Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account. Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed. You should keep this notice for future reference.
You may authorize a third party to initiate electronic funds transfers between your account and the third party’s account. These transfers to make or received payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third party transfers will require you to provide the third party with your account number and bank information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your bank and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic funds transfers. Examples of these transfers include, but not limited to:
If you have requested access to Telebanker, you may access your account by telephone 24 hours 7 days a week by calling 1-877-252-3084. To use Telebanker, you will need a touch-tone phone, account number in question, and your personal access code to:
For security, we request that you change your personal access code within 48 hours of opening your account. If the personal access code has not been changed within 30 days, Telebanker will be inactivated
ATM transfer types, limitations, and fees – You may access your account(s) by ATM using your ATM card and personal identification number or debit card and personal identification number to:
Some of these services may not be available at all terminals.
You may access the primary checking account linked to the card to purchase goods (online, in person or by phone), pay for services (online, in person or by phone), get cash from a merchant, or from a participating financial institution, and do anything that a participating merchant will accept.
Dollar limitations – Using your card:
We do not allow international transactions to be processed on our ATM/Debit Cards.
You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located.
Types of transfers – You may access your account(s) via the Internet 24 hours a day at www.ffsbky.com. Accessing the account requires a personal l user id and password, to:
Except as indicated elsewhere, we do not charge for these electronic funds transfers.
ATM Operator/Network Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).
Call or write us at the telephone number or address listed in this disclosure in time for us to receive your request 3 business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call.
Please refer to the Retail Pricing Guide for the stop payment fee we will charge you for each stop-payment order you give.
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:
We will disclose information to third parties about your account or the transfers you make:
If you do NOT tell us within 2 business days after you learn of the loss or theft of your card and/or personal identification number, and we can prove we could have stopped someone from using your card and/or personal identification number without your permission if you had told us, you could lose as much as $500.
Also, if your statement shows transfers that you did not make, including those made by card, personal identification number, or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.
If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.
In Case of Errors or Questions About Your Electronic Transfers: Call or write us at the telephone number or address listed in this brochure, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must here from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.
If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.
We will determine whether an error occurred within 10 business days (5 business days for Debit card point-of-sale transaction and 20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transactions) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (5 business days for Debit Card point-of-sale transactions and 20 business days if the transfer involved a new account) 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 10 business days, we may not credit your account. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened.
We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation.
You may ask for copies of the documents that we used in our investigation.
FIRST FEDERAL SAVINGS BANK
INFORMATION SYSTEMS DEPARTMENT
2323 RING ROAD, P.O. BOX 5006
ELIZABETHTOWN, KENTUCKY 42702-5006
Business Days: Monday through Friday
Excluding Federal Holidays
Phone: (270) 765-2131 or 1-800-314-2265
MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST
The ATM PIN issued to you is for your security purposes. The numbers are confidential and should not be disclosed to third parties or recorded on the card. You are responsible for safekeeping you PIN(s). You agree not to disclose or otherwise make your ATM PIN available to anyone.
Notices – All notices from us will be effective when we have mailed them or delivered them to your last known address on our records. Notices from you will be effective when received by us at the address specified in the Agreement. We reserve the right to change the terms and conditions upon which this service is offered. We will mail notice to you at least twenty-one (21) days before the effective date of any change, as required by law. Use of this service is subject to existing regulations governing your account and any future changes to those regulations.
Enforcements – In the event either party brings a legal action to enforce this agreement or collect amounts owing as a result of any Account transaction, the prevailing party shall be entitled to reasonable attorney’s fees and costs, including fees on any appeal, subject to any limits under applicable law.
Termination of ATM Services – You agree that we may terminate this Agreement and your use of the ATM Card services if:
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.
When you want to use your card to purchase goods or services from a merchant or to make a cash withdrawal from a financial institution, such merchant, company or financial institution may be required to obtain authorization for transactions over a certain dollar amount. As a security measure, we limit the amount, which may be withdrawn from your account by use of the card over certain periods of time. We may otherwise limit the use of your card at our discretion, and the privilege of using your card in no way constitutes an absolute right to withdraw funds from your account through the use of your card. If a transaction is approved, we reserve the right to, place a hold on your account, or your card, for the approved amount. This means we may not approve subsequent transactions, and we may not pay other items drawn on your account even if the approved transaction is not completed. We will have no liability to you if, as a result of holds placed on your account when we approve any authorized use of your card, we refuse to pay any check, draft or other item drawn on your account. We will also have no liability to you if we do not authorize your use of the card for any reason.
The card is not a credit card. If any sales draft originated by the use of your card results in an overdraft of your account, you will be notified and you agree to make immediate payment to us of the amount of such overdrafts together with such insufficient funds change and/or daily overdraft service charge as set forth in the account terms for your account or Retail Pricing Guide. Card privileges will be revoked if your account is overdrawn for 30 consecutive days. If you have overdraft protection, payment of overdrafts will be subject to the terms of the overdraft protection account agreement.
You agree to pay us immediately for the amount of any sales drafts, originated by the use of the card, which cannot be charged to your account because it is closed or the funds are otherwise unavailable for withdrawal. In which event, you also agree to immediately discontinue use of your card and return the card to us.
We may refuse to issue a card and we may revoke your card privileges with or without cause or notice, other than that required by Federal or State law. Your card at all times remains our property and may be repossessed by us at any time. Upon cancellation of cardholder privileges, you must surrender the card to our authorized agent or us. You agree not to use or attempt to use an expired, revoked or otherwise invalid card. If the card is used other than as permitted by this agreement, we may, at our option and without waiving any rights recognize the transactions and debit or credit your account accordingly. The cancellation of card privileges, by you or by us, does not affect other rights and privileges under the account terms for your account.
