SDCCU
®
CASH CARD TERMS AND CONDITIONS
These are the terms and conditions that govern the use of your
SDCCU Cash Card. By accepting, using or allowing anyone else
to use your SDCCU Cash Card, you are agreeing that you have
asked, orally or in writing, that (a) a SDCCU Cash Card be issued
to you; or (b) a renewal or substitute SDCCU Cash Card be
issued to you. By taking any of the actions listed in the preceding
sentence, you agree to these terms and conditions and agree to
be bound by them. You may only use your SDCCU Cash Card in
the manner and for the purposes described in these terms and
conditions. You should retain a copy of these terms and
conditions. Your card may not be used for illegal purposes or
transactions.
Please sign and activate your card immediately upon receipt.
See section 2 (Activating Your Card) below for activation details.
1. Definitions
“SDCCU Cash Card Account” – means an account directly or
indirectly established by a consumer to which monies may be
deposited and then used at an ATM or Point-of-Sale terminal.
“ATM” – means an Automated Teller Machine.
“Card” or “SDCCU Cash Card” – the Card issued to you by
SDCCU which is used to access funds via an ATM or point of sale
terminal.
“PIN” – means a Personal Identification Number which is originally
assigned by SDCCU and then changed by you to a number of
your choosing. Your PIN is used to access ATMs for cash and
balance inquiries.
“Point-of-Sale (POS)” – means an electronic transaction at a
terminal that displays the Visa® debit brand mark at a merchant
location at which you may use your Card to pay for purchases in
an amount that does not exceed the funds in your account.
“You”, “your” and “yours” means the person who has been issued
the SDCCU Cash Card.
“We”, “us”, “our” and “ours” means ATIRAreload, San Diego
County Credit Union, its successors, affiliates or assigns.
2. Activating Your Card
You cannot use the Card until you have activated it by calling the
customer service number on the back of your Card or going online
to sdccu.com/prepaid. After you have registered your Card, you
may obtain your Card’s available balance and obtain a transaction
history 24 hours a day, seven days a week at sdccu.com/prepaid
or by calling the customer service number on the back of your
Card. If you do not want to use the Card, please destroy the Card
by cutting it in half and then notifying us. We will send you a check
for your remaining balance on your account, less outstanding
transactions and fees.
3. Deposits and Loads to Your Account
Deposits to your account may only be made by you or us. You will
make deposits to your SDCCU Cash Card Account by going to
sdccu.com/prepaid or by visiting any SDCCU branch. We may
deposit funds to your account in the event we need to reverse an
error we have made. Once funds are deposited to your account,
they are available for use. The merchant may charge an additional
fee for this service. Any fee charged by the merchant on a
Readylink load is an independent fee assessed by the merchant.
4. Restrictions
The minimum initial Card value is $0.00. After you receive the
Card, the minimum Card value is $0.01 and the maximum Card
value is $20,000. Maximum of twelve (12) reloads in a 30-day
period; maximum load of $10,000 in a 30-day period; and,
maximum one-time load of $5,000.
5. Using Your Card
(a) Sufficient Funds. You must have sufficient, available funds in
your account to pay for all Card transactions. If the purchase
amount is greater than the available funds in your account, you
may, at the discretion of the merchant, pay the difference between
what is available in your account and the amount due to the
merchant using other means. If a merchant attempts to process
your SDCCU Cash Card for more than the available funds, the
transaction will be declined.
(b) Allowing Someone Else to Use Your Card. If you permit
someone else to use your Card, We will treat their use as if you
have used the Card and you will be responsible for any
transactions on your Card. When a transaction is made at a point-
of-sale terminal, an ATM, by mail order, by telephone order or any
other purchase transaction, the amount available in your account
will be reduced by the amount of the purchase.
(c) Secondary Cards. Up to six (6) secondary cards can be added
to the primary account. We will treat their use as if you have used
the Card and you will be responsible for any transactions on the
secondary Card. When a transaction is made at a point-of-sale
terminal, an ATM, by mail order, by telephone order or any other
purchase transaction, the amount available in your account will be
reduced by the amount of the purchase. All applicable fees will be
accrued on a secondary Card as with the primary Card.
Secondary cardholders are not allowed to order additional cards
for the account or add funds to the account.
(d) Transactions in Currencies other than the U.S. Dollar. When
you use your Card for a transaction denominated in a currency
other than U.S. Dollars, the transaction amount will be converted
into U.S. Dollars by applying an exchange rate selected by Visa.
The rate chosen may vary from the rate Visa itself receives. When
you use your Card in a transaction outside of the United States to
make a purchase, obtain a cash advance, obtain a credit voucher,
or reverse any of these transactions, the amount available in your
account will be reduced by a fee equal to a percentage of the
amount of the transaction (expressed as a positive number).
(e) Merchant Restrictions. Certain types of merchants, such as
gas stations (including pay-at-the-pump card readers),
restaurants, car rental agencies, and hotels may obtain an
authorization that exceeds the actual amount of your purchase. If
the amount of an authorization exceeds the amount of funds in
your account, the transactions may not be honored, even though
the amount of funds in your account is sufficient to pay for the
actual amount of your purchase. These same types of merchants
may also hold funds for a period of time until the transaction
clears.
(f) Disputes with Merchants. You agree to make a good faith effort
to settle all disputes about purchases you make using your Card
with the merchant that accepted the Card for a transaction.
(g) Pre-Authorized Transactions. You have the right to cancel a
pre-authorized payment from your account. In order to cancel the
payment, we must receive your verbal or written instructions at
least three (3) business days before the payment is scheduled to
be made. You can contact us by calling customer service at (855)
559-2663, (954) 377-4496 outside the U.S. or writing to us at PO
Box 550160, Ft. Lauderdale, FL 33355-0578. If we receive a
verbal request for cancellation, we may ask you to provide us with
a copy of your written notice to the payee or originator revoking
your payment. Documentation must be received within fourteen
(14) business days from the receipt of notice. If we do not receive
the copy within that time period, we may continue to honor any
subsequent debits to your account submitted by the
payee/originator. In the event that pre-authorized payments put
your account into a negative balance, we reserve the right to close
your account immediately and pursue actions required to collect
on these balances.
6. Statements and Balance Inquiries
Only posted transaction information will be available to you. Such
information is available in the following ways:
(a) Periodic Statements. You can access periodic statements by
visiting sdccu.com/prepaid. This statement will detail all of your
SDCCU Cash Card transactions.
(b) Internet Inquiries. You may access your SDCCU Cash Card
Account at sdccu.com/prepaid. On this website you may obtain
account balance information, transaction history, make address
changes and review up to the last sixty (60) days of transactions
at no cost. Online services may be subject to change.
(c) Your Written Request. You may also obtain at least sixty (60)
days of transaction history (from the date we receive your written
request) if you write us at PO Box 550160, Ft Lauderdale, FL
33355-0578.
7. Errors or Questions, Lost or Stolen Cards, and Your Risk
of Loss
a) Errors or Questions. Notify us immediately at (855) 559-2663 or
(954) 377-4496 if outside the U.S., or write us at Cardholder
Services, PO Box 550160, Ft. Lauderdale, FL 33355-0578, if you
think an error has occurred on your SDCCU Cash Card. Errors
can be reported up until 60 days after whichever occurred earlier:
(1) the date you electronically accessed your account and viewed
the transaction in the electronic history; or (2) the date we sent the
written history on which the error appeared (monthly statement). If
notifying us, you will need to include: (1) your name; (2) card
number; (3) reason why you believe there is an error, including
the dollar amount; and (4) the approximate time period when the
error occurred. If you notify us of the error by phone, you may be
asked for additional details to be submitted in writing within ten
(10) business days.
A determination if an error occurred will be made within ten (10)
business days once we are notified and will promptly correct as
needed. If additional time is needed, we may take up to 45 days to
investigate your claim. As such, we will provide a provisional
credit to your card within ten (10) business days for the amount of
the claim of which you will have full use of during the investigation.
If a request for written details related to the claim is not received
from you within ten (10) business days, a provisional credit may
not be credited to the card. New cards may take up to 20 business
days to post provisional credit for the amount of the claim.
Errors involving new cards, foreign or PIN based transactions,
may take up to 90 days to investigate. We will communicate the
results of your claim within 3 business days after completing our
investigation, including if no error occurred.
Additional information regarding error resolution can be found by
calling the toll-free number on the back of the card, or visiting
www.sdccu.com.
b) Lost or Stolen. Notify us immediately if you believe your card
has been lost or stolen. This can be done by calling (855) 559-
2663, (954) 377-4496 if outside the U.S. or (877) 732-2848.
Contacting us immediately is the best way of reducing your
possible losses, including losing all the money on your card.
If you notify us within two (2) business days after you learn of the
loss or theft of your SDCCU Cash Card, you can lose no more
than $50. If we do not receive notification with two (2) business
days after you learn of the loss or theft of your SDCCU Cash
Card, and we can prove that use of your card could have been
prevented, your maximum loss is $500. If a good reason (such as
a long trip or hospital stay) prevented you from notifying us of the
possible error, we will extend the time period.
You agree to notify us immediately of the loss, theft or
unauthorized disclosure of any information that might be used to
access the card and its funds. If you believe that someone has
completed, or may complete, a value transfer without your
authorization, notify us immediately using the contact information
listed in the above section. You agree to cooperate reasonably
with SDCCU and our service provider during the claim
investigation, as well as assist in any prosecution of unauthorized
users of the card. Unauthorized use does not include use by a
merchant or user where you have given authority to use the card.
You will be liable for such uses.
c) Business Days. For purposes of these disclosures, our
business days are Monday through Friday, with the exception of
federal holidays.
8. Card Usage and Limitations
(a) Card Usage. Your SDCCU Cash Card is not a credit card. It is
a prepaid card that can be used at retail establishments which
have agreed to accept Visa debit cards. Purchases will be
deducted from the Card until the value reaches zero (0). The
value of all Cards is held in an aggregate account and therefore
no deposit insurance is provided.
You may use your Card at participating ATMs worldwide that
display the Visa brand mark to access your funds and request
information on your account balance (at select ATMs). To access
the funds in your account, you will need to enter your four-digit
PIN with your Card and follow all ATM instructions. You may also
use your Card to purchase goods and services at a point-of-sale
terminal at a participating merchant location that displays the Visa
debit brand mark. You may need to enter your PIN with your Card
and follow all procedures established by the merchant. Some
merchants may not permit you to make partial payments for your
purchase using your card with other forms of payment. The
amount of each accepted transaction will be deducted
immediately from your account. The ATM and point-of-sale
purchase receipts will indicate the amount of the transaction, but
will not include amounts previously withdrawn by you and any
fees, surcharges or other expenses incurred in connection with
transactions. If you do not have sufficient funds available, your
requested transaction will not be accepted.
(b) Card Usage Limitations. The ATM or POS network, ATM
owner, merchant or us may limit the dollar amount of cash
withdrawals or purchases from your account through the use of
your Card. The ATM network or owner may also charge a
surcharge fee for the ATM transaction, which is in addition to any
fees charged by us. As stated in your Fee Schedule, we will
charge applicable fees for each transaction and automatically
deduct them from your account. By using your Card, you agree
not to initiate a withdrawal or purchase transaction which will
exceed the available funds in your account. You authorize us to
verify the balance of your account prior to completing any
transaction. Should you happen to withdraw or use more funds
than are available in your account, we will deduct sufficient funds
when you make your next deposit/load.
There is a daily transaction limit for ATM withdrawals (some ATMs
may have a lower daily transaction limit than is allowed on this
card). Certain purchases where the final amount of the transaction
is unknown may require pre-authorization of the transaction. The
pre-authorized amount is determined by either adding a specified
amount to the actual transaction or by estimating the transaction
at a fixed amount. Such additions or fixed amounts may result in
your Card’s rejection despite sufficient funds to cover the actual
cost of the transaction. If the transaction is approved, the
authorized amount will be blocked on your Card until final
settlement is made with us, which usually occurs within three (3)
to five (5) business days.
(c) Charges and Fees. You agree to pay all fees associated with
your account, as set out in the SDCCU Cash Card Fee Schedule.
Fees will be deducted from your account as they arise. You may
incur additional fees such as those imposed by non-network
ATMs. Fees are subject to change. See SDCCU Cash Card Fee
Schedule for details.
(d) Confidentiality. We will disclose information to third parties
about your account or the transfers you make:(i) Where it is
necessary for completing transfers, or
(ii) In order to verify the existence and condition of your
account for a third party, such as a credit bureau or merchant,
or
(iii) In order to comply with government agency or court
orders, or
(iv) If you give us your written permission.
(e) Periodic Statements. As noted above, you can access periodic
statements by visiting sdccu.com/prepaid.
(f) Our Liability. If a transaction to or from your account is not
completed in a timely manner or in the correct amount and such
error directly and solely arose due to our acts or omissions, we
will be liable for your direct damages. In no event shall we be
liable for any special, indirect or incidental damages. The following
are examples, but in no way an exhaustive list, of instances where
we will not be liable because the error was not directly and solely
caused by us:
(i) If, through no fault of ours, you do not have enough money
in your account to make the transfer.
(ii) If the transfer would take the card balance into a negative
amount.
(iii) If the automated teller machine (ATM) where you are
making the transfer does not have enough cash.
(iv) If the terminal system was not working properly and you
knew about the breakdown when you started the transfer.
(v) If circumstances beyond our control (such as fire or flood)
prevent the transfer, despite reasonable precautions that we
have taken.
9. Claims by Third Parties
If any third parties make claims against the funds in your account
we may, without notice to you:
(a) Obey any order from a court concerning your account;
(b) Freeze the account pending resolution of the claim;
(c) Pay the funds in your account into a court of competent
jurisdiction for determination regarding the claim;
(d) Follow any applicable law regarding liens, garnishments or
other proceedings
If we take any of these actions, we are not responsible to you for
any such actions or for refusing to honor transactions by you that
may be affected by these actions.
10. Unusual Activity
If we detect activity on your account that is inconsistent with a
regular pattern of use on your account, for your protection, we
may freeze the funds in your account until we have verified with
you that the activity was authorized by you.
11. Transfer and Assignment
Your account and Card are not transferable or assignable for any
reason without written authorization from us. We may assign
ownership of the Card and/or our obligations under these Terms
and Conditions at any time without consent or notice to you.
12. Termination
The Card is our property at all times. We may, at any time and
without prior notice to you, cancel your Card and require you to
return it to us. Termination of the Card will not affect prior
transactions or obligations existing at the time of termination.
Upon termination, we will send you a check for your remaining
balance on your account, less outstanding transactions and fees.
It may take six (6) to eight (8) weeks for you to receive this check.
(a) Card Life Cycle. We may close your account without your
consent if the following conditions are met:
• has a zero balance, and
• has had no activity (usage or value loads) for a period of 90
(ninety) days
13. Modification of these Terms and Conditions
We may modify, change or amend the Terms and Conditions
applicable to your Card at any time and will provide you with a
written copy of any modifications, changes or amendments.
14. Governing Law and Severability
These Terms and Conditions, the SDCCU Cash Card and all
transactions and issues related to the SDCCU Cash Card are
subject to the laws of the state in which our main office is located,
the laws of the United States and Visa rules and regulations. If
any part of these Terms and Conditions is determined to be
invalid or unenforceable, such a determination will not affect the
validity and enforceability of the remaining Terms and Conditions.
15. Arbitration
Any controversy or claim arising out of, or relating to, these Terms
and Conditions, your use of the Card or our provision of services
related to the Card shall be settled by binding arbitration in
accordance with the commercial arbitration rules of the American
Arbitration Association. Any such controversy or claim shall be
arbitrated on an individual basis and shall not be consolidated in
any arbitration with any other claim or controversy. The arbitration
shall be conducted in the state in which our main office is located,
and the binding determination of the arbitrator shall be entered
and enforceable in any relevant court.
16. Limitation of Liability
Our liability is limited to that which is expressly set forth in these
Terms and Conditions.
SBTMGINS39 710448 04/2018
Copyright © The Members Group, Inc. ATIRA® is a registered service mark and
ATIRAreloadSM is a service mark of The Members Group, Inc.
ATIRA is not affiliated with SDCCU.