Frequently Asked Questions NETS FlashPay Automatic Top Up (ATU) Facility Via Bank Scheme Card

Size: px
Start display at page:

Download "Frequently Asked Questions NETS FlashPay Automatic Top Up (ATU) Facility Via Bank Scheme Card"

Transcription

1 Frequently Asked Questions NETS FlashPay Automatic Top Up (ATU) Facility Via Bank Scheme Card Version 1.0 October 2011

2 Introduction This document is strictly for NETS FlashPay ATU Facility via Bank Scheme Card only. The purpose of this document is to assist staff of the respective bank and NETS Customer Service Centre to attend enquiries pertaining to NETS FlashPay ATU Facility via Bank Scheme Card. Audience This document is for circulation to the respective Bank and NETS only. The questions are prepared for general use unless otherwise stated. Copyright & Confidentiality The information contained in this document is proprietary and confidential to NETS. This material may not be duplicated, published or disclosed, in whole or in part, without the prior written permission of NETS.

3 GENERAL 1. What is NETS FlashPay ATU Facility via Bank Scheme Card? NETS FlashPay ATU Facility is a feature that allows the value in the NETS FlashPay card to be automatically topped up when there is insufficient stored value to make a payment transaction in Transit (MRT/Buses), ERP and EPS (Cepas2 car parks only). NETS will collect the ATU amount from your registered bank account that is linked to your Bank Scheme Card. CARD REGISTRATION 2. Where can I register for NETS FlashPay ATU Facility via Bank Scheme Card? This is dependent on the Bank Scheme Card that you have applied. Customers who apply for the Maybank Scheme Card (Platinum Debit Cardmembers) are given the option to opt in for NETS FlashPay ATU facility at the point of application for the debit card. 3. What do I need to register for NETS FlashPay ATU Facility via Bank Scheme Card? This is dependent on the Bank Scheme Card that you have applied. Customers who own the Maybank Scheme Card (Platinum Debit Cardmembers) have the option to opt in for the ATU facility upon application of the Debit Card or upon opening of a Savings Account. 4. Can I apply and register for the NETS FlashPay ATU Facility via Bank Scheme Card for my children and parents? Registration for this service is done when you apply for the NETS FlashPay Bank Scheme Card. Issuance of the Bank Scheme Card is subject to Bank s approval. There is no issuance of supplementary cards for Bank Scheme Debit Card. Each individual has to apply for the card on his own. 5. Which bank cards are accepted for registration of NETS FlashPay ATU Facility via Bank Scheme Card? Currently, the NETS FlashPay ATU Facility via Bank Scheme Card is only issued by Maybank. We will be introducing more Bank Scheme Card(s) with other banks progressively. 6. What is the pre selected top up amount available for NETS FlashPay ATU Facility via Bank Scheme Card? This is dependent on the Bank Scheme Card that you have applied. The NETS FlashPay ATU Facility via Maybank Scheme Card is defaulted to an amount of $30. You cannot change this amount.

4 7. Can I change the top up amount once it is selected? The NETS FlashPay ATU Facility via Maybank Scheme Card is defaulted to an unchangeable amount of $30. Changing of the top up amount is not allowed. 8. Is a deposit required for the NETS FlashPay ATU Facility via Bank Scheme Card? This is dependent on the Bank Scheme Card that you have applied. There is a refundable deposit of $30 for the Maybank Scheme Card for the NETS FlashPay ATU Facility. 9. Are there registration charges for the NETS ATU facility via Bank Scheme Card? This is dependent on the Bank Scheme Card that you have applied. There is no registration fee for the NETS FlashPay ATU Facility via Maybank Scheme Card. 10. Is there insurance coverage for NETS FlashPay ATU Facility via Bank Scheme Card? No, there is no insurance coverage for NETS FlashPay ATU Facility via Bank Scheme Card. CARD USAGE 11. How does NETS FlashPay ATU Facility work? How will I know when my NETS FlashPay card is automatically topped up? Your ATU registered NETS FlashPay card will trigger an automatic top up when the remaining stored value in your card is insufficient to pay for your next payment transaction at train gates, bus devices, ERP gantries, or EPS (CEPAS complaint) car park exit. For Example: You have registered for the NETS FlashPay ATU Facility via Bank Scheme Card on your NETS FlashPay card for $30.00 each ATU. There is a remaining stored value of $1.00 in your NETS FlashPay card and the journey you are taking costs $3.00. On Buses, the ATU of $30 will occur when you tap your card on the bus device. When you tap on the bus device upon boarding the bus, your new balance would be $ (Partial refund (if any) will be credited to the card when you tap on the bus device upon exiting the bus). On the MRT, ATU will occur when you exit at the train gate. The $3.00 fare will also be deducted at this point and your new balance would be $ How soon will the next Auto Top Up (ATU) occur, assuming that my Debit Card just received an ATU today? Please note that there is an interval of 3 days between the current Auto Top Up (ATU) and the next ATU. Assuming your card just received an ATU of S$30 on Monday. Hence, the earliest time your card can receive the next ATU is on Friday, the same week. If you require further top ups during the 3 days interval, please top up manually at the following top up points: inets Kiosks DBS/POSB/OCBC/UOB ATMs

5 TransitLink Ticket Offices Add Value Machines (AVMs) SMRT Passenger Service Centres 7 Eleven Stores (except 7 Shell)* Cheers and FairPrice Xpress* SPH Buzz Kiosks* *Please note that a top up fee may be charged for each top up transaction at these locations. 13. What should I do if my card is blocked? Can I continue to use my card? Your card may be blocked due to an outstanding ATU amount on this card. If your card has been blocked, it cannot be used again. You will need to obtain another card and register for ATU again. However you can submit the blocked card for a refund of the stored value in the card at any TransitLink office or NETS Sales & Customer Service Centre. The remaining ATU deposit and stored value, less any outstanding debt, will be refunded to you. 14. What should I do if I can t use NETS FlashPay facility? If you are unable to use the NETS FlashPay facility, you will need to obtain another card and register for ATU again at the bank offering you the Bank Scheme Card. However you can still submit the blocked card for a refund of the stored value in the card at any TransitLink office or NETS Sales & Customer Service Centre. The remaining ATU deposit and stored value, less any outstanding debt, will be refunded to you. 15. Are there charges for ATU? There no charges for each ATU on your NETS FlashPay card for now till further notice. TERMINATION of NETS FLASHPAY ATU FACILITY 16. Where can I terminate the NETS FlashPay ATU Facility? You may terminate the NETS FlashPay ATU Facility at inets Kiosk. 17. I have changed my bank account, what should I do? NETS FlashPay ATU Facility via Bank Scheme card is issued by the bank. If the bank account is changed, a new card will be issued to you by the bank. The NETS FlashPay ATU Facility on the new card will be pre registered and linked to the new card. Please remember to deactivate the NETS FlashPay ATU Facility on your old card or return the card to us for refund of any remaining stored value in the card.

6 CARD REFUND 18. How do I obtain a refund of my stored value on my ATU registered NETS FlashPay card? You may terminate or de activate the NETS FlashPay ATU Facility at inets Kiosk. After 10 working days, you can then perform an online refund of the remaining stored value in the card at inets Kiosk. This amount will be credited directly to your bank account. Alternatively, you may submit your ATU registered card for deferred refund at the TransitLink Ticket Office or NETS Customer Service Centre only if you have closed your bank account or have your card replaced. The remaining stored value and ATU deposit (if any) will be credited to your account within 14 working days upon receipt by NETS. Note: Please note that your card will be cut up and retained when you submit it for deferred refund. You ll need to notify your bank should you require any replacement card or to cancel your account before submitting the card for refund. LOST CARD 19. What should I do if my Bank Scheme Card with ATU facility is lost? First, you will need to notify your Bank immediately to cancel your Bank Scheme Card. For Maybank customers, you can call 1800 MAYBANK ( ) or (65) (Overseas). Next, you will need to inform NETS Customer Service Hotline on to report the loss of your NETS FlashPay card. Operating hours of NETS Customer Service Hotline: 9.00am to 7.00pm (Monday Saturday) 10.00am to 7.00pm (Sunday and Public Holidays) If you call NETS after office hours, please leave your name and contact number and a report on your lost card will be lodged. The liability of the ATU facility is subject to the terms and conditions of NETS FlashPay ATU facility. Upon receipt of a loss report, NETS shall attempt to block the lost NETS FlashPay card within 48 hours. 20. What happens if I found my NETS FlashPay card which I reported lost earlier? If you have reported loss of your NETS FlashPay card, you will not be able to use the same lost card again as it would have been deactivated and cancelled by NETS. Hence, please cut the card in halves and proceed to dispose of the Card appropriately.

TERMS AND CONDITIONS FOR THE FRANK CASH REBATES REWARDS PROGRAMME

TERMS AND CONDITIONS FOR THE FRANK CASH REBATES REWARDS PROGRAMME TERMS AND CONDITIONS FOR THE FRANK CASH REBATES REWARDS PROGRAMME 1. The FRANK Cash Rebates Rewards Programme is a unique programme for the Cardmembers of the FRANK by OCBC Credit Card (the Card ). It

More information

Specific Terms for MoneyManager (Coventry First)

Specific Terms for MoneyManager (Coventry First) Specific Terms for MoneyManager (Coventry First) MoneyManager (Coventry First) The General Investment Terms and Conditions in force and as updated from time to time and these Specific Terms both apply

More information

Terms and Conditions for the Use of the EZ-Reload by GIRO Facility

Terms and Conditions for the Use of the EZ-Reload by GIRO Facility EZ-Link Pte Ltd (Co. Reg. No. 200200086M) 1 DEFINITIONS AND INTERPRETATION Terms and Conditions for the Use of the EZ-Reload by GIRO Facility 1.1 In these terms and conditions ( Terms and Conditions ),

More information

Increasing ATM Transfer and Cash Withdrawal Limits

Increasing ATM Transfer and Cash Withdrawal Limits Increasing ATM Transfer and Cash Withdrawal Limits Starting from 8 January 2017, the following daily maximum limits have been increased. Maximum Non-registered Accounts Daily Transfer Sub-limit at local

More information

2. USE OF THE NETS FLASHPAY RETAILER STORED VALUE PROGRAMME

2. USE OF THE NETS FLASHPAY RETAILER STORED VALUE PROGRAMME Terms and Conditions : RSVP 1. NETS FLASHPAY RETAILER STORED VALUE PROGRAMME 1.1. The NETS Retailer Stored Value Programme is a value-added service of the NETS FlashPay and leverages on the NETS FlashPay

More information

Industrial and Commercial Bank of China (Asia) Limited General Descriptive Information on usage of Credit Card

Industrial and Commercial Bank of China (Asia) Limited General Descriptive Information on usage of Credit Card Industrial and Commercial Bank of China (Asia) Limited General Descriptive Information on usage of Credit Card This reminder provides you the general descriptive information on the usage of credit card

More information

Important changes to the Commonwealth Awards Program and to your credit card contract

Important changes to the Commonwealth Awards Program and to your credit card contract Important changes to the Commonwealth Awards Program and to your credit card contract Changes to the Commonwealth Awards Program Changes to the Commonwealth Awards Terms & Conditions Changes to your Credit

More information

PENALTY FEE SYSTEM Frequently-Asked-Questions (FAQs) Preamble

PENALTY FEE SYSTEM Frequently-Asked-Questions (FAQs) Preamble PENALTY FEE SYSTEM Frequently-Asked-Questions (FAQs) Preamble The PTC (Bus or Train Fare Evasion) Regulations 2016 came into effect on 29 February 2016. These FAQs on the penalty fee system are intended

More information

Terms and Conditions Governing BOC Qoo10 Credit Cards Qmoney Rebate Programme

Terms and Conditions Governing BOC Qoo10 Credit Cards Qmoney Rebate Programme Terms and Conditions Governing BOC Qoo10 Credit Cards Qmoney Rebate Programme Under the BOC Qoo10 Credit Cards Qmoney Rebate Programme ( Programme ), Qmoney (as defined below) will be awarded on spend

More information

TERMS AND CONDITIONS GOVERNING OCBC GREAT EASTERN CASHFLO CREDIT CARD

TERMS AND CONDITIONS GOVERNING OCBC GREAT EASTERN CASHFLO CREDIT CARD TERMS AND CONDITIONS GOVERNING OCBC GREAT EASTERN CASHFLO CREDIT CARD The following terms and conditions and any other rules, procedures or instructions which we may issue from time to time (collectively

More information

PASSENGER TRANSPORT (GENERAL) REGULATION 2017 Clause 76(1)(b) Valid smartcards Publication of terms and conditions

PASSENGER TRANSPORT (GENERAL) REGULATION 2017 Clause 76(1)(b) Valid smartcards Publication of terms and conditions PASSENGER TRANSPORT (GENERAL) REGULATION 2017 Clause 76(1)(b) Valid smartcards Publication of terms and conditions TRANSPORT FOR NSW, pursuant to Clause 76 of the Passenger Transport (General) Regulation

More information

Facts about credit card interest

Facts about credit card interest Facts about credit card interest Applicable to: NAB Credit Card Terms and Conditions NAB American Express Terms and Conditions Velocity NAB Credit Card Terms and Conditions NAB Qantas Credit Card Terms

More information

As used here, the word "we" means the financial institution and the word "you" means the account holder.

As used here, the word we means the financial institution and the word you means the account holder. Terms and Conditions of Deposit Accounts This brochure contains the rules which govern, where appropriate, your deposit account with us. Unless it would be inconsistent to do so, words and phrases used

More information

The total cap for the Family Cash Rebate will be removed and replaced with three individual caps for the different spend categories, as follows:

The total cap for the Family Cash Rebate will be removed and replaced with three individual caps for the different spend categories, as follows: Please note that the Terms and Conditions Governing BOC Family Credit Card Cash Rebate Programme will be amended with effect from 24 April 2018. Some of the material amendments are: The total cap for the

More information

HSBC BANK SALE TO BLOM BANK FREQUENTLY ASKED QUESTIONS (FAQs)

HSBC BANK SALE TO BLOM BANK FREQUENTLY ASKED QUESTIONS (FAQs) HSBC BANK SALE TO BLOM BANK FREQUENTLY ASKED QUESTIONS (FAQs) Sections Index: 1.0 General 2.0 Branches 3.0 ATMs 4.0 Contact Centre 5.0 Personal Internet Banking 6.0 Relationship Managers 7.0 Account servicing

More information

ING credit cards Cardholder guide

ING credit cards Cardholder guide ING credit cards Cardholder guide 1 Welcome We are pleased to welcome you as an ING credit card holder. This guide describes the numerous benefits of your ING credit card. ING Visa Classic, ING Visa Gold*,

More information

Interest Rates, Charges & Important Information

Interest Rates, Charges & Important Information Interest Rates, Charges & Important Information Guide To Changes We are making some changes to this brochure. The changes will come into effect on 6th April 2018 and will apply to all St. James s Place

More information

Product Disclosure Statement Spriggy Parent Wallet

Product Disclosure Statement Spriggy Parent Wallet PDS - Spriggy Parent Wallet - Page 1 Product Disclosure Statement Spriggy Parent Wallet 1. About This Product Disclosure Statement This Product Disclosure Statement ( PDS ) contains important information

More information

Summer Spending Reward Program

Summer Spending Reward Program Summer Spending Reward Program Earn up to 470,000 bonus point 1 to redeem 39,000 miles 2 or HK$1,880 spending rebate 1 Enjoy your summer shopping fun by using Bank of Communications Credit Card! Register

More information

ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE Arvest Bank ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE The federal Electronic Fund Transfer Act and Regulation E require financial institutions to provide certain information to consumers (i.e.,

More information

24-HOUR GRACE. Learn all the details about how it works

24-HOUR GRACE. Learn all the details about how it works 2-HOUR Learn all the details about how it works 2-HOUR How does 2-Hour Grace help? When your account is overdrawn, 1 2-Hour Grace gives you more time to make a deposit to bring your account positive and

More information

Interest rates, charges and important information

Interest rates, charges and important information Interest rates, charges and important information Guide to Changes: We are making some changes to this brochure. The changes will come into effect on 6 April 2018 and will apply to all Intelligent Finance

More information

AmHorizon AmBanCS Phase 2c Cutover Customer FAQs V1.0

AmHorizon AmBanCS Phase 2c Cutover Customer FAQs V1.0 AmHorizon AmBanCS Phase 2c Cutover Customer FAQs V1.0 Table of Contents Sections / Questions Page General 1. Why is there a service interruption on the 12 to 14 December 2015? 2. When is this taking place?

More information

The revised spend categories and cash rebate caps for the Family Cash Rebate will be as follows:

The revised spend categories and cash rebate caps for the Family Cash Rebate will be as follows: Please note that the Terms and Conditions Governing BOC Family Credit Card Cash Rebate Programme will be amended with effect from 10 December 2018. Some of the material amendments are: The revised spend

More information

TransitBenefit Transportation Spending Account ( TSA ) Terms & Conditions

TransitBenefit Transportation Spending Account ( TSA ) Terms & Conditions TransitBenefit Transportation Spending Account ( TSA ) Terms & Conditions The City University of New York, pursuant to Internal Revenue Code Section 132, offers eligible employees the opportunity to purchase,

More information

Conditions of Use Visa Debit. As issued by Firstmac Assets Pty Ltd and Indue Ltd (Valid from )

Conditions of Use Visa Debit. As issued by Firstmac Assets Pty Ltd and Indue Ltd (Valid from ) Conditions of Use Visa Debit As issued by Firstmac Assets Pty Ltd and Indue Ltd (Valid from 08.03.2017) 2 BEFORE YOU USE YOUR VISA CARD Please read these Conditions of Use. They apply to: all transactions

More information

CONSUMER ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURES

CONSUMER ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURES CONSUMER ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURES This Agreement and Disclosure is made in compliance with federal law regulating consumer electronic funds transfer (EFT) services. Consumer

More information

Managing Your Regions Personal Checking Account

Managing Your Regions Personal Checking Account Managing Your Regions Personal Checking Account At Regions, we believe in making banking with us as simple as possible. So we ve developed this guide with information and tips to help you get the most

More information

TERMS & CONDITIONS TruRewards Loyalty Programme

TERMS & CONDITIONS TruRewards Loyalty Programme TERMS & CONDITIONS TruRewards Loyalty Programme This TruRewards terms and conditions govern the entitlement of Bank Islam Credit Card-i Cardmembers to receive TruPoints by the use of such cards and to

More information

M90 Branches Separation from MCB Bank and movement Into MIB Bank Systems

M90 Branches Separation from MCB Bank and movement Into MIB Bank Systems M90 Branches Separation from MCB Bank and movement Into MIB Bank Systems Service Downtime: Friday, June 01, 2018 04:00 PM to Monday, June 04, 2018 07:00 AM Frequently Asked Questions (FAQs) 1. Why are

More information

Code of Practice. Services. for pre-payment customers

Code of Practice. Services. for pre-payment customers Services for pre-payment customers Contents 2 Introduction 2 When will a prepayment meter be installed in your home? 3 How to use your prepayment meter 3 Where to make payments 3 What happens if the machine

More information

CONDITIONS OF USE FOR VISA CREDIT CARD

CONDITIONS OF USE FOR VISA CREDIT CARD CONDITIONS OF USE FOR VISA CREDIT CARD 1300 306 716 bankofus.com.au Bank of us is a trading name of B&E Ltd ABN 32 087 652 088 AFSL & Australian Credit Licence 236870 1 January 2019 Table of Contents Interest

More information

SAVINGS ACCOUNT TYPES

SAVINGS ACCOUNT TYPES SAVINGS ACCOUNT DISCLOSURE This disclosure contains information about terms, fees, and interest rates for some of the accounts we offer. SAVINGS ACCOUNT TYPES FIRST SAVINGS Rate Information: This account

More information

Debit Card Conditions of Use

Debit Card Conditions of Use Debit Card Conditions of Use BOQ Specialist July 2016 BOQ Specialist Debit Card Conditions of Use Products and services are provided by BOQ Specialist a division of Bank of Queensland Limited ABN 32 009

More information

Your account charges explained

Your account charges explained Your account charges explained 2 Contents Our Business Banking current accounts 2 Our accounts for not-for-profit organisations 2 Our general accounts in more detail 3 Our 5 Fixed Fee account plans 3 Day-to-day

More information

Visa Debit Conditions of Use

Visa Debit Conditions of Use Visa Debit Conditions of Use BEFORE YOU USE YOUR VISA CARD Please read these Conditions of Use. They apply to: all transactions initiated by you through an Electronic Banking Terminal (which in these Conditions

More information

Pay no monthly service charge. PLUS, get additional time to make a deposit and avoid overdraft fees.

Pay no monthly service charge. PLUS, get additional time to make a deposit and avoid overdraft fees. Pay no monthly service charge. PLUS, get additional time to make a deposit and avoid overdraft fees. Key Benefits: No monthly service charge No minimum balance required No minimum deposit to open the account

More information

Online Banking Agreement and Disclosure

Online Banking Agreement and Disclosure Online Banking Agreement and Disclosure To enroll in Online Banking, please read the full disclosure and then click the I agree button at the bottom of the page This Online Banking Agreement and Disclosure

More information

CHECKING ACCOUNT TYPES

CHECKING ACCOUNT TYPES CHECKING ACCOUNT DISCLOSURE This disclosure contains information about terms, fees, and interest rates for some of the accounts we offer. CHECKING ACCOUNT TYPES ValueAccess Checking with BaZing Rate Information:

More information

Terms & Conditions for Online Parking Space Reservations at Cruise Center Steinwerder

Terms & Conditions for Online Parking Space Reservations at Cruise Center Steinwerder Terms & Conditions for Online Parking Space Reservations at Cruise Center Steinwerder Scope 1. Usage of the Online Parking Space Reservation System https:\\parken.cruisegate-hamburg.de and the services

More information

Stand a chance to win a pair of Singapore Airlines return tickets to Hong Kong with ICBC Global Travel Mastercard Credit Card.

Stand a chance to win a pair of Singapore Airlines return tickets to Hong Kong with ICBC Global Travel Mastercard Credit Card. Promotion Details Stand a chance to win a pair of Singapore Airlines return tickets to Hong Kong with ICBC Global Travel Mastercard Credit Card. Promotion Period Valid from 1 December 2017 to 28 February

More information

Westpac Classic Visa Credit Card Westpac Business Visa Card

Westpac Classic Visa Credit Card Westpac Business Visa Card Westpac Classic Visa Credit Card Westpac Business Visa Card Fiji Conditions of Use Effective February 2014 Your Credit Card Contract includes this Conditions of Use brochure, the letter which advises both

More information

Regulation E Disclosure Revised 8/25/17 First State Bank of Arcadia. Electronic Funds Transfer Agreement and Disclosure

Regulation E Disclosure Revised 8/25/17 First State Bank of Arcadia. Electronic Funds Transfer Agreement and Disclosure Regulation E Disclosure Revised 8/25/17 First State Bank of Arcadia North Arcadia Office East Arcadia Office 400 N Brevard Ave 2747 SE Hwy 70 Arcadia, FL. 34266 Arcadia, FL 34266 (863) 494-2220 863) 993-1500

More information

Conditions of Use Visa Debit. As issued by Firstmac Assets Pty Ltd and Indue Ltd (Valid from )

Conditions of Use Visa Debit. As issued by Firstmac Assets Pty Ltd and Indue Ltd (Valid from ) Conditions of Use Visa Debit As issued by Firstmac Assets Pty Ltd and Indue Ltd (Valid from 22.06.2012) 2 BEFORE YOU USE YOUR VISA CARD Please read these Conditions of Use. They apply to: all transactions

More information

ELECTRONIC FUND TRANSFERS DISCLOSURE. and MOBILE BANKING AGREEMENT YOUR RIGHTS AND RESPONSIBILITIES IMPORTANT! IF YOU DISCOVER YOUR

ELECTRONIC FUND TRANSFERS DISCLOSURE. and MOBILE BANKING AGREEMENT YOUR RIGHTS AND RESPONSIBILITIES IMPORTANT! IF YOU DISCOVER YOUR ELECTRONIC FUND TRANSFERS DISCLOSURE and MOBILE BANKING AGREEMENT YOUR RIGHTS AND RESPONSIBILITIES IMPORTANT! IF YOU DISCOVER YOUR VISA DEBIT CARD OR MAC CARD IS LOST OR STOLEN, PLEASE REPORT IT IMMEDIATELY

More information

PRODUCT DISCLOSURE STATEMENT

PRODUCT DISCLOSURE STATEMENT PRODUCT DISCLOSURE STATEMENT MCC RELOADABLE EFTPOS PREPAID CARD 1. ABOUT THIS PRODUCT DISCLOSURE STATEMENT This Product Disclosure Statement ( PDS ) contains important information about the MCC reloadable

More information

NAB Personal Project Loan Terms and Conditions Including: Information Statement

NAB Personal Project Loan Terms and Conditions Including: Information Statement NAB Personal Project Loan Terms and Conditions Including: Information Statement Effective 01 August 2008 Lost/stolen card reporting In Australia Call toll free, 24 hours per day 1800 033 103 Overseas Call

More information

get cash withdrawals from savings account(s) with an ATM card get cash withdrawals from savings account(s) with a debit card

get cash withdrawals from savings account(s) with an ATM card get cash withdrawals from savings account(s) with a debit card ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES 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

More information

The Cecilian Bank Bill Pay Terms and Conditions. Welcome to The Cecilian Bank Online Bill Pay Service.

The Cecilian Bank Bill Pay Terms and Conditions. Welcome to The Cecilian Bank Online Bill Pay Service. The Cecilian Bank Bill Pay Terms and Conditions Welcome to The Cecilian Bank Online Bill Pay Service. Introduction: You may use Online Bill Pay Service to direct The Cecilian Bank (Bank) to make payments

More information

Online Banking Agreement and Disclosures

Online Banking Agreement and Disclosures Online Banking Agreement and Disclosures 1. INTRODUCTION This Agreement and Disclosure for accessing your accounts at 1st Bank Yuma via Online or Mobile Banking is provided for your information. Please

More information

ISLAMIC BUSINESS ACCOUNT CHARGES. Your account charges explained

ISLAMIC BUSINESS ACCOUNT CHARGES. Your account charges explained ISLAMIC BUSINESS ACCOUNT CHARGES Your account charges explained Contents Introduction 3 Introductory offer 3 When your free banking ends 3 Help with queries 3 Keeping your charges low 4 Statements 4 Balance

More information

FAQ, Technical Support and Enquiries

FAQ, Technical Support and Enquiries 9 FAQ, Technical Support and Enquiries 1. What should I do if I forget my user ID? Primary Users can visit our branches for your user ID. Delegated Users can request a Primary User to login to CBS Online

More information

Tri-County Trust Company Online Banking Disclosure and Agreement 05/13/2016

Tri-County Trust Company Online Banking Disclosure and Agreement 05/13/2016 Tri-County Trust Company Online Banking Disclosure and Agreement 05/13/2016 This Online Banking Agreement and Disclosure ( Agreement ) describes your rights and obligations as a user of the Online Banking

More information

Visa Credit Card Conditions of Use

Visa Credit Card Conditions of Use Visa Credit Card Conditions of Use Effective date: 1 December 2017 This booklet should be read in conjunction with the Terms and Conditions contained in the Financial Service Guide (FSG) for the Bank products

More information

Altitude Business credit cards.

Altitude Business credit cards. Altitude Business credit cards. Conditions of Use. Effective as at 4 April 2018. Your Credit Card Contract includes this Conditions of Use brochure, the letter which advises your credit limit and the precontractual

More information

AMP Notice Accounts. Notice of Supplementary Changes to AMP Bank customers

AMP Notice Accounts. Notice of Supplementary Changes to AMP Bank customers AMP Bank AMP Notice Accounts Notice of Supplementary Changes to AMP Bank customers AMP Notice Account Product Disclosure Statement Effective date: 4 December 2017 The following changes to the AMP Notice

More information

Visa Platinum Credit Card (With City National Rewards ) PRICING INFORMATION (As of March 1, 2018)

Visa Platinum Credit Card (With City National Rewards ) PRICING INFORMATION (As of March 1, 2018) Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases Visa Platinum Credit Card (With City National Rewards ) PRICING INFORMATION (As of March 1, 2018) 16.00% to 18.00% This APR

More information

First Heritage Federal Credit Union First Line User Agreement

First Heritage Federal Credit Union First Line User Agreement First Heritage Federal Credit Union First Line User Agreement Important: To enroll for First Line, you must consent to receive notices and information about the service electronically. You must have the

More information

HAWAIIAN PRINCESS TIMESHARE OWNERS ASSOCIATION RESERVATION POLICIES AND PROCEDURES

HAWAIIAN PRINCESS TIMESHARE OWNERS ASSOCIATION RESERVATION POLICIES AND PROCEDURES HAWAIIAN PRINCESS TIMESHARE OWNERS ASSOCIATION RESERVATION POLICIES AND PROCEDURES RESERVATION QUICK TIPS Keep this information with your important documents for future reference. information for: Refer

More information

Community Bank of Oklahoma Online Banking Access Agreement

Community Bank of Oklahoma Online Banking Access Agreement Community Bank of Oklahoma Online Banking Access Agreement I. Introduction II. Accessing Your Community Bank of Oklahoma Accounts through online banking A. Requirements B. Electronic Mail (E-mail) C. Fees

More information

Current Account Conditions and AccounT Information.

Current Account Conditions and AccounT Information. Current Account Conditions and AccounT Information. If you open an account with us it will be with Yorkshire Building Society (trading as Norwich & Peterborough Building Society, Norwich & Peterborough

More information

Questions & Answers. for customers transferring from HSBC (Cayman) Limited to Butterfield Bank (Cayman) Limited

Questions & Answers. for customers transferring from HSBC (Cayman) Limited to Butterfield Bank (Cayman) Limited Questions & Answers for customers transferring from HSBC (Cayman) Limited to Rev.22102014 TABLE OF CONTENTS Note: This information is applicable to retail (personal) and corporate banking customers. Definitions...

More information

NBT Online Banker Terms and Conditions

NBT Online Banker Terms and Conditions These NBT Online Banker ( ) set forth the terms and conditions that will apply to you as a user of NBT Online Banker and Personal Financial Manager ( SYSTEM ). By use of NBT Online Banker and Personal

More information

1. Validity of TREATS Points Rewards Programme This programme is valid till 31 December 2018, unless otherwise stated by Maybank.

1. Validity of TREATS Points Rewards Programme This programme is valid till 31 December 2018, unless otherwise stated by Maybank. TREATS Points Rewards Programme 2018 General Terms and Conditions 1. Validity of TREATS Points Rewards Programme 2018 1.1 This programme is valid till 31 December 2018, unless otherwise stated by Maybank.

More information

The Southern Bank Company. Electronic Fund Transfers Your Rights and Responsibilities

The Southern Bank Company. Electronic Fund Transfers Your Rights and Responsibilities The Southern Bank Company Electronic Fund Transfers Your Rights and Responsibilities Federal Law requires that consumers who make use of the Banks electronic funds transfer services receive the disclosures

More information

Our fees and charges explained

Our fees and charges explained Our fees and charges explained and other important information about how your mortgage works - December 2016 What s in this booklet Keeping you informed 3 Application and valuation fees 3 Application fees

More information

RWS Invites Programme Terms and Conditions (effective 22 June 2018)

RWS Invites Programme Terms and Conditions (effective 22 June 2018) RWS Invites Programme Terms and Conditions (effective 22 June 2018) Eligible Spend has the meaning defined at Clause C2. Genting Dollars means the reward dollars being awarded to a member of the Genting

More information

ELECTRONIC FUNDS TRANSFER DISCLOSURE ERROR RESOLUTION NOTICE DEBIT CARD AGREEMENT

ELECTRONIC FUNDS TRANSFER DISCLOSURE ERROR RESOLUTION NOTICE DEBIT CARD AGREEMENT ELECTRONIC FUNDS TRANSFER DISCLOSURE ERROR RESOLUTION NOTICE DEBIT CARD AGREEMENT A. Consumer Liability Tell us AT ONCE if you believe your card has been lost or stolen, or if you believe that an electronic

More information

Combined Conditions of Use and Credit Guide. Effective as at 30 June 2017.

Combined Conditions of Use and Credit Guide. Effective as at 30 June 2017. Combined Conditions of Use and Credit Guide. Effective as at 30 June 2017. Introduction. Your Credit Card Contract includes this Conditions of Use brochure, the letter which advises both your credit limit

More information

American Express Worldwide Travel Accident Insurance Certain limitations and exclusions apply.

American Express Worldwide Travel Accident Insurance Certain limitations and exclusions apply. Worldwide Travel Accident Insurance: Worldwide Travel Accident Insurance provides accidental death or dismemberment insurance while traveling on a common carrier, (plane, train, ship or bus) when the entire

More information

Club Rewards (Canada) Terms and Conditions

Club Rewards (Canada) Terms and Conditions Club Rewards (Canada) Terms and Conditions (I) DEFINITIONS 1. Capitalized words used in the terms and conditions of the Program are defined as follows: Account means a Card account. Authorized User means

More information

PRICING INFORMATION (As of September 30, 2017)

PRICING INFORMATION (As of September 30, 2017) Visa Platinum Credit Card PRICING INFORMATION (As of September 30, 2017) Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 15.00% APR for Cash Advances Paying Interest 16.00%

More information

Earth. Conditions of Use. Earth Credit Card. Earth Platinum Credit Card. Earth Platinum Plus Credit Card. Earth Black Credit Card.

Earth. Conditions of Use. Earth Credit Card. Earth Platinum Credit Card. Earth Platinum Plus Credit Card. Earth Black Credit Card. Earth. Conditions of Use. Earth Credit Card. Earth Platinum Credit Card. Earth Platinum Plus Credit Card. Earth Black Credit Card. Effective Date: 26 May 2018. We would ask you to take some time to read

More information

State Bank Financial State Bank Shelby 4020 Mormon Coulee Road La Crosse WI ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE

State Bank Financial State Bank Shelby 4020 Mormon Coulee Road La Crosse WI ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE State Bank Financial State Bank Shelby 4020 Mormon Coulee Road 608.788.0400 ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE For purposes of this disclosure and agreement the terms "we", "us" and "our"

More information

Opal Refund and Balance Transfer Policy. Electronic Ticketing System Version 4.5

Opal Refund and Balance Transfer Policy. Electronic Ticketing System Version 4.5 Opal Refund and Balance Transfer Policy Electronic Ticketing System Version 4.5 OPAL Refund and Balance Transfer Policy Contents 1. Introduction 2. Definitions 3. Reloadable Opal Cards A. Refunds B. Balance

More information

All users of Kids City must comply with our terms and conditions in order to use the service.

All users of Kids City must comply with our terms and conditions in order to use the service. Terms and Conditions Contents 1. Registration... 2 2. Bookings... 2 a. Regular Service... 2 b. Superheroes Service... 2 c. All Services... 2 d. Notice Period (Booking In Period for Term and Holidays)...

More information

BILL PAY SERVICE DEFINITIONS

BILL PAY SERVICE DEFINITIONS BILL PAY SERVICE DEFINITIONS "Service or The Service" means Alcon Employees Federal Credit Union Online Bill Payment, the bill payment service offered by Alcon Employees Federal Credit Union through ipay

More information

TERMS & CONDITIONS. Bank Islam TruRewards Loyalty Programme

TERMS & CONDITIONS. Bank Islam TruRewards Loyalty Programme TERMS & CONDITIONS Bank Islam TruRewards Loyalty Programme This TruRewards terms and conditions govern the entitlement of Bank Islam Card-i Cardmembers to receive TruPoints by the use of such cards and

More information

Electronic Funds Transfer Disclosures

Electronic Funds Transfer Disclosures Electronic Funds Transfer Disclosures 2303 South Center Road Burton, MI 48519 PH: 810-715-3542 TF: 800-882-6457 FX: 810-600-2590 www..elgacu.com The following disclosure set forth your and our rights and

More information

Combined Conditions of Use and Credit Guide. Effective as at 30 June 2017.

Combined Conditions of Use and Credit Guide. Effective as at 30 June 2017. Combined Conditions of Use and Credit Guide. Effective as at 30 June 2017. Important changes to Altitude card accounts. The Reserve Bank of Australia introduced new industry wide regulations on 1 July

More information

Agreement means these Terms and Conditions, together with the Fee Schedule in accordance with 1.1.

Agreement means these Terms and Conditions, together with the Fee Schedule in accordance with 1.1. Terms and Conditions DEFINITIONS Agreement means these Terms and Conditions, together with the Fee Schedule in accordance with 1.1. Available Funds means at any given time any unspent funds loaded onto

More information

Neighborhood Credit Union Electronic Fund Transfer Disclosure

Neighborhood Credit Union Electronic Fund Transfer Disclosure Neighborhood Credit Union Electronic Fund Transfer Disclosure THIS IS YOUR ELECTRONIC SERVICES DISCLOSURE AND AGREEMENT. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER

More information

CREDIT CARDS CONDITIONS OF USE

CREDIT CARDS CONDITIONS OF USE CREDIT CARDS CONDITIONS OF USE EFFECTIVE 18 SEPTEMBER 2017 Important note This booklet does not contain all the pre-contractual information we are required by law to give you before the agreement is made.

More information

Oracle Banking Digital Experience

Oracle Banking Digital Experience Oracle Banking Digital Experience Retail Credit Cards User Manual Release 16.1.0.0.0 Part No. E71761-01 March 2016 Retail Credit Cards User Manual March 2016 Oracle Financial Services Software Limited

More information

NETS TERMS AND CONDITIONS GOVERNING THE USE OF CASHCARD -NETS FLASHPAY

NETS TERMS AND CONDITIONS GOVERNING THE USE OF CASHCARD -NETS FLASHPAY NETS TERMS AND CONDITIONS GOVERNING THE USE OF CASHCARD -NETS FLASHPAY 1 DEFINITIONS 1.1 The following expressions shall have the meanings set out opposite them: Approved Banks DBS Bank Ltd, Oversea-Chinese

More information

Our fees and charges explained

Our fees and charges explained Our fees and charges explained and other important information about how your mortgage works - April 2017 What s inside Keeping you informed 3 Cashback 3 Application and valuation fees 3 Application fees

More information

o The words "You" and "Your" mean a South Shore Bank Home Banking customer.

o The words You and Your mean a South Shore Bank Home Banking customer. South Shore Bank Home Banking Authorization/Agreement This Agreement for South Shore Bank Home Banking (the "Agreement") is entered into between the Bank and any customer who uses Home Banking (the "Service")

More information

Frequently asked questions.

Frequently asked questions. Frequently asked questions. Frequently asked questions. Mobile App and Internet Banking. Our Mobile App and Internet Banking are available, but if you re having difficulty logging in, please try closing

More information

IMPORTANT ACCOUNT INFORMATION FOR OUR CUSTOMERS from. Union State Bank 545 Main Street Everest, KS (785)

IMPORTANT ACCOUNT INFORMATION FOR OUR CUSTOMERS from. Union State Bank 545 Main Street Everest, KS (785) IMPORTANT ACCOUNT INFORMATION FOR OUR CUSTOMERS from Union State Bank 545 Main Street Everest, KS 66424 (785)548-7521 ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES Indicated below are types

More information

You are also acknowledging receipt of the following information and agree that: You will check your regularly for Notices from The Bank.

You are also acknowledging receipt of the following information and agree that: You will check your  regularly for Notices from The Bank. Retail Internet Banking Terms and Conditions Internet Banking Terms and Conditions Agreement By selecting the "I Accept" button, you are (1) acknowledging your receipt of the information listed, (2) agreeing

More information

Participation in the Maybank Points Redemption Programme is subject to the following terms and conditions and to the Cardmembers Agreement.

Participation in the Maybank Points Redemption Programme is subject to the following terms and conditions and to the Cardmembers Agreement. TERMS & CONDITIONS ON-THE SPOT REDEMPTION PROGRAMME Participation in the Maybank Points Redemption Programme is subject to the following terms and conditions and to the Cardmembers Agreement. I. ELIGIBILITY

More information

Bank of Herrin Online Banking Services Agreement

Bank of Herrin Online Banking Services Agreement Bank of Herrin Online Banking Services Agreement Business Name: Business Principal: Title: Address: Phone # Email address: Tax # Note: Complete the following only if the business principal wishes to designate

More information

BSN Zing PLUSMiles Card Auto-Reload Terms and Conditions. The terms and conditions stated herein govern the use of the Touch n Go Facility.

BSN Zing PLUSMiles Card Auto-Reload Terms and Conditions. The terms and conditions stated herein govern the use of the Touch n Go Facility. BSN Zing PLUSMiles Card Auto-Reload Terms and Conditions The terms and conditions stated herein govern the use of the Touch n Go Facility. Definitions Automatic Reload Function Auto-Reload Value Cardholder

More information

Only Eligible Persons are entitled to earn UNI$ as calculated and earned in the following manner:

Only Eligible Persons are entitled to earn UNI$ as calculated and earned in the following manner: Terms & Conditions ELIGIBILITY Only the following categories of persons are eligible ( Eligible Persons ) to participate in the United Overseas Bank Limited ( UOB ) Rewards Programme ( Programme ), subject

More information

CARDHOLDER AGREEMENT

CARDHOLDER AGREEMENT CARDHOLDER AGREEMENT This Cardholder Agreement ( Agreement ) is the terms and conditions governing our issuance and your use of your PlainsCapital Bank MasterCard ( Card ). Keep this document for future

More information

! The rental agreement is governed by the law of the country where you pick-up the

! The rental agreement is governed by the law of the country where you pick-up the BOOKING CONDITIONS Please read this document before you complete our booking as it privies important information about your booking and your rental, including what to bring with you when you pick up the

More information

ACCOUNT CHARGES. Your account charges explained

ACCOUNT CHARGES. Your account charges explained ACCOUNT CHARGES Your account charges explained June 2018 Account charges To put your business in greater control we d like to fully explain your business banking fees. Here we ll outline how our charges

More information

Business account terms

Business account terms Business account terms Contents GENERAL TERMS Glossary 3 The meaning of certain words and phrases used in these Terms. 1 Introduction 4 2 Use of accounts and giving us your instructions 4 3 Paying money

More information

Your account charges explained COMMERCIAL BANKING

Your account charges explained COMMERCIAL BANKING Your account charges explained COMMERCIAL BANKING Contents Help with queries 2 Keeping your charges low 2 Electronic Business Tariff 4 Business Extra Tariff 4 Other service charges for all tariffs 8 Business

More information

! The rental agreement is governed by the law of the country where you pick-up the BOOKING CONDITIONS. 1. Making a booking

! The rental agreement is governed by the law of the country where you pick-up the BOOKING CONDITIONS. 1. Making a booking BOOKING CONDITIONS Please read this document before you complete our booking as it provides important information about your booking and your rental, including what to bring with you when you pick up the

More information