This Agreement sets forth terms for the use of the TruWest Credit Union
Visa Card (referred to as “the Card”) and contains various disclosures 
and information required by law.

Your TruWest® Credit Union Visa® Card
Agreement, Disclosure and
Billing Rights Notice

E昀昀ective 10/15/2018

PLEASE READ THEM CAREFULLY.
In this Agreement the words “you,” “your,” “yours,” and 
“Cardholder,” mean each and all persons who receive, sign, or 
use a Card under this Agreement. The words “we,” “us,” “our,” 
“TruWest,” and “Credit Union,” mean TruWest Credit Union. 

By use of the Card, Cardholder accepts the Card and agrees to 
be bound by these terms and conditions and Visa Association’s 
operating rules.

VISA CARD HOLDER AGREEMENT AND 
BILLING RIGHTS NOTICE

1. CARD OWNERSHIP:
Any Visa Card issued to you or to another person at your 
request remains the property of TruWest Credit Union. The 
Credit Union may terminate your Visa account at any time and 
you will destroy your Card or Cards promptly upon demand.

2. Visa CARD ISSUANCE:
You have made an application with TruWest Credit Union, 
which established your request that we issue to you a TruWest 
Credit Union Visa Card.

3. RESPONSIBILITY:
When we issue you a Card(s), you agree to repay all debts 
and FINANCE CHARGES arising from the use of the Card(s) 
and the Card account. For example, you are responsible 
for charges made by yourself, your spouse, and your minor 
children. You are also responsible for charges made by anyone 
to whom you give the Card(s). This responsibility continues until 
the Card(s) is recovered. You cannot disclaim responsibility by 
notifying us. We will close the account for new transactions if 
you so request. You shall destroy all Cards. Your obligation to 
pay the account balance continues even though an agreement, 
divorce decree or other court judgment to which we are not a 
party may direct you or other persons responsible to pay the 
account. Any person using the Card(s) is jointly and severally 
liable with you for charges he or she makes. Any person who 
signs the Card(s) becomes a party to this Agreement and 
is jointly and severally liable for all charges on the account 
balance, including yours.

4. CREDIT LIMIT:
We will establish a self-replenishing line of credit to be drawn 
upon as you utilize your TruWest Credit Union Visa Card. 
The amount of the credit limit will be based upon a variety of 
factors, including, but not limited to, your ability to pay and your 
creditworthiness. You agree not to request advances or make 
purchases that would exceed your credit limit at any time. We 

will advise you of your credit limit in writing and it will become 
part of this agreement by reference. You agree to advise us of 
any change(s) in your 昀椀nancial condition, which may a昀昀ect your 
creditworthiness.

5. USING THE CARD:
To make a purchase or to request a cash advance, you may 
1) use the Card at a participating Visa plan merchant, TruWest 
Credit Union or another 昀椀nancial institution; 2) use the Card in 
conjunction with your Personal Identi昀椀cation Number (PIN) at 
an Automated Teller Machine (ATM) or other type of electronic 
terminal that provides access to the Visa system; 3) use the Card 
in a telephone sales transaction; or 4) use the Card in a mail 
order transaction. A monthly statement will identify the merchant, 
Your Visa Card Agreement, Disclosure and Billing Rights Notice 
E昀昀ective 9/23/11 electronic terminal or 昀椀nancial institution where 
transactions were made. You should retain all sales, cash 
advance, credit or other slips received at the time of transaction 
to verify your monthly statement.

6. GRACE PERIOD:
Grace period is 25 days from the statement Closing Date 
(provided you have paid in full the New Balance Total from the 
previous statement by its Payment Due Date).

7. COLLECTION COSTS:
If you are in default and we demand payment in full, you 
understand that you will be charged FINANCE CHARGES on 
the unpaid balance at the monthly periodic rate shown in the 
FINANCE CHARGES section in the supplemental disclosure, 
collection costs and late charges, if any, until you repay your loan. 
You also agree to pay our reasonable attorney’s fees and
court costs.

8. LIABILITY FOR UNAUTHORIZED USE:
You should retain copies of all charge slips until you receive 
your statement, at which time you should verify that the charges 
are true and the amounts unaltered. You may be liable for the 
unauthorized use of your Visa card. You may not be liable for 
unauthorized use(s) of your Visa card that occur after you have 
noti昀椀ed us of the loss, theft or possible unauthorized use of your 
Visa card. You must notify TruWest Credit Union within two (2) 
days of learning of the loss, theft or possible unauthorized use of 
your Visa card. You must notify TruWest Credit Union in writing at

TruWest Credit Union
PO Box 78637
Phoenix, AZ 85062-8637
or by calling us at the phone numbers listed in Section 9 of this 
Agreement. Your liability for unauthorized use of your credit 
card will not exceed $50.00. Unauthorized use does not include 
use by a person to whom you have given the Visa card or use 
by a person to whom you have given authority to use the Visa 
card. You will be liable for use by such users. To terminate this 
authority, you must retrieve the Visa card from the previously 
authorized user and return it to us at the address mentioned 
above along with a letter explaining why you are doing so.

9. LOST OR STOLEN CARD(S):
Please notify us immediately of the loss, theft, or possible 
unauthorized use of your Visa Card(s) at 1 (855) 878-9378.

10. CARD ACCEPTANCE:
Some purchases will require our prior authorization. You may 
be asked by the merchant to provide identi昀椀cation with your 
transaction. If our authorization system is not working, we 
may not be able to authorize a transaction, even if you have 
su昀케cient available credit. We will not be liable to you when 
these events occur. We are not responsible for the refusal of 
any merchant to accept or honor your Visa Card(s).

11. RETURNS & ADJUSTMENTS:
Merchants and others who honor the Visa Card may give 
credit for returns or adjustments by remitting to you a credit slip 
and by sending us a noti昀椀cation. We will post any returns or 
adjustments to your account upon merchant noti昀椀cation. If your 
credits and payments exceed what you owe, we will apply the 
excess against future purchases and cash advances. We will 
refund any account credit over $1.00 upon your written request 
or automatically after six (6) months.

12. FOREIGN TRANSACTIONS:
If you incur a charge in a foreign country where there is 
no currency conversion, the transaction will incur an eight-
tenths (0.8) percent fee. If the transaction requires a currency 
conversion, TruWest Credit Union will convert the charge into a 
U.S. Dollar amount. We will use the procedures in e昀昀ect at the 
time that the transaction is processed. Currently the currency 
conversion rate to be used is either (1) a wholesale market 
rate or (2) a government-mandated rate in e昀昀ect one (1) day 
prior to the processing date, increased or by one (1) percent 
for multi-currency transactions. The currency conversion rate in 
e昀昀ect on the processing date may di昀昀er from the rate in e昀昀ect 
on the transaction date or the posting date. Transactions in 
certain countries may be blocked and will require a manual or 
verbal authorization for approval. Please check with the Credit 
Union prior to departure to determine if your destination country 
is a昀昀ected. The right to deny such transactions is within the 
sole discretion of the Credit Union and a昀昀ected countries may 
change at any time.

13. EFFECT OF AGREEMENT:
The terms and conditions of this Agreement shall be controlling 
and apply to all transactions on your account.

14. CHANGE IN TERMS:
We may change any term or part of the Agreement, including 
FINANCE CHARGE rate, fee or method of computing any 
balance upon which the FINANCE CHARGE rate is assessed, 
by sending you a written notice to the address noted on our 
records at least forty-昀椀ve (45) days prior to the e昀昀ective date 
of the change. Such changes will apply, in accordance with 
applicable laws and regulations, to the Card(s), except for an 
increase in the FINANCE CHARGE rate, which will apply only 
to new transactions made under this Agreement.

15. TERMINATION/CARD CANCELLATION:
The decision of the Credit Union will be 昀椀nal and binding, 
should it 昀椀nd that good cause exists for terminating this 
Agreement. You will be in default under this agreement upon: 
(a) your failure to make the Minimum Payment when due; 
(b) your violation of any other provision of this Agreement; 

(c) your death; (d) your becoming the subject of a bankruptcy 
or insolvency proceeding; (e) your becoming the subject of 
an attachment, foreclosure, repossession, lien judgment or 
garnishment proceeding; (f) your failure to supply us with any 
information we reasonably deem necessary; (g) your supplying 
us with misleading, false, incomplete or incorrect information; 
(h) our receipt of information that you are unwilling or unable to 
perform the terms or conditions of this Agreement; (i) indication 
by our reporting agencies of your serious delinquency; (j) your 
moving out of the U.S. or providing us with a non-U.S. mailing 
address; (k) your becoming incompetent; (l) your exceeding your 
credit limit; (m) your payment is returned unsatis昀椀ed by a bank 
or 昀椀nancial institution for any reason; or (n) any credit card check 
is returned unpaid by us. You will be advised of the reasons for 
any adverse actions. When your Account is closed, you agree 
to destroy your Card(s) and return to us any unused credit card 
checks. We will not honor any credit card check(s) we receive 
after your Account has been cancelled. After your default, your 
Account balance will continue to accrue FINANCE CHARGES 
at the contract rate. Upon default, we have the right to terminate 
or suspend your credit privileges under this Agreement, change 
the terms of your Account and this Agreement, require you to 
pay your entire Account balance including all accrued but unpaid 
charges immediately, and sue you for any amount owed to 
us. Upon default, you will pay related court costs, reasonable 
attorneys’ fees, and other collection costs to the extent permitted 
by the law in the state in which you reside. Upon default, we will 
apply your payments in the following order: (1) attorneys’ fees; (2) 
principal balance; and (3) unpaid FINANCE CHARGES.

16. CLOSING YOUR ACCOUNT:
You can cancel or close your Account by notifying us in writing. 
Your notice becomes e昀昀ective within 昀椀ve (5) days after we receive 
it. When you cancel the Account, the remaining outstanding 
balance will continue to accrue FINANCE and other charges and 
is subject to the terms and conditions of 
this Agreement.

17. GOVERNING LAW:
You understand and agree that this Agreement is made in Arizona 
and shall be governed and construed according to the laws of the 
State of Arizona to the extent that Arizona law is not inconsistent 
with controlling Federal laws.

18. CREDIT INFORMATION:
You authorize us to investigate your credit standing when 
opening or reviewing your account. You authorize us to disclose 
information regarding your account to credit bureaus and other 
creditors who inquire of us about your credit standing to the extent 
authorized by law.

19. WAIVER:
We may delay enforcing our rights under this Agreement without 
losing them. A waiver of any right by us shall not be deemed a 
waiver of other rights or of the same right at 
another time.

20. ACKNOWLEDGEMENT:
This Visa Agreement and Supplemental disclosure have been 
furnished to you by TruWest Credit Union. You acknowledge 

receipt of and acceptance of said Agreement by the signing, 
acceptance, and/or use of the Visa Card issued to you. You 
hereby accept all of the terms and conditions of this Visa Card 
Agreement and Disclosure Statement. 

21. CREDIT REPORTING:
If you fail to ful昀椀ll the terms of your credit obligation, a negative 
report re昀氀ecting on your credit record may be submitted to a 
credit reporting agency. If any speci昀椀c information related to your 
Account transactions or credit experience with us is inaccurate, 
you may request us to correct the inaccurate information (after 
con昀椀rmation of the alleged error) reported to any credit reporting 
agency by notifying us in writing at TruWest Credit Union, PO Box 
78637, Phoenix, AZ 85062-8637.

22. INTERNET GAMBLING:
Internet gambling may be illegal in the jurisdiction in which you 
are located; if so, you are not authorized to use your Visa Card 
to complete these transactions. The Credit Union assumes no 
responsibility or culpability whatsoever for any illegal use of 
the Card.

YOUR BILLING RIGHTS:
This notice contains important information about your rights and 
our responsibilities under the Fair Credit Billing Act.

KEEP THIS NOTICE FOR FUTURE USE.

1. PROCEDURES TO NOTIFY US IN CASE OF ERRORS OR
QUESTIONS ABOUT YOUR STATEMENT:
If you think your statement is wrong, or if you need more 
information about a transaction on your statement, notify us in 
writing on a separate sheet at TruWest Credit Union, PO Box 
78637, Phoenix, AZ 85062-8637. Write us as soon as possible. 
Do not send the notice on or with your payment. We must hear 
from you no later than sixty (60) days after we send you the 昀椀rst
statement on which the error or problem appeared. You can call 
us at 1 (855) 878-9378, but doing so will not preserve your rights. 
You must include the following information in your notice: (1) your 
name and account number; (2) the dollar amount of the suspected 
error; (3) the posting date of the transaction in question; and (4) a 
description of the error and an explanation, if you can, of why you 
believe there is an error. If you need more information, describe 
the item you are not sure about.

2. YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE 
RECEIVE YOUR WRITTEN NOTICE:
We must acknowledge your letter within thirty (30) days, unless 
we have corrected the error by then. Within ninety (90) days, 
we must either correct the error or explain why we believe the 
statement was correct. After we receive your letter, we cannot try 
to collect any amount you question or report you as delinquent. 
We can continue to bill you for the amount you question, including 
FINANCE CHARGES, and we can apply any unpaid amount 
against your credit limit. You do not have to pay any questioned
amount while we are investigating, but you will still be obligated 
to pay the parts of your statement that are not in question. If 
we 昀椀nd that we made a mistake on your statement, you will not 
have to pay any FINANCE CHARGES related to the questioned 
amount(s). If we did not make a mistake, you must pay all 

FINANCE CHARGES and missed payments on the questioned 
amount(s). We will send you a statement of the amount you owe
and the date it is due. If you fail to pay the amount we think 
you owe, we may report you as delinquent. However, if our 
explanation does not satisfy you and you write us within ten (10) 
days telling us that you still refuse to pay, we must tell anyone we 
report to that you have a question about your
statement, and we must tell you the name of anyone we report 
you to. We must tell anyone we report you to that the matter 
has been settled between us when it is 昀椀nally resolved. If we do 
not follow these rules, we cannot collect the 昀椀rst $50.00 of the 
questioned amount, even if our statement was correct.

3. SPECIAL RULES FOR CREDIT CARD PURCHASES:
If you have a problem with the quality of property or services that 
you purchased with your Visa 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 property or 
services. There are two limitations on this right:

a. You must have made the purchase in your home state 
    or, if not within your home state, within 100 miles of your  
    current mailing address; and
b. The purchase price must have been more than $50.00.
        These limitations do not apply if we own or operate the       
        merchant or if we mailed you an advertisement for the    
        property or services.

TruWest® Credit Union
Federally Insured by NCUA

1667 N Priest Dr, Tempe, AZ 85281
1 (855) 878-9378