MSUFCU Routing Number: 272479663
MSUFCU SWIFT Code: MSUCUS44

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MSU Federal Credit Union | Disclosures | Visa

Visa Credit & Debit Card Disclosures

MSU Federal Credit Union Visa Debit Card Agreement

Undersigned has a Michigan State University Federal Credit Union (MSUFCU) checking (draft) account. MSUFCU issues Visa Debit Cards (herein called "Cards") which can be used to make payments and purchases and to get cash advances in much the same way as a Visa Credit Card is used. Undersigned hereby request(s) MSUFCU to issue Card(s) to undersigned. Undersigned agree(s) to the following terms and conditions.

 


When "I," "me," "my," or "mine" is used herein, it means the same as "we," "us," "our," or "ours" if this agreement is signed by two or more persons.
 

  1. The checking account mentioned above is governed by an account agreement I have signed. As to "electronic fund transfers" affecting the account, it is further governed by a disclosure of terms and conditions related to such transfers given to me by MSUFCU. This agreement sets out further terms and conditions for that account with respect to use of the Card(s).
     

  2. The Card(s) will be produced with name(s) as I direct. I agree that the person whose name is printed on a Card will immediately sign the Card (in the space provided on the back) and the signature will be in the same form as printed on the Card. I will not permit any other person to use the Card(s). If I do allow any other person to use the Card(s), I will be responsible for all use of the Card(s) by the other person until I get the Card(s) back, whether or not I have authorized that use or have previously notified MSUFCU that I will not be responsible for such use.
     

  3. MSUFCU can cancel this agreement at any time and cancel my privilege to use the Card(s). The Card(s) are the property of MSUFCU and I will return them upon its request.
     

  4. My use of the Card(s) to make payments, to purchase merchandise or services from, or obtain cash advances from any person or firm which honors such Card(s) is my authorization to MSUFCU to withdraw sufficient funds from my checking account to pay Visa sales drafts or cash advance drafts which I sign when using the Card(s). MSUFCU will not honor requests to stop payment on a sales draft I sign when using the Card(s). If funds in my checking account are not sufficient to pay all items presented for payment, MSUFCU may pay Card drafts I have signed and my other Card transactions first. Transactions made by use of the Card(s) shall be paid from the checking account if funds are available; otherwise, they will be paid from my other accounts in MSUFCU or from my line-of-credit loan or Visa Credit Card, as I have previously authorized. If I elect to be notified of an overdraft transfer by a mailed paper notice, I agree to pay a $5 fee whenever it is necessary to transfer funds from either my share, savings, or loan account(s) to pay a sales draft or cash advance. If I do not require a mailed paper notice at the time the overdraft occurs, or I elect to receive the notification electronically at the primary email address on file, the transfer will be listed on my monthly statement and no fee will be charged. If MSUFCU pays any Card transaction when no funds from any of these sources are available, I agree to repay such amounts to MSUFCU immediately and to pay a processing fee (for each non-sufficient fund item) to be set by MSUFCU and subject to change.


    If I continue to use the Card(s) when funds are not available, my checking account may be closed and I will promptly surrender my Card(s) to MSUFCU. I further understand that even after my account is closed, I will still be charged a processing fee per item as long as items are presented for payment when funds are not available.


    I will not make or permit to be made any illegal transactions on my account through use of a Card(s), a check, or in any other manner. MSUFCU may deny authorization for any internet gambling transaction.
     

  5. MSUFCU has no liability to me if a person or firm to whom I present the Card(s) refuses to honor the Card(s) or retains the Card(s), even if at such time there were sufficient funds in my account to cover the amount of the transaction I wanted to make.
     

  6. Merchants and others who honor the Card(s) may give credits for returns or adjustments. Once notified by the merchant, MSUFCU will credit the amount thereof to my checking account.
     

  7. International Transactions—When I use my Visa Debit Card(s) for international transactions, a fee will be assessed. I agree to pay a 1.00% International Transaction Fee for ATM and Point-Of-Sale (i.e., PIN-based) transactions and a 3.00% International Transaction Fee for all other international transactions and cash advances. The fee will be assessed on international transactions if a currency conversion does take place or if the transaction is processed in U.S. dollars.


    When I use my Visa Debit Card(s) at a merchant that settles in, or at an ATM that dispenses, currency other than U.S. dollars, the charge will be converted into the U.S. dollar amount. The currency conversion rate used to determine the transaction amount in U.S. dollars is either a wholesale market rate or the government mandated rate in effect the day before the processing date. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date. The International Transaction Fee will be calculated after the transaction has been converted to U.S. dollars.
     

  8. The periodic statement for my checking account will reflect Card transactions I make, but sales or cash advance drafts for those transactions cannot be returned with the statement. I will retain the copies of such drafts that were furnished at the time of the transaction and use them to verify the accuracy of the statement. Photocopies of such drafts will be furnished on request at a reasonable charge if such request is made within 120 days of the date the transaction posted to my checking account.
     

  9. If I learn or believe that the Card(s) has been lost or stolen or has been used or may be used by some other person without my permission, I will immediately phone MSUFCU at 517-333-2424 or 800-678-4968.


    When MSUFCU is closed, I will call 888-393-1172 or write MSUFCU at:

    Michigan State University Federal Credit Union
    Attention: Visa Department
    PO Box 1067
    East Lansing, MI 48826-1067
     

  10. Special Unauthorized Use Liability Rule for Visa Debit Card—Unless I have been grossly negligent or have engaged in fraud, I will not be liable for any unauthorized transactions posted to my lost or stolen Visa Debit Card. This additional limit on liability does not apply to ATM transactions.

     

  11. Even though the sales or cash advance drafts that I may sign when using the Card(s) may contain different terms, the terms of my existing agreements with MSUFCU relating to my checking account, as expanded by this agreement, govern all Card transactions I make.
     

  12. MSUFCU may amend this agreement from time to time by giving me advance written notice thereof sent first class mail to the address shown on the most recent statement for my checking account, or to the primary email address on file if electronic account notices have been selected, which notice shall be effective when mailed. The notice will advise me of the extent, if any, to which such amendment will apply to my then existing obligations to MSUFCU.
     

  13. In the event any use of my Card(s) constitutes an "electronic fund transfer," the terms and conditions of the disclosure relating to such transfers furnished to me by MSUFCU will govern as to such transaction, regardless of this agreement. My use of the Card(s) in such manner is my authorization to MSUFCU to withdraw sufficient funds from my checking account to cover such transactions, even though no signed sales draft or cash advance draft is presented to MSUFCU for the transaction.
     

  14. By activating and using the Card(s), I agree to be bound by the terms and conditions of this agreement.

 

Rev. 02/14



 Privacy Policy
REV. 07/14

 

FACTS

WHAT DOES MICHIGAN STATE UNIVERSITY FEDERAL CREDIT UNION DO WITH YOUR PERSONAL INFORMATION?

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some, but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the products or service you have with us. This information can include:

  • Social Security Number and income
  • account balances and payment history
  • credit history and credit scores

How?

All financial companies need to share members' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members' personal information; the reasons Michigan State University Federal Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does MSUFCU share?
Can you limit this sharing?

For our everyday business purposes-
such as to process your transaction, maintain your accounts(s), respond to court orders and legal investigations, or report to credit bureaus

YES
NO

For our marketing purposes-
to offer our products and services to you

YES
YES

For joint marketing with other financial companies

YES
YES

For our affiliates' everyday business purposes-
information about your transactions and experiences

NO
We don't share

For our affiliates' everyday business purposes-
information about your creditworthiness

NO
We don't share

For nonaffiliates to market to you

NO
We don't share

To limit our sharing

  • Call 517-333-2424 or 800-678-4968 - a member service representative will assist you in your opt-out preference.
  • Visit us online: www.msufcu.org, log into your account via ComputerLine, select the “Messages” option at the top of your screen and leave a secure message.

    Please note:
    If you are a new member, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our member, we continue to share your information as described in this notice.


    However, you can contact us at anytime to limit our sharing.

Questions?

Call 517-333-2424 or 800-678-4968 or go to www.msufcu.org

Who we are

Who is providing this notice?

Michigan State University Federal Credit Union

What we do

How does Michigan State University Federal Credit Union protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does Michigan State University Federal Credit Union collect my personal information?

We collect your personal information, for example, when you

  • open an account or deposit money
  • pay your bills or apply for a loan
  • use your credit or debit card

    We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can't I limit all sharing?

Federal law gives you the right to limit only

  • sharing for affiliates' everyday business purposes- information about your credit worthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your account.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • MSUFCU has no affiliates.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • MSUFCU does not share with nonaffiliates so they can market to you.

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Our joint marketing partners include insurance companies.


Online Privacy

Our privacy policy is the same whether you are online or not. At our website, www.msufcu.org, you may apply for membership, accounts, loans and services. You may also communicate with us via the secure Contact Us form. To protect information you provide us online, we use multiple levels of security. All applications, forms and ComputerLine transactions are submitted to us securely using the industry standard "Secure Socket Layer" (SSL) encryption to secure your submission. MSUFCU uses 128-bit encryption and we use firewalls to secure your information. A firewall is a security measure that insulates the credit union's computer network from the World Wide Web. We analyze the traffic coming in and out of the firewall, which could indicate intrusion activity and computer viruses. MSUFCU contracts with a third-party technology specialist to try to penetrate our network and evaluate the security of our online applications and ComputerLine. MSUFCU has successfully passed each evaluation and is annually certified as a secure site. To read more about online security requirements click here.


Links to Other Web Sites

Links from our website are provided for your convenience only. These linked sites are separate from our credit union's web site. We are not responsible for the content or availability of any linked third party websites or the privacy practices of such third parties. In addition, a link from our website to another does not indicate that MSU Federal Credit Union endorses the services or policies of such third party websites. You should always investigate the information practices of all websites that you access and carefully examine the privacy policies of any websites linking to or from our website. Information collected from the linked websites will be subject to the information practices of those websites.

 

Our Use of Cookies

If you conduct transactions with MSUFCU via ComputerLine, you may notice our use of Internet cookies. Cookies are a small text file assigned and attached by a web server to the directory file on your computer. Cookies enable our systems to recognize your browser and your information as you navigate and conduct transactions within ComputerLine. If we did not use cookies within ComputerLine, you would need to enter your account number and password each time you wanted to see another page or each transaction you initiate. ComputerLine uses temporary session cookies that are stored on your Computer only during your current session and are automatically deleted from your computer when you close your browser. No information is collected from your computer.


Children's Online Privacy Protection Act (COPPA)

MSUFCU does not knowingly collect, nor is our web site designed or directed to use personal information from children under the age of 13 without containing verifiable consent from their parents. We do offer three children's programs on our web site: Sweet Pea for children ages 0-4, Dollar Dog Kids Club for children ages 5-12, and the Cha-ching program for teens age 13-17. Unless applying for MSUFCU membership, no information is collected from children to participate in the online activities and information found in these areas of our website.


Sweet Pea: Contains an online membership application that is designed to be submitted by a parent or guardian. In this membership application we ask information about the child for the purpose of establishing a Sweet Pea account for membership. Information directly collected from the submitted application includes the child's name, social security number, birth date and address. Before the application can be submitted, the parent/guardian has to agree to consent to submit this information solely for the purpose of establishing a Sweet Pea account at MSUFCU. Parents/guardians have the ability to review the personal information collected prior to submitting the application. The child's name, age, and address information will also be used to send via U.S. Postal Mail a yearly Sweet Pea account birthday card. At any time a parent/guardian may contact MSUFCU and ask that the submitted information no longer be used to contact the child. MSUFCU staff  will have access to the information collected. You may reach the credit union at 517-333-2424 or toll-free 800-678-4968 or by sending a secure message using the Contact Us form. In accordance with MSUFCU's privacy policy, at NO TIME is the child's information provided to a third party.


Dollar Dog: Contains an online membership application that is designed to be submitted by a parent or guardian. In this membership application we ask information about the child for the purpose of establishing a Dollar Dog account for membership. Information directly collected from the submitted application includes the child's name, social security number, birth date and address. Before the application can be submitted, the parent/guardian has to agree to consent to submit this information solely for the purpose of establishing a Dollar Dog account at MSUFCU. Parents/guardians have the ability to review the personal information collected prior to submitting the application. The child's name, age, and address information will also be used to send via U.S. Postal Mail a quarterly newsletter. At any time a parent/guardian may contact MSUFCU and ask that the submitted information no longer be used to contact the child. MSUFCU staff will have access to the information collected. You may reach the credit union at 517-333-2424 or toll-free 800-678-4968 or by sending a secure message using the Contact Us form. In accordance with MSUFCU's privacy policy, at NO TIME is the child's information provided to a third party.


Cha-ching: This section of our web site is designed for teens ages 13-17. A Cha-ching membership application is available to submit online to establish an MSUFCU Cha-ching membership account. Information directly collected from the submitted application includes the child's name, social security number, birth date and address. The child's name, age, and address information will also be used to send via U.S. Postal Mail a quarterly newsletter. At any time a parent/guardian may contact MSUFCU and ask that the submitted information no longer be used to contact the child. MSUFCU staff will have access to the information collected. You may reach the credit union at 517-333-2424 or toll-free 800-678-4968 or by sending a secure message using the Contact Us form. In accordance with MSUFCU's privacy policy, at NO TIME is the child's information provided to a third party.