WESTconsin Credit Union Reloadable Visa® Card
Terms and Conditions
The following are your WESTconsin Credit Union Reloadable
Visa® Card Terms and Conditions. "Agreement" means these Reloadable Visa
Card Terms and Conditions. "We" "us" and "our" refer to
Credit Union (hereafter referred to as WESTconsin CU). "You" and "your" refer to
the person who has obtained a Visa Card from us. "Card" means the primary
WESTconsin CU Reloadable Visa Card and any secondary WESTconsin CU
Reloadable Visa Cards obtained from us. When not specified in the
Agreement, “Card” refers to Personalized and Non-Personalized Cards. Our
"Business Days" are Monday through Friday and exclude Federal holidays.
We agree to maintain the Card for you and to perform
according to this Agreement. By obtaining a Card from us, activating the Card,
using the Card or by permitting anyone else to use the Card, you agree to the
provisions of this Agreement, which is subject to amendment, and further agree
that this Agreement is binding on your successors, representatives and assigns.
We may from time to time adopt new or amended provisions and change the terms of
this Agreement or any features of the Card, which will be effective after notice
has been posted on our website westconsincu.org, or as otherwise permitted by
law. Provisions changed pursuant to regulatory authorities shall be effective
per such regulation without further notice.
Ownership and Use of the Card
must be a WESTconsin CU member in good standing and a citizen or resident of the
U.S. with a valid social security number to purchase and use this Card. The Card is and
will remain our property. However, you will be solely and completely responsible
for the possession, use and control of the Card. You must surrender the Card to
us immediately upon request. The Card may not be used for Internet lottery,
betting, or gambling transactions or for any illegal transactions.
Card Activation, Registration and PIN number
Please sign the back of your Card immediately upon
receipt. You may register and activate your Card by
(866) 760-3156. For validation purposes, you will be required to provide personal information. Once activated, you may begin using your Card. For online and phone transactions, you will also need to register your Card. The account information you provide must be the same billing account information as when you make a purchase online or by phone; a difference may lead to a declined authorization.
A PIN is required to access cash from ATMs
and to use at some merchants. The PIN will automatically be assigned after you
activate your Card. Once you have your initial PIN, you may also select your own
or calling (866) 760-3156.
You may request up to four additional Secondary Cards for $3.00 apiece. The Secondary Card(s) will be linked to your primary account and share access to the same funds, but will be embossed with the Secondary’s name and have a different Card number(s). Secondary Cards will be mailed to the Primary Cardholder’s address and need to be activated separately. As the Primary Cardholder, you are responsible for all authorized transactions made with a Secondary Card.
You agree to
take all necessary steps to protect your PIN and never disclose your PIN to
anyone. For security purposes never write your PIN on the Card and never carry a
record of your PIN in your purse or wallet. If you permit someone else to use
your Card and you give that person your PIN, we will treat this as if you have
authorized this person to use your Card and you will be responsible for any
transactions initiated by such person with your Card.
We advise that any person
to whom you may give an additional Secondary Card should be advised to treat the
PIN for that Card in the same manner.
Using Your Card
The Reloadable Visa Card
is a prepaid stored-value card. It is neither a credit card, nor a NCUA insured
deposit account. This Card is issued by WESTconsin CU pursuant to a license from
Visa U.S.A, Inc. Your Card allows you to access your prepaid funds at ATMs which
display the Visa brand and at merchants who accept Visa Debit cards worldwide.
The Card may not be used at some merchants, including non-financial money
exchange establishments and gambling establishments. You may use your Card only
in the manner and for the purposes authorized by this Agreement.
The Card is
non-transferable. The person who purchases the Card is the only person
authorized to use the Card. Please do not give your Card to anyone else to use.
The Card can only be used when a balance is available and only up to the amount left on the Card including any transaction fee due. Any entity honoring the Card is required to obtain approval or authorization for the transaction. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined; however, if you are given value through the use of the Card greater than the balance remaining, you will be required to reload funds onto the Card to cover the negative amount. If you do not initiate the reload, we reserve the right to apply funds in any of your accounts with us to your Card to cover the negative amount.
To make a purchase greater than
the balance on your Card, you will need to use a second payment method-cash,
check, credit or debit card-to cover the difference. Please tell the cashier the
exact amount to deduct from your Card and how much you will pay with the second
payment method. We do not guarantee that the establishment will fulfill this
You can withdraw a maximum of $510.00 a day from an ATM and authorize purchases up to a maximum of $2,500.00 a day. The Primary and Secondary Cards share in these limits. Cash may be advanced at a Visa affiliated financial institution.
Your Card will expire on the last day of the month of expiration date displayed on the front of the Card. If the first day of the month before the Card expires the balance on your Personalized Card is greater than $20.00 and you had activity in the preceding 180 days, your Card will automatically reissue to the address on file. If both of these conditions are not met, the Personalized Card will not reissue. Non-Personalized Cards are not eligible for reissue. We will make a good faith effort to return to you a credit balance of $20.00 or greater which remains on your expired Card that has not been renewed.
You do not have the right to stop payment on any purchase transaction
originated by use of the Card. If you commence a purchase and then change your
mind and fail to make the purchase after the merchant has already obtained an
“authorization” for the transaction, the “authorization” may result in a
temporary hold for that amount of funds.
We are not responsible for any injury
to you or to anyone else caused by any goods or services purchased or leased
with your Card. If you are entitled to a refund for any reason for goods or
services obtained with a Card, you agree to accept credits to your Card in place
Card Activity Information
You can review your Card balance and details
of your transactions by
or you may call (866) 760-3156 for your
Card balance and the last 5 transactions. This information is available to you
24 hours a day, 7 days a week. Your WESTconsin CU Reloadable Visa Card number
and some of the information requested when you ordered the Card are required for
Signing up for Text Message Alerts
Once your Card is activated,
to enroll your Card for free text message alerts. On the My
Account-Overview screen, in the Account Activities drop down menu, choose
“Enroll in Text Message (SMS) Alerts”. Enter your mobile number and then choose
what type of alerts you would like to receive. Should you ever wish to
discontinue receiving text alerts, simply come back to this section and click
“UNSUBSCRIBE” or text STOP + the last 4 digits of the card to 91315. Message and
data rates may apply.
Loading Your Card
The minimum Initial Load/Reload is $20 and the maximum Initial Load/Reload is $2,500, subject to the $2,500
maximum that can be on your Card. Only the primary cardholder can load funds to
the Card. All of your Cards share in the Initial Load and Reload amounts.
can Reload your Card using your WESTCheck debit card or WESTconsin Visa credit
. You can also Reload your Card by visiting your local
WESTconsin CU office or by calling (800) 924-0022. Personalized cards can be
reloaded three times every seven days. Non-Personalized cards are limited to
four loads including the initial load.
Funds may not be available for immediate
use after you have initiated the Load/Reload.
ATM use is subject to a
transaction withdrawal limit of $510 per day. You will receive unlimited balance
inquiries and four (4) free ATM withdrawals per month. A $1.25 fee will be
charged for each additional ATM withdrawal. There may be other limitations on
the types, frequency, and timing of cash withdrawals established by us from time
to time, without notice, for security purposes.
The frequency, amount, and
timing of cash withdrawals made from ATMs may be limited by the ATM operator. An
additional fee may be imposed by an ATM operator when you initiate a withdrawal
or balance inquiry and by any ATM network used to complete the transaction. This
surcharge may not be notified to you in advance and will be deducted from the
If a transaction is made in a currency other than that
loaded on the Card, the amount will be converted into the appropriate currency
at an exchange rate on the day the transaction is processed. The exchange rate
used to determine the transaction amount in US dollars is the wholesale money
market or the government-mandated rate increased by 1% (includes the Visa
handling charge of 1%).
If we do not complete a transfer from the
Card on time or in the correct amount according to these terms and conditions we
will be liable for your losses or damages; however, there are some exceptions.
We will not be liable, for instance:
If through no fault of ours, an ATM or
merchant refuses to honor the Card.
If through no fault of ours, you do not
have enough money available on your Card to make a withdrawal or purchase.
the terminal or system was not working properly and it was known about when the
If circumstances beyond our control (such as flood or
fire) prevent the transfer, despite reasonable precautions that we have taken.
Other exceptions stated in these terms and conditions.
Errors or Questions
you think there is an error involving a transaction made with your Card such as
a purchase you didn't make or an incorrect amount charged to your Card, please
call us at (866) 760-3156 or write to us at: Cardholder Services, PO Box 7235, Sioux Falls, SD 57117-7235. If you tell us orally, we may require that you send
your claim or question in writing within 10 business days.
We must hear from you
no later than 60 days after the transaction is posted to your account. Tell us
your name and Card number. Describe the error or the transaction you are unsure
about, and explain as clearly as you can why you believe it is an error or why
you need more information. Tell us the dollar amount of the suspected error.
Generally, we will tell you the results of our investigation within 10 business
days after we hear from you and will correct any error promptly. If we need more
time, however, we may take up to 45 calendar days to investigate your complaint
or question. If we ask you to put your complaint or question in writing and we
do not receive it within 10 business days, we may not re-credit your Card.
decide that there was no error, we will send you a written explanation within 3
business days after we finish our investigation and any credit made under the
preceding paragraph must be repaid by you. You may ask for copies of documents
that we used in our investigation.
Unauthorized Use of Your Card
liability policy may protect you from liability for certain unauthorized
transactions. Under our zero liability policy, unless you have been grossly
negligent or have been engaged in fraud, you will not be liable for any
unauthorized transactions made with your lost or stolen Card. If you are grossly
negligent or have engaged in fraudulent conduct, you could lose all the money in
your account. A transaction is unauthorized if it is not initiated by you, you
did not give permission to make the transaction and you do not benefit from the
transaction in any way.
If your account history has transactions that you did
not make or your Card is lost or stolen, tell us at once by calling (866)
760-3156. A replacement Card will be issued for the balance remaining on the
Card at the time it is reported lost or stolen (subject to unauthorized use of
the Card). If you do not tell us within 60 days after the transaction posted to
your account, you may not get back any money you lost if we can prove we could
have stopped someone from fraudulently using the Card if you had told us in
time. If we believe that a good reason kept you from telling us, we will extend
the time periods. It is important to continually monitor your transaction
history to identify any unauthorized transactions.
Visa’s Zero Liability policy
means 100 percent protection for you. Visa’s enhanced policy guarantees maximum
protection against fraud. You now have complete liability protection for all of
your Card transactions that take place on the Visa system. Should someone steal
your Card number while you’re shopping, online or off, you pay nothing for this
Right to Restrict Access
We may restrict access to your
Card, temporarily or permanently, if we notice suspicious or potentially illegal
activity in connection with the Card. We have no liability for restricting
access to the Card because of suspected suspicious activity.
Right to Revoke
The Card is our property and we may revoke the Card at any time without
cause or notice. You must surrender a revoked Card and any Additional Card and
you may not use an expired or revoked Card. Upon revocation, any amount
remaining on your Card will be refunded to you less any applicable fees.
We reserve the right to terminate this Agreement or any of the
services that are described herein by giving you written notice. You may, at any
time, terminate this Agreement by calling us at (866) 760-3156. Termination will
not affect any of our rights or your obligations arising under this Agreement
prior to termination.
We may at any time and without notice to you
assign the Card, this Agreement or any of our rights or obligations under the
Card or this Agreement to any person or entity. The person or entity to which we
make any such assignment shall be entitled to all our rights and/or obligations
under this Agreement, to the extent assigned.
$5.00 Silver Membership Value Pricing
$3.00 Gold Membership Value Pricing
Secondary Card Fee
$2.50 per month (fee waived for the first twelve months)
Rush Delivery Fee
Foreign Exchange Fee