious persons to law enforcement authorities. Be
ready to transact business: Before approaching any ATM have your
access card and any other paperwork necessary for your particular
transaction ready and in your hand. Having to retrieve these items from
a purse or wallet is time consuming and allows a potential thief easier
access to your valuables. By being ready to transact business before
approaching the ATM, your transaction becomes quicker and safer. Be
courteous to other user: When approaching an ATM which is then
in current use do not stand directly behind the person actually using
the machine. An adequate distance will allow the person currently using
the machine to conduct their transaction securely, privately, and
confidentially. Remain observant while using the ATM: While transacting business at the ATM continue to observe your surroundings. Be careful not to disclose or otherwise reveal your Personal Identification Number (PIN) to others while using the ATM. Never begin a transaction when strangers have a clear view of the ATM keyboard. Use your body to shield the ATM keyboard as you access the machine. This will allow you to access the machine without disclosing or revealing your PIN. You should check your surroundings every few seconds while actually using the ATM. Should you observe any suspicious persons or circumstances terminate your transaction immediately, leave the area and contact law enforcement authorities. return to top Leave
Quickly: Upon completing your transaction, retrieving your card
and receiving your receipt immediately leave the ATM area. Do not count
or otherwise expose any money received from the ATM. Continue to observe
your surroundings for any suspicious persons or circumstances such as
anyone following or approaching you. Always maintain a safe distance
between you and any stranger. If you believe that you are being followed
you should go to the nearest place where there are people and contact
law enforcement authorities. The above disclosure is a required disclosure given pursuant to Florida Statutes section 655.963. It is not intended to create any rights or duties between the parties. The guidelines herein are not all inclusive. Users of ATMs should utilize such other precautions as may be appropriate under any particular set of circumstances. The Credit Union expressly disclaims any and all liability as relates to the use of Automated Teller Machines owned or controlled by the Credit Union except as provided by statute. |
| Privacy Disclosure |
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HealthAmerica
Credit Union is owned by its members and run by a board of directors
that you elect. You can be
confident that your financial privacy is a top priority of this credit
union. We are required by law to
give you this privacy notice to explain how we collect, use and
safeguard your personal financial information.
If you have any questions, please contact one of our member
services representatives. HealthAmerica
Credit Union collects nonpublic personal information about you from the
following sources: -
Information we receive from you on applications or other forms; -
Information about your transactions with us or others; and -
Information we receive from a consumer reporting agency. We
do not disclose any nonpublic personal information about you to anyone,
except as permitted by law. |