About Us - Privacy & Disclosures

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PFCU Privacy Policy

Policemen's Federal Credit Union (PFCU) is committed to providing our members with competitive products and services to meet their financial needs and goals. We are equally committed to protecting the privacy of our members. Under federal law, we are required to give you this privacy notice. It describes our credit union's privacy policy and practices concerning the personal information we collect and disclose about our members. This policy also includes information about the parties who receive personal and sometimes nonpublic information from us as we conduct the business of the credit union.

If you have questions after reading this notice, please contact us at 574-234-1524 or write to: Privacy Notice, Policemen's Federal Credit Union, 1130 S. Main St., South Bend, IN 46601.

GENERAL PROVISIONS AND INFORMATION WE COLLECT

Policemen's Federal Credit Union shall protect the confidentiality, security, and integrity of each member's nonpublic personal information in accordance with existing state and federal laws.

The credit union will maintain physical, electronic, and procedural safeguards that comply with federal standards to guard members' nonpublic personal information.

The credit union will not gather, collect, or maintain any information about its members that is not necessary in order to offer its products and services, to complete member transactions or for other relevant business purposes.

Policemen's Federal Credit Union collects nonpublic personal information about you from the following sources:

  1. Information we receive from you on applications and other forms;
  2. Information about your transactions with us or others;
  3. Information we receive from consumer reporting agencies (when applicable);
  4. Information obtained when verifying the information you provide on an application or other forms, such as from your current or past employer or other institutions where you conduct financial transactions.

PFCU does not and will not sell or provide any member information to third parties including list services, telemarketing firms, or outside companies for independent use. If you decide to terminate your membership or become an inactive member, we will continue to adhere to the privacy policies and practices as described in this notice.

There are times when PFCU may enter into an agreement with vendors to develop demographic information or with companies that perform marketing or other services on our behalf. In such instances, certain information may need to be made available to those vendors to complete their work. Their use of the PFCU member information is limited to that particular study, and the names are not to be retained in their files, or used for their own purposes.

Policemen's Federal Credit Union restricts access to your personal and account information to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

HOW YOU CAN HELP PROTECT YOUR PRIVACY

Members can help PFCU protect their privacy by following these guidelines:

  • Protect your account numbers, card numbers, PINs (personal identification numbers), and passwords. Never keep your PIN with your debit or credit card, as this may provide access to your accounts if your card is lost or stolen.
  • Use caution when disclosing your account numbers, social security numbers, etc. to others. If someone calls you, says they are calling on behalf of PFCU and asks for your account number, do not disclose this information. Official credit union staff will have access to your information and will not need to ask for it.
  • Keep your information with us current. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use of your account, we will attempt to contact you immediately. If your address or phone number changes, please let us know.

You will always have access to your information with proper identification. As a member of Policemen's Federal Credit Union, you will always have the opportunity to review your information and make necessary changes to ensure that our records are complete and accurate.

Truth-in-Savings - Primary Share, Christmas Club, Vacation, IRA and Special Accounts

  1. Rate information. The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. For Primary Share, Christmas Club, Vacation, IRA and Special accounts, the Dividend Rate and Annual Percentage Yield may change quarterly as determined by the Credit Union's Board of Directors. For Share Draft accounts, the Dividend Rates and Annual Percentage Yield may change monthly as determined by the Credit Union's Board of Directors. The Dividend Rates and Annual Percentage Yields are the prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period.
  2. Nature of Dividends. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period.
  3. Dividend Compounding and Crediting. The compounding and crediting frequency of dividends and dividend period applicable to each account are stated in the Rate Schedule. The Dividend Period is the period of time at the end of which an account earns dividend credit. The Dividend Period begins on the first calendar day of the period and ends on the last calendar day of the period.
  4. Accrual of Dividends. For all accounts, dividends will begin to accrue on noncash deposits (e.g., checks) on the business day you make the deposit to your account. If you close your account before accrued dividends are credited, you will not receive the accrued dividends. However, for Christmas Club accounts, any accrued dividends will be paid if you close the account within seven (7) days of the date you open it.
  5. Balance Information. To open any account you must deposit or already have on deposit at least the par value of one full share in a Primary Share account. The par value amount is stated in the Fee Schedule. Some accounts may have additional minimum opening deposit requirements. The minimum balance requirements applicable to each account are stated in the Rate Schedule. For Share Draft accounts, there is a minimum Daily Balance required to earn the Annual Percentage Yield disclosed for the dividend period. If the minimum daily balance is not met each day of the dividend period, you will not earn the stated Annual Percentage Yield. For accounts using the Daily Balance method as stated on the Rate Schedule, dividends are calculated by applying a daily periodic rate to the balance in the account each day.
  6. Account Limitations. For Primary Share, Vacation, IRA and Special accounts, no more than six (6) preauthorized, automatic, or telephone transfers may be made from each account to another account or to a third party in any month, and no more than three (3) of these six (6) transfers may be made by check, draft, or debit card to a third party. If you exceed these limitations, your account may be subject to a fee or be closed. For Christmas Club accounts, the entire balance will be transferred to another account of yours in November, and the account will remain open. For Share Draft accounts, no account limitations apply.
  7. Fees for Overdrawing Accounts. Fees may be imposed on each check, draft, item, ATM card withdrawal, debit card point of purchase, preauthorized automatic debit, telephone initiated withdrawal or any other electronic withdrawal or transfer transaction that is drawn on an insufficient available account balance. The entire balance in your account may not be available for withdrawal, transfer or paying a check, draft or item. You may consult the Funds Availability Policy for information regarding the availability of funds in your account. Fees for overdrawing your account may be imposed for each overdraft, regardless of whether we pay or return the draft, item or transaction. If we have approved an overdraft protection limit for your account, such fees may reduce your approved limit. Please refer to the Fee Schedule for current fee information.

Truth-in-Savings Disclosure - Certificate Accounts

  1. Rate Information. The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. For all accounts, the Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the initial term of the account. For accounts subject to dividend compounding, the Annual Percentage Yield is based on an assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings.
  2. Dividend Period. For each account the dividend period is the account's term. The dividend period begins on the first day of the term and ends on the maturity date.
  3. Dividend Compounding and Crediting. The compounding and crediting frequency of dividends are stated in the Rate Schedule.
  4. Balance Information. The minimum balance requirements applicable to each account are set forth in the Rate Schedule. To open any account you must deposit or already have on deposit at least the par value of one full share in a Primary Share account. The par value amount is stated in the Fee Schedule. Some accounts may have additional minimum opening deposit requirements. For all accounts, dividends are calculated by the Daily Balance method, which applies a periodic rate to the balance in the account each day.
  5. Accrual of Dividends. For all accounts, dividends will begin to accrue on noncash deposit (e.g., checks) on the business day you make the deposit to your account. If you close your account before accrued dividends are credited, accrued dividends will not be paid.
  6. Transaction Limitations. For all account, after your account is opened you may make withdrawals subject to the early withdrawal penalties stated below.
  7. Maturity. Your account will mature as stated on this Truth-in-Savings Disclosure or on your Account Receipt or Renewal Notice.

    Early Withdrawal Penalty. We may impose a penalty if you withdraw from your account before the maturity date.

    Amount of Penalty. For all accounts, the amount of the early withdrawal penalty is based on the term of your account. The penalty schedule is as follows:
    • Terms of 6 to 12 months: 30 days dividends
    • Terms of 18 to 48 months: 90 days dividends


    How the Penalty Works. The penalty is calculated as a forfeiture of part of the dividends that have been or would be earned on the account. It applies whether or not the dividends have been earned. In other words, if the account has not yet earned enough dividends or if the dividend has already been paid, the penalty will be deducted from the principal.

    Exceptions to Early Withdrawal Penalties. At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances:
    1. When an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction
    2. Where the account is an Individual Retirement Account (IRA) and any portion is paid within seven (7) days after the establishment; or where the account is a Keogh Plan (Keogh) provided that the depositor forfeits an amount of at least equal to the simple dividends earned in the amount withdrawn; or where the account is an IRA or Keogh and the owner attains age 59 ½ or becomes disabled.
    Renewal Policy. The renewal policy for your accounts is stated in the Rate Schedule. For all accounts, your account will not automatically renew for another term. You will not be paid dividends on the account after the maturity date. Upon maturity, the account balance will be transferred to another account of yours.

    Nontransferable / Nonnegotiable. Your account is nontransferable and nonnegotiable.

Electronic Funds Transfer Agreement and Disclosure

This Electronic Funds Transfer Agreement is the contract which covers your and our rights and responsibilities concerning the electronic funds transfer (EFT) services offered to you by Policemen's Federal Credit Union ("Credit Union"). In this Agreement, the words "you" and "yours" mean those who sign the application or account card as applicants, joint owners, or any authorized users. The words "we," "us", and "our" mean the Credit Union. The word "account" means any one or more share and share draft accounts you have with the Credit Union. Electronic funds transfers are electronically initiated transfers of money from your account through the electronic funds transfer services described below. By signing an application or account card for EFT services, signing your card, or using any service, each person, jointly and severally, agree to the terms and conditions in this Agreement and any amendments for the EFT services offered.

  1. EFT Services. If approved, you may conduct any one or more of the EFT services offered by the Credit Union.
    1. ATM. If approved, you may use your card and PIN (Personal Identification Number) in automated teller machines of the Credit Union, STAR (MAC), Cirrus networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may use your card to:
      • Make deposits to your share and share draft accounts.
      • Withdraw funds from your share and share draft accounts.
      • Transfer funds from your share and share draft accounts.
      • Obtain balance information for your share and share draft accounts.
      • Make POS (Point-of-Sale) transactions with your card and PIN (Personal Identification Number) to purchase goods or services at POS terminals that carry STAR (MAC), Cirrus network logo(s).
      The following limitations on the frequency and amount of ATM transactions may apply:
      • There is no limit on the number of cash withdrawals you may make in any one day.
      • You may withdraw up to a maximum of $200.00 in any one day, if there are sufficient funds in your account.
      • There is no limit on the number of POS transactions you may make in any one day.
      • You may transfer up to the available balance in your accounts at the time of the transfer.
      • See Section 2 for transfer limitations that may apply to these transactions.
      Because of the servicing schedule and processing time required in ATM operations, there may be a delay between the time a deposit (either cash or check) is made and when it will be available for withdrawal.
    2. VISA Check Card. You may use your card to purchase goods and services from participating merchants. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your share draft account. If the balance in your account is not sufficient to pay the transaction amount, the Credit Union will pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your Account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and PIN (Personal Identification Number) in automated teller machines of the Credit Union, STAR (MAC), Cirrus networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your card to:
      • Make deposits to your share and share draft accounts.
      • Withdraw funds from your share and share draft accounts.
      • Transfer funds from your share and share draft accounts.
      • Obtain balance information for your share and share draft accounts.
      • Make POS (Point-of-Sale) transactions with your card and PIN (Personal Identification Number) to purchase goods or services at merchants that accept VISA.
      The following limitations on the frequency and amount of VISA Check Card transactions may apply:
      • There is no limit on the number of VISA Check Card purchases you may make per day.
      • Purchase amounts are limited to the amount in your account.
      • You may purchase up to a maximum of $1500.00 per day.
      • There is no limit to the number of cash withdrawals you may make in any one day from an ATM machine.
      • You may withdraw up to a maximum of $200.00 in any one day from an ATM machine, if there are sufficient funds in your account.
      • There is no limit on the number of POS transactions you may make in any one day.
      • You may purchase up to a maximum of $1500 from POS terminals per day, if there are sufficient funds in your account.
      • You may transfer up to the available balance in your accounts at the time of the transfer.
      • See Section 2 for transfer limitations that may apply to these transactions.
    3. Sybil. If we approve Sybil for your accounts, a separate PIN (Personal Identification Number) will be assigned to you. You must use your PIN along with your account number to access your accounts. At the present time you may use Sybil to:
      • Withdraw funds from your share and share draft accounts.
      • Transfer funds from your share and share draft accounts.
      • Obtain balance information for your share, share draft, Christmas Club, and special savings accounts.
      • Make loan payments from your share and share draft accounts.
      • Determine if a particular item has cleared.
      • Verify the last date and amount of your payroll deposit.
      Your accounts can be accessed via Sybil with a touch tone telephone only. Sybil service will be available for your convenience twenty-four (24) hours per day. This service may be interrupted for a short time each day for data processing.
      • There is a limit of five (5) transactions per call and certain limits on the account history information available.
      • See Section 2 for transfer limitations that may apply to these transactions.
      The Credit Union reserves the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. All checks are payable to you as a primary member and will be mailed to your address of record. The Credit Union may set other limits on the amount of any transaction, and you will be notified of those limits. The Credit Union may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction, and there may be limits on the duration of each telephone call.
    4. Preauthorized EFTs.
      • Direct Deposit. Upon instruction by (i) your employer or (ii) the Treasury Department or (iii) other financial institutions, the Credit Union will accept direct deposits of your paycheck or of federal recurring payments, such as Social Security, to your share / share draft account.
      • Preauthorized Debits. Upon instruction, we will pay certain recurring transactions from your share and share draft account.
        • See Section 2 for transfer limitations that may apply to these transactions.
      • Stop Payment Rights. If you have arranged in advance to make regular electronic fund transfers out of your account(s) for money you owe others, you may stop payment of preauthorized transfers from your account. You must notify us orally or in writing at any time, up to three (3) business days before the scheduled date of the transfer. We may require written confirmation of the stop payment order to be made within fourteen (14) days of any oral notification. If we do not receive the written confirmation, the oral stop payment order shall cease to be binding fourteen (14) days after it has been made.
      • Notice of Varying Amounts. If these regular payments may vary in amount, the person you are going to pay is required to tell you, ten (10) days before each payment, when it will be made and how much it will be. You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment or when the amount would fall outside certain limits that you set.
      • Liability for Failure to Stop Payment of Preauthorized Transfers. If you order us to stop payment of a preauthorized transfer three (3) business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.
    5. Electronic Check Conversion / Electronic Returned Check Fees. If you pay for something with a check or share draft you may authorize your check or share draft to be converted to an electronic fund transfer. You may also authorize merchants to electronically debit your account for returned check fees. You are considered to have authorized these electronic funds transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization.
    6. Perfect Teller. If we approve Perfect Teller for your accounts, a separate PIN (Personal Identification Number) will be assigned to you. You must use your PIN along with your account number to access your accounts. At the present time, you may use Perfect Teller to:
      • Transfer funds from your share, share draft and Christmas Club, special or vacation accounts.
      • Obtain balance information for your share, share draft, Christmas Club, special or vacation accounts.
      • Make loan payments from your share, share draft, Christmas Club, special or vacation accounts.
      Your accounts can be accessed via Perfect Teller with a personal computer. Perfect Teller will be available for your convenience twenty-four (24) hours per day. This service may be interrupted for a short time each day for data processing. We reserve the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. All checks are payable to you as a primary member and will be mailed to your address of record. We may set other limits on the amount of any transaction, and you will be notified of those limits. We may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction, and there may be limits on the duration of each access.
      • There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one day.
      • See Section 2 for transfer limitations that may apply to these transactions.
  2. Transfer Limitations. For all share accounts, no more than six (6) preauthorized, automatic, telephone, or Internet transfers or withdrawals may be made from each account to another account of yours or to a third party in any month, and no more than three (3) of these six (6) may be made by check, draft, or access card to a third party. If you exceed these limitations, your account may be subject to a fee or be closed.
  3. Conditions of EFT Services.
    1. Ownership of Cards. Any card or other device which we supply to you is our property and must be returned to us, or to any person whom we authorize to act as our agent, or to any person who is authorized to honor the card, immediately according to instructions. The card may be repossessed at any time at our sole discretion without demand or notice. You cannot transfer your card or account to another person.
    2. Honoring the Card. Neither we nor merchants authorized to honor the card, will be responsible for the failure or refusal to honor the card or any other device we supply to you. If a merchant agrees to give you a refund or adjustment, you agree to accept a credit to your account in lieu of a cash refund.
    3. Foreign Transactions. VISA Purchases and cash withdrawals made in foreign countries and foreign currencies will be debited from your account in U.S. dollars. The conversion rate to dollars will be determined in accordance with the operating regulations established by VISA International. Currently the currency conversion rate used to determine the transaction amount in U.S. dollars is generally either a government-mandated rate or the wholesale rate in effect the day before the transaction processing date, increased by one percentage point. The currency conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or cardholder statement posting date.
    4. Security of Access Code. You may use one or more access codes with your electronic funds transfers. The access codes issued to your are for your security purposes. Any codes issued to you are confidential and should not be disclosed to third parties or recorded on or with the card. You are responsible for safekeeping your access codes. You agree not to disclose or otherwise make your access codes available to anyone not authorized to sign on your accounts. If you authorize anyone to use your access codes, that authority shall continue until you specifically revoke such authority by notifying the Credit Union. You understand that any joint owner you authorize to use an access code may withdraw or transfer funds from any of your accounts and if the Credit Union suffers a loss, we may terminate your EFT services immediately.
    5. Joint Accounts. If any of your accounts accessed under this Agreement are joint accounts, all joint owners, including any authorized users, shall be bound by this Agreement and, alone and together, shall be responsible for all EFT transactions to or from any share and share draft or loan accounts as provided in this Agreement. Each joint account owner, without the consent of any other account owner, may, and hereby is authorized by every other joint account owner to make any transaction permitted under this Agreement. Each joint account owner is authorized to act for the other account owners, and the Credit Union may accept orders and instructions regarding any EFT transaction on any account from any joint account owner.
  4. Fees and Charges. There are certain fees and charges for electronic funds transfer services. For a current listing of all applicable fees, see our current Fee Schedule that was provided to you at the time you applied for or requested these electronic services. From time to time, the charges may be changed. We will notify you of any changes as required by applicable law.

    If you use an ATM not operated by us, you may be charged a fee by the ATM operator and by any national, regional, or local network used in processing the transaction (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer). The ATM surcharge will be debited from your account if you elect to complete the transaction or continue with the balance inquiry.
  5. Member Liability. You are responsible for all EFT transactions you authorize. If you permit someone else to use an EFT service, your card or your access code, you are responsible for any transactions they authorize or conduct on any of your accounts.

    Tell us AT ONCE if you believe your card has been lost or stolen or if you believe someone has your card or access code or otherwise accessed your accounts without your authority. 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 was either a VISA or Interlink transaction, you will have no liability for the transaction, unless you were grossly negligent in the handling of your account or card. For all other EFT transactions, including ATM transactions or if you were grossly negligent in the handling of your account or card, your liability for an unauthorized transaction is determined as follows:

    If you tell us within two (2) business days, you can lose no more than $50 if someone used 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 we could have stopped someone from using your card without your permission if you had told us, you could lose as much as $500.00.

    Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money lost after the sixty (60) days if we can prove that we could have stopped someone from making the 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 time periods. If you believe your card has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call:

    (800) 523-4175 after hours & on weekends-only for lost or stolen cards; Fax: (574) 234-1548; or write to: Policemen's Federal Credit Union, 1130 South Main St., South Bend, IN 46601.
  6. Right to Receive Documentation.
    1. Periodic Statements. Transfers and withdrawals made through any ATM or POS terminal, Debit Card transaction, audio response transactions, preauthorized EFTs or electronic / PC transactions will be recorded on your periodic statement. You will receive a statement monthly unless there is no transaction in a particular month. In any case, you will receive a statement at least quarterly.
    2. Terminal Receipt. You will get a receipt at the time you make any transaction (except inquiries) involving your account using an ATM, POS terminal, or Debit Card transaction with a participating merchant.
    3. Direct Deposit. If you have arranged to have a direct deposit made to your account at least once every sixty (60) days from the same source and you do not receive a receipt (such as a pay stub), you can find out whether the deposit has been made by calling (574) 234-1524. This does not apply to transactions occurring outside the United States.
  7. Account Information Disclosure. We will disclose information to third parties about your account or the transfers you make:
    • As necessary to complete transfers;
    • To verify the existence of sufficient funds to cover specific transactions upon the request of a third party, such as a credit bureau or merchant;
    • To comply with government agency or court orders; or
    • If you give us your written permission.
  8. Business Days. Our business days are Monday through Friday, excluding holidays.
  9. Credit Union Liability for Failure to Make Transfers. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we may be liable for your losses or damages. However, we will not be liable for direct or consequential damages in the following events:
    • If, through no fault of ours, there is not enough money in your accounts to complete the transaction, if any funds in your accounts necessary to complete the transaction are held as uncollected funds pursuant to our Funds Availability Policy, or if the transaction involves a loan request exceeding your credit limit.
    • If you used your card or access code in an incorrect manner.
    • If the ATM where you are making the transfer does not have enough cash.
    • If the ATM was not working properly and you knew about the problem when you started the transaction.
    • If the money in your account is subject to legal process or other claim.
    • If funds in your account are pledged as collateral or frozen because of a delinquent loan.
    • If the error was caused by a system of any participating ATM network.
    • If the electronic transfer is not completed as a result of your willful or negligent use of your card, access code, or any EFT facility for making such transfers.
    • If the telephone or computer equipment you use to conduct audio response or electronic / PC transactions is not working properly and you know or should have known about the breakdown when you started the transaction.
    • Any other exceptions as established by the Credit Union.
  10. Notices. All notices from us will be effective when we have mailed them or delivered them to your last known address in the Credit Union's records. Notices from you will be effective when received by the Credit Union at the address specified in this Agreement. We reserve the right to change the terms and conditions upon which this service is offered. We will mail a notice to you at least twenty-one (21) days before the effective date of any change. Use of this service is subject to existing regulations governing the Credit Union account and any future changes to those regulations.

    The following information is a list of safety precautions regarding the use of Automated Teller Machines (ATMs) and Night Deposit Facilities.
    • Be aware of your surroundings, particularly at night.
    • 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 coming back later. If you are in the middle of a transaction and you notice something suspicious, cancel the transaction, take your card 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 or code on your ATM card.
    • Report all crimes to law enforcement officials immediately.
  11. Billing Errors. In case of errors or questions about electronic funds transfers from your share and share draft accounts, telephone us at the following number or send us a written notice to the following address as soon as you can. We must hear from you no later than sixty (60) days after we sent the FIRST statement on which the problem appears. Call us at: (800) 523-4175 after hours & on weekends - only for lost or stolen cards; Fax (574) 234-1548; or write to: Policemen's Federal Credit Union, 1130 South Main St., South Bend, IN 46601.
    • Tell us your name and account number.
    • Describe the electronic transfer you are unsure about, and explain as clearly as you can why you believe the Credit Union has made 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 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 question in writing and we do not receive it within ten (10) business days, we may not credit your account.

    We will tell you the results within three (3) business days of completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

    * If you give notice of an error within thirty (30) days after you make the first deposit to your account, we will have twenty (20) business days instead of ten (10) business days.

    ** If you give notice of an error within thirty (30) days after you make the first deposit to your account, notice of an error involving a point of sale transaction, or notice of an error involving a transaction initiated outside the U.S. or its possessions and territories, we will have ninety (90) days instead of forty-five (45) days to investigate.

    NOTE: If the error you assert is an unauthorized VISA transaction, other than a cash disbursement at an ATM, we will credit your account within five (5) business days unless we determine that the circumstances or your account history warrant a delay, in which case you will receive credit within ten (10) business days.
  12. Termination of EFT Services. You may terminate this Agreement or any EFT service under this Agreement at any time by notifying us in writing and stopping your use of your card and any access code. You must return all cards to the Credit Union. You also agree to notify any participating merchants that authority to make bill payment transfers has been revoked. We may also terminate this Agreement at any time by notifying you orally or in writing. If we terminate the Agreement, we may notify any participating merchants making preauthorized debits or credits to any of your accounts that this Agreement has been terminated and that we will not accept any further preauthorized transaction instructions. We may also program our computer not to accept your card or access code for any EFT service. Whether you or the Credit Union terminates this Agreement, the termination shall not affect your obligations under this Agreement for any EFTs made prior to termination.
  13. Governing Law. This Agreement is governed by the Bylaws of the Credit Union, federal laws and regulations, the laws and regulations of the state of Indiana and local clearinghouse rules, as amended from time to time. Any disputes regarding this Agreement shall be subject to the jurisdiction of the court of the county in which the Credit Union is located.
  14. Enforcement. You are liable to us for any loss, cost or expenses we incur resulting from your failure to follow this Agreement. You authorize us to deduct any such loss, costs or expenses from your account without prior notice to you. If we bring a legal action to collect any amount due under or to enforce this Agreement, we shall be entitled, subject to applicable law, to payment of reasonable attorney's fees and costs, including fees on any appeal, bankruptcy proceedings, and any post-judgement collection actions.