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Tri City National Bank Gift Card Agreement
In these Terms and Conditions, the Tri City National Bank Visa Gift Card issued by Tri City National Bank is the “Card”. “You” and “Your” means the person who has received the “Card”. “We”, “Us”, and “Our” means Tri City National Bank. Business days are Monday through Friday (except holidays). 1. Available Transactions Prepaid Card – No FDIC Insurance The Card is a prepaid card access device that can be used at retail establishments which have agreed to accept Visa branded debit cards. The value of all Cards is held in an aggregate account that is not protected by FDIC insurance. Card Access You may use your Card to pay for purchases at retail establishments which have agreed to accept Visa branded debit cards, and are equipped with a point-of-sale terminal that can process such transactions. You may use the Card to access cash at financial institution offices that accept Visa branded debit cards for cash advance transactions. You may withdraw a maximum of $500 in cash in any one-day period. We may charge you a fee for each transaction which, in general, will be deducted from the balance on your Card. Other financial institutions at which you make a transaction using the Card may charge additional fee(s). You may be asked to provide an acceptable form of identification in order to make a purchase or conduct a transaction using the Card. If you permit someone else to use your Card, we will treat this as if you have authorized that person to use your Card, and you will be responsible for any transactions initiated by such person with your Card. Upon any cash advance or purchase via a poin-of-sale device, mail order, telephone order or other transaction, the amount available on the Card will be reduced by the amount of such advance or purchase and any applicable fees. The use of your Card for any Internet gambling transaction or for activities that appear to violate the law will not be authorized. Point-Of-Sale Transactions The use of your Card to purchase goods and services from merchants constitutes a demand against and withdrawal from the remaining value on your Card. You may use your Card only in the manner and for the purposes authorized by these Terms and Conditions. You should receive a receipt for each point-of-sale transaction completed with your Card which you should retain for your records. You do not have the right to stop payment on any point-of-sale transaction originated by the use of your Card. You are responsible for all transactions initiated by the use of your Card. Foreign Transactions If you make an international transaction using your Card, Visa (i) will convert any foreign currency transaction into U.S. dollars using an exchange rate for the applicable central processing date that is (a) selected by Visa from the range of rates available in wholesale currency markets (which rate may vary from the rate Visa receives) or (b) the government mandated rate; and (it) may asses an International Service Assessment Fee of 1% on all international transactions (excluding those from Puerto Rico and the U.S. Virgin Islands) if the transaction involves a currency conversion, we may pass this fee onto you. 2. Information about your Card and Related Fees Except as otherwise required by applicable law, your Card will expire after the last day of the month shown on the front of the Card. You agree that any balance remaining on the Card when it expires may become property of the Bank. If you live in a state where it is prohibited, you may request a check for the remaining balance, minus a check-issuance fee, by calling (414) 874-2489. You will need to provide us with your Card number to cancel your Card and to receive a check. The fees that will apply to this Card are printed on this insert. 3. Lost or Stolen Card Tell us AT ONCE if you believe your Card has been lost or stolen. Call us at 1-800-830-3166. Our P.O. Box is 44017, West Allis, WI 53214. A replacement card can be issued, minus a fee. You will need to provide us with your Card number to cancel your Card and to receive a replacement Card. 4. Disclosure of Information to Third Parties We will disclose information to third parties about your Card or transactions that you conduct using your Card:
5. Error Resolution Procedures You may contact us regarding errors or questions about transactions arising from the use of your Card. Call us at 1-414-874-2489 or write to us at P.O. Box 44017, West Allis, WI 53214 as soon as possible if you think your receipt is wrong, or if you need more information about a transaction listed on the receipt. Customer service representatives are available Monday through Friday 8:30 am to 6:00 pm and on Saturdays 8:30 am to 2:00 pm. We must hear from you no later than sixty days after the date of the transaction in question, and you must provide the following information:
Error Resolution Procedures: If you contact us by telephone, we may require that you send your complaint or questions to us in writing within 5 business days after we hear from you, and we will promptly investigate. However, if we need more time, we may take up to ninety calendar days to investigate your complaint or question. If we ask you to put your complaint or question in writing and we do not receive it within five business days, we may not re-credit your Card. We will tell you the results within three business days after completing our investigation.
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