Home  |  Branch Locations  |  ATM Locations  |  Contact  |     
California Community Credit Union
Become a Member  Become a Fan! 

Electronic Fund Tranfers

ELECTRONIC FUND TRANSFERS
YOUR RIGHTS AND RESPONSIBILITIES

Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account. Please read this disclosure carefully
because it tells you your rights and obligations for the transactions listed. You should keep this notice for future reference.
Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and the third party’s
account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House
(ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a
check or draft to an electronic fund transfer or to electronically pay a returned check or draft charge can occur when a merchant provides you with notice and you go forward
with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third party transfers will require you to
provide the third party with your account number and credit union information. This information can be found on your check or draft as well as on a deposit or withdrawal slip.
Thus, you should only provide your credit union and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you
have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to:
• Preauthorized credits. You may make arrangements for certain direct deposits to be accepted into your share draft or share savings account(s).
• Preauthorized payments. You may make arrangements to pay certain recurring bills from your share draft or share savings account(s).
• Electronic check or draft conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking or share draft
account using information from your check or draft to pay for purchases or pay bills.
• Electronic returned check or draft charge. You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a
check or draft is returned for insufficient funds.
P.E.T. Telephone Transfers - types of transfers - You may access your account by telephone 24 hours a day, seven days a week, using your personal identification
number and account numbers, to:
• transfer funds from share draft to share draft
• transfer funds from share draft to share savings
• transfer funds from share savings to share draft
• transfer funds from share savings to share savings
• make payments from share draft to loan accounts with us
• make payments from share savings to loan accounts with us
• get information about:
- the account balance of share draft accounts
- the account balance of share savings accounts
- the account balance of loan accounts.
ATM Transfers - types of transfers and dollar limitations - You may access your account(s) by ATM using your ATM card and personal identification number or debit card
and personal identification number, to:
• make deposits to share draft account(s) with an ATM card
• make deposits to share draft account(s) with a debit card
• make deposits to share savings account(s) with an ATM card
• make deposits to share savings account(s) with a debit card
• get cash withdrawals from share draft account(s) with an ATM card
- you may withdraw no more than $100.00 per day (higher limits may be agreed upon at account opening)
• get cash withdrawals from share draft account(s) with a debit card
- you may withdraw no more than $100.00 per day (higher limits may be agreed upon at account opening)
• get cash withdrawals from share savings account(s) with an ATM card
- you may withdraw no more than $100.00 per day (higher limits may be agreed upon at account opening)
• get cash withdrawals from share savings account(s) with a debit card
- you may withdraw no more than $100.00 per day (higher limits may be agreed upon at account opening)
• transfer funds from share savings to share draft account(s) with an ATM card
• transfer funds from share savings to share draft account(s) with a debit card
• transfer funds from share draft to share savings account(s) with an ATM card
• transfer funds from share draft to share savings account(s) with a debit card
• get information about:
- the account balance of your share draft accounts
• with an ATM card
• with a debit card
- the account balance of your share savings accounts
• with an ATM card
• with a debit card
Some of these services may not be available at all terminals.
Types of Debit Card Transactions - You may access your share draft account(s) to purchase goods (in person or by phone), pay for services (in person or by phone), get
cash from a merchant, if the merchant permits, or from participating financial institution, and do anything that a participating merchant will accept.
Debit Card Transactions - dollar limitations - Using your card:
• you may not exceed $100.00 in transactions per day (higher limits may be agreed upon at account opening)
Currency Conversion and International Transactions. When you use your Visa®-branded debit card at a merchant that settles in currency other than US dollars, the
charge will be converted into the US dollar amount. The currency conversion rate used to determine the transaction amount in US dollars is either a rate selected by Visa from
the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or the
government-mandated rate in effect for the applicable central processing date. The conversion rate in effect on the processing date may differ from the rate in effect on the
transaction date or posting date.
Visa USA charges us a .8% International Service Assessment on all international transactions, regardless of whether there is a currency conversion. If there is a currency
conversion, the International Service Assessment is 1% of the transaction. In either case, we pass this international transaction fee on to you. An international transaction is a
transaction where the country of the merchant is outside the USA.
Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online
merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located.
Non-Visa Debit Transaction Processing. We have enabled non-Visa debit transaction processing. This means you may use your Visa-branded debit card on a PIN-Debit
Network* (a non-Visa network) without using a PIN.
The non-Visa debit network(s) for which such transactions are enabled are: STAR, PLUS, and CO-OP Networks.
Examples of the types of actions that you may be required to make to initiate a Visa transaction on your Visa-branded debit card include signing a receipt, providing a card
number over the phone or via the Internet, or swiping the card through a point-of-sale terminal.
Examples of the types of actions you may be required to make to initiate a transaction on a PIN-Debit Network include initiating a payment directly with the biller (possibly via
telephone, Internet, or kiosk locations), responding to a logo displayed at a payment site and choosing to direct payment through that network, and having your identity verified
using known information derived from an existing relationship with you instead of through use of a PIN.
The provisions of your agreement with us relating only to Visa transactions are not applicable to non-Visa transactions. For example, the additional limits on liability
(sometimes referred to as Visa's zero-liability program) and the streamlined error resolution procedures offered on Visa debit card transactions are not applicable to
transactions processed on a PIN-Debit Network.
*Visa Rules generally define PIN-Debit Network as a non-Visa debit network that typically authenticates transactions by use of a personal identification number (PIN) but that
is not generally known for having a card program.
Home Banking Computer Transfers - types of transfers - You may access your account(s) by computer using your personal identification number, account numbers, and
software, to:
• transfer funds from share draft to share draft
• transfer funds from share draft to share savings
• transfer funds from share savings to share draft
• transfer funds from share savings to share savings
• make payments from share draft to loan accounts with us
• make payments from share savings to loan accounts with us
• make payments from share draft to third parties (Bill Payment feature)
• get information about:
- the account balance of share draft accounts
- the account balance of share savings accounts
- the account balance of loan accounts.
FEES
• We do not charge for direct deposits to any type of account.
• We do not charge for preauthorized payments from any type of account.
Except as indicated elsewhere, we do not charge for these electronic fund transfers.
Please refer to our separate fee schedule for additional information about charges.
ATM Operator/Network Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee
for a balance inquiry even if you do not complete a fund transfer).
DOCUMENTATION
• Terminal transfers. You can get a receipt at the time you make a transfer to or from your account using an automated teller machine or point-of-sale terminal.
However, you may not get a receipt if the amount of the transfer is $15 or less.
• Preauthorized credits. If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, you can call
us at (916) 386-1418 to find out whether or not the deposit has been made.
• Periodic statements.
You will get a monthly account statement from us for your share draft accounts.
You will get a monthly account statement from us for your share savings accounts, unless there are no transfers in a particular month. In any case, you will get a
statement at least quarterly.
PREAUTHORIZED PAYMENTS
• Right to stop payment and procedure for doing so. If you have told us in advance to make regular payments out of your account, you can stop any of these
payments. Here is how:
Call or write us at the telephone number or address listed in this brochure in time for us to receive your request 3 business days or more before the payment is
scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call.
Please refer to our separate fee schedule for the amount we will charge you for each stop-payment order you give.
• Notice of varying amounts. If these regular payments may vary in amount, the person you are going to pay will tell you, 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 transfer. If you order us to stop one of these payments 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.
FINANCIAL INSTITUTION’S LIABILITY
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
will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:
(1) If, through no fault of ours, you do not have enough money in your account to make the transfer.
(2) If you have an overdraft line and the transfer would go over the credit limit.
(3) If the automated teller machine where you are making the transfer does not have enough cash.
(4) If the terminal or system was not working properly and you knew about the breakdown when you started the transfer.
(5) If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
(6) There may be other exceptions stated in our agreement with you.
CONFIDENTIALITY
We will disclose information to third parties about your account or the transfers you make:
(1) where it is necessary for completing transfers; or
(2) in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or
(3) in order to comply with government agency or court orders; or
(4) as explained in the Privacy Disclosure contained elsewhere in this document.
UNAUTHORIZED TRANSFERS
(a) Consumer liability.
• Generally. Tell us at once if you believe your card and/or code has been lost or stolen, or if you believe that an electronic fund transfer has been made without your
permission using information from your check or draft. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus
your maximum overdraft line of credit). If you believe your card and/or code has been lost or stolen, and you tell us within 2 business days after you learn of the loss or theft of
your card and/or code you can lose no more than $50 if someone used your card and/or code without your permission. Also, if you do NOT tell us within 2 business days after
you learn of the loss or theft of your card and/or code, and we can prove we could have stopped someone from using your card and/or code without your permission if you
had told us, you could lose as much as $500.
Also, if your statement shows transfers made by card, code or other means that you did not make, tell us at once. If you do not tell us within 60 days after the statement
was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us
in time.
If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.
• Limited Liability for Visa-branded debit card. Your liability is further limited if your card can be used to initiate a transaction for which you are not required to provide
identifying information, such as a Personal Identification Number. You could lose all the money in your account. Your liability for the unauthorized use of your card will be no
more than $50 if you notify us of the unauthorized use.
In addition, when used in point-of-sale transactions, and unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized
transactions if your card is lost or stolen. This limit on liability does not apply to ATM transactions or to transactions using your PIN which are not processed by VISA®.
If you fail to notify us of an unauthorized use that appears on a periodic statement within 60 days of our transmittal of the statement, and we can establish that we could
have prevented the unauthorized use if you had notified us within this period, you will be liable for each unauthorized transfer (other than VISA® point-of-sale transactions)
that occurs after the close of the 60 days and before you give us notice.
If you fail to notify us because of extenuating circumstances beyond your control that contributed to your delay in notifying us, such as a serious physical impairment or
hospitalization, this time period may be extended.
(b) Contact in event of unauthorized transfer. If you believe your card and/or code has been lost or stolen, call or write us at the telephone number or address listed in
this brochure. You should also call the number or write to the address listed in this brochure if you believe a transfer has been made using the information from your check or
draft without your permission.
ERROR RESOLUTION NOTICE
In Case of Errors or Questions About Your Electronic Transfers, Call or Write us at the telephone number or address listed in this brochure, as soon as you can, if you
think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after
we sent the FIRST statement on which the problem or error appeared.
(1) Tell us your name and account number (if any).
(2) Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
(3) 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 10 business days.
We will determine whether an error occurred within 10 business days (5 business days for Visa-branded debit card point-of-sale transactions processed by Visa and 20
business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days
(90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we
will credit your account within 10 business days (5 business days for Visa-branded debit card point-of-sale transactions processed by Visa and 20 business days if the transfer
involved a new account) 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 10 business days, we may not credit your account. Your account is considered a new account for
the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened.
We will tell you the results within three 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.
CALIFORNIA COMMUNITY CREDIT UNION
8815 FOLSOM BLVD.
SACRAMENTO, CALIFORNIA 95826
Business Days: Monday through Friday
Excluding Federal Holidays
Phone: (916) 386-1418
MORE DETAILED INFORMATION IS AVAILABLE
ON REQUEST
NOTICE OF ATM/NIGHT DEPOSIT
FACILITY USER PRECAUTIONS
As with all financial transactions, please exercise discretion when using an automated teller machine (ATM) or night deposit facility. For your own safety, be careful. The
following suggestions may be helpful.
1. Prepare for your transactions at home (for instance, by filling out a deposit slip) to minimize your time at the ATM or night deposit facility.
2. Mark each transaction in your account record, but not while at the ATM or night deposit facility. Always save your ATM receipts. Don’t leave them at the ATM or night
deposit facility because they may contain important account information.
3. Compare your records with the account statements you receive.
4. Don’t lend your ATM card to anyone.
5. Remember, do not leave your card at the ATM. Do not leave any documents at a night deposit facility.
6. Protect the secrecy of your Personal Identification Number (PIN). Protect your ATM card as though it were cash. Don’t tell anyone your PIN. Don’t give anyone
information regarding your ATM card or PIN over the telephone. Never enter your PIN in any ATM that does not look genuine, has been modified, has a suspicious
device attached, or is operating in a suspicious manner. Don’t write your PIN where it can be discovered. For example, don’t keep a note of your PIN in your wallet or
purse.
7. Prevent others from seeing you enter your PIN by using your body to shield their view.
8. If you lose your ATM card or if it is stolen, promptly notify us. You should consult the other disclosures you have received about electronic fund transfers for additional
information about what to do if your card is lost or stolen.
9. When you make a transaction, be aware of your surroundings. Look out for suspicious activity near the ATM or night deposit facility, particularly if it is after sunset. At
night, be sure that the facility (including the parking area and walkways) is well lighted. Consider having someone accompany you when you use the facility, especially
after sunset. If you observe any problem, go to another ATM or night deposit facility.
10. Don’t accept assistance from anyone you don’t know when using an ATM or night deposit facility.
11. If you notice anything suspicious or if any other problem arises after you have begun an ATM transaction, you may want to cancel the transaction, pocket your card
and leave. You might consider using another ATM or coming back later.
12. Don’t display your cash; pocket it as soon as the ATM transaction is completed and count the cash later when you are in the safety of your own car, home, or other
secure surrounding.
13. At a drive-up facility, make sure all the car doors are locked and all of the windows are rolled up, except the driver’s window. Keep the engine running and remain alert
to your surroundings.
14. We want the ATM and night deposit facility to be safe and convenient for you. Therefore, please tell us if you know of any problem with a facility. For instance, let us
know if a light is not working or there is any damage to a facility. Please report any suspicious activity or crimes to both the operator of the facility and the local law
enforcement officials immediately.