CREDIT LINE ACCOUNT AGREEMENT
OMNI Community Credit Union
AND FEDERAL DISCLOSURE STATEMENT
P.O. Box 1537
THIS IS YOUR CREDIT LINE ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTH-
Battle Creek, MI 49016
OMNI
(269) 441-1400
(866) OMNI-WOW
IN-LENDING DISCLOSURE STATEMENTS, PLATINUM CREDIT CARD AND PLATINUM REWARDS CREDIT
COMMUNITY CREDIT UNION
CARD AGREEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR PLATINUM
The smarter way to bank.
CREDIT CARD AND/OR PLATINUM REWARDS CREDIT CARD, AND/OR ANY OTHER ACCOUNT ACCESS
DEVICE. PLEASE BE CERTAIN TO READ THIS AGREEMENT CAREFULLY AND NOTIFY US AT ONCE IF
ANY PARTS ARE UNCLEAR.
Interest Rate and Interest Charges
Annual Percentage Rate (APR)
Platinum Credit Card:
%
For Purchases
Platinum Rewards Credit Card:
%
Annual Percentage Rate (APR)
Platinum Credit Card:
%
For Balance Transfers
Platinum Rewards Credit Card:
%
Annual Percentage Rate (APR)
Platinum Credit Card:
%
For Cash Advances
Platinum Rewards Credit Card:
%
Cash Reserve Line of Credit:
%
Penalty APR And When it
18.00%
Applies
This APR may be applied to Your credit card accessible Feature Category if:
1) You make a late payment.
How Long Will The Penalty APR Apply? If Your APRs are increased for this reason,
the Penalty APR may be applied indefinitely unless 6 consecutive payments are received
on or before the due date during the six-month period following such increase.
Paying Interest
For credit card accessible Feature Categories, We will not charge You interest on purchases
if You pay Your entire balance owed each month within 25 days of Your statement closing
date. For all Feature Categories, We will begin charging interest on cash advances and
balance transfers on the transaction date.
For Credit Card Tips from
To learn more about factors to consider when applying for or using a Credit Card,
the Consumer Financial
visit the website of the Consumer Financial Protection Bureau at
Protection Bureau
http://www.consumerfinance.gov/learnmore.
Fees
Transaction Fees
Foreign Transaction
For Credit Cards, 1.00% of each foreign currency transaction in U.S. dollars.
For Credit Cards, 1.00% of each U.S. Dollar transaction that occurs in a foreign country.
Penalty Fees
Returned Check Charge
For Credit Cards, up to $20.00
Over-the-Credit Limit
For Credit Cards, up to $25.00
Late Payment
For Credit Cards, up to $25.00
For Cash Reserve Line of Credit, the greater of 5.00% of the payment due or $15.00
How We Will Calculate Your Balance: For Cash Reserve Line of Credit, We use a method called "daily balance." For Platinum
and Platinum Rewards Credit Cards, We use a method called "average daily balance (including new purchases)." See Your
Account Agreement for details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in Your Account
Agreement.
In this Agreement, the reference to "We," "Us," "Our" and "Credit Union" mean OMNI COMMUNITY CREDIT UNION. The words "You" and "Your" mean each person
accepting this Agreement. If this is a joint Account, read singular pronouns in the plural. The words "Card," "Credit Card," and "Credit Cards" mean any Platinum Credit
Card or Platinum Rewards Credit Card issued to You by Us and any duplicates or renewals. "Convenience Checks" mean the special Account access devices that We may
provide for Your use from time to time.
Copyright Oak Tree Business Systems, Inc., 2006-2018. All Rights Reserved.
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You, as the Borrower, under a Credit Line Account ("Account"), understand that the following Federal Disclosure Statement and the terms and conditions found herein
constitute Our Agreement with You. You may request advances on Your Account through a variety of means which could include (but may not be limited to) telephonic
requests, advance request forms, vouchers, checks, charge slips, Convenience Checks, Check Cards, ATM Cards, Credit Cards, wire transfers, direct transfers and/or
wire transfers to specific payees identified by You, direct transfers to Your Share/Share Draft or other Credit Union account and the like. Regardless of the means by which
any advance is made, You promise to pay Us all amounts charged to Your Account by You or by any user who has access to Your Account, with actual, apparent or
implied authority for use of Your Account, including Finance Charges and other fees or charges described herein.
FEATURE CATEGORIES. Your Account has Feature Categories which may include Cash Reserve Line of Credit (including Overdraft Protection), Platinum Credit Card
and Platinum Rewards Credit Card.
Account
Daily
Monthly
ANNUAL
Feature Categories
Periodic
Periodic
PERCENTAGE
Rate
Rate
RATE
Cash Reserve Line of Credit
Platinum Credit Card
Platinum Rewards Credit Card
ADVANCES. Whenever You request a transaction, We may require You to prove
As permitted by law, Platinum Credit Card and Platinum Rewards Credit Card
Your identity. Advances made on Your Account will be processed according to the
payments will be applied in an order of Our choosing and any amounts paid in
instructions You give Us (such as by wire transfer, direct transfer to Your Credit
excess of the Minimum Monthly Payment will first be applied to the balance
Union account or by other such means) and You authorize Us to do this, or We may
bearing the highest rate of interest, and then to each successive balance bearing
draw a draft or check made payable to You and mail it to You. When the amount
the next highest rate of interest, until the payment is depleted.
advanced appears on a subsequent statement, that will be conclusive evidence of
Your advance request unless You notify Us that You disagree with any such item
Any unpaid portion of the Finance Charge will be paid by subsequent payments and
appearing on Your periodic statement according to the provision of this Agreement
will not be added to Your principal balance. You understand that any delay in the
"Your Billing Rights: Keep this Document for Future Use."
repayment of Your unpaid balance will increase Your periodic Finance Charges and
any acceleration in the repayment of Your unpaid balance will decrease Your periodic
SECURITY. As permitted by law, to secure all transactions under this Agreement
Finance Charges.
in either joint or individual Accounts, We have the right to impress and enforce a
statutory lien against Your shares on deposit with Us (other than those deposits
Cash Reserve Line of Credit Minimum Monthly Contractual Payments will be
established under a governmental approved tax deferral plan such as an IRA or
established and fixed on the first day of the calendar month immediately following
Keogh Account), and any dividends due or to become due to You from Us to the
each advance at an amount equal to 3.00% of Your then outstanding balance,
extent that You owe on any unpaid balance on Your Account and We may enforce
subject to the lesser of $25.00 or Your balance.
Our right to do so without further notice to You. Additionally, You agree that We
may set-off any mutual indebtedness.
Platinum Credit Card and Platinum Rewards Credit Card Minimum Contractual
Payments will be an amount equal to 2.00% of Your new unpaid Platinum Credit
OTHER SECURITY. Collateral (other than household goods or any dwelling)
Card or Platinum Rewards Credit Card balance at the end of each billing cycle,
given as security under this Agreement or for any other loan You may have with
subject to the lesser of $25.00 or Your balance, plus any portion of the Minimum
Us will secure all amounts You owe Us now and in the future if that status is
Payments shown on prior statement(s) which remains unpaid, plus any amount
reflected in the "Truth-in-Lending Disclosure" in any particular Agreement
that exceeds Your approved Credit Limit.
evidencing such debt.
You may, by separate agreement, authorize Us to charge Your payment directly to
LIEN ON SHARES. If You have been issued an ATM or debit card, You
Your Share or Share Draft Account.
grant and consent to a lien on Your shares with Us (except for IRA and
Keogh accounts) and any dividends due or to become due to You from Us
LATE CHARGE - CASH RESERVE LINE OF CREDIT. For Cash Reserve Line of
to the extent You owe on any unpaid Cash Reserve Line of Credit balance
Credit, if Your payment is 15 or more days past due, You will be charged the
created through the use of Your ATM or debit card.
greater of 5.00% of the payment due or $15.00.
LINE OF CREDIT LIMITS. You will be notified of each specific Credit Limit for
FINANCE CHARGES - CASH RESERVE LINE OF CREDIT. For Cash Reserve
each Feature Category for which You are approved. Unless You are in default,
Line of Credit, a Finance Charge will be assessed on any unpaid principal balance
any Credit Limits established for You will generally be self-replenishing as You
for each Feature Category of Your Account for the period such balance is
make payments.
outstanding. Balances change each time advances are made, payments are
made or credits given under any Feature Category. The Finance Charge begins to
You will keep Your unpaid balance within Your Credit Limit set by Us, and You will
accrue on the date of each advance and there is no grace period.
pay any amount over Your Credit Limit on Our demand whether or not We
authorize the advances which caused You to exceed Your Credit Limit. Even if
HOW TO DETERMINE THE FINANCE CHARGE - CASH RESERVE LINE OF
Your unpaid balance is less than Your Credit Limit, You will have no credit
CREDIT. For Cash Reserve Line of Credit, the Finance Charge is determined by
available during any time that any aspect of Your Account is in default.
multiplying Your unpaid balance at the close of each day in the billing cycle being
accounted for by the applicable Daily Periodic Rate. The unpaid balance is the
JOINT ACCOUNTS. Each Borrower will be responsible, jointly and severally, for
balance each day after payments, credits, and unpaid Finance Charges to that
the repayment of any amounts owed. If any Account access device, such as a
balance have been subtracted and any new advances, insurance premiums or other
Personal Identification Number (PIN) is requested and approved, You understand
charges have been added to Your unpaid balance. These daily Finance Charges are
that any such Account access device(s) will be mailed only to the primary
then added together and the sum is the amount of the Finance Charge owed for the
Borrower at the address that We have on file for You. We may refuse to follow any
Feature Category being accounted for. The total Finance Charge You owe on Your
instructions which run counter to this provision.
Account for each billing cycle is the sum of all the Finance Charges due for all
applicable Feature Categories.
MINIMUM MONTHLY CONTRACTUAL PAYMENTS (PAYMENT SCHEDULE).
Though You need only pay the Minimum Monthly Contractual Payments, You
FINANCE CHARGES - PLATINUM CREDIT CARD AND PLATINUM REWARDS
understand that You have the right to repay at any time without penalty. You also
CREDIT CARD. In the case of any transactions under Your Platinum Credit Card or
understand that You will only be charged periodic Finance Charges to the date You
Platinum Rewards Credit Card Feature Categories, the balances subject to the
repay Your entire balance. You may make larger payments without penalty. Any
periodic Finance Charge are the average daily transaction balances outstanding
partial payment or prepayment will not delay Your next scheduled payment. All
during the month (including new transactions). To get the average daily balance, We
payments to Us must be in lawful money of the United States. For Cash Reserve
take the beginning balance of Your Account each day, add any new purchases, cash
Line of Credit, payments will be applied first to any Late Charges owing, then to the
advances, insurance premiums, debit adjustments or other charges and subtract any
Finance Charge due, then to the outstanding principal balance.
payments, credits and unpaid Finance Charges. This gives Us the daily balance.
Copyright Oak Tree Business Systems, Inc., 2006-2018. All Rights Reserved.
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Then, We add up all the daily balances for the billing cycle and divide them by the
CREDIT INSURANCE. Credit insurance is not required for any extension of
number of days in the billing cycle. The Finance Charge for a billing cycle is
credit under this Agreement. However, You may purchase any credit insurance
computed by multiplying the average daily balance subject to a Finance Charge
available through Us and have the premiums added to Your outstanding
by the Monthly Periodic Rate.
balance. If You elect to do so, You will be given the necessary disclosures and
documents separately.
You can avoid Finance Charges on purchases by paying the full amount of the
entire balance owed each month within 25 days of Your statement closing date.
INTEGRATED DOCUMENTS. Any separate sheet of paper labeled "Additional
Otherwise, the new balance of purchases, and subsequent purchases from the
Disclosure - Federal Truth-In-Lending Act." and/or "Credit Line Account Advance
date they are posted to Your Account, will be subject to a Finance Charge. Cash
Request and Security Agreement" which is delivered together with this Agreement
advances and balance transfers are always subject to a Finance Charge from the
or at a later date becomes an integrated part of this Agreement and Disclosure.
later of the date they are posted to Your Account or from the first day of the billing
cycle in which the cash advance is posted to Your Account.
CONSENT TO AGREEMENT. You acknowledge receipt of a copy of this
Agreement. By signing the application; or by using Your Account or any Account
OVERDRAFT PROTECTION. We may transfer funds in multiples of $100.00
access device; or by authorizing another to use Your Account, You agree to and
(or in such increments as We may from time to time determine) to Your share
accept its terms.
draft account by an advance on Your Cash Reserve Line of Credit Feature
Category, subject to this provision, to clear any Overdraft on Your share draft
UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide facts
account. Whether or not such transfers occur will be controlled by this
to update information contained in Your original Account application or other financial
Agreement. In any event, You hold Us harmless for any and all liability which
information related to You, at Our request. You also agree that We may, from time to
might otherwise arise if the transfer does not occur. Overdraft protection
time, as We deem necessary, make inquiries pertaining to Your employment, credit
automatically ceases if this Agreement is ever cancelled or terminated or Your
standing and financial responsibility in accordance with applicable laws and
Account is in default.
regulations. You further agree that We may give information about the status and
payment history of Your Account to consumer credit reporting agencies, a
PERIODIC STATEMENTS. On a regular basis, You will receive a statement
prospective employer or insurer, or a state or federal licensing agency having any
showing all transactions on Your Account including amounts paid and borrowed
apparent legitimate business need for such information.
since Your last statement. We will mail You a statement each month in which
there is a debit or credit balance or when a Finance Charge is imposed. We need
TERMINATION. Either You or We may cancel Your Account or any particular
not send You a statement if We feel Your Account is uncollectible or if We have
Feature Category of Your Account, at any time, whether or not You are in default.
started collection proceedings against You because You defaulted. EACH
You will, in any case, remain liable to pay any unpaid balances according to the
STATEMENT IS DEEMED TO BE A CORRECT STATEMENT OF ACCOUNT
terms of Your Account.
UNLESS YOU ESTABLISH A BILLING ERROR PURSUANT TO THE FEDERAL
TRUTH-IN-LENDING ACT.
GOVERNING LAW. This Agreement is controlled and governed by the laws of the
State of Michigan except to the extent that such laws are inconsistent with
OUR RESPONSIBILITIES TO HONOR CONVENIENCE CHECKS. We are under
controlling federal law.
no obligation to honor Your Convenience Checks if: (1) by paying a Convenience
Check, You would exceed Your Credit Limit; (2) Your Cards or Convenience
SPECIFIC TERMS APPLICABLE TO YOUR
Checks have been reported lost or stolen; (3) Your Account has been cancelled or
PLATINUM CREDIT CARD AND
has expired. If a postdated Convenience Check is paid and, as a result, any other
PLATINUM REWARDS CREDIT CARD
Convenience Check is returned unpaid, We are not responsible for any resulting
loss or liability.
USE OF YOUR CARD. You may use Your Card to buy goods and services in any
place that it is honored and to get cash advances at participating financial
DEFAULT. You will be in default if: (a) You do not make any payment or perform
institutions. You agree not to use Your Card for illegal transactions including, but
any obligation under this Agreement, or any other agreement that You may have
not limited to, advances made for the purpose of gambling and/or wagering where
with Us; or (b) You should die, become involved in any insolvency, receivership or
such practices are in violation of applicable state and/or federal law.
custodial proceeding brought by or against You; or (c) You have made a false or
misleading statement in Your credit application and/or in Your representations to
OWNERSHIP. Your Card remains Our property and may be canceled by Us at
Us while You owe money on Your Account; or (d) A judgment or tax lien should be
any time without notice. You agree to surrender Your Card and to discontinue its
filed against You or any attachment or garnishment should be issued against any
use immediately upon Our request.
of Your property or rights, specifically including anyone starting an action or
proceeding to seize any of Your funds on deposit with Us; and/or (e) We should, in
ISSUANCE OF A PERSONAL IDENTIFICATION NUMBER. We will issue,
good faith, believe Your ability to repay Your indebtedness hereunder is or soon
upon Your request, a Personal Identification Number (PIN) for use with
will be impaired, time being of the very essence.
participating Automated Teller Machines (ATMs). This PIN is confidential and
should not be disclosed to anyone. You may use Your PIN to access Your
Upon any occurrence of default, We may, to the extent permitted by law, cancel
Account and all sums advanced will be added to Your Account balance. In the
Your rights under this Agreement, require the return of all access devices and
event a use of Your PIN constitutes an Electronic Fund Transfer, the terms and
declare the entire balance of every Feature Category of Your Account immediately
conditions of Your Electronic Fund Transfer Agreement may also affect
due and payable, without prior notice or demand.
Your rights.
COLLECTION COSTS. In the event collection efforts are required to obtain
EFFECT OF AGREEMENT. Even though the sales, cash advance, credit or other
payment on this Account, to the extent permitted by law, You agree to pay all
slips You may sign or receive when using Your Card contain terms, this Agreement is
court costs, private process server fees, investigation fees or other costs incurred
the contract which solely applies to all transactions involving the Card.
in collection and actual attorneys' fees incurred in the course of collecting any
amounts owed under this Agreement or in the recovery of any Collateral.
UNAUTHORIZED USE. You may be liable for the unauthorized use of Your Card.
You will not be liable for the unauthorized use that occurs after You notify Us of
ENFORCEMENT. We do not lose Our rights under this or any related agreement
the loss, theft, or possible unauthorized use by calling Us at (269) 441-6222. You
if We delay enforcing them. We can accept late payments, partial payments or
may also write to Us at the address shown in this Agreement. In any case, Your
any other payments, even if they are marked "paid in full" without losing any of
liability will not exceed $50.00.
Our rights under this Agreement. If any provision of this or any related agreement
is determined to be unenforceable or invalid, all other provisions remain in full
REFUSAL TO HONOR CARDS OR CONVENIENCE CHECKS. We are not
force and effect.
liable for the refusal or inability of merchants, financial institutions and others to
accept the Cards or Convenience Checks, or electronic terminals to honor the
NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You move
Cards or complete a Card withdrawal, or for their retention of the Cards or
or otherwise have a change of address.
Convenience Checks.
CHANGE IN TERMS. We may change the terms of this Agreement by mailing or
FOREIGN TRANSACTIONS. For transactions initiated in foreign countries and
delivering to You written notice of the changes as prescribed by the Federal Truth-
foreign currencies, the exchange rate between the transaction currency and the
In-Lending Act. To the extent permitted by law, the right to change the terms of
billing currency (U.S. dollars) will be: (a) a rate selected by MasterCard from the
this Agreement includes, but is not limited to, the right to change the periodic rate
range of rates available in wholesale currency markets for the applicable central
applicable to Your unpaid balance and/or future advances.
processing date, which rate may vary from the rate MasterCard itself receives; or
Copyright Oak Tree Business Systems, Inc., 2006-2018. All Rights Reserved.
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(b) the government-mandated rate in effect for the applicable central processing
You must notify Us of any potential errors in writing. You may call Us, but if You
date. In each instance, You will be charged a fee in an amount equal to 1.00% of
do We are not required to investigate any potential errors and You may have to
the settlement amount.
pay the amount in question.
TRANSACTION SLIPS. Your monthly statement will identify that merchant,
What Will Happen After We Receive Your Letter
electronic terminal or financial institution at which transactions were made, but
sales, cash advance, credit or other slips cannot be returned with the statement.
When We receive Your letter, We must do two things:
RETURNED CHECK CHARGE. You will be charged the lesser of $20.00 or the
1)
Within 30 days of receiving Your letter, We must tell You that We received
required minimum payment amount for the returned payment for any check (or
Your letter. We will also tell You if We have already corrected the error.
other negotiable instrument used for payment) which is returned unpaid.
2)
Within 90 days of receiving Your letter, We must either correct the error or
explain to You why We believe the bill is correct.
LATE CHARGE. If Your payment is one or more days past due, You will be
charged the lesser of: (a) the amount of the minimum payment due; or (b) $25.00.
While We investigate whether or not there has been an error:
OVER-THE-CREDIT LIMIT FEE. If You have affirmatively consented to allow Us
We cannot try to collect the amount in question, or report You as delinquent
to pay a transaction that would exceed Your Credit Limit and We have
on that amount.
acknowledged Your consent as required by applicable law, subject to any
limitations imposed by applicable law, You will be charged a fee for each billing
The charge in question may remain on Your statement, and We may
cycle during which You exceed Your Credit Limit. The fee will be an amount equal
continue to charge You interest on that amount.
to the lesser of: (a) $25.00; or (b) the amount by which You have exceeded Your
While You do not have to pay the amount in question, You are responsible
Credit Limit.
for the remainder of Your balance.
We can apply any unpaid amount against Your Credit Limit.
PENALTY RATE- PLATINUM CREDIT CARD AND PLATINUM REWARDS
CREDIT CARD. If Your credit card accessible Feature Category is more than 60
After We finish Our investigation, one of two things will happen:
days past due, subject to applicable law, the Monthly Periodic Rate applicable to
Your entire balance of transactions existing at that time and in the future will
If We made a mistake: You will not have to pay the amount in question or
increase to 1.50% (corresponding ANNUAL PERCENTAGE RATE 18.00%).
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
During the six month period following the effective date of the increase, upon
question, along with applicable interest and fees. We will send You a statement
receipt of the first six consecutive required minimum periodic payments when
of the amount You owe and the date payment is due. We may then report You
due, the rate will be returned to the standard rate that would have otherwise
as delinquent if You do not pay the amount We think You owe.
been in effect.
If You receive Our explanation but still believe Your bill is wrong, You must write to
LOST CARDS OR CONVENIENCE CHECKS. To report lost or stolen Credit Cards
Us within 10 days telling Us that You still refuse to pay. If You do so, We cannot
lor Convenience Checks, You will immediately call Us at (269) 441-6222. You may
report You as delinquent without also reporting that You are questioning Your bill.
also write to Us at the address shown in this Agreement.
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
CREDITS. If a merchant who honors Your Card gives You credit for returns or
between Us. If We do not follow all of the rules above, You do not have to pay the
adjustments, they will do so by sending Us a slip which will be posted to Your
first $50.00 of the amount You question even if Your bill is correct.
Account. If Your credits and payments exceed what You owe Us, We will hold and
apply this credit against future purchases and cash advances, or if it is $1.00 or
Your Rights If You Are Dissatisfied With Your Credit Card Purchases
more refund it on Your written request or automatically deposit it to Your Share
Account after six months.
If You are dissatisfied with the goods or services that You have purchased with
Your Billing Rights: Keep this Document for Future Use
Your 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
This notice tells You about Your rights and Our responsibilities under the
purchase. To use this right, all of the following must be true:
Fair Credit Billing Act.
1)
The purchase must have been made in Your home state or within 100 miles
What To Do If You Find A Mistake On Your Statement
of Your current mailing address, and the purchase price must have been
more than $50.00. (Note: Neither of these are necessary if Your purchase
If You think there is an error on Your statement, write to Us at Our address shown
was based on an advertisement We mailed to You, or if We own the
in this Agreement. In Your letter, give us the following information:
company that sold You the goods or services.)
2)
You must have used Your Credit Card for the purchase. Purchases made
Account information: Your name and Account number.
with cash advances from an ATM or with a check that accesses Your Credit
Dollar amount: The dollar amount of the suspected error.
Card account do not qualify.
Description of problem: If You think there is an error on Your bill, describe
3)
You must not yet have fully paid for the purchase.
what You believe is wrong and why You believe it is a mistake.
If all of the criteria above are met and You are still dissatisfied with the purchase,
You must contact Us:
contact Us in writing at Our address shown in this Agreement.
Within 60 days after the error appeared on Your statement.
While We investigate, the same rules apply to the disputed amount as discussed
At least three business days before an automated payment is scheduled, if
above. After We finish Our investigation, We will tell You Our decision. At that point, if
You want to stop payment on the amount You think is wrong.
We think You owe an amount and You do not pay, We may report You as delinquent.
Copyright Oak Tree Business Systems, Inc., 2006-2018. All Rights Reserved.
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