TwinStar Credit Union 

Classic VISA Credit Card 
Account Disclosures 

INTEREST RATES AND INTEREST CHARGES 

Annual Percentage Rate (APR) 
for Purchases 

APR for Balance Transfers 

APR for Cash Advances 

Penalty APR 

Paying Interest  

For Credit Card Tips from the 
Federal Reserve Board 

1.9% for introductory period of 6 months. 
After that, your APR will be 11.0%. This APR will vary with the 
market based on the Prime Rate. 

  8.0% 
This APR will vary with the market based on the Prime Rate. 

14.0%  
This APR will vary with the market based on the Prime Rate. 

18.0% This APR may be applied when any payment you make is 
more than 60 days late. 
How long will the Penalty apply?  If your APR is increased for this 
reason, the Penalty APR will apply until you make six consecutive 
minimum payments when due. 

You  will  have  21  days  after  the  close  of  each  billing  cycle  to  pay 
your  purchase  balance  in  full  and  not  be  charged  interest.  An 
interest  charge  will  be  imposed  on  the  portion  of  purchases 
included in the new balance that remains unpaid 21 days after the 
close of each billing cycle. 

To learn more about factors to consider when applying for or using 
a  credit  card,  visit  the  website  of  the  Federal  Reserve  Board  at 
http://www.federalreserve.gov/creditcard. 

Annual Fee 

Transaction Fees 

FEES 

None 

  Foreign Transaction Fee 

Up  to  2%  of  the  US  dollar  amount  of  the  foreign  transaction  or 
$2.50 whichever is greater. 

Penalty Fees 

  Late Payment Fee 

  Returned Check Fee 

  Card Replacement Fee 

$20 
$25 
$5 

Loan Protection 

OTHER FEATURES 

If you elect to obtain the optional loan protection coverage and pay 
the  monthly  protection  fees,  we  will  cancel  your  payments  and 
outstanding  balance  if  you  die,  become  disabled  or  become 
involuntarily unemployed. 

How We Will Calculate Your Balance: We use a method called “average daily balance” (including new 
purchases).  
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is 
provided in your Credit Card Account Agreement 

These  Account  Disclosures  for  the  VISA  Credit  Card  are  part  of  and  integrated  with  your  VISA  Credit  Card 
Agreement with TwinStar Credit Union. We reserve the right to amend the VISA Credit Card Agreement as permitted 
by law. The above rates and fees are effective as of    

 
 
 
 
 
TWINSTAR CREDIT UNION 
PO BOX 718 
OLYMPIA WA  98507-0718 

(360) 357-9911 

Name:                                                              Account Number:                           Date:     

VISA Credit/Debit Card Agreement-Acknowledgment 

Agreement – Acknowledgement 
By signing below, I/we acknowledge receipt of and agree to the terms and conditions of the VISA 
Credit/Check Card Agreement and Disclosures applicable to the Card program. 
I/We grant the Credit Union a security interest in all of my/our share accounts, now and in the 
future, to secure my/our obligations under the Agreement. 

X___________________________   ___________    X___________________________   ___________ 
   Primary Borrower                                     Date            Joint Borrower                                         Date 

Authorized User 

You may name other persons to be authorized users of this plan by naming them below. 

___________________________          X___________________________ 
 Name                                                          Authorized User 

___________________________          X___________________________ 
 Name                                                          Authorized User 

Credit Limit $ ______________      

Credit Union Use Only 

DRG: VISA.AGREE                                       Credit Union Copy                                      Revision Date:  

 11/15/2012

 
 
 
 
 
 
                                                                                                                                             
 
      
 
 
 
                                                                   
 
                                                                  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
TWINSTAR CREDIT UNION 

PO BOX 718 
OLYMPIA WA  98507-0718 

(360) 357-9911 

Name:                                                              Account Number:                           Date:     

VISA Credit/Check Card Agreement – Acknowledgment 

Agreement – Acknowledgement 
By signing below, I/we acknowledge receipt of and agree to the terms and conditions of the VISA 
Credit/Check Card Agreement and Disclosures applicable to the Card program. 
I/We grant the Credit Union a security interest in all of my/our share accounts, now and in the 
future, to secure my/our obligations under the Agreement. 

X___________________________   ___________    X___________________________   ___________ 
   Primary Borrower                                  Date               Joint Borrower                                         Date 

Authorized User 

You may name other persons to be authorized users of this plan by naming them below. 

___________________________          X___________________________ 
 Name                                                          Authorized User 

___________________________          X___________________________ 
 Name                                                          Authorized User 

Member Copy 

Credit Limit $ ______________      

 
 
 
 
 
                                                                                                                                           
 
      
 
 
 
                                                                   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
TwinStar Credit Union 
PO Box 718 
OLYMPIA, WA 98507-0718 

(360) 357-9911 

VISA CREDIT/CHECK CARD AGREEMENT 

This Agreement (“Agreement”) and the Account Disclosures accompanying this Agreement will govern your VISA Credit Card Account and VISA Check 
Card, issued by TwinStar Credit Union (“Lender”).  In this Agreement the words “you,” “your,” “yours,”  “applicant,” and “Borrowers” mean any person 
who signs the application for this Account, any joint obligor, guarantor, authorized user, or the person whose name is embossed on the Card.  The words 
“we,” “us,” “our,” and “Lender” mean TwinStar Credit Union.  The word “Card” means any one or more VISA Credit/Check cards (Classic, Platinum, 
Platinum Rewards and Secured) issued under this Agreement.  Electronic funds transfers (“EFT”) are electronically initiated transfers of money through 
automated teller machines (“ATMs”), Point of Sale (“POS”) terminals, and Check Card purchases involving your deposit accounts at the Credit Union.  If 
you sign an application for this Account or sign or use any Card or PIN, or allow others to use the Card or PIN, you and they will have 
accepted this Agreement just as if you and they signed it, and you and they, jointly and severally, will be bound by the following terms and 
conditions which will govern this Account. 

I.     VISA CREDIT CARD TERMS. 

The following terms and conditions apply to the use of your Card as a Credit Card. 

1.  PURCHASES AND CASH ADVANCES.  You must sign the Card to use it.  Once you have signed the Card, you can use it to buy or lease goods 
or services, wherever the card is honored, up to the full amount of your credit line.  You may use your Account to get cash advances from us.  You 
may also use your Card to get a cash advance from participating financial institutions or automated teller machines (ATM).  You may use your Card 
to purchase goods and services any place your VISA Card is honored by participating merchants.  

2.  YOU PROMISE TO PAY.  You promise to pay all such amounts, plus any Interest Charges which arise from use of the Card or Account by you or 
any other person, and to be jointly and severally liable with such a person, unless such other person does not have actual, implied, or apparent 
authority for such use, and you received no benefit from the use.  You promise to pay us either by direct payment, automatic transfers from shares, 
or payroll deduction.  

3.  CREDIT LINE.  This Agreement will constitute a revolving line of credit for an amount which will be the credit line under your Classic, Platinum, 

Platinum Rewards or Secured Credit Card Account or Overdraft Protection Line of Credit Account, as applicable.  You may access your credit line 
through VISA Credit Card purchases or cash advances at participating merchants or through overdraft advances on your checking account.  We 
will advise you of the amount of your credit line.  That amount will be the maximum amount you may have outstanding at any one time.  You agree 
not to attempt to obtain more credit than the amount of your credit line. Any transaction that you initiate or authorize that will exceed your credit line 
may be denied or rejected by us. We retain the right to increase or decrease your credit line at any time for any reason.  Any increase or reduction 
on the limit of your credit line will be shown on your monthly statement or by separate notice together with any changes in the applicable minimum 
monthly payments.  Your eligibility for this credit line is determined by our loan policy and may be terminated at our sole discretion, without demand 
or notice.  You may close your credit line at any time by notifying us in writing and returning all Cards cut in half.  If you terminate this Agreement or 
if we terminate or suspend your credit privileges, the provisions of this Agreement and your liability hereunder shall otherwise remain in full force 
and effect until you have paid us all sums due under this Agreement and returned all Cards.  

4.  MINIMUM MONTHLY PAYMENT.  You agree that you will pay each month not less than the minimum monthly payment on or before the scheduled 

monthly due date. The minimum monthly payment will be 3% of your outstanding balance (“New Balance”) or $25.00, whichever is greater.  If your 
outstanding balance is $25.00 or less, you agree to pay the balance in full.  The total minimum payment due each month is the minimum monthly 
payment, any amounts past due and any overlimit amounts. You may pay in full for all your purchases and cash advances each month, or you may 
repay in monthly installments.  We can accept late payments or partial payments, or checks, drafts, or money orders marked “payment in full,” 
without prejudice to our rights under this Agreement, which are hereby explicitly reserved.  A credit posting from a merchant or reversal of fees do 
not constitute a minimum monthly payment. Your payments may be allocated at the Credit Union’s discretion to pay off lower rate balances, such 
as promotional offers, before higher rate balances, such as cash advances or purchases. Payments in excess of the minimum payment will be 
allocated first to higher rate balances, as applicable. From time to time, we may allow you to skip your minimum monthly payment due. If you 
choose to skip that payment. Interest Charges will continue to accrue in accordance with this Agreement. Payments received at: TwinStar Credit 
Union, PO Box 718, Olympia, WA 98507-0718 at or before 5:00 PM Pacific Time on any business day will be credited to your Account as of that 
date; payments received by mail at that address after 5:00 PM Pacific Time, on a weekend or federal holiday will be posted to your Account as of 
the next business day. Payment crediting to your Account may be delayed up to five days if your payment is received by mail at any other address 
or not accompanied by the remittance portion of your Account statement.  

5.  SECURITY INTEREST.  To secure your Account, you grant us a purchase money security interest under the Uniform Commercial Code in any 

goods you purchase through your Account.  We will have the right to recover any of these goods which have not been paid for through application 
of your payments in the manner described in Section 5. Except for real estate loans, collateral securing other loans with the Credit Union may also 
be used to secure this Account.  You also by signing this application, grant us a security interest in all your present and future shares and any 
earnings thereon as security for obligations under your Account.  For Secured Card accounts, you understand that the shares for which you have 
given us a security interest will remain unavailable for withdrawal during the use of your Account.  

Page 1 of 7 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
6.  MONTHLY STATEMENTS.  Each month we will send you a statement showing purchases, cash advances, overdraft advances, payments, and 
credits made to your Account during the billing cycle, as well as your “New Balance,” any Interest Charge and any late charge or other charges.  
Your statement will also identify the Minimum monthly payment you must make for that billing period and the date it is due.  You agree to retain for 
statement verification copies of transaction slips resulting from each purchase, each advance, and other transactions on your Account.  Unless you 
notify us of a billing error as described below, you accept your monthly statement as an accurate statement of your Account with us.   

7.  CIRCUMSTANCES UNDER WHICH AN INTEREST CHARGE WILL BE IMPOSED.  The total outstanding balance of purchases, balance 

transfers, cash advances, and overdraft advances in the Account on the closing date of a billing cycle, including any Interest Charge will be shown 
on the Periodic Statement for that billing cycle as the “New Balance.” 

a.  Cash/Overdraft Advances.  An Interest Charge will be imposed on cash and overdraft advances from the date each advance is made to the date 

paid.  There is no time period within which to pay to avoid a periodic Interest Charge on cash advances, including balance transfers or overdraft 
advances.  

b.  Purchases.  An Interest Charge will be imposed on the portion of purchases included in the new balance that remains unpaid 21 days after the 

closing date. This “grace period” allows you to avoid an Interest Charge on purchases for a billing cycle. However, to the extent you do not pay your 
purchase transactions within the grace period your Interest Charge will accrue from the date purchases are posted to your account. Interest 
Charges on cash/overdraft advances and balance transfers will accrue from the first day of the billing cycle in which cash advances and balance 
transfers are posted to your account. 

8.  METHOD USED TO DETERMINE THE BALANCE ON WHICH THE INTEREST CHARGE MAY BE COMPUTED AND AMOUNT OF INTEREST 
CHARGE.  The Credit Union figures the Periodic Interest Charge on your VISA Credit Card Account by applying the Periodic Rate to the “Average 
Daily Balance” of purchases and cash advances for your Account.  To get the “Average Daily Balance” we take the beginning purchase and cash 
advance balance of your Account each day, add any new purchases, cash and overdraft advances and subtract any payments or credits, unpaid 
Interest Charges and unpaid late charges.  This gives us the daily balance.  Then we add up all the daily balances for the billing cycle and divide by 
the number of days in the billing cycle.  This gives us the Average Daily balance for both purchases and cash/overdraft advances. The Interest 
Charge is determined by multiplying the average daily balance by the number of days in the billing cycle and applying that Periodic Rate to that 
amount. However, no Interest Charge is imposed on purchases to the extent payments and credits for such purchases are made within 21 days of 
the closing date of the previous billing cycle. 

9.  An Introductory Annual Percentage Rate (“APR”) will apply to purchases that post to your VISA account through the last day of your billing cycle 
from 180 days of opening your account.  Your billing cycle ends on the 9th of the month. After that, effective on the first day of the new billing cycle, 
the non Introductory APR will be applied to new and outstanding purchase balances.  The introductory purchase APR is a fixed rate as follows: 

1.90% Introductory APR 
a.  Classic Accounts: 
b.  Platinum Accounts:   
1.90% Introductory APR 
c.  Platinum Rewards Accounts:   1.90% Introductory APR 

        The introductory purchase APR does not apply to balance transfers or cash/overdraft advances. 

11.  PERIODIC RATE AND CORRESPONDING ANNUAL PERCENTAGE RATE.  On the first day of the new billing cycle, after the introductory rate       
ends on Purchases, your account will be subject to the Purchase Annual Percentage Rate as stated below.  Balance transfer and cash/overdraft 
advances on your account, as the case may be, will be subject to the Balance Transfer or Cash Advance Annual Percentage Rate as stated below 
from the first balance transfer or cash/overdraft advance taken against your account.  

The Interest Charge imposed during the billing cycle will be determined by multiplying the Average Daily Balance by the Periodic Rate. The Annual 
Percentage Rate is divided by 12 to produce the monthly rate. The Annual Percentage Rate is variable based on an index which is The Wall Street 
Journal Western Edition Prime Rate as of February 28; May 31; August 31; and November.  

        30 of each calendar year, plus a margin. The margin added to the index is as follows: 

        Classic Card accounts: 
        Purchases:  
        Balance Transfer: 
        Cash Advances:  

        Platinum Card accounts: 
        Purchases:  
        Balance Transfer: 
        Cash Advances:  

  7.75% 
  4.75%   
10.75% 

5.75% 
2.75%   
8.75% 

        Platinum Rewards Card accounts: 
        Purchases:  
        Balance Transfer: 
        Cash Advances:  

6.75% 
3.75%   
9.75% 

        Secured Card accounts: 
        Purchases:  
        Balance Transfer: 
        Cash Advances:  

 7.75% 
 4.75%   

               10.75% 

Page 2 of 7 

 
 
 
 
 
 
 
 
 
 
 
 
         
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
The Annual Percentage Rate may change on the first billing date of the next billing cycle and any increase or decrease will affect the amount of the 
payment you will make.  The Annual Percentage Rate will not exceed 18% or the maximum rate permitted by applicable law.  The Annual Percentage 
Rate applicable to your account will be disclosed to you with your Card and shown on each monthly statement.  The “Total Interest Charge shown on 
your monthly statement is the sum of the periodic Interest Charge on purchases, the periodic Interest Charge on cash and overdraft advances and the 
periodic Interest Charge on balance transfers, if any. 

12.  CREDIT CARD FEES AND CHARGES.  We may impose the following fees and charges on your Account: 

a.  Late Fee.  If your minimum monthly payment is more than 4 days late, your account will be assessed a late fee of $20.00. 

b.  Research and Copying Fees.  We may charge you for each copy and an hourly research fee if you request copies of any items or documents 

related to your Account.  If the request relates to a billing error and we determine that a billing error was made, any photocopying charges will be 
refunded.  Refer to the Deposit Agreement and Disclosure for current photocopy and research charges.   

c.  Replacement Card Charge.  A $5.00 charge per card will be imposed for each replacement card you request, regardless of the reason.   

d.  Annual Card Fee.  Visa Platinum Rewards cards are subject to a $25.00 annual card fee, which will be charged at the time the card is issued and 

on the anniversary of the card issue month.  There is no annual fee for Classic, Share Secured, or Platinum Card accounts.   

e.  Returned Check Charge.  A $25.00 charge will be imposed for each loan payment check drawn on your account that is returned to the Credit 

union, regardless of the reason.   

f.  ATM Fees.  If you use an ATM that is not operated by us, you may be charged an ATM surcharge by the ATM operator or an ATM network utilized 

for such a transaction.  The ATM surcharge will be debited from your account if you elect to complete the transaction. 

g.  Attorney Fees and Collection Costs.  The Credit Union may start a collection action in the county in which the Credit Union is located.  You will 
pay the Credit Union’s attorneys’ fees whether or not there is a lawsuit, including attorney fees on any appeal.  You also will pay any collection 
costs, such as repossession fees and court costs.  All of these costs and expenses may be added to your present debt and an Interest Charge may 
be imposed on them at the highest rate applied to any of your card purchases or advances.   

13.   DEFAULT.  You will be in default under this Agreement if any payment you make is more than 60 days late. 

Upon default, we may declare the entire unpaid balance subject to repayment under the terms of this Agreement; over an amortization period of not 
less than 5 years; or with a minimum payment that is not higher than five (5) percent of your monthly outstanding balance (“New Balance”) under 
the terms of this Agreement. You agree to pay that amount plus any attorney’s fees and costs incurred by us. On the first day of the new billing 
cycle following the default, the Credit Union may increase the Annual Percentage Rate on your entire existing balance as well as any future 
purchases, balance transfers, or cash/overdraft advances to 18.00% or the maximum rate permitted by law.  
We can delay enforcing any right under this Agreement without losing that right or any other right.    

13.  CREDIT INFORMATION/FINANCIAL STATEMENTS.  You authorize us to release information to others (e.g., credit bureaus, merchants, and 
other financial institutions) regarding the status and history of your credit line.  You agree to provide us, at any time we deem necessary, with a 
current financial statement and updated credit information upon request.  We may investigate your credit directly or through a credit reporting 
agency.   

14.  LOSS OR THEFT OF VISA CREDIT CARD.  You agree to notify us immediately of the loss, or the theft, or the use without your permission, of any 
Card, convenience checks, or other credit instrument or device which we supply to you.  You may be liable for the unauthorized use, which occurs 
after you notify: TwinStar Credit Union, PO Box 718, Olympia, Washington 98507, or Telephone: (360) 357-9911, orally or in writing of loss, theft, 
or possible unauthorized use. Please notify us of your lost or stolen Credit Card as soon as possible.  You will not be liable for unauthorized 
transactions on your Account, provided you are not grossly negligent or fraudulent in handling your Card.  In any event, your liability for 
unauthorized VISA Credit Card transactions will not exceed $50.00.  You and any Guarantor of this Agreement agree the liability limits in this 
section will not apply to your Guarantor’s obligation for use of the Card, including unauthorized use of the Card.   

15.  BILLING ERRORS NOTICE RIGHTS.  

Your Credit Card Billing Rights 

Keep this document for future use. This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. 

What to Do if You Find A Mistake On Your Statement. If you think there is an error on your statement, write to us at: TwinStar Credit Union, PO Box 
718, Olympia, WA 98507-0718. In your letter, give us the following information: 

 
 
 

Account information: Your name and account number. 
Dollar Amount: The dollar amount of the suspected error. 
Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a 
mistake. 

        You must contact us: 

  Within 60 days after the error appeared on your statement. 
 

At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. 

Page 3 of 7 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
You must notify us of any potential errors in writing. You may call us, but if you do, we are not required to investigate any potential errors and you may 
have to pay the amount in question. 

        What Will Happen After We Receive Your Letter. When we receive your letter, we must do two things: 

a.  Within 30 days days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already 

corrected the error. 

b.  Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. 

        While we investigate whether or not there has been an error: 

a.  We cannot try to collect the amount in question or report you as delinquent on that amount. 
b.  The charge in question may remain on your statement, and we may continue to charge you interest on that amount. 
c.  While you do not have to pay the amount in question, you are responsible for the remainder of your balance. 
d.  We can apply any unpaid amount against your credit limit. 

        After we finish our investigation, one of two things will happen: 

e. 
f. 

If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. 
If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We 
will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not 
pay the amount we think you owe. 

If you receive our explanation but still believe your bill is wrong, you must 10 days telling us that you still refuse to pay. If you do so we cannot report you 
as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and 
we must let those organizations know when the matter has been settled between us. If we do not follow all of the rules above, you do not have to pay the 
first $50 of the amount you question even if your bill is correct.   

b.  Your Rights if You Are Dissatisfied With Your Credit Card Purchases. If you are dissatisfied with the goods or services that you have purchased 

with your a credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining 
amount due on the purchase. To use this right all of the following must be true: 

(1) 

a. The purchase must have been made in your home state or within 100 miles of your current mailing address; and the purchase price 
must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, 
or if we own the company that sold you the goods or services. 

b.   You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that        
      accesses your credit card account do not qualify. 
c.   You must not yet have fully paid for the purchase. 

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the above address. While we investigate, the 
same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you 
owe an amount and you do not pay, we may report you as delinquent. 

II.   VISA CHECK CARD TERMS. 

The following terms and conditions apply to the use of your Card at automated teller machines (“ATMs”) and for Visa Check Card purchases. 

1.   SERVICES. 

a.  ATMs.  You may use your Check Card and Personal Identification Number (“PIN”) in automated teller machines of the Credit Union and such 

networks as the Credit Union designates from time to time.  At the present time, you may use your Check Card to make the following transactions: 

(1)  Make deposits to your Savings or Checking accounts. 
(2)  Withdraw cash from your Savings, Checking, or Line of Credit accounts.  
(3)  Transfer funds between your Savings, Checking, or Line of Credit accounts.  
(4) 

 Other transactions may be offered and permitted in the future.  

b.  Check Card.  You may use your Check Card to purchase goods and services any place your Check Card is honored by participating VISA 
merchants.  Funds to cover your Check Card purchases will be deducted form your checking account.  If the balance in your account is not 
sufficient to pay the transaction amount, the Credit Union may treat the transaction as an overdraft request and access your share overdraft 
protection account, or may terminate all services under the Agreement.   

c. 

If the amount of money in your deposit accounts will not cover the transaction amount, we will transfer from your designated line of credit account.  
Any loan advances made with your Card will be governed by your VISA Credit Card and Overdraft Protection Line of Credit Agreement. 

2.     SERVICE LIMITATIONS. 

a.  ATM Machines.  You may withdraw up to $500.00 or the maximum allowed at an ATM (if there are sufficient funds in your account) per day at any 

authorized ATM. 

Page 4 of 7 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
b.  Check Card.  There is no limit on the number of purchase transactions you may make by Check Card during a statement period.  No purchase 

may exceed the available funds in your account.  The Credit Union reserves the right to refuse any transaction which would draw upon insufficient 
funds, lower an account below a required balance, or otherwise require us to increase our required reserve on the account.  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. 

3.  SECURITY OF ACCESS CODE.  The personal identification number or access code (“access code”) that is issued to you is for your security     

purposes.  The access code is confidential and should not be disclosed to third parties or recorded.  You are responsible for safekeeping your 
access code.  You agree not to disclose or otherwise make your access code available to anyone not authorized to sign on your accounts.  If you 
authorize anyone to use your access code, that authority shall continue until you specifically revoke such authority by notifying the Credit Union.  If 
you fail to maintain the security of these access codes and the Credit Union suffers a loss, we may terminate your electronic funds transfer and 
account services immediately.   

4.  MEMBER LIABILITY.  You are responsible for all transfers you authorize using your EFT services under this Agreement.  If you permit other 

persons to use an EFT service, Card or 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 anyone has used your Account, Card or access code and accessed your accounts without your authority.  
Telephoning is the best way of keeping your possible losses down.   

You will not be liable for Check Card purchase transactions provided you were not grossly negligent or fraudulent in handling your Check Card and 
you provide us with a written statement regarding your unauthorized Check Card claim.  Otherwise the liability limits set forth below may apply.  For 
all other EFT transactions, including ATM transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone 
accessed your account without your permission.  If you do not tell us within two (2) business days after you learn of the unauthorized use of your 
account or EFT service, and we can prove that we could have stopped someone from accessing your account without your permission if you had 
told us, you could lose as much as $500.  Your liability for unauthorized loan transactions through an EFT service is $50.00. 

Also, if your statement shows EFT transfers you did not make, tell us at once.  If you do not tell us within sixty (60) days after the statement was 
mailed to you, you may be liable for the following amounts if we can prove that we could have stopped someone from making the transfers if you 
had told us in time: (1) for unauthorized Check Card purchase transactions—up to the limits set forth above and (2) for all other unauthorized EFT 
transactions—up to the full amount of the loss.  If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods.   

If you believe your Check Card has been lost or stolen, or that someone has transferred or may transfer money from your account without your 
permission, call: 

(360) 357-9911 

Or write: 

TwinStar Credit Union 
PO Box 718 
Olympia, WA 98507-0718 

5.  BUSINESS DAYS.  Our business days are Monday through Friday.  Holidays are not included. 

6.  CHECK CARD FEES AND CHARGES. 

a.  Research and Copying Fees.  We may charge you for each copy and an hourly research fee if you request copies of any item or document 

related to your Account.  If the request relates to a billing error and we determine that a billing error was made, any photocopying charges will be 
refunded.  Refer to the Deposit Agreement and Disclosure for current photocopy and research charges.  

b.  Replacement Card.  A $5.00 fee will be assessed for any replacement card you order. 

7.  RIGHT TO RECEIVE DOCUMENTATION OF TRANSFERS. 

a.  Periodic Statements.   Transfers, withdrawals, and purchases transacted with your Card 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 get a receipt at the time you make a transaction using an ATM. 

8.  ACCOUNT INFORMATION DISCLOSURE.  We will disclose information to third parties about your account or the transfers you make: 

a.  As necessary to complete transfers; 

b.  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; 

c.  To comply with government agency or court orders; 

d. 

If you give us your written permission. 

Page 5 of 7 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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 will be liable for your losses or damages.  However, there are some exceptions.  We will 
not be liable for instance: 

a. 

If, through no fault of ours, you do not have enough money in your account to make the transfer or the transfer would go over the credit limit on 
your line of credit. 

b. 

If you used the wrong access code or you used an access code or Check Card in an incorrect manner. 

c. 

If the ATM where you are making the transfer does not have enough cash. 

d. 

If the ATM or POS terminal was not working properly and you knew about the problem when you started the transaction. 

e. 

If circumstances beyond our control (such as fire, flood, earthquake or power failure) prevent the transaction. 

f. 

If the money in your account is subject to legal process or other claim. 

g. 

If your account is frozen because of a delinquent loan. 

h. 

If the error was caused by a system of any participating ATM network. 

i. 

j. 

If there are other exceptions as established by the Credit Union. 

The ATM or POS terminal may retain your Check Card in certain instances, in which event you may contact the Credit Union about its replacement.  

10.  TERMINATION OF EFT SERVICES.  You agree that we may terminate this agreement and your use of your Check Card if you or any authorized 

user of your access code breach this or any other agreement with us, or we have reason to believe that there has been an unauthorized use of 
your access code or Check Card.  

You or any other party to your account can terminate this Agreement by notifying us in writing.  Termination of service will be effective the first business 
day following receipt of your written notice.  Termination of this Agreement will not affect the rights and responsibilities of the parties under this 
Agreement for transactions initiated before termination. 

11.  BILLING ERRORS.  In case of errors or questions about your electronic transfers, telephone us at the phone number or write us at the address set 
forth above as soon as you can.  We must hear from you not later than sixty (60) days after we sent the first statement on which the problem 
appears.   

a.  Tell us your name and account number. 

b.  Describe 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. 

c.  Tell us the dollar amount of the suspected error. 

d. 

If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. 

e.  We will tell you the results of our investigation within ten (10) business days after we hear from you and will correct the error promptly.  For errors 
related to transactions occurring within thirty (30) days after the first deposit to the account (new accounts), we will tell you the results of our 
investigation within twenty (20) business days.  If we need more time, however, we may take up to forty-five (45) calendar days to investigate your 
complaint or question (ninety (90) calendar days for POS transaction errors, new account transaction errors, or errors involving transactions 
initiated outside the United States).  If we decide to do this, we will re-credit your account within ten (10) business days (five (5) business days for 
VISA Check Card purchase transactions) 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 re-credit your account.   

f. 

If we decide after our investigation that an error did not occur, we will deliver or mail you an explanation of our findings within three (3) business 
days after the conclusion of our investigation.  If you request, we will provide you copies of documents (to the extent possible without violating other 
members’ rights to privacy) we relied upon to conclude that the error did not occur. 

III.    GENERAL TERMS AND CONDITIONS. 

The use of your VISA Credit/Check Card is subject to the following terms and conditions: 

1.     CONDITIONS OF CARD USE. 

a.  Ownership and use of Cards.  Any Card or other credit instrument or 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. 

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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 credit instrument or 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.  Currency Conversion.  Purchases and cash advances made in foreign countries and foreign currencies will be billed to you in U.S. dollars.  The 
currency conversion rate for international transactions as established by VISA International, Inc. is 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.  In addition, you will be assessed an International Transaction Fee 
of 2.00% of the transaction amount or a minimum of $2.50 for any card purchase or cash advance made in a foreign country. 

d.  Notices and Payments. All notices will be sent to your address as shown in the application.  You agree to advise us promptly if you change your 

mailing address.  All payments should be mailed to us at the remittance address shown on your monthly statements.  Payments received at that 
address will be credited to your Account as of the date received.   

2. 

INDEMNITY.  If you ask the Credit Union to follow instructions that the Credit Union believes might expose it to claims, lawsuits, expenses, 
liabilities, or damages, whether directly or indirectly, the Credit Union may refuse to follow your instructions or may require a bond or other 
protection.  As example of the kind of protection asked for would be your promise to defend the Credit Union against any claims and pay all legal 
fees and costs associated with the defense.  

3.  WAIVER.  Any waiver of any term or condition stated in this Agreement must be in writing or signed by an officer of the Credit Union and shall not 

be considered as a waiver of any future or other obligation or right.  

4.  SEVERABILITY.  In the event that any paragraph of this Agreement or any portion thereof is held by a court to be invalid or unenforceable for any 
reason, the other paragraphs and portions of this Agreement shall not be invalid or unenforceable and will continue in full force and effect.   

5.  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 Washington 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.   

6.  ENFORCEMENT.  In the event either party brings a legal action to enforce the Agreement or collect any overdrawn funds on accounts accessed 

under this Agreement, the prevailing party shall be entitled, subject to applicable law, to payment by the other party of its reasonable attorney’s fees 
and costs, including fees on any appeal, bankruptcy proceedings, an any post-judgment collection actions if applicable.  If there is a lawsuit, you 
agree that it may be filed and heard in the county and state in which the Credit Union is located, if allowed by applicable law. 

7.  ATM SAFETY NOTICE.  The following information is a list of safety precautions regarding the use of your Card at ATMs 

a.  Be aware of your surroundings, particularly at night. 

b.  Consider having someone accompany you when the ATM is used after dark. 

c. 

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. 

d.  Refrain from displaying your cash at the ATM.  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.   

e. 

If you notice anything suspicious at the ATM, consider using another ATM or coming back later.  If you are in the middle of a transaction and you 
notice something suspicious, cancel the transaction, take your ATM access device or deposit envelope, and leave.  

f. 

If you are followed after making a transaction, go to the nearest public area where people are located. 

g.  Do not write your access code on your Card. 

h.  Report all crimes to law enforcement officials immediately. 

8.  AMENDMENTS.  The Credit Union reserves the right to change the terms and conditions of this Agreement at any time as permitted by and subject 

to any limitations and notice requirements of applicable law.  

9. 

ILLEGAL USE OF CARD.  You may not use the Card for any illegal or unlawful transaction, and we may decline to authorize any transaction that 
we believe poses an undue risk of illegality or unlawfulness.   

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