LOGIX DEBIT AND ATM CARD
Agreement and Disclosure
This Logix Debit and ATM Card Agreement and Disclosure governs both the Logix Federal Credit Union Debit Card and the Logix ATM Card and contains important information about your and our rights and obligations and the terms and conditions under which this service is provided. Please
read this Agreement and Disclosure carefully and retain it for your records.
In this Logix Debit and ATM Card Agreement and Disclosure, the words “Agreement and Disclosure” shall mean this Logix Debit and ATM Card Agreement and Disclosure. The words "you," "your," and "yours" mean each and all of those who apply for, sign, or use the Logix Debit Card or Logix ATM Card. The words "we," "us,” "our," and "Logix” each mean Logix Federal Credit Union. "Card" means either the Logix Debit Card or the Logix ATM Card issued to you and any duplicates and renewals we may issue to you.
By accepting and using your Logix Debit Card or Logix ATM Card, or by authorizing anyone else to use the Card, you acknowledge receipt of this Agreement and Disclosure and agree to be bound by the terms and conditions contained herein, and all applicable rules governing all accounts and lines of credit accessible in connection with the use of the Card.
Sign Your Card - Immediately sign the signature panel on the back of the
Card upon receipt. The Card must be signed in order to be valid.
Important - If you have received a Logix Debit Card, this entire Agreement and Disclosure excluding the section titled “ATM CARDS” applies to you and your Logix Debit Card. If you have received a Logix ATM Card, all portions of this Agreement and Disclosure excluding the section titled “LOGIX DEBIT CARDS” apply to you and your Logix ATM Card.
● ● ● ● ● ● LOGIX DEBIT CARDS ● ● ● ● ● ●
Your Logix Debit Card is a payment device which can be used at the point-of-sale to purchase goods and services and to obtain cash from a merchant (see "Point-of-Sale Transactions"). When you initiate a
transaction at a merchant location using your Logix Debit Card, the amount of your transaction is deducted from your Logix Checking Account. The Logix Debit Card can also be used as an ATM Card to
access your Logix accounts, withdraw cash, and conduct other transactions at automated teller machines (see "ATM Cards"). You may also use your Logix Debit Card to obtain cash at other financial institutions that accept cards with the VISA® logo. Your Logix Debit Card is not a credit card.
LOGIX DEBIT CARD LIMITS: Provided sufficient funds are available, the
following daily limits apply:
$2,500 in combined ATM Cash Withdrawals and Logix Debit Card
Purchases using your PIN (5 ATM withdrawals and 15 Purchase transactions); and,
$2,500 in Logix Debit Card Purchases using your Signature (15
transactions). Internet purchases and merchant bill payments using your Logix Debit Card number count toward this limit.
Daily Limits on Teen Checking Accounts:
$250 in combined ATM Cash Withdrawals and Logix Debit Card
Purchases using your PIN or Signature (5 ATM and 15 POS transactions). Internet purchases and merchant bill payments using your Debit Card number count toward this limit. The Adult joint account owner may request a different daily limit amount.
Minimum and maximum cash withdrawal and POS transaction amounts may depend on the institution that owns the ATM or POS network.
OBTAINING CASH AT OTHER FINANCIAL INSTITUTIONS: Your Logix
Debit Card can be used at all financial institutions that accept VISA® to obtain cash from your Logix Checking Account. You may be asked to provide your signature or input your PIN to authenticate the transaction.
● ● ● ● ● ● ● ● ATM CARDS ● ● ● ● ● ● ● ●
Your Logix ATM Card and Personal Identification Number (PIN) can be used at Logix ATMs and at other ATMs and point-of-sale (POS) terminals displaying the network symbols reflected on the back of your Card. ATM services are generally accessible 24 hours a day, seven days a week, with minor interruptions for system maintenance. Use your Card and PIN on accounts linked to your Card to Withdraw Cash, Make Deposits, Transfer Funds between accounts, perform Balance Inquiries, Make Loan Payments, Obtain Advances on your Logix credit card and other lines of credit; and, Purchase goods and services at participating POS terminals (see “Point of Sale Transactions””). All services may not be available at every machine or terminal. We are not responsible for the refusal or inability of any ATM or POS terminal, merchant, or financial institution to honor the Card, to complete a transaction, or for their retention of the Card.
LOGIX ATM CARD LIMIT: Provided sufficient funds are available, the
following daily limit applies:
$600 in combined ATM Cash Withdrawals and POS Purchases
(5 ATM and 15 POS transactions*)
*If you do not have a Logix checking account, your POS transactions will
be charged to your savings account and you will be limited to a total of 6 POS transactions from your savings account each month.
Daily Limits on Teen Accounts:
$125 in combined ATM Cash Withdrawals and Point of Sale (POS)
Transactions (5 ATM and 15 POS transactions). If you do not have a Teen Checking Account, your POS transactions will be charged to your savings account and you will be limited to a total of 6 POS transactions from your savings account each month.
There is no limit on ATM transfers between accounts or for balance inquiries. Minimum and maximum cash withdrawal and POS transaction amounts may depend on the institution that owns the ATM or POS network.
● ● ● ● ● ● ● ● ALL CARDS ● ● ● ● ● ● ● ● ILLEGAL USE: You may not use your Card or Card number for any
illegal or unlawful transaction and we may decline to authorize any transaction that we believe poses an undue risk of illegality or unlawfulness. You understand that you may not utilize your Logix accounts or Card for the purchase of any goods or services on the Internet
that involve online gambling of any sort. Prohibited activity and transactions include, but are not limited to, any quasi-cash or online gambling transaction, electronic commerce gambling transaction conducted over an open network, and any betting transaction including the purchase of lottery tickets or casino gaming chips or off-track betting or wagering. We may deny authorization of any transactions identified as gambling. However, in the event that a transaction described in this paragraph is approved and processed, you will still be responsible for such charges.
POINT-OF-SALE TRANSACTIONS: The point-of-sale (POS) feature of
the Card permits you to pay for goods and services at participating merchant locations (such as restaurants and department stores) that accept VISA®, and/or that accept ATM cards and display the VISA®, INTERLINK, PLUS or other network symbol shown on the back of your Card. A point-of-sale (POS) transaction is a transaction you perform when you use your Card in the payment of goods or services. When you use your Card for these transactions, you are making the payment from your Checking Account and we will deduct the amount of the transaction (plus any charges imposed by the merchant or POS network, if any) from your Checking Account.
For Logix Debit Cards, your Logix Checking Account is the only account accessible for point-of-sale (POS) transactions.
If you have a Logix ATM Card and you have a Logix Checking Account, POS transactions will be charged against your Logix Checking Account; otherwise the POS transactions will be changed against your Savings Account and you will be limited to 6 POS transactions each month. You must follow the procedures established by the merchant or retail location for using your Card. In some cases you will be required to provide your signature to authenticate the transaction, in other cases you will be required to enter your PIN to authenticate the transaction.
We may debit or place a hold on your Checking Account (or Savings Account if you do not have a Checking Account) either on the date the transaction is presented to us for payment, by electronic or other means, or on the day we receive notification of the transaction, whichever is earlier. If a merchant or other financial institution requests an authorization for a transaction you want to conduct, we will place a hold on your Checking Account for the amount requested or for a pre-established amount in excess of the individual transaction, for a period of three (3)
business days from the date of the authorization request.
A hold will affect the availability of funds in your Checking Account. The funds held will not be available for other purposes and we have the right to return checks or other items drawn on your Checking Account in order to maintain sufficient funds to pay for the Logix Debit Card transactions. You agree to pay all applicable non-sufficient funds (NSF) fees for items returned for NSF as a result of a Card transaction hold. The hold may continue even if you do not purchase the goods or services for which the authorization was sought. If the transaction is posted to your Checking Account before the hold expires, we will debit your account for the amount of the transaction (plus any fee) and we will remove the hold. You may not stop payment on a POS transaction once you have paid for the goods or services using your Card.
If you have a dispute regarding the quality of the goods or services you have paid for using your Card, you must settle the dispute directly with the merchant. We cannot credit your Checking or Savings Account for the disputed amount. If a merchant misrepresents the quality, price, or
warranty of goods or services you pay for using your Card, or fails to deliver the goods or services as promised, we are not responsible for any damages or liability that results from the misrepresentation or failed delivery. If you do not fulfill or if you breach any of the terms and conditions of this Agreement and Disclosure, you are responsible to us for all damages or liability.
BUSINESS DAYS AND PROCESSING DAYS: Our business days are
Monday through Friday, excluding holidays. However for purposes of your Card transactions, each calendar day (including Saturday, Sunday and holidays) is a processing day. At Logix owned ATMs, a processing day is the actual 24 hour calendar day period, midnight to midnight (12:00 a.m. Pacific Time PT). Processing days may be different at non-Logix owned ATMs and at POS Networks (for example, 3:00 p.m. to 3:00 p.m.). For posting transactions or transfers, dividend calculations, finance charge accruals, and for any matter under dispute, the processing date will be the effective date of the transaction.
FEES AND CHARGES: There is no Annual Fee for your Card, there are
no fees for transactions, transfers or inquiries you perform at Logix-owned ATMs and CO-OP Network ATMs, and there are no fees for POS transactions. There is a $1.95 fee* for each Withdrawal, Transfer and Inquiry performed at non-Logix owned and non-CO-OP Network ATMs. You may also be charged a $2.00 CO-OP ATM Adjustment Fee for any deposit at a CO-OP Network ATM to which a correction or other adjustment is made. We may also charge a Card Replacement Fee of $7.50 per Card. If you have Opted-In, the Courtesy Pay fee for paid NSF Card transactions is $29.
ATM Fees By Others:* When you use an ATM not owned by us or which does not display the CO-OP Network symbol you may be charged a Surcharge or fee by the ATM operator or any network used to complete the transfer, and you may be charged a fee for a balance inquiry even if you do not complete a funds transfer.
*You may be eligible to receive a waiver or rebate of some or all of these fees. Refer to our Relationship Rewards Disclosure for more information.
Transactions Made in Foreign Currency: VISA will convert foreign currency transactions into the U.S. dollar amount. The foreign currency conversion rate to U.S. dollars will be either at wholesale market rate or the government-mandated rate in effect one day prior to the processing date. The currency conversion rate calculated in this manner that is in effect on the processing date may differ from the rate in effect on the transaction date or the posting date.
Foreign Transaction Fee (International Service Fee): The International Service Assessment (ISA) fee is up to one percent (1%) of your purchase amount. This fee is charged by the Network provider and will appear as a separate line item on your statement. Plus Network© ATM cross-border transactions completed in and charged in U.S. dollars are excluded from the one percent (1%) fee.
Logix has no control over the conversion rate and will charge you the one percent (1%) fee imposed and retained by the Network provider.
OVERDRAFTS AND OVERDRAFT PROTECTION FOR LOGIX DEBIT CARD AND ATM CARD TRANSACTIONS: You agree not to initiate
transactions or transfers, or request withdrawals, in amounts that would cause an overdraft in your Savings or Checking account. However, if you do not have sufficient funds in your Checking Account to cover the amount
of a transaction you have conducted using your Card, we will debit your Checking Account for the amount of the transaction and we will transfer funds from any credit account you have established with us which provides overdraft protection on your Checking Account (such as your Logix Credit Card) in order to cover the amount of the transaction or transfer and overdraft. If you have not established a credit account with us that provides overdraft protection on your Checking Account, or if there is insufficient available credit on your credit account, we may transfer funds from another of your Logix accounts to your Checking Account to cover the amount of the transaction and any overdraft. If we are unable to transfer funds from a credit account or another of your Logix accounts to cover the amount of the item, and if you have requested and Opted-In to our Courtesy Pay overdraft service for ATM and Debit Card transactions, we may debit your Checking Account for the amount of the transaction or transfer and overdraw your account. Refer to our separate “What You Need to Know About Overdrafts and Overdraft Fees” and our “Membership and Accounts Agreement and Disclosure” for detailed information on overdrafts, our overdraft procedures, and how you can Opt-In to the Courtesy Pay service. There is a $29 fee for each item paid under the Courtesy Pay overdraft service.
If any of your Logix accounts is overdrawn, you agree to promptly repay us. If you do not promptly repay us, or if we believe that there are excessive occurrences of overdraft on any of your Logix accounts, we may, without prior notification to you, revoke your Card privileges.
ATM DEPOSITS – FUNDS AVAILABILITY POLICY
Deposits can be made at Logix-owned ATMs and at select ATMs displaying the CO-OP Network symbol. Logix-owned ATMs are easily identifiable with by our name on the ATM. Funds from deposits made at Logix-owned ATMs are subject to verification, may not be available for immediate withdrawal, and will generally be available for withdrawal the second business day following the date of deposit.
Funds from deposits made at non-Logix-owned ATMs displaying the CO-OP Network symbol are also subject to verification, may not be available for immediate withdrawal, and will generally be available for withdrawal the fifth business day following the date of deposit. Longer delays may apply.
For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. Generally, deposits received after 12:00 p.m. (noon) local time will be processed the following business day. Each calendar day (including Saturday, Sunday and holidays) is a processing day. At Logix-owned ATMs, a processing day is the actual 24 hour calendar day period, midnight to midnight (12:00 a.m. Pacific Time PT). Processing days may be different at non-Logix owned ATMs and POS Networks (for example, 3:00 p.m. to 3:00 p.m.). For posting transactions, dividend calculations, finance charge accruals, and for any matter under dispute, the processing date will be the effective date of the transaction.
Longer Delays May Apply
In some cases, we will not make all of the funds that you deposit at Logix-owned ATMs available to you on the second business day after the day of your deposit, or that you deposit at non-Logix owned ATMs available to you on the fifth business day after the day of your deposit. However, the
first $200 of each day’s deposits made at Logix-owned ATMs will be available on the first business day following the day of deposit.
If we are not going to make all of the funds from your deposit available on the second or fifth business day following the date of deposit, as stated
above, we will notify you by mail by the first business day after we receive your deposit and tell you when the funds will be available. If you will need the funds right away, you should ask us when the funds will be available. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: (1) We believe the check you deposit will not be paid;(2) You deposit checks totaling more than $5,000 on any one day; (3) You or we redeposit a check that has been returned unpaid; (4) You have overdrawn your account repeatedly in the last six months; or, (5) There is an emergency, such as failure of communications or computer equipment. We will notify you if we delay your availability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.
Special Rules for New Accounts
If you are a new member, the following special rules may apply to ATM Deposits made during the first 30 days your account is open. Funds from deposits of cash and the first $5,000 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state and local government checks will be available on the second business day after the day of your deposit made at Logix-owned ATMs, or on the fifth business day following the date of deposit at non-Logix-owned ATMs, if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,000 will be available on the ninth business day after the day of your deposit made at a Logix ATM. Funds from all other check deposits will be available on the seventh business day after the day of your deposit made at a non-Logix ATM.
RIGHT TO RECEIVE DOCUMENTATION OF TRANSFERS: You have a
right to receive a transaction receipt each time you complete a transaction or transfer using your Card. Your periodic account statements will also reflect all Card transactions on your account(s) during the statement period. The transaction dates appearing on your statements represent the transaction processing date. The processing date may differ from the date the transaction was actually performed due to business day/processing day differentials. Review and retain all transaction receipts for verification against your statements.
CONSUMER LIABILITY FOR UNAUTHORIZED TRANSFERS: Tell us AT ONCE if you believe that your Card or Card number or PIN has been
lost or stolen or that someone has used it or may use it to deduct or transfer money from your account without your permission. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If a transaction was made with your Card or Card number without your permission and is either a VISA or Interlink transaction, you will have no liability for the transaction.
If a transaction was made without your permission and is not a VISA or Interlink transaction or was made at an ATM, your liability is determined as follows: If you tell us within two (2) business days, you can lose no more than $50 if someone uses your Card without your permission. If you do not tell us within two (2) business days after you learn of the loss or theft of your card, and we can prove that we could have stopped someone from using your card if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, 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 prevented someone from taking the money
had you 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.
REPORTING CARD LOSS OR THEFT AND UNAUTHORIZED TRANSFERS: If you believe that your Card or Card number has been lost
or stolen, your PIN has been discovered, or that someone has transferred or may transfer money from your account without your permission, call us IMMEDIATELY at: 800-328-5328 (toll-free), 24 hours a day, seven days a week. You may also write to us at Logix, P.O. Box 6999, Burbank, CA
91510.
IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS: Telephone us toll-free at 800-328-5328 or Write to us at
Logix, P.O. Box 6999, Burbank, CA 91510 as soon as you can if you think your statement or receipt is wrong, shows transfers and transactions that you did not authorize, or if you need more information about a transfer reflected on your statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. When reporting errors or questions:
(1) Tell us your name and account number;
(2) Describe the error or the transaction or 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; and,
(3) Tell us the dollar amount of the suspected error and the date it occurred.
If you notify us orally, we may require you to send us your complaint or question in writing within ten (10) business days.
We will determine whether an error occurred 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) calendar days to investigate your complaint or question. If we decide to do this, we will provisionally credit 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 request in writing and we do not receive it within ten (10) business days, we may not recredit your account.
For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to provisionally credit your account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigation. If we determine 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.
OUR LIABILITY FOR FAILURE TO COMPLETE TRANSACTIONS: If we
do not complete a transaction or transfer to or from your account on time or in the correct amount according to our agreement with you, we may be liable for your losses and damages. However, there are some exceptions. We will NOT be liable, for example, if:
Through no fault of ours, you do not have enough available funds in your account to make the transaction or transfer;
The transaction or transfer would exceed any permitted overdraft line you have with us;
The ATM where you are making the transaction or transfer does not have enough cash;
The terminal or system was not working properly and you knew about the breakdown when you started the transaction or transfer.
Circumstances beyond our control (such as fire, flood, power failure, labor dispute, computer breakdown, telephone line disruption or a natural disaster) prevent or delay the transaction or transfer, despite reasonable precautions taken by us;
The Card or PIN you provide is incorrect or incomplete, has been reported lost or stolen, has expired, is damaged so that the encoding strip cannot be read, is inactive due to non-use, is retained by us due to your misuse or suspected fraudulent activities, or is retained by us at your request;
Our failure to complete the transaction or the placement of a block on your account is done to protect the security of your account and/or the terminal system;
The transaction is prohibited by this Agreement and Disclosure, by law, regulation, or court order, or is illegal;
The funds in your account are subject to legal process, an uncollected funds hold, or are otherwise not available for withdrawal; or
The information supplied by you or a third party is incorrect, incomplete, ambiguous or untimely.
There may be other exceptions stated in our agreement with you.
Provided that none of the foregoing exceptions are applicable, if we cause an incorrect amount of funds to be removed from your account, or caused funds from your account to be directed to a person or entity which does not comply with your instructions, we shall be responsible for returning the improperly transferred funds to your account and for directing to the proper recipient any previously misdirected transfers.
THE FORGOING SHALL CONSTITUTE OUR ENTIRE LIABILITY AND YOUR EXCLUSIVE REMEDY. IN NO EVENT SHALL WE BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING LOSS OF PROFITS (EVEN IF ADVISED OF THE POSSIBILITY THEREOF) ARISING IN ANY WAY OUT OF THE INSTALLATION, USE, OR MAINTENANCE OF ANY EQUIPMENT, SOFTWARE, AND/OR SERVICE.
DISCLOSURE OF INFORMATION TO THIRD PARTIES: We will disclose
information to third parties about your account or the transfers you make: (1) When it is necessary for completing the transaction or transfer; or (2) To verify the existence and/or condition of your account for a third party, such as a credit bureau merchant; or (3) To comply with government agency or court orders; or (4) If you give us your written permission.
NON-REISSUANCE: For security purposes Cards are reissued every
three years. If at the time of reissuance your Card has not been used for at least 12 months we will not reissue a new Card to you.
OTHER AGREEMENTS, TERMS AND CONDITIONS:
a) You agree to keep your Card in a safe place and permit no unauthorized person(s) to use it. You further agree not to tell any unauthorized person your PIN or write your PIN on the Card or otherwise make it available to anyone else.
b) You agree to notify us immediately upon the loss or theft of your Card or PIN.
c) The Card remains the property of Logix and you agree to surrender the Card to us upon demand. We may cancel, modify or restrict the use of the Card without notice: (1) if your account is overdrawn; (2) if we are aware that you have violated any term of this Agreement and Disclosure whether or not we have suffered a loss; (3) if we believe that you have
your account; or (5) where it is necessary to maintain or restore the security of your account(s). We may also recall the Card through retrieval by any ATM.
d) Generally, we will not issue a Card to anyone other than the accountholder(s), however, if you authorize us to issue a Card to anyone else and we do so, you authorize that individual to withdraw funds from any account(s) you have, including access to any overdraft protection you may have on those accounts which can be accessed by the Card, regardless of whether that individual is authorized to withdraw funds from the account(s) by any means other than by use of the Card. If you give your Card or PIN to anyone, any withdrawal by that person will be considered to be authorized by you, even if they exceed your authority.
e) You agree to indemnify and hold us harmless from any costs or damages you sustain as a result of Logix carrying out, in a reasonable manner, any written instructions provided by you.
f) We are not liable if a merchant or financial institution does not accept your Card or Card number.
g) You may terminate your Card and this service by notifying us and returning the Card(s) issued to you under this Agreement and Disclosure. However, you will remain liable to us for all transactions initiated prior to termination.
NOTIFICATION AND CHANGES IN TERMS AND CONDITIONS: Any
notification, required or appropriate, may be mailed to you at your last address known to us. We may change the terms, conditions, and charges associated with the Card and may amend this Agreement and Disclosure from time to time. We will provide written notification at least thirty (30) calendar days prior to the effective date of such changes, or as otherwise provided by law.
GOVERNING LAW: This Agreement and Disclosure is made in California
and shall be governed by the laws of the State of California to the extent that California Law is not inconsistent with controlling Federal Law. California’s “Choice of Law Rules” will not be applied if they would result in the application of non-California law.
SEVERABILITY: If any part of this Agreement and Disclosure should be
held to be unenforceable, the remaining provisions of this Agreement shall remain in full force and effect.
NO WAIVER: No delay or omission on our part in exercising any rights or
remedies shall operate as a waiver of such rights and remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.
RELATIONSHIP TO OTHER DISCLOSURES: The information in this
Agreement and Disclosure applies only to electronic fund transfers and transactions described herein. Provisions in other disclosure documents, as may be revised by us from time to time, continue to apply, except to the extent expressly modified by this Agreement and Disclosure.
IMPORTANT SAFETY TIPS WHEN USING AN ATM Be Observant of Your Surroundings. Before, and when approaching
any ATM, be alert for suspicious persons or circumstances. If you should observe any suspicious persons or circumstances, or you otherwise feel uneasy or uncomfortable with your surroundings, do not
use the ATM. Come back at a more appropriate time or choose an
ATM at another location. Report any suspicious persons to law enforcement authorities.
Be Ready to Transact Business. Before approaching any ATM, have your Card and transaction ready and in your hand so you don't have to reach into your purse or wallet while standing in front of the ATM. By being ready before approaching the ATM, your transaction is quicker and safer.
Be Courteous to Other Users. When approaching an ATM which is in use, do not stand directly behind the person using the machine. Allow an adequate distance so that they may conduct their transaction securely, privately and confidentially.
When Transacting Business. Remain observant of your surroundings. Stand between the ATM and the people waiting to use the machine so that others can't see you enter your PIN and perform your transaction. If you observe any suspicious persons or circumstances, terminate your transaction, immediately, leave the area and contact law enforcement authorities.
Leave Quickly. Upon completion of your transaction, retrieve your Card and receipt, and immediately leave the ATM area. Do not count or otherwise expose any money received from the ATM. Maintain a safe distance between you and any stranger. If you believe that you are being followed, you should go to the nearest place where there are other people and contact law enforcement authorities.
Memorize your Personal Identification Number (PIN). Do not write your PIN on your Card or leave it in your wallet. Keep your PIN a secret and afford your card the same security as cash. If you suspect unauthorized use of your card, or if your Card is lost or stolen, notify us immediately. Never give Information about your Card, PIN, or accounts to strangers or inquirers on the telephone.
Users of ATMs should utilize such other precautions as may be appropriate under any particular set of circumstances. Logix expressly disclaims any and all liability as relates to the use of ATMs owned or controlled by us except as provided by statute.
