Additional Services

CU24

Need access to your money while out of town? No problem! Cabot Community Credit Union is proud to be part of the CU-24 program. Access your Cabot Community Credit Union accounts at over 10,000 ATM locations across the nation.

What does this mean for you?

• Free ATM withdrawals

• Ability to find the closest ATM to your location while traveling

• Easily locate one wherever you are - through any of your locator tools, including phone, mobile app, or internet

Locate one now at CU24.com

Debit Cards

• Get a Visa™ Debit Card FREE with your checking account

• It looks like a Visa and works like a check. Use it anywhere Visa is accepted for purchases or cash

• Visa™ Debit Card is a convenient and safe way to pay for purchases

• With a Visa™ Debit Card, you can purchase what you want, when and where you want it

Using your debit card is faster than a trip to the bank, more convenient than writing checks, and safer than carrying cash. With your Visa™ Debit Card, shopping at home, online or at locations around the world has never been easier.
When you use your Visa™ Debit Card, the payment is automatically debited directly from your bank account. Your monthly bank statement provides you with a record of all your Visa™ Debit Card purchases.

Card Activation

For card activation, call (888) 263-3370. You must call from your primary phone number and provide the last 4 digits of your SSN.

To change your PIN, call (888) 263-3370. The current PIN must be input prior to being able to select a new PIN.

Lost or Stolen Card

What to do when you lose your debit card?
Call the Credit Union as soon as you realize that it is missing.
(806) 665-0847

If it is after hours or on the weekend:
Call the customer service number for Transfund (our Card Processor) at (888) 263-3370 and they will be glad to assist you.
They can locate your card number by your social security number and date of birth.
They will review recent transactions and cancel your card along with assigning you a new number to be mailed out quickly. It is very important to report a lost or stolen card immediately to avoid fraud and possible monetary responsibility for untimely reporting.

Disclosures

Electronic Fund Transfer Disclosure Statement for Internet Banking

This Agreement and Disclosure provides information about Cabot Community Credit Union Internet Banking Account Access service and contains the disclosure required by the Electronic Funds Transfer Act. For the purpose of this agreement, "you" and/or "your" shall refer to each Member who is eligible and signs up for Internet Banking; "we", "us" "Credit Union" and/or "CCCU" shall refer to Cabot Community Credit Union where the Member has the accounts accessed through Internet Banking. The following information describes the various types of Electronic Fund Transfers that are available to members with Internet Banking service and your rights and responsibilities concerning these transactions, including your rights under the Electronic Fund Transfers Act. Please read this document carefully. You may want to print or save this document for future reference, or if you would like a paper copy you may notify us at the telephone number or address listed in section titled "In Case of Errors or Questions About Electronic Transfer".

Electronic Fund Transfers are deposits to, withdrawals from, or transfers between your accounts that are not originated by check, draft or similar paper instrument. If your account(s) involves such transfers, you have certain rights under the law, which are described below. Please contact us at the telephone number or address listed in section titled "In Case Of Errors or Questions About Electronic Transfers" if you have any questions or problems.

Types of Electronic Fund Transfers Available on Internet Account Access:
With access to the World Wide Web, your member number and your Touch Tone Teller PIN (Personal Identification Number) you may perform the following transactions at any time, 24-hours per day: balance inquiries, account and loan history inquiries; transfers from one of your Credit Union accounts to another of your accounts within the same member number (see account transfer limitations listed below); loan payments to the Credit Union from one of your Credit Union accounts under the same member number.

Another function available on the Internet Account Access service is the capability of downloading account history files to be used as import files in Quicken™ or MS Money™.

Limits on Withdrawals/Transfers:
1. For Share Savings Accounts only: During any month, you may not make more than six withdrawals or transfers to another Credit Union account of yours or to a third party by means of a pre-authorized or automatic transfer (including overdraft protection) or telephonic order (Touch Tone Teller) or through E-Branch. No more than three of the six transfers may be made by check, share draft, debit card or similar order to a third party. If you exceed these limitations, your account may be subject to a fee or be closed. For Share Savings account, no more than four (4) withdrawals allowed per month, after which a fee may be charged.

PLEASE NOTE: Transfers completed in person at a Credit Union office, through an ATM or POS facility, or by a withdrawal check mailed directly to you are not counted toward the limit of six/three per month.

Your Ability to Stop Payments:
Unless otherwise provided in this agreement, you may not stop payment of Electronic Funds Transfers. Therefore, you should not employ electronic access for purchases or services unless you are satisfied that you will not need to stop payment.
The initiation by you of certain Electronic Funds Transfers from your account will, except as otherwise provided in this agreement, effectively eliminate your ability to stop payment of the transfer.

Documentation of Transfers:
1. You will receive a confirmation screen with reference information after every transfer you make. You may save or print this information for your records.
2. Your monthly statement will show all electronic fund transfers.
3. Any documentation provided to you that indicates that an Electronic Funds Transfer has been made shall be admissible as evidence and proof that such transfer was made.

Business Days:
Our business days are Monday through Friday. Holidays are not included. If the end of a calendar month falls on a Saturday or Sunday, the Credit Union will frequently "close its books" for that month after the last business day but before the last actual day of the month. Transfers made using Internet Banking after the books are closed will be treated for dividend calculation purposes as if they occurred on the first business day of the next month and will be reported on the statement applicable to the next month; but they will be shown on that statement as having occurred on the actual calendar day you made the transaction. If having a record of the date on which you make a loan payment is important to you for income tax reporting purposes, you may want to make the payment on or before the close of the last business day of December to make sure it will appear on your Year-End Statement.

Credit Union Liability for Failure to Make Transfers:
If we do not complete a transfer to or from your account(s) on the date you specified or in the correct amount, we will only be liable for late charges, late penalties, and/or NSF charges accessed by merchants. However, there are some exceptions. We will not be liable if:
1. Through no fault of ours, you do not have enough money in your account to make the transfer;
2. Circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions we have taken.
3. We are legally restricted from transferring funds to or from your account; or
4. There may be other exceptions stated in our agreement with you.

Disclosure of Account Information to Third Parties:
In order to protect your privacy, we will not disclose any information about you or your account to any person, organization, or agency, except:
For certain disclosures necessary to complete the transfer;
For verification of the condition and existence of your account for a credit bureau or merchant;
1. To persons authorized by law in the course of their official duties;
2. To our employees, auditors, service providers, attorneys, or collection agents in the course of their duties;
3. Pursuant to a court order or lawful subpoena; or
4. By your written authorization, that will automatically expire after 30 days.

If an unauthorized disclosure has been made, we must inform you of the particulars of the disclosure within 3 days after we have discovered that an unauthorized disclosure has occurred.

If You Think There is an Error on Your Statement (Billing Errors)
In case of errors or questions about the transfers made with your PIN, if you think your periodic account statement or receipt is wrong or if you need more information about a transfer described on your statement or receipt, telephone us at (806) 665-0847 Monday thru Friday between 9:00 a.m. and 5:00 pm, (excluding holidays) or write us at P.O. Box 2217 Pampa, TX  79066-2217.

You must contact us only at this telephone number or address about errors or questions. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

When you call or write:
1. Tell us your name and account number.
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 possible, the date the suspected error first appeared on your statement.
4. Give us a telephone number where you can be reached during our business hours in case we need further information.

Note: Questions about Web Bill Payment Service transactions should first be directed to Customer Service at (800) 825-4321 before you contact the Credit Union.

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

We will inform you of the results of our investigation within ten (10) business days following the date you notified us. We will correct any error promptly. If we need more time, however, we may take up to forty-five (45) calendar days to investigate your complaint or question following the date you notified us. If we decide to use more time to investigate, within ten (10) business days following the date you notified us we will credit your account for the amount you think is in error, so that you will have use of the money during the time it takes us to complete the investigation. If we ask you to submit your complaint or question in writing and we do not receive it within ten (10) business days following your oral notification, we may not credit your account.

For transactions initiated outside the United States or in the event there are transfers resulting from a point-of-sale transaction, we will have twenty (20) business days instead of ten (10) business days, and ninety (90) calendar days instead of forty-five (45) calendar days, unless otherwise required by law, to investigate your question or complaint.

If we determine after our investigation that an error did not occur, we will deliver or mail (to your last known address) a written 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 member's rights to privacy) relied upon to conclude that the error did not occur.

Amendments:
We may amend the terms and conditions of this disclosure at any time. We will give you notice at least 30 days before the amendment becomes effective if the amendment results in greater costs or liability to you or stricter limitations on the transfers you may make. If however, an immediate change in the terms and conditions is necessary for security reasons, we may amend these terms and conditions without such prior notice.

Liability for Unauthorized Transfers:
You will be liable for unauthorized use of your E-Branch PIN to the extent allowed by applicable federal and state laws. Tell us AT ONCE, if you believe your PIN has been lost, stolen or used without your permission. Calling us is the best way of keeping your possible losses to a minimum. If you tell us within 48 hours, you can lose no more than $50 if someone used your E-Branch PIN without your authorization. If you do NOT tell us within 48 hours after you learn of the loss or theft of your E-Branch PIN, and we can prove we could have prevented someone from using your PIN without your authorization, you could lose as much as $500.

Charges:
E-Branch services is free of charge. If you select Web Bill Payment services, a monthly fee will apply. Click here to view the fee schedule. (Fee Schedule) The monthly fee will be deducted from your designated Share Draft account, as well as other service charges and fees provided for within other TECU agreements and disclosures.

YOUR INFORMATION AND ACCOUNT DATA WITH US. You are responsible for (i) maintaining the confidentiality and security of your access number(s), password(s), security question(s) and answer(s), account number(s), login information, and any other security or access information, used by you to access the Service, Debit Rewards Offers or any services provided in connection with them, and your accounts with us (collectively, "Licensee Access Information"), and (ii) preventing unauthorized access to or use of the information, files or data that you store or use in or with the Service, Debit Rewards Offers or any services provided in connection with them (collectively, "Account Data"). You are responsible for providing access and assigning passwords to other users, if any, under your account for the Service, Debit Rewards Offers or any services provided in connection with them, and ensuring that such authorized users comply with this Agreement. You will be responsible for all electronic communications, including account registration and other account holder information, email and financial, accounting and other data ("Communications") entered using the Licensee Access Information. It is assumed that any Communications received through use of the Licensee Access Information were sent or authorized by you. You agree to immediately notify us if you become aware of any loss, theft or unauthorized use of any Licensee Access Information. We reserve the right to deny you access to the Service, Debit Rewards Offers or any services provided in connection with them (or any part thereof) if we reasonably believe that any loss, theft or unauthorized use of Licensee Access Information has occurred. You must inform us of, and hereby grant to us and our third party vendors permission to use, Licensee Access Information to enable us to provide the Service, Debit Rewards Offers or any services provided in connection with them to you, including updating and maintaining Account Data, addressing errors or service interruptions, and to enhance the types of data and services we may provide to you in the future.
We may use anonymous, aggregate information, which we collect and store, or which is collected and stored on our behalf by third party vendors, to conduct certain analytical research and help us to create new offerings and services for our customers. As we make additional offerings and online banking services available to you, some of which may rely on banking information maintained in your accounts, you will have the opportunity to participate in the services if you choose. If you choose not to participate, you do not need to notify us. We may also use anonymous, aggregate information which we collect and store, or which is collected and stored on our behalf by third party vendors, to (i) conduct database marketing and marketing program execution activities; (ii) publish summary or aggregate results relating to metrics comprised of research data from time to time; and (iii) distribute or license such aggregated research data to third parties. Additionally, automated technology may be used to tailor messages or advertisements that best reflect your interest and needs.

YOUR INFORMATION AND ACCOUNT DATA WITH OTHER FINANCIAL INSTITUTIONS. Our financial management tools allow you to view accounts that you may have outside our financial institution (this is a process called "aggregation"). When you choose to use online financial services which are applicable to data that you have transacted with other financial institutions or card issuers, you are consenting to us accessing and aggregating your data from those outside financial institutions. That data includes your financial institution account access number(s), password(s), security question(s) and answer(s), account number(s), login information, and any other security or access information used to access your account(s) with other financial institutions, and the actual data in your account(s) with such financial institution(s) such as account balances, debits and deposits (collectively, "Financial Account Data"). In giving that consent, you are agreeing that we, or a third party vendor on our behalf, may use, copy and retain all non-personally identifiable information of yours for the following purposes: (i) as pertains to the use, function, or performance of the services which you have selected; (ii) as necessary or useful in helping us, or third parties on our behalf, to diagnose or correct errors, problems, or defects in the services you have selected; (iii) for measuring downloads, acceptance, or use of the services you have selected; (iv) for the security or protection of the services you have selected; (v) for the evaluation, introduction, implementation, or testing of the services you have selected, or their upgrade, improvement or enhancement; (vi) to assist us in performing our obligations to you in providing the services you have selected.

If we make additional online financial services available to you which are applicable to data that you have transacted with other financial institutions or card issuers, and which we will aggregate at this site, we will separately ask for your consent to collect and use that information to provide you with relevant offers and services. If you give us your consent, you will be agreeing to permit us to use Financial Account Data to help us suggest savings opportunities or additional products and services to you.

If you select services that are offered by third parties or merchants through such offers or on our behalf, you will be agreeing that we have your consent to give such third parties or merchants your geographic location, and other data, collected and stored in aggregate, as necessary for such third parties or merchants to make their offerings and services available to you and to permit us to use Financial Account Data to help us suggest savings opportunities or additional products and services to you. Except as specified here, we and the third parties or merchants acting on our behalf shall not use or keep any of your personally identifiable information.

THIRD PARTY WEBSITES. The Service may contain or reference links to websites operated by third parties ("Third Party Websites"). These links are provided as a convenience only. Such Third Party Websites are not under our control. We are not responsible for the content of any Third Party Website or any link contained in a Third Party Website. We do not review, approve, monitor, endorse, warrant, or make any representations with respect to Third Party Websites, and the inclusion of any link in the Service, Debit Rewards Offers or any other services provided in connection with them is not and does not imply an affiliation, sponsorship, endorsement, approval, investigation, verification or monitoring by us of any information contained in any Third Party Website. In no event will we be responsible for the information contained in such Third Party Website or for your use of or inability to use such website. Access to any Third Party Website is at your own risk, and you acknowledge and understand that linked Third Party Websites may contain terms and privacy policies that are different from ours. We are not responsible for such provisions, and expressly disclaim any liability for them.

EXPORT RESTRICTIONS. You acknowledge that the Service may contain or use software that is subject to the U.S. Export Administration Regulations (15 CFR, Chapter VII) and that you will comply with these regulations. You will not export or re-export the Service, directly or indirectly, to: (1) any countries that are subject to US export restrictions; (2) any end user who has been prohibited from participating in US export transactions by any federal agency of the US government; or (3) any end user who you know or have reason to know will utilize them in the design, development or production of nuclear, chemical or biological weapons. You further acknowledge that this product may include technical data subject to export and re-export restrictions imposed by US law.

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