ATM/Debit Card Application

Scroll to the bottom of the page to agree to the following terms and conditions.


By using my Credit Union VISA Check Card®, I agree to be bound by the applicable terms and conditions contained in the Agreements governing my Share Account, Checking Account and any overdraft-protection agreement that I have with the Credit Union.

Also, I/We understand that the VISA Check Card® is not a credit card and that the dollar amount of purchases made with this card will be deducted from my Checking Account only. If necessary, to establish a line of credit for card access, and in accordance with Section 326 of the USA Patriot Act, you authorize us to verify and record information that identifies each person who opens an account.

You further authorize us to check your account, credit, and employment history, and obtain a credit report from third parties, including credit reporting agencies, to verify your eligibility for any account or services you request.

If I/We are not approved for a VISA Check Card®, I/We may still be issued a Credit Union ATM card if I/We do not already have one. By submitting your Online Application, I/We acknowledge receipt and agreement to the terms and conditions of the Initial Disclosure of Electronic Funds Transfer (with VISA Check Card® and ATM Disclosures and Cardholder Agreement) provided with approval of this application. Sec. 1014, Title 13, U.S. Code, makes it a Federal Crime to knowingly make a false statement on this application. The credit union may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located.

Cardholder Contract

This is your contract. Please read it and keep it for your records because when you submit your card application form, you’ve agreed to its terms. We agree to follow them, too. The Visa Check Card(s) (herein called ‘card’) is issued by or on behalf of the Credit Union to the Member(s) for use with such account(s) (each referred to as an ‘Account’) as described in the member request form upon and subject to the following terms and conditions. 1.) If Member’s Account(s) is a joint account, Member hereby specifically authorizes any joint account holder to use the Card. 2.) The Card is property of the Credit Union, which may revoke, limit, or suspend its use, or issue a new one at any time without prior notice. The Member will stop using the Card and return it to the Credit Union immediately upon request. The Card may be automatically impounded at a terminal at any time. 3.) Member is responsible for the use of the Card. Member will not authorize or permit any person, except an authorized joint account holder on the account to which the cardholder is also joint. Member will not disclose his Personal Identification Number (‘PIN’) to any person other than a joint account holder, and he agrees to keep the Card and PIN separated and to take other reasonable steps to assure that in the event the Card is lost or stolen, the finder or thief will not also obtain the Personal Identification Number. (Herein referred to as PIN) 4.) Member authorizes the Credit Union to charge his Account as indicated when the Card is used by Member or any other person, except as otherwise provided in this Agreement. If any Account is owned jointly with another person, this Agreement is fully binding on all account holders, and all authorizations and obligations contained herein shall be joint and several, notwithstanding the terms and conditions of any other agreement with the Credit Union. 5.) Member will not overdraft his Account unless he has a pre-existing overdraft agreement with the Credit Union; and if he does have such an agreement, Member will not withdraw more than the funds remaining in his overdraft line of credit. Member will immediately pay any unauthorized overdraft without prior notice or demand. 6.) The Member’s card(s) may be used to access a line of credit product with the Credit Union. The member is obligated for all credit advances obtained by the use of the Visa Check Card(s) in accordance with the line of credit agreement; even if such advance(s) is made by the joint account holder named in this agreement, and even if such person is not a party to the line of credit agreement. 7.) Card transactions are governed by this Agreement and the terms that apply to any account affected by such transactions, such as agreements, charter, bylaws, rules and regulations as well as any applicable laws. Any banking business transacted by the use of the Card is not consummated until the Credit Union has verified and processed the transaction on its records according to its usual banking practices, regardless of any receipt produced at the time of the transaction. 8.) The Credit Union makes no claims or warranties with respect to the equipment or the system, and the Credit Union shall not be liable for any failure or malfunction or the equipment of system, except as specifically provided by law. Member will examine his periodic statements from the Credit Union immediately if he believes the Card has been lost or stolen or that someone may have discovered his PIN. Member liability for unauthorized transactions is limited as provided by law. The rules for unauthorized transfers and error resolution are contained in the disclosure statements that will be provided to you. 9.) The Credit Union has the right to limit the frequency or amounts of withdrawals or to institute fees for Cards or transactions or to change its policies regarding these matters at any time without amending this Agreement, and Credit Union may charge Member’s Account for such fees. Current limits and fees, if any, are contained in the disclosure statements that will be provided to you. Credit Union also has the right to establish other terms and conditions set forth herein or so established by mailing advance written notice thereof to Member at the address shown on the records of the Credit Union. 10.) Whenever used herein, the masculine pronoun shall refer with like effect to the feminine, and, if any Account is a joint account, the singular person, whenever used herein in relation to Member, shall be read as plural. 11.) Member may cancel this Agreement at any time by notifying the Credit Union in writing and returning the Card cut in half. In that event, all rights and obligations for transactions that occurred before the Credit Union receives notice of cancellation shall be determined by this Agreement.

Rev 3/15
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    • PGE Credit Union Providence Rhode Island Providence, RI
      179 West River Street
      Providence, RI 02904


PGE Federal Credit Union