Star One Credit Union
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ATM Card Agreement and Disclosure Statement

Table of Contents

  1. Definition of Parties
  2. Agreement Acceptance
  3. Account Access
  4. Electronic Check Transactions
  5. Charges and Fees
  6. Security
  7. Loss or Theft of Card
  8. Liability for Unauthorized Use
  9. Your Obligation
  10. Termination
  11. Amendment
  12. Ownership of Cards
  13. Honoring the Card
  14. Account Statement
  15. In Case of Errors or Inquiries of Your ATM Card Transactions
  16. Business Days
  17. Documentation
  18. Our Obligations
  19. Collections
  20. Privacy
  21. Address Change
  22. Phone Calls

    This ATM Card Agreement and Disclosure Statement (Agreement) covers your Automated Teller Machine (ATM) Card (Card) issued by Star One Credit Union (Credit Union). In this Agreement, the words "you", "your", and "yours" include any joint obligator, guarantor, authorized user, or the person whose name is embossed on the Card. The words "we", "us", and "our" mean Star One Credit Union.



    If you sign an application for a Card under this Agreement or sign or use any Card(s) issued, or allow others to use your Card, you will have accepted this Agreement just as if you signed it and you jointly and severally, will be bound by the following terms and conditions.



    You may use your Card together with your Personal Identification Number (PIN) in ATM equipment owned by the Credit Union. ATMs in the PLUS®, and CO-OP networks and other such machines (Network ATM), facilities or point-of-sale (POS) terminals that we may designate. Your Card must be linked to a checking account if you intend to make purchases at POS merchants (e.g. Interlink ®, PLUS®).

    You may use your Card at an ATM to withdraw cash from your savings or checking accounts up to a maximum of $500 in any one day. Individual ATM owners or ATM Networks may limit the amount of cash you may withdraw from an ATM. You may be assessed a service charge by the ATM owner for each transaction. The amount of this service charge must be displayed at each ATM and is included in the total transaction posted to your account statement. This service charge will be in addition to any other fee we may impose on your account.

    You may also use your Card to purchase goods or services at POS merchants and request cash back from your checking account up to a combined total (purchase plus cash back) of $500 in any one day. You may be assessed a service charge by the merchant for each transaction. The amount of this service charge must be posted at each POS terminal participating in the POS Network and is included in the total transaction posted to your account statement. You must have at least $35 available in your checking account at the time of the transaction to use this service. Individual merchants may limit the amount of cash back by policy or due to merchant's availability of cash on hand or they may require you to make a purchase to receive cash back. The total amount you may withdraw with your Card from your savings or checking account is $1,000 in any one day. This includes the $500 daily maximum ATM cash withdrawal limit and the $500 daily maximum Point of Sale transaction limit (including purchases and cash back).


    • Withdraw cash from your savings or checking up to a maximum of $500 in any one day;
    • Make deposits to your savings or checking accounts. The funds are generally available the day after the business day on which we process the deposit. In some cases, we may delay the availability of funds that you deposit by check. If we delay the availability of funds, we will send you a notice and tell you when funds will be available. Refer to the Membership and Account Agreement for details on our funds availability policy;
    • Transfer funds between your savings and checking accounts;
    • Make payments on your Credit Union loans;
    • Transfer from your savings or checking account to make payments on your Credit Union loans;
    • Access a preauthorized Credit Line or Home Equity Line Loan to advance cash or transfer funds to your other Credit Union accounts. If you access your Credit Line or Home Equity Line Loan at an ATM, that transaction will also be subject to the terms and conditions of your Credit Line or Home Equity Line Loan Agreement with us.


    • Withdraw cash from your savings or checking account up to a maximum of $500 in any one day;
    • Obtain account balance(s) on your savings or checking account.


    • Purchase goods or services at Interlink, PLUS or any other POS Network merchants we may designate and request cash back from your checking account up to a combined total (purchase plus cash back) of $500 in any one day.


    You may also use your Card and PIN outside the United States. Some ATMs outside the United States don't specify the type of account from which cash withdrawals are made. If you have a checking account designated for Network ATM access, most often the amount of the cash withdrawal will be deducted from that account. If you don't have a checking account designated, the withdrawal may be deducted from your savings account designated for Network ATM access. In addition, some ATMs outside the United States don't accept PINs of more than four digits or PINs containing letters instead of numbers. You may try to use only the first four digits of your PIN, otherwise contact us for instructions.

    If you use your Card to withdraw foreign currency from an ATM, your account will be charged for the U.S. dollar equivalent of the transaction. The financial institution at which you conduct the transaction, or the network to which the ATM belongs, determines the exchange rate and calculates the U.S. dollar equivalent. The financial institution or network may also charge a foreign transaction fee.

    Your ATM Card does not provide credit or overdraft protection. If you overdraw your account in connection with an ATM or POS transaction, you must promptly repay us. However, we may offer overdraft protection for your checking account. If on any day, the available funds in your checking account are not sufficient to cover transactions initiated with your ATM Card including preauthorization requests or posting transactions, these requests and transactions will be handled in accordance with our overdraft procedures or an overdraft protection plan you have with us. We may honor non sufficient funds (NSF) transactions by transferring the funds (in $100 increments) from one of the designated overdraft sources such as a savings, line of credit or VISA account to your checking account. The funds will be transferred from the first overdraft source that has sufficient funds to fully cover the amount of the overdraft.

    The transfers from your savings account to your checking account will be included in six (6) transfers that you are allowed to make savings account transfer count, the Credit Union may refuse or reverse the transfer, and your account will be subject to suspension or closure by the Credit Union, and the Credit Union may impose a charge. The fee for overdraft transfers is set forth in the Credit Union Rate and Fee Schedule. Transfers from your line of credit or VISA account will be governed by the applicable loan and VISA Credit Card agreement.

    You promise to pay the Credit Union immediately upon demand for any negative (overdraft) balance arising in your Account. If you do not have overdraft privileges, the Credit Union may deduct the amount of any overdraft on your Account from any other account you have with the Credit Union, except an Individual Retirement Account.

    If you use your Card at an ATM that is not operated by us, you may be charged an ATM surcharge by the ATM operator or an ATM network utilized for such a transaction. The ATM surcharge will be debited from your account if you elect to complete the transaction.

    You authorize us to honor any electronic check transaction and any re-presented check fee debit transaction you authorize (“electronic check transaction”). You agree that your authorization for an electronic
    check transaction occurs when you initiate such a transaction after receiving any notice regarding the merchant’s right to
    process the transaction, including any written sign provided by the merchant at the time of your transaction. All terms governing electronic funds transfer services will apply to electronic check transactions, except the $50 and $500 limits of liability for unauthorized transactions in the Liability for Unauthorized Use section. You remain responsible for notifying us of any unauthorized electronic check transaction shown on your statement.

    Star One Credit Union ATMs
    All transactions No Charge
    Network ATM Fees*
    First twenty (20) cash withdrawals per calendar month No Charge
    Twenty first (21) and subsequent cash withdrawals per calendar month $1.00 ea.
    All transactions - Access Plus Checking*** No Charge
     Deposits at CO-OP ATMs No Charge
    Network POS*
     Point of Sale Purchases No Charge
     *Additional Fees may be imposed by the machine owner; these fees should be disclosed at the machine.
     ***Accounts with deposit or loan balances that total $5,000 or more during the last five days of the previous calendar month will not be assessed the $1.00 fee.


    (a) Research and Copying Charge. If you ask us to examine your account or provide copies of documents, except in resolution of a billing error, we may charge you $3.00 for each statement copy and a $20.00 charge per hour may be imposed for the time we spend to research your account.

    (b) Overdraft Charge.  A $13.00 charge may be imposed for each transaction that overdraws your account.

    The Personal Identification Number (PIN) issued to you is for your security. The PIN is confidential and you are responsible for the safekeeping of your PIN. You agree not to disclose or otherwise make your Card or PIN available to anyone. For security reasons, please do not write your PIN on your Card or keep it in the same location as your Card. If you fail to maintain the security of your PIN and the Credit Union suffers a loss, we may terminate your account services immediately.



    You agree to notify us immediately, orally or in writing at Star One Credit Union, P.O. Box 3643, Sunnyvale, California 94088-3643, telephone 408 543-5202 or 866 543-5202 of the loss, theft or unauthorized use of your Card or other device which we supply to you.



    If you notify us immediately of the loss, theft, or unauthorized use of your Card or other device which we supply to you, you can lose no more than $50 if someone accessed your account without your permission. If you don't tell us within two (2) business days after you learn of the unauthorized use, and we can prove that we could have stopped someone from accessing your account without your permission if you had told us, you could lose as much as $500.

    Also, if your savings or checking account statement shows transactions that you did not make, contact us immediately. If you do not tell us, in writing, within sixty (60) days after the statement was mailed to you, you may be liable for amounts from unauthorized use occurring after sixty (60) days of the mailing date and before your notice, if we can prove that we could have stopped someone from making transfers if you had told us in time. If a good reason (such as a hospital stay) kept you from telling us, we will extend the periods.

    You agree to assist us in determining the facts, circumstances, and other pertinent information related to any loss, theft, or possible unauthorized use of your Card, Account Number or PIN and to comply with such procedures as we may require in connection with our investigation.


    You are responsible for all transactions you authorize using your ATM Card under this Agreement. If you permit other persons to use your Card or PIN, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once if you believe anyone has used your Account, Card or PIN without your authority.



    We may terminate or suspend your ATM privileges under this Agreement, at any time, in our sole discretion, without demand or notice. You must notify us in writing if you decide to terminate this Agreement. If you terminate this Agreement or if we terminate or suspend your ATM privileges, the provisions of the Agreement and your liability hereunder shall otherwise remain in full force and effect until all Cards issued to you have been canceled and/or returned to us and you have paid us all sums due us.



    We may change this Agreement by mailing or delivering a written notice of change to your address at least twenty-one (21) days before the effective date of the change.



    Any Card or other device which we supply to you is our property and must be returned to us, or any person whom we authorize to act as our agent, or any person who is authorized to honor the Card. The Card may be repossessed at any time at our sole discretion without any demand or notice.



    Neither we nor merchants authorized to honor the Card will be responsible for the failure or refusal of anyone to honor the Card.

    Unless you notify us of a billing error as described in section 13, you accept your periodic statements as accurate statements of your account with us.



    Telephone us at 408 543-5202 or 866 543-5202 or write us at P.O. Box 3643, Sunnyvale, California 94088-3643, if you think your monthly account statement or ATM receipt is wrong or if you need more information about an ATM transaction listed on your statement or receipt. We must hear from you no later than sixty (60) days after we sent you the first statement on which the problem or error appeared.

    • Tell us your name and account number.
    • 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.
    • Tell us the dollar amount of the suspected error.

    If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will tell you the results of our investigation within ten (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 forty-five (45) days to investigate your complaint or question. If we decide to do this, we will recredit your account within ten (10) business days 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 ten (10) business days, we may not recredit your account. If we decide that there was no error, we will send you a written explanation within three (3) business days after we finish our investigation. If you request, we will provide you copies of documents (to the extent possible without violating other members' rights to privacy) relied upon to conclude that the error did not occur.

    If you dispute an ATM transaction and it is later determined that you actually made the transaction (e.g. ATM photos, fingerprint, electronic or mechanical confirmation) or if you decide not to pursue an unauthorized transaction, you may be charged for all fees associated with the research of your claim.

    For questions involving errors on transfers involving new accounts, transfers initiated outside the United States or at POS terminals, the time within which the Credit Union must tell you the results of its investigation is ten (10) business days (twenty (20) business days for new accounts). If the Credit Union recredits your account for the amount of the error, the Credit Union may take an additional ninety (90) calendar days to investigate the claim.


    For purposes of this Agreement, our business days are Monday through Friday, except holidays.



    You will get a receipt or at least have an option to receive a receipt at the time you make a transaction at an ATM. All payments and deposits are subject to the terms and conditions of your Membership and Account Agreement with us. You will receive a statement monthly. Transfers, withdrawals, and purchases transacted through an ATM or POS terminal will be recorded on your monthly Periodic Statement. If you have arranged to have direct deposit to your account at least once every sixty (60) days from the same person or company, you can call us at 408 543-5202 or 866 543-5202 to find out whether or not the deposit was made. This section does not apply to transactions occurring outside the United States.



    The Credit Union will provide you a monthly account statement. The Credit Union will be liable for making transfers to or from your account as directed by you if you followed the correct procedures for such transactions. However, there are some exceptions we will not be liable for:

    • If your account does not contain enough money to make the transfer;
    • If your account is frozen because of a court order or similar reason;
    • If your account is frozen because of a delinquent loan;
    • If the ATM or POS terminal is not working properly and you were aware of the breakdown;
    • If the ATM where you are making the transfer does not have enough cash;
    • If your Card or PIN has been reported lost or stolen and we have blocked the account;
    • If the failure to complete the transaction is done to protect the integrity of the system or to protect the security of your account;
    • If circumstances beyond our control such as flood, fire, or power failure prevent the transaction; and Where our liability is otherwise limited by regulation or agreement.

    You agree to be liable to the Credit Union for any liability, loss, or expense as provided in this Agreement, including repayment of any withdrawals which create a negative balance on any of your accounts. You agree that the Credit Union has a security interest in your present and future shares. You authorize the Credit Union to deduct any such liability, loss or expense from, or exercise its security interest in your account without prior notice to you. In the event any party brings legal action to enforce the Agreement or collect any overdrawn funds on accounts assessed under this Agreement, the prevailing party shall be entitled, subject to applicable law, to payment by the other party of its reasonable attorney's fees and costs, including fees on any appeal, bankruptcy proceedings, and any post judgment collection actions, if applicable.



    We may disclose information to third parties about your account or the transactions you perform:

    • Where it is necessary or helpful in completing transactions;
    • To verify the existence and condition of your account for a third party, such as a credit bureau, merchant, or another member of an affiliated ATM network;
    • To comply with the law or government agency or court orders; or
    • If you give us your permission.

    You agree to keep the Credit Union informed of your current address to ensure correct mailing of monthly statements.



    In the regular course of our business, we may monitor and record phone conversations made or received by our employees. You agree that we will have such right with respect to all phone conversations between you and our employees, whether initiated by you or any of our employees.



    The following information is a list of safety precautions regarding the use of Automated Teller Machine (ATM) and night deposit facilities.
    • Consider having someone accompany you when the ATM or night deposit facility is used after dark.
    • If another person is uncomfortably close to you at the time of your transaction, ask the person to step back before you complete your transaction.
    • Refrain from displaying your cash at the ATM or night deposit facility. As soon as your transaction is completed, place your money in your purse or wallet. Count the cash later in the safety of your car or home.
    • If you notice anything suspicious at the ATM or night deposit facility, consider using another ATM or night deposit facility or come back later. If you are in the middle of a transaction and you notice something suspicious, cancel the transaction, take your ATM access device or deposit envelope, and leave.
    • If you are followed after making a transaction, go to the nearest public area where people are located.
    • Do not write your Personal Identification Number (PIN) or code on your ATM card.
    • Report all crimes to law enforcement officials immediately.

Star One Branches

Mailing Address

Sunnyvale Office
P.O. Box 3643
Sunnyvale, CA 94088-3643



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