M&J MasterMoney ATM Card

Fill out an Application Today!

Provides All The Advantages of An ATM Card. Need to check your account balance, withdraw or transfer funds? No problem. M&J MasterMoney ATM Card gives you access to these services whenever you need them.

Apply for your today! To apply, print and fill out an application and mail or deliver it to the address shown on the application. Once approved your M&J MasterMoney ATM Card should arrive within 14 days of your approval. For your protection, your PIN will be sent to you in a separate mailing.

Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account. Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed. You should print or bookmark this notice for future reference.

ATM Transfers - types of transfers and dollar limitations - You may access your account(s) by ATM using your M&J MasterMoney ATM Card and personal identification number to:

• get cash withdrawals from checking or savings account(s) with a debit card - you may withdraw no more than $300.00 cash per day per account.
• transfer funds from savings to checking account(s)
• transfer funds from checking to savings account(s)
• get information about the account balance of your checking account, the account balance of your savings accounts

You will be assessed a $1.50 fee per ATM transaction. You may also be assessed a surcharge or user fee by the ATM owner. Some of these services may not be available at all terminals. There is NO CHARGE at the Sabetha Country Mart location.

Fees

• We will charge you $5.00 for a replacement ATM card personal identification number.
• We will charge you $5.00 to replace a lost ATM card.
• Maintenance Fee is $10.00 annually AFTER one year.

Documentation

• Terminal transfers. You can get a receipt at the time you make any transfer to or from you account using one of our automated teller machines.
• Periodic Statements. You will get a monthly account statement from us for your checking and savings accounts with card activity. You will get a quarterly account statement from us for your savings account(s) that do not have card activity.

Financial Institution's Liability - 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 will be liable for you losses or damages. However, there are some exceptions. We will not be liable, for instance:

1. if, through no fault of ours, you do not have enough money in your account to make the transfer.
2. If you have an overdraft line and the transfer would go over the credit limit
3. If the automated teller machine where you are making the transfer does not have enough cash.
4. If the terminal or system was not working properly and you knew about the breakdown  when you started the transfer.
5. If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
6. There may be other exceptions stated in our agreement with you.

Confidentiality - We will disclose information to third parties about your account or the transfers you make:

1. where it is necessary for completing transfers; or
2. in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or
3. in order to comply with government agency or court orders; or
4. if you give us written permission

Unauthorized Transfers

(a) Consumer liability. 1) Generally. Tell us AT ONCE if you believe your card and/or code has been lost or stolen. Telephoning is the best way of keeping potential losses down. You could lose all of the money in your account (plus your maximum overdraft line of credit). If you tell us within 4 business days, you can lose no more than $50 if someone used your card without your permission. (If you believe your card and/or code has been lost or stolen, and you tell us within 4 business days after you learn of the loss or theft, you can lose no more than $50 if someone used your card and/or code without permission.) If you do NOT tell us within 4 business days after you learn of the loss or theft of your card and/or code, and we can prove we could have stopped someone from using your card and/or code without your permission if you had told us, you could lose as much as $300. Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

2) Additional Limits on Liability for MasterMoney Debit Card when used for point-of-sale transactions. You will not be liable for any unauthorized transactions using your M&J MasterMoney Debit Card, when used for point-of-sale transactions using your M&J MaterMoney Debit Card, when used for point-of-sale transactions, if: (i)  you can demonstrate that you have exercised reasonable care in safeguarding your card from the risk of  loss or theft, (ii) you have not reported  to us two or more incidents of unauthorized use within the prior twelve-month  period, and (iii) your account is in good standing. If any of these conditions are not met, your liability is the lesser of $50 or the amount of money, property, labor, or service obtained by the unauthorized use before notification to us. "Unauthorized use" means the use of your debt card by a person, other than you, who does not have actual, implied, or apparent authority for such use, and from which you receive no benefit.

b) Contact us in the event of unauthorized transfer. If you believe your card and/or code has been lost or stolen or that someone has transferred or may transfer money fro your account without your permission, call or write us at your branch location.

Error Resolution Notice

In Case of Errors or Questions About Your Electronic Transfers, Call or Write us at your branch location as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

1. Tell us your name and account number (if any).
2. Describe the error or the transfer you ware unsure about, and explain as clearly as you can why you believe it is any error or why you need more information.
3. 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 10 business days. We will determine whether an error occurred within 10 business days (20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or questions. If we decide to do this, we will credit your account within 10 business days (20 business days if the transfer involved a new account) the 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 10 business days, we may not credit your account. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened.

We will tell you the results within three business days after 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.

USA Patriot Act - Important Information About Opening A New Account