to HFS Federal Credit Union

Transcription

Locations
Hilo
Kona Coast Shopping Center
632 Kinoole St
Hilo, Hawaii 96720
Mon. – Fri. 8:30am-5:00pm
Drive-thru window:
Sat. 8:30am-1:30pm
74-5586 Palani Rd, Suite 5
Kailua-Kona, Hawaii 96740
Sat. 9:00am-1:30pm
Honoka‘a
45-3600 Mamane St
Honoka‘a, Hawaii 96727
Kea’au
16-589 Old Volcano Rd
Kea’au, Hawaii 96749
Sat. 8:30am-1:30pm
Drive-thru window:
Sat. 8:30am-1:30pm
Kealakekua
Prince Kuhio Plaza
111 E. Puainako St
Hilo, Hawaii 96720
Sat. 9:00am-1:30pm
Waimea Center
65-1158 Mamalahoa Hwy, Suite 21
Kamuela, Hawaii 96743
Sat. 9:00am-1:30pm
to
Contact Information
Federal Cred
S
F
H
it
Union
Call (808) 930-1400
Toll Free (800) 216-2666
Visit www.hfsfcu.org
Central Kona Center,
Building 5
81-958 Halekii St
Kealakekua, Hawaii 96750
Federally insured
by NCUA
Welcome Kit
Where Caring Counts.
Welcome to HFS Federal Credit Union
Where Caring Counts.
Table of Contents
Important Dates
Important Dates ................................................................................................................................................ 2
¸
All Members
HFS FCU Products & Services ............................................................................................................. 3
¸
¸
Questions & Answers
General Merger Questions ......................................................................................................................... 9
Savings & Checking Questions ............................................................................................................. 12
Loan Questions .................................................................................................................................................. 14
How to Enroll
Online Banking, Mobile Banking & e-Statements ...................................................... 16
Deposit Products Comparison ........................................................................................................ 18
Schedule of Fees Comparison ......................................................................................................... 19
Disclosures
Business Fee Schedule ............................................................................................................................... 21
01
¸
Business Membership and Account Agreement ................................................................. 23
Date
Page #
Official HFS FCU and NHC FCU Merger
10/1/2015
-
New loan requests submitted to HFS FCU
10/1/2015
14
Last day to use NHC FCU Virtual Branch and
Audio Response
4/28/2016
9 & 13
NHC FCU member data will be merging to HFS FCU
from 4/30/2016 – 5/1/2016. Please conduct all financial
transactions utilizing your NHC FCU account, including
in-branch and debit card transactions, before 5:00pm
HST on April 29, 2016. Note: Your NHC FCU credit card
and checks will continue to work with no interruptions
during the conversion.
4/29/2016
5:00pm HST
9
Merger completed. Members may conduct business at
all seven HFS FCU branch locations.
5/2/2016
9 & 10
Enroll in HFS Online Banking and e-statements at
www.hfsfcu.org. Also, download our mobile app!
5/2/2016
16 & 17
Begin utilizing the HFS FCU Call Center for account
inquiries by calling (808) 930-1400.
5/2/2016
9 & 11
Date
Page #
4/ 15/2016
12
NHC FCU debit cards become inactive.
5/2/2016
12:00am
HST
12
Activate new HFS FCU Debit MasterCard.®
5/2/2016
12:00am
HST
12
Date
Page #
5/2/2016
12
Date
Page #
Last day to submit credit card payments through
Virtual Branch.
4/28/2016
15
Last day to earn ScoreCard® Rewards points.
6/30/2016
15
Last day to redeem ScoreCard Rewards points.
8/29/2016
15
Credit card conversion to HFS Rewards Visa® Credit Card
(Important information will be sent at least 60 days
prior to this date.)
11/11/2016
15
Members with Debit Cards
All NHC FCU debit cardholders will receive a new HFS
FCU debit card.
Check 21 Disclosure .................................................................................................................................... 30
Consumer Fee Schedule ......................................................................................................................... 31
Electronic Fund Transfers Agreement and Disclosure ..................................................... 33
Funds Availability Policy Disclosure ............................................................................................... 40
Membership and Account Agreement ........................................................................................ 42
Overdraft Protection Participation Form ................................................................................... 49
¸
Privacy Notice Disclosure ........................................................................................................................ 5 1
Members with Checks
Order new HFS Volcano checks. Free if ordered through
our Call Center or any HFS FCU office before May 2017.
Truth-in-Savings Disclosure ................................................................................................................... 53
Note: You will be able to continue utilizing your existing
NHC FCU checks until they have been depleted.
¸
Members with Credit Cards
®
02
HFS FCU Products & Services: Savings & Checking
At HFS Federal Credit Union, we offer a wide variety of savings and checking accounts to fit your needs.
Whether you’re looking to put aside some money for a rainy day or shopping for a full-service checking
account, we are sure to have the right account for you.
• R
egular Share Accounts (Savings)
Choose from a variety of savings accounts, special share accounts and more. Let HFS FCU help you and
your family reach your savings goals.
• Minimum balance of $50.00
• Earn dividends when you maintain an average daily balance of $100.00 or more
• Children earn dividends on their entire regular share account balance until age 18
• S
pecial Share Accounts (Savings)
Do you wish to have a separate account to save for a special occasion or future need, such as an upcoming
vacation, holiday, birthday or that flat-screen TV you have always wanted? If so, then the HFS FCU special
share account is made just for you.
• No minimum balance
• Share Certificates
With a minimum deposit of $2,500.00, earn competitive dividends on any of our share certificates,
available in terms of 6, 12, 18, 24, 36, 48 or 60 months.
• Fixed Annual Percentage Yield (APY)
• Minimum deposit of $2,500.00
• Dividends deposited monthly into your designated savings or checking account
• Individual Retirement Accounts (IRAs)
Plan and build a comfortable future with a Roth IRA, Traditional IRA or Coverdell Education Savings
Account. Let HFS FCU help you find which one is right for you.
• Related Products & Services
Learn about the many other services that HFS FCU offers our members, like coin counting machines,
direct deposit, money orders, notary public, safe deposit boxes, wire transfers and so much more.
For a complete description of our products and services, visit www.hfsfcu.org or call us at (808) 930-1400.
• No monthly or annual maintenance fees
• Make deposits automatically from your other savings accounts
• Earn dividends at competitive interest rates
03
• S
hare Draft Accounts (Checking)
With a checking account from HFS FCU, you will enjoy features such as no minimum balance, free custom
checks with direct deposit, 24/7 online account access and more.
• No minimum balance
• No monthly service fee
• Unlimited check writing
• Free custom checks with direct deposit to your HFS FCU account
• Surcharge-free ATM access at any Bank of Hawaii ATM
• Monthly statements
• 24/7 account access through HFS FCU Online Banking and Mobile Banking
• Debit MasterCard
Use your HFS FCU Debit MasterCard at an ATM or to pay for purchases anywhere MasterCard
is accepted. Best of all, your HFS FCU debit card can be used surcharge-free at any Bank of
Hawaii ATM.
• M
ake a purchase with your HFS FCU Debit Mastercard, and the funds are automatically deducted
from your checking account.
• Worldwide acceptance wherever MasterCard is accepted
• Cash withdrawals at participating merchants
• O
verdraft Protection Automatic Transfers can be set up directly from your other share savings
accounts or a personal line of credit to cover accidental overdrafts.
• M
oney Manager Accounts
A minimum balance of $2,500.00 earns you higher dividends than other share accounts, with no
additional fees.
• Pays competitive monthly dividends on the entire account balance
• Earn higher dividends than other share and checking accounts, with no additional fees
• $2,500.00 minimum balance
• Minimum withdrawal of $250.00
04
HFS FCU Products & Services: Loan Products
HFS FCU Products & Services: eServices
HFS Federal Credit Union offers our members a wide variety of loan products for all of your borrowing needs.
With local servicing and competitive interest rates on all loan products, we'll help you find the loan that is
right for you.
Whether you’re on the go or simply too busy to make it to the branch, HFS Federal Credit Union’s electronic
services can simplify your banking needs. As a member, you have access to great services like Online Banking,
Mobile Banking, Bill Payer and more.
• Real Estate Loans
Whether you're purchasing your first home or looking to finance a second home, we have low-rate real
estate mortgages designed to meet your needs. In addition, HFS FCU offers construction, vacant land
and investor mortgages with great features.
• Home Equity Lines of Credit (HELOC)
Use the equity in your home to tackle remodeling projects, consolidate debt, pay tuition expenses and
more. The choice is yours!
• New & Used Auto Loans
For qualifying new and used vehicles, receive fixed-rate financing for up to 115% of the MSRP or Kelley
Blue Book® retail value. Loan terms up to 84 months are available for new vehicles up to 72 months for
used vehicles.
• Personal Loans
Have a special plan or purchase but need the cash? A personal loan can help you make your plans a
reality, with great rates and flexible payments to fit your budget.
• Student Loans
With competitive interest rates, a student loan is a great option for covering qualifying education expenses,
including tuition, room and board, etc.
• Visa® Credit Card
05
Enjoy a low rate, worldwide acceptance, EMV Chip Technology and much more with the HFS Rewards Visa
Credit Card. Apply online and get approved today!
• Green Loans
Receive financing for environmentally friendly updates, like solar water heating systems.
• Online Banking
Check balances, view account history, make transfers and more, all from the convenience of your home.
Enjoy 24/7 account access!
• Online Bill Payer
Use our online Bill Payer to take the hassle out of paying your bills. With just a click of your mouse, you can
add payees and set up recurring or one-time payments. No more writing checks or buying stamps.
• Popmoney®
With Popmoney you can send money securely from your account to just about anyone with an email or
mobile number or request money from a friend or group. Register for Online Banking and Bill Payer to get
started today.
• e-Statements
Go green today and sign up for electronic statements. You will enjoy quicker access to your statements
and your choice to view, print or save up to two years of account statements.
• Mobile Banking
Enjoy convenient access to your account information 24 hours a day, seven days a week, from any mobile
device. Download our free* mobile app, access your account through your mobile web browser and sign
up for Text Banking to have account information sent directly to your mobile device. Managing your
finances has never been easier.
NEW! Deposit a check with your mobile device with the new, convenient Mobile Deposit feature!
• Phone Banking
Call (808) 930-1489 to transfer funds, pay loans, check balances and more. This convenient service is
available 24 hours a day, 365 days a year.
*You must be enrolled in HFS FCU Online Banking to use Mobile Banking. For HFS FCU Mobile Deposit, the credit union will charge a
$25.00 returned check fee and the amount of the check against your account if payment is not received, if payment is reversed or if the
check is dishonored or returned at any time. Standard message and data rates may apply. Check your carrier plan for details.
06
HFS FCU Products & Services: Insurance Products
HFS FCU Products & Services: Member Discounts
Group Accident Insurance
Members of HFS Federal Credit Union have access to great money-saving discounts just for being credit union
members. Learn more about these offers below and start saving today!
As an HFS member, you receive $2,000.00 free Accident Insurance through Royal State National Insurance
Company simply by enrolling. If you haven’t enrolled in your free coverage, complete the Group Accident
Insurance Enrollment Form and return it to Royal State National Insurance Company.
TrueStage Life Insurance Plans
®
Exclusively for credit union members, we offer TruStage Life Insurance policies to help you protect the people
who matter most in your life. With many different options in whole and term life policies, doesn’t it make sense
to check rates and look into this important coverage?
TruStage Life Insurance plans and policies offer affordable rates to fit your budget. They provide excellent
coverage, underwritten by CMFG Life Insurance Company. Visit the HFS website to learn about this important
coverage or call (855) 612-7909 for more information.
• Dollar Rent A Car®
Save 5% OFF the lowest discountable rate on www.dollar.com. Use corporate code BR3562.
• Get Away Today Discount Travel Services
Receive special member discounts on vacation packages, hotel packages and theme park tickets.
• HFN Discount Gasoline Program
• Automatic bill payments from your HFS FCU checking account
• No sign-up fees
• No membership fees
• Unlimited HFN cards per member
• Detailed billing for each card on your account
• Selectable PIN numbers
• Discount Movie Tickets
Regal Cinemas Premiere Movie Ticket
Price: $8.50
No restrictions and no expiration date
• Thrifty Car® Rental
Save 10% OFF the lowest discountable rate on www.thrifty.com. Use corporate code HT14004139.
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• TurboTax®
Members of HFS FCU are eligible to receive up to $15.00 off select TurboTax products.
• UH Hilo Athletics Discount Promotion
Receive an exclusive 25% discount off all men’s and women’s soccer, basketball, baseball, volleyball and
softball home games simply by showing your HFS ATM, debit or credit card.
08
General Merger Questions & Answers
Locations and Hours
Who is HFS Federal Credit Union (HFS FCU)?
HFS FCU was originally known as the Hawaii Federal-Territorial Employees Credit Union. It was organized
on January 4, 1937, by nine individuals who shared a common bond: the need for credit to be available to
those of small means. Since its founding, the credit union has experienced tremendous growth both in its
membership and its services. After Hawaii became the 50th state in 1959, the name of the credit union was
changed to Hawaii Federal and State Employees Federal Credit Union. In January 2000, member eligibility
was expanded to all those who live, work or volunteer on the Big Island. With this expansion, the credit union
changed its name to HFS Federal Credit Union to highlight its transition from restricted membership to its new
community-oriented approach.
Today, HFS FCU is the largest credit union on the Island of Hawaii with over 48,500 members and over $500
million in assets. HFS FCU serves its membership from seven full-service branch locations island-wide and
offers a complete suite of financial services. We proudly welcome all those on the Big Island to take advantage
of our products and services and to experience firsthand the difference at HFS Federal Credit Union – a place
where caring counts.
When is the conversion date?
HFS FCU and NHC FCU officially merged on October 1, 2015. However, the conversion of member accounts will
be completed by May 2, 2016. All NHC FCU accounts and loans will be moved over to the HFS FCU system, and
you will be able to utilize all HFS FCU products, services and offices as of May 2, 2016.
Will I be able to carry out transactions during the conversion weekend?
09
Please conduct all financial transactions utilizing your NHC FCU account, including in-branch and debit card
transactions, before 5:00pm HST on April 29, 2016, in preparation for the conversion weekend. Should you need
to make a purchase before May 2, 2016, please note that your NHC FCU credit card and checks will continue to
work with no interruptions.
Offices
All NHC FCU accounts will be transferred to new HFS FCU accounts. After the conversion, if you’d like to
combine an existing HFS FCU account with a new account, please visit any HFS FCU office and ask for a New
Accounts Specialist.
When will I be able to access all of HFS FCU’s member services?
Beginning Monday, May 2, 2016, you will be able to access your account as well as all HFS FCU products and
services at any office. You will also have access to HFS Online Banking and Phone Banking. If you are interested
in taking advantage of these products and services earlier, you are welcome to open a new HFS FCU account at
any time.
Lobby Hours
Drive-Thru Hours
632 Kinoole Street
Hilo, HI 96720
Mon. – Fri.
8:30 am – 5:00 pm
Mon. – Fri.
8:30 am – 5:00 pm
Sat.
Closed
Sat.
8:30 am – 1:30 pm
Honoka‘a
45-3600 Mamane Street
Honoka‘a, HI 96727
Mon. – Fri.
8:30 am – 5:00 pm
Sat.
Closed
Kea‘au
16-589 Old Volcano Road
Kea‘au, HI 96749
Mon. – Fri.
8:30 am – 5:00 pm
Mon. – Fri.
8:30 am – 5:00 pm
Sat.
8:30 am – 1:30 pm
Sat.
8:30 am – 1:30 pm
Mon. – Fri.
8:30 am – 5:00 pm
Sat.
Closed
Hilo
Kealakekua
Central Kona Center,
Building 5
81-958 Halekii Street
Kealakekua, HI 96750
Kona Coast
Shopping
Center
Kona Coast Shopping Center
74-5586 Palani Road, Suite 5
Kailua-Kona, HI 96740
Mon. – Fri.
9:00 am – 6:00 pm
Sat.
9:00 am – 1:30 pm
111 East Puainako Street
Hilo, HI 96720
Mon. – Fri.
9:00 am – 6:00 pm
Sat.
9:00 am – 1:30 pm
Prince Kuhio
Plaza
In addition, during this conversion period, please be aware that some account transactions may not be
immediately reflected on your account.
What if I also have an account at HFS FCU?
Addresses
Waimea
Center
Waimea Center
65-1158 Mamalahoa Highway, Mon. – Fri.
Suite 21
Sat.
Kamuela, HI 96743
9:00 am – 6:00 pm
9:00 am – 1:30 pm
Not available at this location
Will my savings account still be insured?
Federally insured credit unions offer a safe place for you to save your money, with deposits insured up to at
least $250,000 per individual depositor. For additional information regarding share insurance, please contact
the credit union at (808) 930-1400, or you may also visit: www.mycreditunion.gov/protect/Pages/SI.aspx.
Will I still receive a NHC FCU account statement for April?
See page 6 for more information about HFS Online Banking and page 16 for enrollment instructions.
Yes. Your last NHC FCU account statement for the month of April 2016 will be mailed to you in early May 2016.
What will happen to my NHC FCU accounts and member number (account number)?
Please note we are unable to transfer your e-statement preferences over to HFS FCU. If you would like to
receive your HFS FCU statements electronically, please follow the steps on page 16 to sign up for HFS Online
Banking, and then set up your e-statements. Statement history will not be transferred from Virtual Branch to
HFS Online Banking. Due to this, please print or save any statements you may need by April 28, 2016.
Included with this booklet is a letter containing your HFS FCU account number. Starting May 2, 2016, please
use this number whenever referencing your account. Unless you were otherwise notified, your new HFS FCU
account number is the same as your existing NHC FCU account number.
We have enclosed HFS Agreements and Disclosures, beginning on page 21, that will be applied to your
new account.
Where may I complete financial transactions after the conversion?
After May 2, 2016, you may visit any of the seven HFS FCU offices located island-wide to complete your
financial transactions.
What kind of fees does HFS FCU have?
We have included a fee comparison in this booklet, beginning on page 19. For a complete listing of our fees,
please review the Business Fee Schedule on page 21 and Consumer Fee Schedule on page 31.
10
Savings & Checking Questions & Answers
What will happen with my various insurance plans I am enrolled in?
• Accidental Death and Dismemberment (AD&D) Insurance
As of May 1, 2016, members who previously enrolled in a basic $2,000.00 complimentary AD&D plan with
NHC FCU will be automatically enrolled for coverage in the Royal State National Insurance Company basic
$2,000.00 AD&D plan paid for by HFS FCU. However, policyholders will need to submit a new beneficiary
designation to Royal State National Insurance Company. Information regarding this designation form will
be sent to members in early May 2016 with a new certificate of insurance. For members who previously
purchased additional AD&D coverage through NHC FCU, this coverage will remain intact with the current
carrier (CMFG Life Insurance Company), and payments will continue to be processed as normal. After May
1, 2016, members will have the option to terminate their existing plan and re-enroll in the new HFS Royal
State National Insurance Company group plan. Information regarding the Royal State National Insurance
Company group plan will be sent to all members in early May 2016.
• Credit Life Insurance and Credit Disability Insurance
All Credit Life and Credit Disability insurance plans will transfer along with the merger. Please look
for a separate mailing with specific details regarding your coverage and changes to the rates.
Whom do I contact with questions?
During this time of transition, we understand that you may have questions. You may refer to our Merger
Reference page at www.hfsfcu.org/NHCmerger, or please feel free to call us at (808) 930-1400 or toll-free
at (800) 216-2666.
How do I use HFS Phone Banking?
11
To enroll in HFS Phone Banking, please visit any HFS FCU office. Once enrollment is complete, simply call
(808) 930-1489 to pay your loans, transfer funds, check account balances and more.
How do I contact the credit union regarding my account or to complete a transaction
over the phone?
HFS Federal Credit Union is happy to help you with account inquiries or transactions over the phone. However,
our Call Center will require a telephone passcode in addition to personal identification information to validate
your identity. Please visit any HFS FCU office to establish a telephone passcode for your account.
Call Center Hours of Operation
Monday – Friday Saturday Phone Number: 8:30 am - 6:00 pm
8:30 am - 1:30 pm
What is the par value of an HFS FCU account?
The par value of an HFS FCU account is $5.00. To remain an HFS FCU member, your share account must
maintain, at the very minimum, this amount. A member whose balance falls below the par value at the time
of merger, within six months of the merger, or a member who reduces the share balance below the par value
of one share within two months of the reduction will be terminated from membership.
What will happen to my IRA Account?
Your IRA will automatically merge with HFS FCU, just like your savings, checking, loans, etc.
For 2015 tax reporting purposes, if you have made any withdrawals from your IRA, you should have received
Form 1099-R under North Hawaii Community Federal Credit Union by the end of January 2016.
For 2016 tax reporting purposes, all IRA forms will reflect HFS Federal Credit Union.
Can I make an IRA withdrawal/deposit for 2015 in 2016? If so, how does this impact the tax forms
and when will I receive them?
Regular withdrawals in 2016 for 2015 are not allowed by Internal Revenue Service (IRS) standards. Exceptions
may apply (for example, excess contributions, re-characterizations, etc.).
Withdrawals completed for 2015 will be reported under North Hawaii Community Federal Credit Union. Your
Form 1099-R should have been received by the end of January 2016.
Withdrawals completed for 2016 will be reported under HFS Federal Credit Union. You will receive Form
1099-R by the end of January 2017.
Regular deposits can be made for 2015 in 2016 but must be completed by April 15, 2016. Deposits completed for 2015 will be reported under North Hawaii Community Federal Credit Union. You will
receive Form 5498 by the end of May 2016.
Deposits completed for 2016 will be reported under HFS Federal Credit Union. You will receive Form 5498 by
the end of May 2017.
What will happen to my NHC FCU Debit Card?
You will be mailed an HFS FCU Debit Card in April. Please look for a separate mailing regarding information
about your card. Your current NHC FCU Debit Card will become inactive as of May 2, 2016, at 12:00 AM HST,
and should be properly destroyed.
Please activate your new HFS FCU Debit MasterCard® no sooner than May 2, 2016, at 12:00 AM HST.
(808) 930-1400
Can I still contact the Honoka'a office directly?
Yes, you may still continue to reach the Honoka'a office at (808) 775-7251 or by fax at (808) 775-9753 until
further notice.
What will happen to my NHC FCU personal checks?
You may continue to utilize your current North Hawaii Community checks until your supply is depleted. When
needed, you may place an order for new HFS FCU checks by visiting any HFS office, by calling (808) 930-1400
or through www.hfsfcu.org. Your first set of HFS FCU Volcano checks will be complimentary if ordered through
our Call Center or any HFS office before May 2017.
What ATMs can I use?
As an HFS FCU member, you will have access to your funds, surcharge free, at any Bank of Hawaii ATM. Please
note that Bank of Hawaii ATMs do not accept deposits. Members may also use any ATM with the MasterCard
logo, however; you may be assessed a fee.
How do I enroll in Overdraft Protection?
HFS FCU has two overdraft protection options that are available to you (see below). Please visit a Member
Service Representative at any of our seven branches for more information or to opt in.
12
Loan Questions & Answers
• Link to your savings account
HFS FCU allows you to designate and link a savings account as your overdraft account. In the event that
you write a check or use your debit card withdrawing more funds than are available, HFS FCU will transfer,
in $100.00 increments (or the available balance), from the designated savings account the amount
needed to cover your transaction. You are limited to six overdraft transfers per month.
• Overdraft line of credit
You may also apply for an overdraft line of credit (subject to credit approval). If approved, you will have
a line of credit that will be activated in the event you write a check or use your debit card withdrawing
more funds than are available in your account. If you don’t use it, it costs you nothing. In the event you do
overdraw your account, funds will be transferred into your checking account in $100.00 increments. You
will then pay interest on the number of days you use the loan. Making monthly or lump sum payments
will free up your available credit for when you need it next.
What should I do about my existing ACH automatic payments and direct deposits?
There will be no necessary changes for your automatic payments and direct deposits. Both of these items will
continue to be processed with no interruptions. For any new ACH or direct deposits, please use the information
provided in the welcome letter accompanying this booklet.
What will happen to the teller checks and money orders I purchased at NHC FCU?
Any teller checks and/or money orders purchased at NHC FCU will be honored and are not affected by
the conversion.
13
What will happen to my Visa Gift Cards and Visa Travel Cards I purchased?
What if I need to apply for a new loan?
HFS FCU has a variety of loans to fit your every need. For a complete listing of our loan products, please see
page 5 or visit us online at www.hfsfcu.org. If you need to apply for a loan prior to the conversion date and you
do not already have an active HFS FCU account, you will need to open a new HFS FCU account if approved.
Please visit any of our branches to get started.
What will happen to my existing NHC FCU loans?
All existing fixed NHC FCU loans will simply be transferred over to HFS FCU. Your payments, interest rate and
terms will all stay intact. This includes all auto, personal, share secured loans, mortgages, home equity loans,
lines of credit and land loans.
Will I need to notify my insurance agent that my lender is changing for HELOCs and Mortgages?
Yes, you will need to contact your insurance agent to inform them your lender is changing to HFS Federal
Credit Union for a Home Equity Loan or Mortgage Loan that you currently have with North Hawaii Community
Federal Credit Union.
The Mortgagee Clause must reflect the following on your insurance policy for both Homeowners and
Hurricane Insurance:
HFS Federal Credit Union
632 Kinoole Street
Hilo, HI 96720-3894
®
Visa Gift Cards and Visa Travel Cards will no longer be available for purchase. Any cards already purchased
may be used through the expiration date printed on the card.
What will happen to my share draft images in my Virtual Branch account?
Upon termination of Virtual Branch, you will no longer be able to access images of your share drafts deposited
to your account. We advise you to print or save any images of share drafts that may be needed.
What will happen to my Christmas Club Account?
Your NHC Christmas Club account will be transferred to HFS FCU’s Special Shares Account.
Automatic payouts of funds will occur on November 1, 2016. If you have selected to receive your payouts as
a deposit into a specified share or share draft account, this selection will be transferred to HFS FCU with the
merger. However, if you have selected to receive your payout via check, this option is not available and the
funds will be automatically deposited to your base share account.
Please mail or fax your Insurance Policy to our Insurance Tracking Department. Our address for mailing and
loss payee information follows:
HFS FCU
Attn: Insurance Department
600 Kapiolani Blvd., Suite 410
Honolulu, HI 96813
Telephone: (866) 744-6983; Fax: (877) 643-8032
Will I need to notify my insurance agent that my lender is changing for my Auto Loan?
Yes, you will need to contact your insurance agent to inform them your lender is changing to HFS Federal
Credit Union for your Auto Loan that you currently have with North Hawaii Community Federal Credit Union.
Please mail or fax your Insurance Policy to our Insurance Tracking Department. Our address for mailing and
loss payee information follows:
HFS FCU
Attn: Insurance Department
600 Kapiolani Blvd, Suite 410
Honolulu, HI 96813
Telephone: (866) 744-6983; Fax: (877) 643-8032
14
Where will I need to send my loan payments?
After May 2, 2016, please make your loan payments at any HFS FCU office or through HFS Online Banking. You
may also mail your payment to:
HFS FCU
Enroll in HFS Online Banking
Access your member account 24/7 from the convenience of your own home! Sign up for HFS Online Banking
starting May 2, 2016!
1. Click on the “Sign Up Now!” button at www.hfsfcu.org.
632 Kinoole Street
Hilo, HI 96720-3894
If you are interested in setting up automatic payments, please contact the Credit Union at (808) 930-1400 or
visit any office.
What should I do if I had automatic payments or automatic payroll deductions set up on my loans?
Any automatic payments set up with your NHC FCU account to make your loan payments will be processed
without interruption.
2. Read and agree to the Self-Enrollment disclosure.
I have a North Hawaii Community FCU Visa® Credit Card. What will happen to my card?
You may continue to use your North Hawaii Community FCU Visa Credit Card until November 2016. HFS FCU
will be mailing additional information to you in September as we begin the process of switching your card to
the HFS Rewards Visa Credit Card.
In the meantime, payments should continue to be submitted through www.ezcardinfo.com, mailed to the
Honoka‘a office, or brought into any HFS FCU office.
HFS FCU Honoka‘a Office
15
16
45-3600 Mamane Street
Honoka‘a, HI 96727
Please note that if you previously made your credit card payments through NHC FCU’s Virtual Branch, it will no
longer be accessible. Please submit your payments through one of the methods mentioned above.
3. Follow the prompts on your screen and complete all required fields.
What will happen to my existing ScoreCard® Rewards points?
The ScoreCard Rewards program will be ending as of June 30, 2016. Any transactions made after this date will
not earn rewards points. Please check the balance of your points and redeem them prior to August 29, 2016, by
visiting www.scorecardrewards.com or calling (800) 854-0790. Any remaining points will be forfeited after this
date.
Note: A valid email address and the information above must be on your member account prior to
enrolling in HFS Online Banking. Please call (808) 930-1400 for more information or visit any of our
branches to update your member information.
Enroll in HFS FCU Mobile Banking
Deposit Product Comparison
HFS Federal Credit Union Mobile Banking is available to all members currently enrolled in HFS Online
Banking. Interested in the HFS Mobile App and Browser, Mobile Deposit or Text Banking? Simply follow the
instructions below.
Once logged into HFS Online Banking, click on the “Mobile Banking” tab under “Access Accounts” and follow
the prompts to register your mobile device, or easily find our apps by searching for HFS Federal Credit Union
through your device app store.
North Hawaii Community
Federal Credit Union
HFS FCU rates offered to NHC FCU members
effective as of the merger date of October 1, 2015
NHC FCU rates prior to the merger date of October 1, 2015
*Standard message and data rates may apply. Check your carrier plan for details.
Enroll in HFS FCU e-Statements
Want to get your account statements faster? Sign up for e-Statements through Online Banking
as well!
Follow these steps to enroll today:
1. Enroll in HFS Online Banking
Description
Rate
Regular
Share
$0 - $99.99 0.00%
>$100
0.15%
Annual
Percentage
Yield (APY)
0.00%
0.15%
Notes
$1.00 Membership Fee
$5.00 Par Value
$50.00 Minimum Balance
to earn APY
Dividends Compounded: Monthly
Dividend Period: Calendar Month
Description
Regular
Share
Rate
0.015%
Annual
Percentage
Yield (APY)
Notes
0.015%
$1.00 Membership Fee
$50.00 Par Value
$50.00 Minimum Opening
to earn APY
0.015%
$50.00 M
inimum Balance
to earn APY
2. Under the "Your Preferences" tab, click on "e-Statement Selection"
3. Read the e-Statement Disclosure Agreement
4. In the drop down box, select "Electronic"
Special
Share
0.15%
0.15%
No Minimum Balance
No Maintenance Fees
0.15%
to earn APY
Club
Account
0.25%
$2,500.00 Minimum Balance
to earn APY
$250.00 Minimum Withdrawal
Super
Money
Market
1.50%
No Minimum Opening
No Minimum Balance
Dividends Compounded:
Quarterly
Dividend Period: Quarterly
0.00%
No Minimum Balance
No Monthly Service Fee
$25.00 NSF Fee
5. Save your new settings
17
Business/
Club
Money
Manager
0.15%
0.25%
Individual
1.50%
Retirement
Share Draft 0.00%
Christmas
0.015%
Club
18
0.015%
$50.00 M
inimum Balance
to earn APY
0.02%
$2,500.00 Minimum Opening
$2,500.00 M
inimum Balance
to earn APY
Individual
0.15%
Retirement
0.15%
$50.00 M
inimum Balance
to earn APY
Dividend Period: Monthly
Share Draft 0.00%
0.00%
$25.00 NSF Fee
0.015%
0.08%
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Schedule of Fees Comparison
Schedule of Fees Comparison
This comparison only reflects the differences between NHC FCU and HFS FCU fees. This is not a complete
listing of all HFS FCU fees. A complete schedule of fees and charges can be found on page 31.
This comparison only reflects the differences between NHC FCU and HFS FCU fees. This is not a complete
listing of all HFS FCU fees. A complete schedule of fees and charges can be found on page 31.
Fee Type
Account Service Fee
$1.00
No charge
Abandoned Account/Property
$35.00
$45.00
Account History Printout
$5.00
$2.50
Account Closing within 90 Days of
Opening
No Charge
$25.00
Notes
Fee per month if $50.00 minimum
average daily balance for the period is
not maintained
Fee taken at time of escheatment
HFS will charge $5.00 for the first page
and $1.00 per page thereafter
Account Reconciliation
$25.00
$17.50
HFS does not charge for current month
or initial request. For all other instances,
the charge is $25.00 per hour. NHC fee
charged per half hour
Account Research
$25.00
$17.50
HFS FCU fee charged per hour (one hour
minimum). NHC FCU fee charged per half
hour (plus copy fee)
ATM Withdrawal
HFS members are not
surcharged for inquiries
or withdrawals made at
Bankoh Bank Machines
$1.00
Fees disclosed do not include any
surcharges that may be levied by the
machine owner at the time of the
transaction
$2.50
Not Available
Bill Payer
Fee Type
Foreign Transaction Fee (without
currency conversion)
0.90%
0.80%
Fee charged as percentage of
transaction amount
Foreign Transaction Fee (with
currency conversion)
1.10%
1.00%
Fee charged as percentage of
transaction amount
Debit Card PIN Rush Order
No Charge
$60.00
Returned Foreign Check
See Member Services
Representative for
details – Varies
$25.00
Resubmitted Deposited Item
Not Available
$5.00
Over the Counter Payment of
Previously Returned Draft
$1.00
No Charge
Fee charged per item
Skip a Payment
Not Available
$20.00
Fee charged per loan
Notes
NHC FCU members are responsible for
any shortfall in the currency exchange
upon the item’s return
Statement Copy
$5.00
$2.50
NHC provides last 90 days only. Account
Research Fees apply beyond 90 days. HFS
fee charged per statement.
NHC fee charged per page
Stop Payment
$25.00
$25.00 Personal Check
$40.00 Teller Check
ACH/pre-authorized payment, bill payer,
online bill payment, official check, money
order, check or share draft, etc
Official/Teller Check
HFS allows one free
check per day, per
member. $1.00 fee per
additional check. Fee
charged per item
$3.00
Temporary Checks
No Charge
$3.00
Temporary Checks, not picked up
after three days
$7.50
No Charge
Transaction Reversal
No Charge
$5.00
American Express® Gift Checks
$1.25
Not Available
Fee charged per check
Online Bill Payer
No Charge
Not Available
Checks Placed for Collection
Cost of Collection
No Charge
Coin Services
HFS FCU has coin counting
machines available at
various branches. Service
is free to members and
a 10% surcharge
for non-members
$0.10
Debit Card PIN Reissuance
$2.00
$5.00
Debit Card Reactivation
No Charge
$25.00
Checks
Varies by Style
Varies by Style
HFS FCU offers free Volcano style checks
with direct deposit
American Express
Travelers Checks
No Charge
1.00% of value
American Express Travelers
Checks for Two
0.50% of check value
Not Available
Fax
$1.00
Not Available
Notary
No Charge for Members
No Charge
Wire Transfer CU to CU
Not Available
$5.00
Incoming Wire Transfer Fee
$12.00
$10.00
Wire via Bank of Hawaii
Incoming Wire Transfer Fee
No Charge
$10.00
Wire via FedWire
Outgoing Domestic Wire Transfer
$25.00
$20.00
Outgoing International Wire
Transfer
Not Available
$65.00
Wire Trace or Recall Fee
No Charge
$25.00
NHC FCU charges $0.10 per roll for coin
wrapping services. The Honoka‘a branch
will have a coin machine installed in the
summer of 2016
Copy of Cleared Check/ Receipt
$2.50
$2.00
Fee charged per photocopy of deposited
check or item, official check, money
order, cleared share draft, or transaction
receipt
Legal Notice Processing
(Garnishments, Levies, Subpoenas)
$50.00
$25.00
HFS also charges for research, copying
and all other applicable fees and costs
Inactive Account
$5.00
$7.50
Fee charged per month after one year
of inactivity
Money Order
$1.00
$2.00
Automatic Overdraft Transfer
No Charge
$1.00
Fee charged per transfer
Photocopy
$0.25
$1.00
Fee charged per page
Debit Card Rush Order
$60.00
$60.00
HFS FCU also includes shipping fees
Fee charged per transaction
For non-members, standard fees will
apply per Hawaii Revised Statutes
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BUSINESS ACCOUNT SCHEDULE OF FEES AND CHARGES
Effective Date: November 15, 2014
The fees appearing in this Schedule are accurate and effective for accounts as of the Effective Date indicated above. Please file this with your other credit
union documents and agreements. If you have any questions or require current fee information on your accounts, please call the Credit Union at 9301400 (Hawaii) or 1-800-216-2666 (Toll-free).
Business / Club Share Account Service Fee
Account Service Fee (If $100 minimum average daily balance for the period is not maintained) ................................................................... $1.00 per month
Account Related Service Fees (Applicable to all accounts)
Abandoned Property (Escheat)................................................................................................................................................................... $35.00
Account History Print ........................................................................................................................................................ $5.00 for the 1st page
....................................................................................................................................................................................$1.00 per additional page
Account Reconciliation (Free for current month or initial request) .......................................................................................................... $25.00 per hour
Account Research (1 hour minimum) .............................................................................................................................................. $25.00 per hour
Bill Payer ....................................................................................................................................................................................$2.50 per check
Bill Payment (Online) Access to bill payer requires use of SSN as the taxpayer ID............................................................................................. No Charge
Checks Placed for Collection .................................................................................................................................................. Cost of Collection
Inactive Account (After 1 year of no activity*) .................................................................................................................................... $5.00 per month
(The inactive account fee may be waived for: members under age 18; members having cumulative savings greater than $100.00; or members having an active credit card,
loan, and/or an Individual Retirement Account (IRA))
*Activity does not include Credit Union initiated transactions such as dividend payments, service charges, etc.
Legal Notice Processing (Garnishment, levy, subpoena, etc.) ......... $50.00 per item, plus research, copying and all other applicable fees and costs
Membership Fee ........................................................................................................................................................................................ $1.00
Money Order .............................................................................................................................................................................................. $1.00
Non-Sufficient Funds ................................................................................................................................................................. $25.00 per item
21
(Automated Clearing House (ACH)/pre-authorized payment, check or share draft, Point of Sale (POS)/debit card transaction, online bill payment)
Official Check ...................................................................................................................................................... One free per day, per member
.................................................................................................................................................................................. $1.00 per additional check
Overdraft .................................................................................................................................................................................... $25.00 per item
(ACH/pre-authorized payment, check or share draft, counter withdrawal, Point of Sale (POS)/debit card transaction, online bill payment)
Photocopy ................................................................................................................................................................................... $2.50 per copy
(Deposited check or item, official check, money order, cleared share draft, or transaction receipt)
Returned Check/Item ................................................................................................................................................................................. $5.00
Returned Foreign Check/Item (See Member Services Representative for details) .................................................................................................. Varies
Share Draft Printing (Free “Volcano” style checks with direct deposit) ...................................................................................................... Varies by Style
Statement Copy .................................................................................................................................................................. $5.00 per statement
Stop Payment ............................................................................................................................................................................ $25.00 per item
(ACH/pre-authorized payment, bill payer, online bill payment, official check, money order, check or share draft, etc.)
Temporary Drafts Not Picked Up after Three (3) Days .............................................................................................................................. $7.50
Verification of Account ............................................................................................................................................................................... $5.00
ATM Sharecard and Master Debit Card Fees
ATM Inquiry (Unlimited usage) ................................................................................................................................................................ No Charge
ATM Withdrawal (Unlimited usage) ......................................................................................................................................................... No Charge
Expedited Shipping of Card (Plus shipping fees) ........................................................................................................................................... $60.00
Foreign Transaction Fee without currency conversion ......................................................................................... 0.90% of transaction amount
Foreign Transaction Fee with currency conversion .............................................................................................. 1.10% of transaction amount
PIN Reissuance ......................................................................................................................................................................................... $2.00
Point of Sale (POS) Transactions (Unlimited usage) .............................................................................................................................. No Charge
Replacement Card ..................................................................................................................................................................................... $5.00
The above include fees charged by HFS Federal Credit Union. It does not include any surcharges that may be levied by the machine owner at the time of
the transaction. Credit Union members are not surcharged for inquiries or withdrawals made at Bankoh Bank Machines.
HFS Federal Credit Union – Business Account Schedule of Fees and Charges
BASOFAC101 Page 1 of 2
Other Service Fees
American Express Gift Checks ..................................................................................................................................................$1.25 per check
American Express Travelers Checks ................................................................................................................................................. No Charge
American Express Travelers Checks for Two (2) ................................................................................................................. ½% of check value
Coin Machine ................................................................................................................................................................... Members - No Charge
....................................................................................................................................................... Non-members - 10% of transaction amount
Facsimile Transmission (FAX) ...................................................................................................................................................... $1.00 per page
Notary ............................................................................................................................................................................. Members - No Charge
............................................................................................................. Non-members - Standard Fees will apply per Hawaii Revised Statutes
Over the Counter Payment of Previously Returned Draft (Presented by Payee) ............................................................................... $1.00 per draft
Photocopy ................................................................................................................................................................................... $0.25 per page
Popmoney (person to person payments)
Next Day Delivery (Up to one (1) day after recipient accepts notification) ................................................................................................................. $1.00
Same Day Delivery (Once recipient accepts notification) ..................................................................................................................................... $3.00
Standard Delivery (Up to three (3) days after recipient accepts notification) .............................................................................................................. $1.00
Request Money .......................................................................................................................................................................................... $1.00
Safe Deposit Box Rental Fees
Key Deposit ............................................................................................................................................................................................. $30.00
Lock Replacement (1 original key required) .................................................................................................................................................... $30.00
Lock Replacement (No key available, cost to drill) .......................................................................................................................................... $120.00
Rental Size: 5”x5”x24” ............................................................................................................................................................... $30.00 per year
Rental Size: 3”x10”x24” ............................................................................................................................................................. $35.00 per year
Rental Size: 10”x10”x24” ........................................................................................................................................................... $75.00 per year
Note: Contents of Safe Deposit Boxes are not insured by HFS FCU, the NCUA, or any other government agency.
Wire Transfer Fees
Incoming (Bank of Hawaii) ............................................................................................................................................................................ $12.00
Incoming (FedWire) .............................................................................................................................................................................. No Charge
Outgoing (Domestic) ................................................................................................................................................................................... $25.00
Federally insured by NCUA
22
632 Kinoole Street
Hilo, Hawaii 96720-3894
23
24
25
26
27
28
Check 21 Disclosure
What is a Substitute Check?
To make check processing faster, federal law permits financial institutions to replace original checks with “substitute
checks.” These checks are similar in size to original checks with a slightly reduced image of the front and back of the
original check. The front of a substitute check states: “This is a legal copy of your check. You can use it the same way
you would use the original check.” You may use a substitute check as proof of payment just like the original check.
Some or all of the checks that you receive back from HFS Federal Credit Union may be substitute checks. This notice
describes rights you have when you receive substitute checks from us. The rights within this notice do not apply to original
checks or to electronic debits to your account. However, you have rights under other law with respect to those
transactions.
What are my rights regarding substitute checks?
In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a
substitute check is posted to your account. For example, if you think that we withdrew the wrong amount from your
account or that we withdrew money from your account more than once for the same check. The losses you may attempt
to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged
as a result of the withdrawal, i.e. bounced check fees.
29
The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check,
whichever is less. You also are entitled to dividends on the amount of your refund if your account is a dividend bearing
account. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under
other law.
If you use this procedure, you may receive up to $2,500 of your refund plus dividends if your account earns dividends
within 10 business days after we received your claim and the remainder of your refund plus dividends if your account earns
dividends not later than 45 calendar days after we received your claim.
We may reverse the refund including any dividends on the refund if we later are able to demonstrate that the substitute
check was correctly posted to your account.
How do I make a claim for a refund?
If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your
account, please contact us at: HFS Federal Credit Union, 632 Kinoole Street, Hilo, HI 96720-3894, Phone: (808) 9301400, Toll Free: (800) 216-2666, www.hfsfcu.org.
You must contact us within 40 calendar days of the date that we mailed (or otherwise delivered by a means to which you
agreed) the substitute check in question or the account statement showing that the substitute check was posted to your
account, whichever is later. We will extend this time period if you were not able to make a timely claim because of
extraordinary circumstances.
Your claim must be in writing and include:
• A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect);
• An estimate of the amount of your loss;
• An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and
• A copy of the substitute check and/or the following information to help us identify the substitute check (for
example, the check number, the name of the person to whom you wrote the check, the amount of the check).
632 Kinoole Street, Hilo, HI 96720-3894
Phone: (808) 930-1400 Fax: (808) 935-2091
Toll Free: (800) 216-2666
www.hfsfcu.org
C21D101 (01122015)
30
Other Service Fees
SCHEDULE OF FEES AND CHARGES
Effective Date: November 15, 2014
The fees appearing in this Schedule are accurate and effective for accounts as of the Effective Date indicated above. Please file this with your other credit
union documents and agreements. If you have any questions or require current fee information on your accounts, please call the Credit Union at 9301400 (Hawaii) or 1-800-216-2666 (Toll-free).
Regular Share Account Service Fee
Account Service Fee (If $50 minimum average daily balance for the period is not maintained) ..................................................................... $1.00 per month
Account Related Service Fees (Applicable to all accounts)
Abandoned Property (Escheat)................................................................................................................................................................... $35.00
Account History Print ........................................................................................................................................................ $5.00 for the 1st page
....................................................................................................................................................................................$1.00 per additional page
Account Reconciliation (Free for current month or initial request) .......................................................................................................... $25.00 per hour
Account Research (1 hour minimum) .............................................................................................................................................. $25.00 per hour
Bill Payer ....................................................................................................................................................................................$2.50 per check
Bill Payment (Online) ......................................................................................................................................................................... No Charge
Checks Placed for Collection .................................................................................................................................................. Cost of Collection
Inactive Account (After 1 year of no activity*) .................................................................................................................................... $5.00 per month
(The inactive account fee may be waived for: members under age 18; members having cumulative savings greater than $100.00; or members having an active credit card,
loan, and/or an Individual Retirement Account (IRA))
*Activity does not include Credit Union initiated transactions such as dividend payments, service charges, etc.
Legal Notice Processing (Garnishment, levy, subpoena, etc.) ......... $50.00 per item, plus research, copying and all other applicable fees and costs
Membership Fee ........................................................................................................................................................................................ $1.00
Money Order .............................................................................................................................................................................................. $1.00
Non-Sufficient Funds ................................................................................................................................................................. $25.00 per item
31
(Automated Clearing House (ACH)/pre-authorized payment, check or share draft, Point of Sale (POS)/debit card transaction, online bill payment)
Official Check ...................................................................................................................................................... One free per day, per member
.................................................................................................................................................................................. $1.00 per additional check
Overdraft .................................................................................................................................................................................... $25.00 per item
American Express Gift Checks ..................................................................................................................................................$1.25 per check
American Express Travelers Checks ................................................................................................................................................. No Charge
American Express Travelers Checks for Two (2) ................................................................................................................. ½% of check value
Coin Machine ................................................................................................................................................................... Members - No Charge
....................................................................................................................................................... Non-members - 10% of transaction amount
Facsimile Transmission (FAX) ...................................................................................................................................................... $1.00 per page
Notary ............................................................................................................................................................................. Members - No Charge
............................................................................................................. Non-members - Standard Fees will apply per Hawaii Revised Statutes
Over the Counter Payment of Previously Returned Draft (Presented by Payee) ............................................................................... $1.00 per draft
Photocopy ................................................................................................................................................................................... $0.25 per page
Popmoney (person to person payments)
Next Day Delivery (Up to one (1) day after recipient accepts notification) ................................................................................................................. $1.00
Same Day Delivery (Once recipient accepts notification) ..................................................................................................................................... $3.00
Standard Delivery (Up to three (3) days after recipient accepts notification) .............................................................................................................. $1.00
Request Money .......................................................................................................................................................................................... $1.00
Safe Deposit Box Rental Fees
Key Deposit ............................................................................................................................................................................................. $30.00
Lock Replacement (1 original key required) .................................................................................................................................................... $30.00
Lock Replacement (No key available, cost to drill) .......................................................................................................................................... $120.00
Rental Size: 5”x5”x24” ............................................................................................................................................................... $30.00 per year
Rental Size: 10”x10”x24” ........................................................................................................................................................... $75.00 per year
Note: Contents of Safe Deposit Boxes are not insured by HFS FCU, the NCUA, or any other government agency.
Wire Transfer Fees
Incoming (Bank of Hawaii) ............................................................................................................................................................................ $12.00
Incoming (FedWire) .............................................................................................................................................................................. No Charge
Outgoing (Domestic) ................................................................................................................................................................................... $25.00
(ACH/pre-authorized payment, check or share draft, counter withdrawal, Point of Sale (POS)/debit card transaction, online bill payment)
Photocopy ................................................................................................................................................................................... $2.50 per copy
(Deposited check or item, official check, money order, cleared share draft, or transaction receipt)
Returned Check/Item……………………………………………………………….. . ..................................................................................... $25.00
Returned Foreign Check/Item (See Member Services Representative for details) .................................................................................................. Varies
Share Draft Printing (Free “Volcano” style checks with direct deposit) ...................................................................................................... Varies by Style
Statement Copy .................................................................................................................................................................. $5.00 per statement
Stop Payment ............................................................................................................................................................................ $25.00 per item
Federally insured by NCUA
(ACH/pre-authorized payment, bill payer, online bill payment, official check, money order, check or share draft, etc.)
Temporary Drafts Not Picked Up after Three (3) Days .............................................................................................................................. $7.50
Verification of Account ............................................................................................................................................................................... $5.00
ATM Sharecard and Master Debit Card Fees
ATM Inquiry (Unlimited usage) ................................................................................................................................................................ No Charge
ATM Withdrawal (Unlimited usage) ......................................................................................................................................................... No Charge
Expedited Shipping of Card (Plus shipping fees). .......................................................................................................................................... $60.00
Foreign Transaction Fee without currency conversion ......................................................................................... 0.90% of transaction amount
Foreign Transaction Fee with currency conversion .............................................................................................. 1.10% of transaction amount
PIN Reissuance ......................................................................................................................................................................................... $2.00
Point of Sale (POS) Transactions (Unlimited usage) .............................................................................................................................. No Charge
Replacement Card ..................................................................................................................................................................................... $5.00
The above include fees charged by HFS Federal Credit Union. It does not include any surcharges that may be levied by the machine owner at the time of
the transaction. Credit Union members are not surcharged for inquiries or withdrawals made at Bankoh Bank Machines.
HFS Federal Credit Union – Schedule of Fees and Charges
SOFAC101 Page 1 of 2
HFS Federal Credit Union – Schedule of Fees and Charges
SOFAC101 Page 2 of 2
32
- There is no limit on the number of POS transactions you may make in any one (1) day.
- You may purchase up to a maximum of $5,000.00 from POS terminals per day, if there are sufficient available funds in your
account.
- For security purposes, there are other limits on the frequency and amount of transfers available at ATMs.
- You may transfer up to the available balance in your accounts at the time of the transfer.
- See Section 2 for transfer limitations that may apply to these transactions.
632 Kinoole Street
c. Phone Banking (Audio Response). If we approve Phone Banking for your accounts, a separate personal identification number
(PIN) will be assigned to you. You must use your personal identification number (PIN) along with your account number to access your
accounts. At the present time, you may use Phone Banking to:
ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE
This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities
concerning the electronic fund transfers (EFT) services offered to you by HFS Federal Credit Union (“Credit Union”). In this Agreement,
the words “you,” “your,” and “yours” mean those who sign the application or account card as applicants, joint owners, or any authorized
users. The words “we,” “us,” and “our” mean the Credit Union. The word “account” means any one (1) or more share and share draft
accounts you have with the Credit Union. Electronic fund transfers are electronically initiated transfers of money from your account
through the EFT services described below. By signing an application or account card for EFT services, signing your card, or using any
service, each of you, jointly and severally, agree to the terms and conditions in this Agreement and any amendments for the EFT
services offered. Furthermore, electronic fund transfers that meet the definition of remittance transfers are governed by 12 C.F.R. part
1005, subpart B—Requirements for remittance transfers, and consequently, terms of this agreement may vary for those types of
transactions. A “remittance transfer” is an electronic transfer of funds of more than $15.00 which is requested by a sender and sent to a
designated recipient in a foreign country by a remittance transfer provider. Terms applicable to such transactions may vary from those
disclosed herein and will be disclosed to you at the time such services are requested and rendered in accordance with applicable law.
1.
EFT SERVICES — If approved, you may conduct any one (1) or more of the EFT services offered by the Credit Union.
a. ATM Card. If approved, you may use your card and personal identification number (PIN) in automated teller machines (ATMs) of
the Credit Union, STAR and PLUS networks, and such other machines or facilities as the Credit Union may designate.
At the present time, you may use your card to:
- Withdraw funds from your designated share accounts.
- Obtain balance information for your designated share accounts.
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There is no limit on the number of cash withdrawals you may make in any one (1) day.
You may withdraw up to a maximum of $500.00 in any one (1) day, if there are available funds in your account.
For security purposes, there are other limits on the frequency and amount of transfers available at ATMs.
See Section 2 for transfer limitations that may apply to these transactions.
b. Debit MasterCard. If approved, you may use your card to purchase goods and services from participating merchants. However,
you may not use your card to initiate any type of electronic gambling transactions through the Internet. If you wish to pay for goods or
services over the Internet, you may be required to provide card number security information before you will be permitted to complete
the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law.
Funds to cover your card purchases will be deducted from your share draft account. For one-time debit card transactions, you must
consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your
consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for
overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the
Schedule of Fees and Charges.
For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay
the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection
accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account,
you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated
overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification
number (PIN) in ATMs of the Credit Union, STAR and PLUS networks, and such other machines or facilities as the Credit Union may
designate.
At the present time, you may also use your card to:
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Withdraw funds from your share and share draft accounts.
Transfer funds between your share and share draft accounts.
Obtain balance information for your share and share draft accounts.
Access your Line of Credit account through your established Overdraft Protection Plan.
Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at
merchants that accept Debit MasterCard or at POS terminals that display the STAR and PLUS network logo(s).
- Order goods or services by mail, internet, or telephone from places that accept Debit MasterCard.
The following limitations on the frequency and amount of Debit MasterCard transactions may apply:
-
There is no limit on the number of Debit MasterCard purchases you make per day.
Purchase amounts are limited to the amount in your account.
There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine.
You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient available funds in
your account.
©CUNA Mutual Group 2008-10, 12-14 All Rights Reserved
Your accounts can be accessed under Phone Banking via a touch-tone telephone only. Phone Banking service will be available for your
convenience 24 hours per day. This service may be interrupted for a short time each day for data processing.
The following limitations on Phone Banking transactions may apply:
- There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one (1) day.
- Transactions are limited to the available funds in your account.
The Credit Union reserves the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an
account below a required balance, or otherwise require us to increase our required reserve on the account. All checks are payable to
the first-named owner on the account and will be mailed to the address of record. The Credit Union may set other limits on the amount
of any transaction, and you will be notified of those limits. The Credit Union may refuse to honor any transaction for which you do not
have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to
enter a transaction and there may be limits on the duration of each telephone call.
The following limitations on the frequency and amount of ATM Card transactions may apply:
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- Withdraw funds by check from your share, share draft, special shares, money manager and line of credit accounts.
- Transfer funds from your share, share draft, special shares, money manager and line of credit accounts.
- Obtain balance information for your share, share draft, loan, individual retirement account, share certificate, special shares, money
manager, Personal Line of Credit and Home Equity Line of Credit accounts.
- Make loan payments from your share, share draft and money manager accounts.
- Access your Line of Credit account.
- Determine if a particular item has cleared.
- Obtain tax information on amounts earned on share, share draft, special shares, money manager and share certificate accounts or
interest paid on loan accounts.
- Verify the last date and amount of your payroll deposit.
- Change your Phone Banking Authorization (PIN) Code.
DHIAPF (510028 EFT008)-e
d.
Preauthorized EFTs.
- Direct Deposit. Upon instruction of (i) your employer, (ii) the Treasury Department or (iii) other financial institutions, the Credit
Union will accept direct deposits of your paycheck or federal recurring payments, such as Social Security, to your share and/or
share draft account.
- Preauthorized Debits. Upon instruction, we will pay certain recurring transactions from your share and/or share draft account.
- Stop Payment Rights. If you have arranged in advance to make electronic fund transfers out of your account(s) for money you
owe others, you may stop payment on preauthorized transfers from your account. You must notify us orally or in writing at any time
up to three (3) business days before the scheduled date of the transfer. We may require written confirmation of the stop payment
order to be made within 14 days of any oral notification. If we do not receive the written confirmation, the oral stop payment order
shall cease to be binding 14 days after it has been made. A stop payment request for preauthorized Electronic Fund Transfers will
apply to all subsequent transfers, unless you withdraw the request.
- Notice of Varying Amounts. If these regular payments may vary in amount, the person you are going to pay is required to tell
you, ten (10) 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.
- Liability for Failure to Stop Payment of Preauthorized Transfers. If you order us to stop payment of a preauthorized transfer
three (3) business days or more before the transfer is scheduled and we do not do so, we will be liable for your losses or damages.
e. Electronic Check Conversion/Electronic Returned Check Fees. If you pay for purchases or bills with a check or share draft,
you may authorize your check or share draft to be converted to an electronic fund transfer. You may also authorize merchants or other
payees to electronically debit your account for returned check fees. You are considered to have authorized these electronic fund
transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed
electronically or if you sign a written authorization.
f. Online Banking. If we approve Online Banking for your accounts, you will be required to create a password within the
characteristic and length requirements. You must use your password, along with your user identification (ID) to access your accounts.
At the present time, you may use Online Banking to:
-
Request check withdrawal from your share, share draft, special shares, money manager and Personal Line of Credit accounts.
Transfer funds from your share, share draft, special shares, money manager and Personal Line of Credit accounts.
Transfer funds to/from other financial institutions (fund transfers).
Obtain balance information for your share, share draft, loan, individual retirement account, share certificate, special shares, money
manager, Personal Line of Credit, Home Equity Line of Credit and credit card accounts.
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Make loan payments and credit card payments from your share, share draft, special shares and money manager accounts.
Determine if a check or electronic payment has cleared.
Verify account history on shares and loan accounts.
Utilize bill payment services to pay bills, charge or cancel payments and add or change payees.
View e-statements.
View images of cleared checks.
Your accounts can be accessed under Online Banking via personal computer. Online Banking will be available for your convenience
24 hours per day. This service may be interrupted for a short time each day for data processing. We reserve the right to refuse any
transaction which would draw upon insufficient funds, exceed a credit limit or lower an account below a required balance. All checks are
payable to you as a primary member and will be mailed to your address of record. We may set other limits on the amount of any
transaction, and you will be notified of those limits. We may refuse to honor any transaction for which you do not have sufficient
available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a
transaction and there may be limits on the duration of each access.
The following limitations on Online Banking transactions may apply:
- There is no limit to the number of inquiries.
g. Mobile Banking. If we approve Mobile Banking for your accounts, you will be required to create a password within the
characteristic and length requirements. You must use your password, along with your user identification (ID) to access your accounts.
At the present time, you may use Mobile Banking to:
- Transfer funds from your share, share draft, special shares, money manager and Personal Line of Credit accounts.
- Transfer funds to/from other financial institutions (fund transfers).
- Obtain balance information for your share, share draft, loan, individual retirement account, share certificate, special shares, money
manager, Personal Line of Credit, Home Equity Line of Credit and credit card accounts.
- Make loan payments and credit card payments from your share, share draft, special share and money manager accounts.
- Verify account history on shares and loan accounts.
- Utilize bill payment services to pay bills, charge or cancel payments.
- Deposit a check to your share, share draft, special shares and money manager accounts.
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Your accounts can be accessed under Mobile Banking via mobile phone, tablet or other approved access device(s). Mobile Banking will
be available for your convenience 24 hours per day. This service may be interrupted for a short time each day for data processing. We
reserve the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit or lower an account below a
required balance. We may set other limits on the amount of any transaction, and you will be notified of those limits. We may refuse to
honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is
entered after numerous unsuccessful attempts to enter a transaction and there may be limits on the duration of each access.
The following limitations on Mobile Banking transactions may apply:
- There is no limit to the number of inquiries.
h. Online Bill Payer. We will process bill payment transfer requests only to those creditors the Credit Union has designated in the
User Instructions and such creditors as you authorize and for whom the Credit Union has the proper vendor code number. We will not
process any bill payment transfer if the required transaction information is incomplete.
We will withdraw the designated funds from your share draft account for bill payment transfer by the designated cut-off time on the date
you schedule for payment. We will process your bill payment transfer within a designated number of days before the date you have
scheduled for payment. You must allow sufficient time for vendors to process your payment after they receive a transfer from us.
Please leave as much time as though you were sending your payment by mail. We cannot guarantee the time that any payment will be
credited to your account by the vendor.
3.
CONDITIONS OF EFT SERVICES —
a. Ownership of Cards. Any card or other device which we supply to you is our property and must be returned to us, or to any
person whom we authorize to act as our agent, or to any person who is authorized to honor the card, immediately according to
instructions. The card may be repossessed at any time at our sole discretion without demand or notice. You cannot transfer your card
or account to another person.
b. Honoring the Card. Neither we nor merchants authorized to honor the card will be responsible for the failure or refusal to honor
the card or any other device we supply to you. If a merchant agrees to give you a refund or adjustment, you agree to accept a credit to
your account in lieu of a cash refund.
c. Foreign Transactions.
Debit MasterCard. Purchases, cash advances, and cash withdrawals made in foreign currencies will be debited from your account in
U.S. dollars. The exchange rate used to convert foreign currency transactions to U.S. dollars is either a government-mandated
exchange rate or a wholesale exchange rate and is selected by MasterCard. The rate MasterCard uses for a particular transaction is
the rate MasterCard selects for the applicable currency on the day the transaction is processed. This rate may differ from the rate
applicable on the date the transaction occurred or was posted to your account.
A fee will be charged on all transactions completed outside of the United States, where the cardholder’s country code differs from the
merchant’s country code. In addition, a fee will be charged on all transactions completed in a foreign currency. All fees are calculated
based on the transaction amount after it is converted to U.S. dollars. These fees are charged except where excluded. Please see our
current Schedule of Fees and Charges to determine the service fees.
d. Security of Access Code. You may use one (1) or more access codes with your electronic fund transfers. The access codes
issued to you are for your security purposes. Any access codes issued to you are confidential and should not be disclosed to third
parties or recorded on or with the card. You are responsible for safekeeping your access codes. You agree not to disclose or otherwise
make your access codes available to anyone not authorized to sign on your accounts. If you authorize anyone to use your access
codes, that authority shall continue until you specifically revoke such authority by notifying the Credit Union. You understand that any
joint owner you authorize to use an access code may withdraw or transfer funds from any of your accounts. If you fail to maintain the
security of these access codes and the Credit Union suffers a loss, we may terminate your EFT services immediately.
e. Joint Accounts. If any of your accounts accessed under this Agreement are joint accounts, all joint owners, including any
authorized users, shall be bound by this Agreement and, alone and together, shall be responsible for all EFT transactions to or from
any share and share draft or loan accounts as provided in this Agreement. Each joint account owner, without the consent of any other
account owner, may, and is hereby authorized by every other joint account owner, make any transaction permitted under this
Agreement. Each joint account owner is authorized to act for the other account owners, and the Credit Union may accept orders and
instructions regarding any EFT transaction on any account from any joint account owner.
f. Access to Family of Accounts and Linked Accounts. Your primary share account may have multiple subaccounts attached to
it, such as draft (checking) accounts, share certificates, credit cards, loans, lines of credit and mortgages. Your primary share account
and all subaccounts attached to it are referred to as a "family of accounts.” Any person with access to the account or any subaccount
has access to all information in the entire "family of accounts," even if that person does not have authority to make transactions in those
other account or subaccounts. The information may include, for example, transactions, account history, balances, delinquencies, loans,
applications, disbursements of funds, deposits, withdrawals, debits, draws, charges, transfers, payments, security, account statements,
payable on death (POD) payees, and any other information concerning any account or subaccounts in the “family of accounts.”
If you or any other authorized person permits a third party to use an account authentication code (such as a user ID, password,
passcode, personal identification number (PIN), or other access code) you and all other owners of the Account are responsible for all
transactions that the third party authorizes or conducts, even if the third party exceeds the permission given to the third party. This
means that the third party may make transactions in all accounts and subaccounts linked with the authorization code, whether or not
the third party would otherwise have authority to make transactions in those accounts and subaccounts. Access includes all linked
accounts and subaccounts, whether or not they are in the same “family of accounts.” By giving the third party the authentication code,
the third party is authorized to conduct any transaction (and receive any information) that the Account Owner could conduct (or receive)
with the authentication code. If you do not want this to occur, change your authentication code, do not give your authentication code to
others, do not allow others to link to your account, and ask us how to remove links between accounts.
You agree to indemnify, defend, and hold HFS Federal Credit Union harmless against all claims regarding information given to any joint
owner or any third party to whom you or any other Authorized Person has given access. The Credit Union may require you to execute
a separate form of consent and indemnification as a condition of providing access.
The following limitations on Online Bill Payer transactions may apply:
- There is no limit on the number of bill payments per day.
- Payments are limited to the available funds in your account with a total aggregate of $9,999.00 per day.
- Payments to billers outside of the United States or its territories are prohibited through the service.
i. Terms and Conditions for Services. Your use of EFT services is subject to the Terms and Conditions for each service. Links to
the Terms and Conditions for the respective EFT services appear when you log on to the service. If you do not agree to the Terms and
Conditions, log out of the service without making a transaction or using the service. You may contact the Credit Union to turn off the
service.
2. TRANSFER LIMITATIONS — For all share, special share and money manager accounts, you may make no more than six (6)
transfers and withdrawals from your account to another account of yours or to a third party in any month by means of a preauthorized,
automatic, or Internet transfer, by telephonic order or instruction, or by check, draft, debit card or similar order. If you exceed these
limitations, your account may be subject to a fee or be closed.
4. FEES AND CHARGES — There are certain fees and charges for EFT services. For a current listing of all applicable fees, see our
current Schedule of Fees and Charges that was provided to you at the time you applied for or requested these electronic services.
From time to time, the charges may be changed. We will notify you of any changes as required by applicable law.
If you use an ATM not operated by us, you may be charged a fee by the ATM operator and by any international, national, regional, or
local network used in processing the transaction (and you may be charged a fee for a balance inquiry even if you do not complete a
funds transfer). The ATM surcharge will be debited from your account if you elect to complete the transaction or continue with the
balance inquiry.
5. MEMBER LIABILITY — You are responsible for all transactions you authorize using your EFT services under this Agreement. If
you permit someone else to use an EFT service, your card or your access code, you are responsible for any transactions they authorize
or conduct on any of your accounts. However, TELL US AT ONCE if you believe your card and/or access code has been lost or stolen,
or if you believe someone has used your card or access code or otherwise accessed your accounts without your permission, or if you
believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the
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best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of
credit).
You are not liable for an unauthorized MasterCard debit card transaction if you can demonstrate that you have exercised reasonable
care in protecting your card or access code from loss or theft and, upon discovering the loss or theft, you promptly report the loss or
theft to us.
For all other EFT transactions involving access devices, your liability for unauthorized transactions is determined as follows. If you tell
us within two (2) business days after you learn of the loss or theft of your card or access code, you can lose no more than $50.00 if
someone used your card or access code 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 access code and we can prove that we could have stopped someone from using your card or access
code 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 including those made by card, access code or other means, 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 lost after the 60
days if we can prove that we could have stopped someone from making the transfers if you had told us in time. If a good reason (such
as a hospital stay) kept you from telling us, we will extend the time periods.
If you believe your card or access code has been lost or stolen or that someone has transferred or may transfer money from your
accounts without your permission, call:
During Credit Union Hours
(808) 930-1400 - Island of Hawaii
(800) 216-2666 (Toll Free) – Neighbor Islands & Continental U.S.A.
If the ATM was not working properly and you knew about the problem when you started the transaction.
If circumstances beyond our control (such as fire, flood, or power failure) prevent the transaction.
If the money in your account is subject to legal process or other claim.
If funds in your account are pledged as collateral or frozen because of a delinquent loan.
If the error was caused by a system of any participating ATM network.
If the electronic transfer is not completed as a result of your willful or negligent use of your card, access code, or any EFT facility
for making such transfers.
- If the telephone or computer equipment you use to conduct audio response, online/PC, or mobile banking transactions is not
working properly and you know or should have known about the breakdown when you started the transaction.
- If you have bill payment services, we can only confirm the amount, the participating merchant, and date of the bill payment transfer
made by the Credit Union. For any other error or question you have involving the billing statement of the participating merchant,
you must contact the merchant directly. We are not responsible for investigating such errors.
- Any other exceptions as established by the Credit Union.
10. NOTICES —
a. General. All notices from us will be effective when we have mailed them or delivered them to your last known address in the
Credit Union's records. If you have consented to receiving notices electronically, notice to you also will be effective when we notify you
in accordance with that agreement. Notices from you will be effective when received by the Credit Union at the address specified in the
EFT Agreement and we have sufficient time to act upon it. We reserve the right to change the terms and conditions upon which this
service is offered. We will mail notice to you at least 21 days before the effective date of any change. Use of this service is subject to
existing regulations governing the Credit Union account and any future changes to those regulations.
or write to:
b. How to Reach Us Quickly. We may not immediately receive and review e-mail messages that we receive. We will not take
action based on e-mail requests until a Credit Union employee actually reviews the message and has a reasonable opportunity to act. If
your request requires immediate attention, you may notify us at (808) 930-1400 for the Island of Hawaii, (800) 216-2666 for Neighbor
Islands and Continental USA, or write to us at: HFS Federal Credit Union, 632 Kinoole Street, Hilo HI 96720-3894, or visit any of our
branch offices.
Attn: Transaction Services
632 Kinoole Street
Hilo, HI 96720-3894
c. Protect your Information. Please do not provide confidential information in your e-mail. We will never contact you by e-mail,
telephone, mail or other type of correspondence and request your user ID, password, passcode, personal identification number (PIN) or
other access code. If you are contacted by anyone asking for your user ID, password, passcode, PIN or other access code, you should
refuse and immediately contact us. You may be the target of identity theft.
After Hours and Holidays
(800) 523-4175 (Toll Free) – STAR
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You should also call the number or write to the address listed above if you believe a transfer has been made using the information from
your check without your permission.
6.
RIGHT TO RECEIVE DOCUMENTATION —
a. Periodic Statements. Transfers and withdrawals made through any ATM or POS terminal, debit card transactions, audio response
transactions, preauthorized EFTs, online/PC transactions, mobile access device transactions or bill payments you make will be
recorded on your periodic statement. You will receive a statement monthly unless there is no transaction in a particular month. In any
case, you will receive a statement at least quarterly.
b. Terminal Receipt. You can get a receipt at the time you make any transaction (except inquiries) involving your account using an
ATM and/or point-of-sale (POS) terminal.
c. Direct Deposit. If you have arranged to have a direct deposit made to your account at least once every 60 days from the same
source and you do not receive a receipt (such as a pay stub), you can find out whether or not the deposit has been made by calling
(808) 930-1400 or (800) 216-2666. This does not apply to transactions occurring outside the United States.
7. ACCOUNT INFORMATION DISCLOSURE — We will disclose information to third parties about your account or the transfers you
make:
- As necessary to complete transfers;
- To verify the existence of sufficient funds to cover specific transactions upon the request of a third party, such as a credit bureau or
merchant;
- If your account is eligible for emergency cash and/or emergency card replacement services and you request such services, you
agree that we may provide personal information about you and your account that is necessary to provide you with the requested
service(s);
- To comply with government agency or court orders; or
- If you give us your written permission.
8.
BUSINESS DAYS — Our business days are Monday through Friday, excluding holidays.
9. CREDIT UNION LIABILITY FOR FAILURE TO MAKE TRANSFERS — 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 may be liable for your losses or damages. However, we will
not be liable for direct or consequential damages in the following events:
- If, through no fault of ours, there is not enough money in your accounts to complete the transaction, if any funds in your accounts
necessary to complete the transaction are held as uncollected funds pursuant to our Funds Availability Policy Disclosure, or if the
transaction involves a loan request exceeding your credit limit.
- If you used your card or access code in an incorrect manner.
- If the ATM where you are making the transfer does not have enough cash.
d. Notify Us of Any Change in Your Information. You agree to notify us of any change in your current contact information including
your e-mail address, post office address, physical address and phone number, by visiting any of our branch offices, calling us at (808)
930-1400 for the Island of Hawaii, (800) 216-2666 for Neighbor Islands and Continental USA, sending us an e-mail at
hfs_operations@hfsfcu.org or by writing to us at: HFS Federal Credit Union, 632 Kinoole Street, Hilo HI 96720-3894. You may update
your e-mail address at any time by logging onto online banking and under “ACCESS ACCOUNTS” click on “E-MAIL NOTIFICATION”,
on the right of the screen, enter in your "NEW EMAIL" and "CONFIRM EMAIL" then "SUBMIT". If you need information on how to
update your e-mail address, request a paper copy or any other questions, please contact us during regular business hours.
e. ATM and Night Deposit Safety. The following information is a list of safety precautions regarding the use of ATMs and night
deposit facilities:
-
Be aware of your surroundings, particularly at night.
Consider having someone accompany you when the ATM or night deposit facility is used after dark.
Close the entry door of any ATM facility equipped with a door.
If another person is uncomfortably close to you at the time of your transaction, ask the person to step back before you complete
your transaction. If it is after the regular hours of the financial institution and you are using an ATM, do not permit entrance to any
person you do not know.
Refrain from displaying your cash at the ATM or night deposit facility. As soon as your transaction is completed, place your money
in your purse or wallet. Count the cash later in the safety of your car or home.
If you notice anything suspicious at the ATM or night deposit facility, consider using another ATM or night deposit facility or coming
back later. If you are in the middle of a transaction and you notice something suspicious, cancel the transaction, take your card or
deposit envelope, and leave.
If you are followed after making a transaction, go to the nearest public area where people are located.
Do not write your personal identification number (PIN) or access code on your ATM card.
Report all crimes to law enforcement officials immediately. If emergency assistance is needed, call the police from the nearest
available public telephone.
11. BILLING ERRORS — In case of errors or questions about electronic fund transfers from your share and share draft accounts or if
you need more information about a transfer on the statement or receipt, telephone us at the following number or send us a written
notice to the following address as soon as you can. We must hear from you no later than 60 days after we sent the FIRST statement on
which the problem appears. Call us at:
During Credit Union Hours
(808) 930-1400 - Island of Hawaii
(800) 216-2666 (Toll Free) – Neighbor Islands & Continental U.S.A.
38
or write to:
Attn: Transaction Services
632 Kinoole Street
Hilo, HI 96720-3894
- Tell us your name and account number.
- Describe the electronic transfer you are unsure about and explain, as clearly as you can, why you believe the Credit Union has
made an error or why you need more information.
- Tell us the dollar amount of the suspected error.
If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days.
We will determine whether an error has occurred 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 45** days to investigate your complaint or question. If we decide to do this,
we will credit your account within ten (10)* business days for the amount you think is in error so that you will have the 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 (10) business days, we may not credit your account.
We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will
send you a written explanation. You may ask for copies of the documents that we used in our investigation.
* If you give notice of an error within 30 days after you make the first deposit to your account, we will have 20 business days instead of
ten (10) business days to investigate the error.
** If you give notice of an error within 30 days after you make the first deposit to your account, notice of an error involving a point-ofsale (POS) transaction, or notice of an error involving a transaction initiated outside the U.S., its possessions and territories, we will
have 90 days instead of 45 days to investigate the error.
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12. TERMINATION OF EFT SERVICES — You may terminate this Agreement or any EFT service under this Agreement at any time
by notifying us in writing and stopping your use of your card and any access code. You must return all cards to the Credit Union. You
also agree to notify any participating merchants that authority to make bill payment transfers has been revoked. We may also terminate
this Agreement at any time by notifying you orally or in writing. If we terminate this Agreement, we may notify any participating
merchants making preauthorized debits or credits to any of your accounts that this Agreement has been terminated and that we will not
accept any further preauthorized transaction instructions. We may also program our computer not to accept your card or access code
for any EFT service. Whether you or the Credit Union terminates this Agreement, the termination shall not affect your obligations under
this Agreement for any electronic transactions made prior to termination.
13. GOVERNING LAW — This Agreement is governed by the bylaws of the Credit Union, federal laws and regulations, the laws and
regulations of the State of Hawaii, and local clearinghouse rules, as amended from time to time. Any disputes regarding this Agreement
shall be subject to the jurisdiction of the court of the county in which the Credit Union is located.
14. ENFORCEMENT — You are liable to us for any losses, costs or expenses we incur resulting from your failure to follow this
Agreement. You authorize us to deduct any such losses, costs or expenses from your account without prior notice to you. If we bring a
legal action to collect any amount due under or to enforce this Agreement, we shall be entitled, subject to applicable law, to payment of
reasonable attorney’s fees and costs, including fees on any appeal, bankruptcy proceedings, and any postjudgment collection actions.
15. APPLICABILITY – This agreement covers accounts established for consumer purposes. This agreement does not cover accounts
established for business purposes.
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632 Kinoole Street
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HFS FEDERAL CREDIT UNION
OVERDRAFT PROTECTION PARTICIPATION FORM
PAYMENT OF OVERDRAFTS
If, on any day, the available funds in your share or deposit account are not sufficient to pay the full amount of a check,
draft, transaction, or other item posted to your account plus any applicable fee ("overdraft"), we may pay or return the
overdraft. We do not have to notify you if your account does not have sufficient available funds to pay an overdraft.
Your account may be subject to a charge for each overdraft regardless of whether we pay or return the overdraft. Except
as otherwise agreed in writing, if we exercise our right to use our discretion to pay an overdraft, we do not agree to pay
overdrafts in the future and may discontinue covering overdrafts at any time without notice. If we pay an overdraft or
impose a fee that overdraws your account, you agree to pay the overdrawn amount in accordance with your overdraft
protection plan or, if you do not have such a plan with us, in accordance with our overdraft payment policy.
OVERDRAFT PROTECTION PARTICIPATION
OPT-OUT
I do not want HFS Federal Credit Union to authorize and pay overdrafts on my account.
REINSTATE COVERAGE
49
I would like HFS Federal Credit Union to reinstate overdraft protection for my account.
MEMBER NAME
ACCOUNT NUMBER
SIGNATURE
DATE
50
SYSTEM UPDATED BY:
FOR CREDIT UNION USE ONLY
OPT-OUT BY CREDIT UNION EMPLOYEE
REASON
EMPLOYEE SIGNATURE
DATE
STAFF APPROVAL BY
DATE
For Staff Use:
Were the program benefits explained to the member?
Was the member informed that this is a discretionary service?
The member should be advised that without some form of overdraft protection (transfer from shares, lines of credit,
standard overdraft program) any items presented for payment that do not have sufficient funds will be returned unpaid
and charged a fee.
REV SEP2014
51
.
.
52
632 Kinoole Street
53
54
NOTES
55

to HFS Federal Credit Union

Transcription

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