CASH & CHECK CARD

OVERVIEW
Members may use their cards at ATM's bearing the VISA, Exchange and Plus logos, and may use their cards to purchase merchandise at locations bearing the VISA, Interlink and Accel logos.

To obtain a Cash and Check Card, a member must open a checking account and maintain a minimum of $100 in a Regular Savings Account.

A member may withdraw up to $400 per day at an ATM. This $400 limit is per base account number (excluding suffixes). Thus, co-accountholders may only withdraw a combined maximum amount of $400 per day, from noon to noon, Pacific standard time.

The sixth and each subsequent ATM withdrawal or inquiry per base account number per calendar month are subject to a $1 fee.

Cards and Personal Identification Numbers (PINs) that are lost or stolen will be replaced subject to a fee of $6.

Transactions not requiring a PIN may be made up to the available balance for goods and services from merchants who accept our cards. Available balance is defined as the balance in a members checking account and may include the available balance of your line of credit if such service has been specifically requested and approved.

A cardholder may purchase, up to the available balance as defined above, or a daily limit of $2500.00, whichever is less, with a PIN based transaction.

Transfers conducted at an ATM are free of charge.

Deposits made at an ATM are free of charge.

Two cards per base account number (excluding suffixes) may be provided free of charge. Subsequent cards provided prior to the expiration date of the current card are subject to a fee of $6 per card.

Each member is responsible to safeguard their PIN number. PIN numbers should not be carried anywhere in the wallet or purse or written on the card. Latah Federal Credit Union may not be liable for fraud resulting from negligent or careless PIN protection.

Members must report lost or stolen cards immediately by calling 1-800-554-8969.

A $15 fee will be imposed if, at the discretion of the Credit Union's management, the Credit Union must request retention of a card by an ATM.

Refer to the Electronic Funds Transfer Policy for further information on the Cash and Check Card.