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ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE

This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic fund transfers (EFT) services offered to you by NextMark Federal Credit Union (“NextMark Credit Union” or “Credit Union”). In this Agreement, the words “you,” “your,” and “yours” mean those who sign the application or account card as applicants, joint owners, or any authorized users. The words “we,” “us,” and “our” mean the Credit Union. The word “account” means any one (1) or more share and share draft accounts you have with the Credit Union. Electronic fund transfers are electronically initiated transfers of money from your account through the EFT services described below. By signing an application or account card for EFT services, signing your Card, or using any service, each of you, jointly and severally, agree to the terms and conditions in this Agreement and any amendments for the EFT services offered. Furthermore, electronic fund transfers that meet the definition of remittance transfers are governed by 12 C.F.R. part 1005, subpart B—Requirements for remittance transfers, and consequently, terms of this agreement may vary for those types of transactions. A “remittance transfer” is an electronic transfer of funds of more than $15.00 which is requested by a sender and sent to a designated recipient in a foreign country by a remittance transfer provider. Terms applicable to such transactions may vary from those disclosed herein and will be disclosed to you at the time such services are requested and rendered in accordance with applicable law.

1. EFT SERVICES — If approved, you may conduct any one (1) or more of the EFT services offered by the Credit Union.

a. VISA Check Card. You must activate your Card before you will be permitted to complete any transactions. By activating your Card, you agree to the terms and conditions in this agreement and any amendments for the EFT services offered. You may use your VISA® Card to purchase goods and services from participating merchants. However, you may not use your Card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide Card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your Card purchases will be deducted from your share draft account. For ATM and one-time debit Card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges.

For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your Card and personal identification number (PIN) in automated teller machines of the Credit Union, STAR, CU24, Cirrus®, and the Exchange networks, and such other machines or facilities as the Credit Union may designate.

At the present time, you may also use your Card to:

– Make deposits to your share and share draft accounts.

– Withdraw funds from your share and share draft accounts.

– Transfer funds from your share and share draft accounts.

– Obtain balance information for your share and share draft accounts.

– Make point-of-sale (POS) transactions with your Card and personal identification number (PIN) to purchase goods or services at merchants that accept VISA.

– Order goods or services by mail or telephone from places that accept VISA.

The following limitations on VISA Check Card transactions may apply:

– You may make 30 VISA Check Card purchases per day.

– Purchase amounts are limited to the amount in your account.

– You may purchase up to a maximum of $2,500.00 per day.

– You may make ten (10) cash withdrawals in any one (1) day from an ATM machine.

– You may withdraw up to a maximum of $505.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account.

– For security purposes, there are other limits on the frequency and amount of transfers available at ATMs.

– You may transfer up to the available balance in your accounts at the time of the transfer.

– See Section 2 for transfer limitations that may apply to these transactions.

Card Information Updates and Authorizations. If you have authorized a merchant to bill charges to your Card on a recurring basis, it is your responsibility to notify the merchant in the event your Card is replaced, your Card information (such as Card number and expiration date) changes, or the account associated with your Card is closed. However, if your Card is replaced or Card information changes, you authorize us, without obligation on our part, to provide the updated Card information to the merchant in order to permit the merchant to bill recurring charges to the Card. You authorize us to apply such recurring charges to the Card until you notify us that you have revoked authorization for the charges to your Card.

Your Card is automatically enrolled in an information updating service. Through this service, your updated Card information (such as Card number and expiration date) may be shared with participating merchants to facilitate continued recurring charges. Updates are not guaranteed before your next payment to a merchant is due. You are responsible for making direct payment until recurring charges resume. To revoke your authorization allowing us to provide updated Card information to a merchant, please contact us.

b. Audio Teller (Audio Response). If we approve Audio Teller (Audio Response) for your accounts, a separate personal identification number (PIN) will be assigned to you. You must use your personal identification number (PIN) along with your account number to access your accounts. At the present time, you may use Audio Teller (Audio Response) to:

– Withdraw funds from your share, share draft, money market, and club accounts.

– Transfer funds among your share, share draft and money market, club, and loan accounts.
– Transfer funds from your share, share draft, money market, club, and loan accounts to another Credit Union members account.

– Obtain balance information for all your accounts.

– Determine if a particular item has cleared.

– Obtain tax information on amounts earned on share and share draft accounts or interest paid on loan accounts.

– Verify the last date and amount of your payroll deposit.

Your accounts can be accessed under Audio Teller (Audio Response) via a touch-tone telephone only. Audio Teller (Audio Response) service will be available for your convenience 24 hours per day. This service may be interrupted for a short time each day for data processing.

The following limitations on Audio Teller (Audio Response) transactions may apply:

– There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one (1) day.

– No transfer or withdrawal may exceed the available funds in your account.

– See Section 2 for transfer limitations that may apply to these transactions.

The Credit Union reserves the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. All checks are payable to you as a primary member and will be mailed to your address of record. The Credit Union may set other limits on the amount of any transaction, and you will be notified of those limits. The Credit Union may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction and there may be limits on the duration of each telephone call.

c. Preauthorized EFTs.

– Direct Deposit. Upon instruction of (i) your employer, (ii) the Treasury Department or (iii) other financial institutions, the Credit Union will accept direct deposits of your paycheck or federal recurring payments, such as Social Security, to your share and/or share draft account.

– Preauthorized Debits. Upon instruction, we will pay certain recurring transactions from your share and share draft account.

– See Section 2 for transfer limitations that may apply to these transactions.

– Stop Payment Rights. If you have arranged in advance to make electronic fund transfers out of your account(s) for money you owe others, you may stop payment on preauthorized transfers from your account. You must notify us orally or in writing at any time up to three (3) business days before the scheduled date of the transfer. We may require written confirmation of the stop payment order to be made within 14 days of any oral notification. If we do not receive the written request may apply to a single transfer, multiple transfers, or all future transfers as directed by you, and will remain in effect unless you withdraw your request or all transfers subject to the request have been returned.

– Notice of Varying Amounts. If these regular payments may vary in amount, the person you are going to pay is required to tell you, ten (10) days before each payment, when it will be made and how much it will be. You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment or when the amount would fall outside certain limits that you set.

– Liability for Failure to Stop Payment of Preauthorized Transfers. If you order us to stop payment of a preauthorized transfer three (3) business days or more before the transfer is scheduled and we do not do so, we will be liable for your losses or damages.

d. Electronic Check Conversion/Electronic Returned Check Fees. If you pay for purchases or bills with a check or share draft, you may authorize your check or share draft to be converted to an electronic fund transfer. You may also authorize merchants or other payees to electronically debit your account for returned check fees. You are considered to have authorized these electronic fund transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization.

e. On Line Teller. If we approve the On Line Teller electronic/PC access service for your accounts, a separate temporary Password will be assigned to you. You must change your password through the On Line Teller Service once you receive it. To assure maximum security, the password should be a unique code that is never written down or shared with anyone. You must use your Password along with your account number or User ID to access your accounts. At the present time, you may use the On Line Teller access service to:

– Withdraw funds from your share, share draft, money market, and club accounts.

– Transfer funds among your share, share draft and money market, club, and loan accounts.

– Transfer funds from your share, share draft, money market, club, and loan accounts to another Credit Union members account.

– Obtain balance information for your share, share draft, and money market accounts.

– Make bill payments to preauthorized creditors.

– Obtain history information for all your accounts.

– Apply for a loan.

– View monthly statements, if signed up.

Your accounts can be accessed under the On Line Teller via personal computer. On Line Teller will be available for your convenience 24 hours per day. This service may be interrupted for a short time each day for data processing. We reserve the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. All checks are payable to you as a primary member and will be mailed to your address of record. We may set other limits on the amount of any transaction, and you will be notified of those limits. We may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction and there may be limits on the duration of each access.

The following limitations on On Line Teller transactions may apply:

– There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one (1) day.

– The maximum withdrawal or transfer amount is $2,500.00 per transaction, and no transfer or withdrawal may exceed the available funds in your account.

– See Section 2 for transfer limitations that may apply to these transactions.

f. Bill Pay. If you enroll in Bill Pay you acknowledge receipt of and agree to be bound by the Terms and Conditions of the bill payment service offered by Bill Pay through the Credit Union in addition to this Electronic Funds Transfer Agreement. We will process bill payment transfer requests only to those creditors the Credit Union has designated in the User Instructions and such creditors as you authorize and for whom the Credit Union has the proper vendor code number. We will not process any bill payment transfer if the required transaction information is incomplete.

We will withdraw the designated funds from your share draft account for bill payment transfer by the designated cutoff time on the date you schedule for payment. We will process your bill payment transfer within a designated number of days before the date you are scheduled for payment. You must allow sufficient time for vendors to process your payment after they receive a transfer from us. Please leave as much time as though you were sending your payment by mail. We cannot guarantee the time that any payment will be credited to your account by the vendor.

The following limitations on Bill Pay transactions may apply:

– There is no limit on the number of bill payments per day.

2. TRANSFER LIMITATIONS — For all share accounts, you may make no more than six (6) transfers and withdrawals from your account to another account of yours or to a third party in any month by means of a preauthorized, automatic, or limitations, your account may be subject to a fee or be closed.

3. CONDITIONS OF EFT SERVICES —

a. Ownership of Cards. Any Card or other device which we supply to you is our property and must be returned to us, or to any person whom we authorize to act as our agent, or to any person who is authorized to honor the Card, immediately according to instructions. The Card may be repossessed at any time at our sole discretion without demand or notice. You cannot transfer your Card or account to another person.

b. Honoring the Card. Neither we nor merchants authorized to honor the Card will be responsible for the failure or refusal to honor the Card or any other device we supply to you. If a merchant agrees to give you a refund or adjustment, you agree to accept a credit to your account in lieu of a cash refund.

c. Foreign Transactions.

VISA. Purchases and cash withdrawals made in foreign currencies will be debited from your account in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing international transactions is a rate selected by VISA from a range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate VISA itself receives or the government-mandated rate in effect for the applicable central processing date. The exchange rate used on the processing date may differ from the rate that would have been used on the purchase date or cardholder statement posting date.

A fee of 1.00% of the amount of the transaction, calculated in U.S. dollars, will be imposed on all foreign transactions, including purchases, cash withdrawals and credits to your account. A foreign transaction is any transaction that you complete or a merchant completes on your Card outside of the United States, with the exception of U.S. military bases, U.S. territories, U.S. embassies or U.S. consulates.

d. Security of Access Code. You may use one (1) or more access codes with your electronic fund transfers. The access codes issued to you are for your security purposes. Any access codes issued to you are confidential and should not be disclosed to third parties or recorded on or with the Card. You are responsible for safekeeping your access codes. You agree not to disclose or otherwise make your access codes available to anyone not authorized to sign on your accounts. If you authorize anyone to use your access codes, that authority shall continue until you specifically revoke such authority by notifying the Credit Union. You understand that any joint owner you authorize to use an access code may withdraw or transfer funds from any of your accounts. If you fail to maintain the security of these access codes and the Credit Union suffers a loss, we may terminate your EFT services immediately.

e. Joint Accounts. If any of your accounts accessed under this Agreement are joint accounts, all joint owners, including any authorized users, shall be bound by this Agreement and, alone and together, shall be responsible for all EFT transactions to or from any share and share draft or loan accounts as provided in this Agreement. Each joint account owner, without the consent of any other account owner, may, and hereby is authorized by every other joint account owner to, make any transaction permitted under this Agreement. Each joint account owner is authorized to act for the other account owners, and the Credit Union may accept orders and instructions regarding any EFT transaction on any account from any joint account owner.

4. FEES AND CHARGES — There are certain fees and charges for electronic fund transfers services. For a current listing of all applicable fees, see our current Fee Schedule that was provided to you at the time you applied for or requested these electronic services. From time to time, the charges may be changed. We will notify you as required by applicable law.

If you use an ATM not operated by us, you may be charged a fee by the ATM operator and by any international, national, regional, or local network used in processing the transaction (and you may be charged a fee for a balance inquiry even if you do not complete a funds transfer). The ATM surcharge will be debited from your account if you elect to complete the transaction or continue with the balance inquiry.

5. MEMBER LIABILITY — You are responsible for all EFT transactions you authorize. If you permit someone else to use an EFT service, your Card or your access code, you are responsible for any transactions they authorize or conduct on any of your accounts.

TELL US AT ONCE if you believe your Card or access code has been lost or stolen, if you believe someone has used your Card or access code or otherwise accessed your accounts without your authority, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line-of-credit). If a transaction was made with your Card or Card number without your permission and was a VISA transaction, you will have no liability for the transaction, unless you were fraudulent or negligent in the handling of your account or Card.

For all other EFT transactions involving your Card or access code, including if you were negligent in the handling of your account or Card, your liability for an unauthorized transaction is determined as follows. If you tell us within two (2) business days after you learn of the loss or theft of your Card or access code, you can lose no more than $50.00 if someone used your Card or access code without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your Card or access code and we can prove we could have stopped someone from using your Card or access code without your permission if you had told us, you could lose as much as $500.00.

Also, if your statement shows transfers that you did not make including those made by Card, access code or other means, 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 lost after the 60 days if we can prove that we could have stopped someone from making the transfers if you had told us in time. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods.

If you believe your Card or access code has been lost or stolen or that someone has transferred or may transfer money from your accounts without your permission, call:

703-218-9900 or 800-323-2899 or write to:

NextMark Credit Union

P.O. Box 1300

Fairfax, VA 22038-1300

Fax: 703-591-9538

You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your check without your permission.

6. RIGHT TO RECEIVE DOCUMENTATION —

a. Periodic Statements. Transfers and withdrawals made through any ATM or POS terminal, Debit Card transactions, audio response transactions, preauthorized EFTs, electronic/PC transactions or bill payments you make will be recorded on your periodic statement. You will receive a statement monthly unless there is no transaction in a particular month. In any case, you will receive a statement at least quarterly.

b. Terminal Receipt. You can get a receipt at the time you make any transaction (except inquiries) involving your account using an ATM and/or point-of-sale (POS) terminal.

c. Direct Deposit. If you have arranged to have a direct deposit made to your account at least once every 60 days from the same source and you do not receive a receipt (such as a pay stub), you can find out whether or not the deposit has been made by calling (703) 218-9900 or (800) 323-2899. This does not apply to transactions occurring outside the United States.

7. ACCOUNT INFORMATION DISCLOSURE — We will disclose information to third parties about your account or the transfers you make:

– As necessary to complete transfers;

– To verify the existence of sufficient funds to cover specific transactions upon the request of a third party, such as a credit bureau or merchant;

– If your account is eligible for emergency cash and/or emergency Card replacement services and you request such

services, you agree that we may provide personal information about you and your account that is necessary to provide you with the requested service(s);

– To comply with government agency or court orders; or

– If you give us your written permission.

8. BUSINESS DAYS — Our business days are Monday through Friday, excluding holidays.

9. CREDIT UNION 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 may be liable for your losses or damages. However, we will not be liable for direct or consequential damages in the following events:

– If, through no fault of ours, there is not enough money in your accounts to complete the transaction, if any funds in your accounts necessary to complete the transaction are held as uncollected funds pursuant to our Funds Availability Policy Disclosure, or if the transaction involves a loan request exceeding your credit limit.

– If you used your Card or access code in an incorrect manner.

– If the ATM where you are making the transfer does not have enough cash.

– If the ATM was not working properly and you knew about the problem when you started the transaction.

– If circumstances beyond our control (such as fire, flood, or power failure) prevent the transaction.

– If the money in your account is subject to legal process or other claim.

– If funds in your account are pledged as collateral or frozen because of a delinquent loan.

– If the error was caused by a system of any participating ATM network.

– If the electronic transfer is not completed as a result of your willful or negligent use of your Card, access code, or any EFT facility for making such transfers.

– If the telephone or computer equipment you use to conduct audio response, online/PC, or mobile banking transactions is not working properly and you know or should have known about the breakdown when you started the transaction.

– If you have bill payment services, we can only confirm the amount, the participating merchant, and date of the bill payment transfer made by the Credit Union. For any other error or question you have involving the billing statement of the participating merchant, you must contact the merchant directly. We are not responsible for investigating such errors.

– Any other exceptions as established by the Credit Union.

10. NOTICES — All notices from us will be effective when we have mailed them or delivered them to your last known address in the Credit Union’s records. Notices from you will be effective when received by the Credit Union at the address specified in this Agreement. We reserve the right to change the terms and conditions upon which this service is offered. We will mail notice to you at least 21 days before the effective date of any change. Use of this service is subject to existing regulations governing the Credit Union account and any future changes to those regulations.

The following information is a list of safety precautions regarding the use of Automated Teller Machines (ATM) and night deposit facilities:

– Be aware of your surroundings, particularly at night.

– Consider having someone accompany you when the ATM or night deposit facility is used after dark.

– Close the entry door of any ATM facility equipped with a door.

– If another person is uncomfortably close to you at the time of your transaction, ask the person to step back before you complete your transaction. If it is after the regular hours of the financial institution and you are using an ATM, do not permit entrance to any person you do not know.

– Refrain from displaying your cash at the ATM or night deposit facility. As soon as your transaction is completed, place your money in your purse or wallet. Count the cash later in the safety of your car or home.

– If you notice anything suspicious at the ATM or night deposit facility, consider using another ATM or night deposit facility or coming back later. If you are in the middle of a transaction and you notice something suspicious, cancel the transaction, take your Card or deposit envelope, and leave.

– If you are followed after making a transaction, go to the nearest public area where people are located.

– Do not write your personal identification number (PIN) or access code on your ATM Card.

– Report all crimes to law enforcement officials immediately. If emergency assistance is needed, call the police from the nearest available public telephone.

11. BILLING ERRORS — In case of errors or questions about electronic fund transfers from your share and share draft accounts or if you need more information about a transfer on the statement or receipt, telephone us at the following number or send us a written notice to the following address as soon as you can. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem appears. Call us at:

703-218-9900 or 800-323-2899 or write to:

NextMark Credit Union

P.O. Box 1300

Fairfax, VA 22038-1300

Fax: (703) 591-9538

– Tell us your name and account number.

– Describe the electronic transfer you are unsure about and explain, as clearly as you can, why you believe the Credit Union has made an error or why you need more information.

– 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 ten (10) business days.

We will determine whether an error has occurred within ten (10)* business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45** days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10)* business days for 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 ten (10) business days, we may not credit your account.

We will tell you the results within three (3) business days of 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.

* If you give notice of an error within 30 days after you make the first deposit to your account, we will have 20 business days instead of ten (10) business days to investigate the error.

** If you give notice of an error within 30 days after you make the first deposit to your account, notice of an error involving a point-of-sale (POS) transaction, or notice of an error involving a transaction initiated outside the U.S., its possessions and territories, we will have 90 days instead of 45 days to investigate the error.

NOTE: If the error you assert is an unauthorized VISA transaction, other than a cash disbursement at an ATM, we will credit your account within five (5) business days unless we determine that the circumstances or your account history warrant a delay, in which case you will receive credit within ten (10) business days.

12. TERMINATION OF EFT SERVICES — You may terminate this Agreement or any EFT service under this Agreement at any time by notifying us in writing and stopping your use of your Card and any access code. If you have not activated your Card, do not do so. You must destroy or return all Cards to the Credit Union. You also agree to notify any participating merchants that authority to make bill payment transfers has been revoked. We may also terminate this Agreement at any time by notifying you orally or in writing. If we terminate this Agreement, we may notify any participating merchants making preauthorized debits or credits to any of your accounts that this Agreement has been terminated and that we will not accept any further preauthorized transaction instructions. We may also program our computer not to accept your Card or access code for any EFT service. Whether you or the Credit Union terminates this Agreement, the termination shall not affect your obligations under this Agreement for any electronic transactions made prior to termination.

13. GOVERNING LAW — This Agreement is governed by the bylaws of the Credit Union, federal laws and regulations, the laws and regulations of the state of Virginia, and local clearinghouse rules, as amended from time to time. Any disputes regarding this Agreement shall be subject to the jurisdiction of the court of the county in which the Credit Union is located.

14. ENFORCEMENT — You are liable to us for any losses, costs or expenses we incur resulting from your failure to follow this Agreement. You authorize us to deduct any such losses, costs or expenses from your account without prior notice to you. If we bring a legal action to collect any amount due under or to enforce this Agreement, we shall be entitled, subject to applicable law, to payment of reasonable attorney’s fees and costs, including fees on any appeal, bankruptcy proceedings, and any post-judgment collection actions.

© CUNA Mutual Group, 2008-10,12-14:17, ALL RIGHTS RESERVED 51002B (DVABA5)


FUNDS AVAILABILITY POLICY DISCLOSURE

This disclosure describes your ability to withdraw funds at NextMark Federal Credit Union (“NextMark Credit Union” or the “Credit Union”). It only applies to the availability of funds in transaction accounts. The Credit Union reserves the right to delay the availability of funds deposited to accounts that are not transaction accounts for periods longer than those disclosed in this policy. Please ask us if you have a question about which accounts are affected by this policy.

General Policy. Our policy is to delay the availability of funds from your check and check deposits. During the delay, you may not withdraw the funds in cash and we will not use the funds to pay checks that you have written.

Determining the Availability of a Deposit. When we delay the availability of a deposit the length of the delay is determined by counting the business days from the day of your deposit. Every day is a business day except Saturdays, Sundays and federal holidays. If you make a deposit before close of business on a business day that we are open, we will consider that day to be the day of your deposit. However, we will consider deposits made after close of business or on a day that we are not open as deposited on the next business day we are open.

If you make a deposit to an ATM that we own or operate before close of business on a business day that we are open, we will consider that day to be the day of your deposit. However, we will consider deposits to an ATM that we own or operate made after close of business or on a day that we are not open as deposited on the next business day we are open.

The length of the delay varies depending on the type of deposit and is explained below.

Same-Day Availability. Funds from electronic direct deposits to your account will be available on the same business day that we receive the deposit.

Next-Day Availability. Finds from the following deposits are available by the first business day after the day of your deposit:

  • U.S. Treasury checks that are payable to you
  • Wire transfers
  • Checks drawn on NextMark Credit Union

Next-Day Availability for Certain Deposits Made in Person. Funds from the following deposits are available by the first business day after the day we receive your deposit, if you make the deposit in person to one of our employees:

  • Cash
  • State and local government checks that are payable to you
  • Cashier’s, certified, and teller’s checks that are payable to you
  • Federal Reserve Bank checks, Federal Home Loan Bank checks, and postal money orders, if these items are payable to you

If you do not make your deposit in person to one of our employees (for example, if you mail the deposit), funds from these deposits will be available by the second business day after the day we receive your deposit.

Availability of Other Check Deposits. Our policy is to make funds from other checks available as follows, the first $225.00 from a deposit of other checks will be available on the first business after the day of your deposit. The remaining funds will be available by the second business day after the day of your deposit. For example, if you deposit a check of $700.00 on a Monday, $225.00 of the deposit will be available by Tuesday. The remaining $475.00 will be available by Wednesday.

Holds on Other Funds. If we cash a check for you that is drawn on another financial institution, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on another financial institution, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited.

Longer Delays May Apply. We may delay your ability to withdraw funds deposited by check into your account an additional number of days for these reasons.

  • We believe a check you deposit will not be paid.
  • You deposit checks totaling more than $5,525.00 on any one (1) day.
  • You deposit a check that has been returned unpaid.
  • You have overdrawn your account repeatedly in the last six (6) months.
  • There is an emergency, such as failure of communications or computer equipment.

We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) days your account is open.

Funds from electronic direct deposits to your account will be available on the same business day that we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state, and local government checks, and checks drawn on NextMark Credit Union will be available on the next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable you. The excess over $5,525.00 will be available on the ninth business day after the day of your deposit. If your deposit of these checks, (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525.00 will not be available until the second business day after the day of your deposit. The delay for other check deposits is as follows, funds from deposits of other checks will be available on the seventh business day after the day of your deposit.

Deposits at Nonproprietary ATMs. Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we do not own or operate will not be available until the fifth business day after the day of your deposit. This rule does not apply at ATMs that we own or operate. All ATMs that we own or operate are identified as our machines.

Deposits at Service Centers. Funds from deposits of cash, U.S., Treasury, state and local government checks, Federal Reserve and Federal Home Loan Bank checks, U.S. Postal Money Orders, and certain computer-generated payroll checks in amounts of $2,500.00 or less will be available for withdrawal on the same business day as the date of your deposit.

The availability of funds from other check deposits made at service centers is as follows, the service center policy is to make funds from local checks available as described above.

Foreign Checks. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawn.

 


Member Satisfaction Survey Drawings

NO FEE OR PURCHASE NECESSARY TO ENTER OR WIN. PURCHASE WILL NOT IMPROVE THE ODDS OF WINNING. The inclusion in the email survey promotion begins on the first business day of the month the email request is generated by NextMark Credit Union and ends the last business day of the same month and year. All electronic entries must be received no later than the close of business on the last day of the month. For example, email survey generated in April must be submitted for inclusion by the close of business on April 30th. NextMark Credit Union is not responsible for lost, stolen, misdirected, delayed, destroyed or illegible entries.

ELIGIBILITY: Sweepstakes is open to legal residents of the United States who are 18 years of age or older at time of entry. NextMark Federal Credit Union employees, resellers, consultants, contractors, their immediate families (parent, child, sibling & spouse) and persons living in the same households as such individuals (whether related or not) are not eligible to participate in the Promotion.

By entering the Promotion, participants agree to release, discharge and hold harmless NextMark Credit Union , its affiliates, subsidiaries, officers, directors, employees and agents from any and all damages, costs, expenses, and other liabilities, including damages for personal injury or damage to property, whether the damages are direct or indirect, and regardless of whether the claim is based on contract, tort or any other legal theory, which may be due to or arise out of participation in the Program or any portion thereof or the acceptance, use/misuse or possession of the prize.

By participating, you agree to these Official Rules and to the decisions of NextMark Credit Union being final and binding in all respects. Void where prohibited by law, rule or regulation. All federal, state and local laws and regulations in the US apply.

HOW TO ENTER: Limit one entry per person. All subsequent entries from the same person or email address will be disqualified. Any attempt by a person to enter more than once with multiple email accounts will result in disqualification. The Promotion is an electronic random drawing.

To enter the Promotion you must provide/enter your true and correct name, email address, telephone number and complete the member satisfaction survey.

Electronic entries will be deemed made by the authorized account holder of the email address submitted at time of entry. The authorized account holder is deemed as the natural person who is assigned to an email address by an Internet access provider, online service provider or other organization that is responsible for assigning email addresses or the domain associated with the submitted email address. All entries become the property of NextMark Credit Union.

PRIZE: The prize includes shipping within the 50 United States, which will be paid for by NextMark Credit Union. The prize(s) consists of: $100 VISA Gift Card. There will be one winner; receiving one $100 gift card. NextMark Credit Union reserves the right to substitute the prizes for ones of equal or greater value.

SWEEPSTAKES DRAWING AND NOTIFICATION OF PRIZE WINNERS: The random drawing will be held on or before the 5th day of the following month of the entry period. Decisions by NextMark Credit Union of winner eligibility, notification, and acceptance or disqualification will be final and binding. Prize winner will receive prize notification by one of the following methods: telephone, email or certified mail.

The winner will have three (3) days after notification to accept the prize or will be disqualified and an alternate winner selected.

If the selected winner has not complied with the Official Rules, cannot be contacted, is ineligible, the Prize Notification or prize is returned as undeliverable, or does not return the executed Affidavit of Eligibility within the specified time period, an alternate winner will be selected. Acceptance of a prize constitutes permission for NextMark Credit Union to use winner’s name and likeness for advertising and promotional purposes without compensation, unless otherwise prohibited by law. All information collected will be treated in a manner consistent with NextMark l Credit Union ‘s privacy policy. All decisions of NextMark Credit Union shall be binding and final.

WINNER LIST: For the name of the Winners, send a self-addressed stamped envelope to:
Request must be made within 30 days following the close of the promotion

NextMark Credit Union
4201 Members Way Fairfax, VA 22030
Attention: Marketing Department

LIMITATIONS OF LIABILITY: NextMark Credit Union is not responsible for any incorrect or inaccurate information, whether caused by Web site users or by any of the equipment or programming associated with or utilized in the Promotion or by any technical or human error, which may occur in processing entries for the Promotion.

NextMark Credit Union is not responsible for lost, interrupted or unavailable Web site network server or other connections, miscommunications, failed telephone or computer or telephone transmissions or technical failure, jumbled, scrambled or misdirected transmissions, or other error of any kind whether human, mechanical or electronic.

NextMark Credit Union is not responsible for any delay, error, failure, problem or technical malfunction of any telephone network or lines, computer on-line systems, servers or providers, computer equipment, software, failure of electronic mail or entries due to technical problems or traffic congestion on the Internet or at any Web site or combination thereof, including injury or damage to any entrant, entrant’s computer or to any other computer related to or resulting from participation in, or downloading materials for, this Promotion. If for any reason, the Promotion is not capable of running as planned, including infection by computer virus, bugs, tampering, unauthorized intervention, fraud, technical failures, or any other causes beyond the control of NextMark Credit Union which corrupt or affect the administration, security, fairness, integrity or proper conduct of this Promotion, NextMark Credit Union reserves the right at their sole discretion to cancel, terminate, modify or suspend the Promotion.

CONDUCT: NextMark Credit Union reserves the right, at their discretion, to disqualify anyone found to be tampering with the entry process or the operation of the Promotion or Web site hosting the Promotion, to be acting in violation of the Official Rules, to be acting in an unsportsmanlike or disruptive manner or with intent to annoy, abuse, threaten or harass any other person. CAUTION: ANY ATTEMPT BY AN ENTRANT OR ANY OTHER INDIVIDUAL TO DELIBERATELY DAMAGE ANY WEB SITE OR UNDERMINE THE LEGITIMATE OPERATION OF THE PROMOTION IS IN VIOLATION OF CRIMINAL AND CIVIL LAWS. NEXTMARK FEDERAL CREDIT UNION RESERVES THE RIGHT TO SEEK DAMAGES FROM ANY SUCH ENTRANT OR INDIVIDUAL TO THE FULLEST EXTENT PERMITTED BY LAW.

GENERAL INFORMATION: This promotion is conducted in English (which will be given its everyday ordinary meaning) and any and all disputes shall be submitted to arbitration in accordance with the Rules of the American Arbitration Association then in effect, with any hearings pursuant to such Rules to be held in Pittsburgh, Pennsylvania. Should there be a conflict between the laws of the State of Pennsylvania and any other laws, the conflict will be resolved in favor of the laws of the State of Pennsylvania. The award rendered by the arbitrator shall be final and judgment may be entered upon the award in any court having jurisdiction thereof.

SPONSOR: The sponsor of this Promotion is: NextMark Credit Union, 4201 Members Way, Fairfax, VA 22030

*NextMark Credit Union reserves the right to extend the end date of the Promotion.

 


Mobile Deposit Capture Disclosure

These Mobile Remote Deposit Capture Terms and Conditions (“Agreement”) supplement the Online Banking Terms and Conditions and contain the terms and conditions for the use of NextMark Federal Credit Union (“NextMark”) Mobile Remote Deposit Capture(“mobile deposit”). In this Agreement, the words “you”, “yours”, and “user” refer to those who use the remote deposit capture services that NextMark (“us,” or “we”) may provide. Other agreements you have entered into with NextMark, including the Master Account Agreements and Disclosures or Online Banking Terms and Conditions, as applicable to your NextMark account(s), are incorporated by reference and made a part of this Agreement.

Services

The mobile deposit services are designed to allow you to make deposits to your checking, savings, or money market savings accounts from your mobile device by photographing checks and delivering the images and associated deposit information to NextMark or NextMark’s designated processor.

Acceptance of these Terms

Your use of mobile deposit constitutes your acceptance of this Agreement. This Agreement is subject to change from time to time. We will notify you of any material change via e-mail, text message, or on our website(s) by providing a link to the revised Agreement or by an online secure message. Your continued use of mobile deposit will indicate your consent to be bound by the revised Agreement. Further, NextMark reserves the right, in its sole discretion, to change, modify, add, or remove portions mobile deposit. Your continued use of mobile deposit will indicate your acceptance of any such changes to mobile deposit.

Limitations of Service

When using mobile deposit, you may experience technical or other difficulties. We will attempt to post alerts on our website or send you a text message to notify you of these interruptions in Service. We cannot assume responsibility for any technical or other difficulties or any resulting damages that you may incur. Some of mobile deposit services have qualification requirements, and we reserve the right to change the qualifications at any time without prior notice. We reserve the right to change, suspend or discontinue mobile deposit, in whole or in part, or your use of the mobile deposit, in whole or in part, immediately and at any time without prior notice to you.

Eligible items

You agree to scan and deposit only “checks” as that term is defined in Federal Reserve Regulation CC (“Reg. CC”). When the image of the check transmitted to NextMark is converted to an Image Replacement Document for subsequent presentment and collection, it shall thereafter be deemed an “item” within the meaning of Articles 3 and 4 of the Uniform Commercial Code.

You agree that you will not scan and deposit any of the following types of checks or other items which shall be considered ineligible items:

  • Checks payable to any person or entity other than the person or entity that owns the account that the check is being deposited into
  • Checks containing an alteration on the front of the check or item, or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn
  • Checks payable jointly, unless deposited into an account in the name of all payees.
  • Checks previously converted to a substitute check, as defined in Reg. CC.
  • Checks drawn on a financial institution located outside the United States.
  • Checks that are remotely created checks, as defined in Reg. CC.
  • Checks not payable in United States currency.
  • Checks dated more than 6 months prior to the date of deposit.
  • Checks or items prohibited by NextMark’s current procedures relating to the Services or which are otherwise not acceptable under the terms of your NextMark account.
  • Checks payable on sight or payable through Drafts, as defined in Reg. CC.
  • Checks with any endorsement on the back other than that specified in this agreement.
  • Checks that have previously been submitted through the Service or through a remote deposit capture service offered at any other financial institution.
  • Checks or items that are drawn or otherwise issued by the U.S. Treasury Department

Endorsements and Procedures

You agree to restrictively endorse any item transmitted through the Services by including your signature, account number, date, and the words “for mobile deposit only”, or as otherwise instructed by NextMark. You agree to follow any and all other procedures and instructions for use of the Services as NextMark may establish from time to time.

Receipt of Items

We reserve the right to reject any item transmitted through mobile deposit, at our discretion, without liability to you. We are not responsible for items we do not receive or for images that are dropped during transmission. An image of an item shall be deemed received when you receive a confirmation from NextMark that we have received the image. Receipt of such confirmation does not mean that the transmission was error free, complete or will be considered a deposit and credited to your account. We further reserve the right to charge back to your account at any time, any item that we subsequently determine was not an eligible item. You agree that NextMark is not liable for any loss, costs, or fees you may incur as a result of our chargeback of an ineligible item.

Availability of Funds

You agree that items transmitted using mobile deposit are not subject to the funds availability requirements of Federal Reserve Board Regulation CC. In general, if an image of an item you transmit through mobile deposit is received and accepted before 3:30 p.m. Eastern Time on a business day that we are open, we consider that day to be the day of your deposit. Otherwise, we will consider that the deposit was made on the next business day we are open. Funds deposited using mobile deposit will generally be made available in three business days from the day of deposit. NextMark may make such funds available sooner based on such factors as credit worthiness, the length and extent of your relationship with us, transaction and experience information, and such other factors as NextMark, in its sole discretion, deems relevant.

Disposal of Transmitted Items

Upon your receipt of a confirmation from NextMark that we have received an image that you have transmitted, you agree to retain the check for at least 60 calendar days from the date of the image transmission. After 60 days, you agree to destroy the check that you transmitted as an image, mark it “VOID”, or otherwise render it incapable of further transmission, deposit, or presentment. During the time the retained check is available, you agree to promptly provide it to NextMark upon request.

Deposit Limits

We may establish limits on the dollar amount and/or number of items you may deposit through mobile deposit.   If you attempt to initiate a deposit in excess of these limits, we may reject your deposit. If we permit you to make a deposit in excess of these limits, such deposit will still be subject to the terms of this Agreement, and we will not be obligated to allow such a deposit at other times.

If you have been a NextMark member for more than 1 year, are not excluded from participating in mobile deposit, and 1) are the borrower/co-borrower of a real estate loan that is active and not delinquent more than 30 days, or 2) are the owner/co-owner of a deposit account that has had an average daily deposit balance of over $20,000.00 for the last 90 days, your maximum daily limit is $30,000.00.  Mobile deposits in excess of $15,000.00 will be reviewed internally, and may be rejected, prior to posting.

If you have been a NextMark member for more than 1 year, are not excluded from participating in mobile deposit, or are the borrower or co- borrower of a consumer loan that is active and not delinquent more than 30 days, your maximum daily limit is $15,000.00.  Mobile deposits in excess of $5,000.00 will be reviewed internally, and may be rejected, prior to posting.

If you have been a member for more than 30 days, but less than 1 year and are not exclude from participating in mobile deposit, your maximum daily limit is $5,000.00.  Mobile deposits in excess of $2,000.00 will be reviewed internally, and may be rejected, prior to posting.

NextMark reserves the right to modify these limits, in our sole discretion, and you agree to comply.

 

 

Presentment

The manner in which the items are cleared, presented for payment, and collected shall be in NextMark’s sole discretion.

Errors

You agree to notify NextMark of any suspected errors regarding items deposited through mobile deposit away, and in no event later than 30 days after the applicable NextMark account statement is sent. Unless you notify NextMark within 30 days, such statement regarding all deposits made through mobile deposit shall be deemed correct, and you are prohibited from bringing a claim against NextMark for such alleged error.

Errors in Transmission

By using mobile deposit, you accept the risk that an item may be intercepted or misdirected during transmission. NextMark bears no liability to you or others for any such intercepted or misdirected items or information disclosed through such errors.

Image Quality

The image of an item transmitted to NextMark using mobile deposit must be legible, as determined in the sole discretion of NextMark. Without limiting the foregoing, the image quality of the items must comply with the requirements established from time to time by NextMark, ANSI, the Board of Governors of the Federal Reserve Board, or any other regulatory agency, clearinghouse or association.

User Warranties and Indemnification

You warrant to NextMark that:

  • You will only transmit eligible items.
  • You will not transmit duplicate items.
  • You will not re-deposit or re-present the original item.
  • All information you provide to NextMark is accurate and true.
  • You will comply with this Agreement and all applicable rules, laws and regulations.
  • You are not aware of any factor which may impair the collectability of the item.
  • You agree to indemnify and hold harmless NextMark from any loss for breach of this warranty provision.

Cooperation with Investigations. You agree to cooperate with us in the investigation of unusual transactions, poor quality transmissions, and resolution of customer claims, including by providing, upon request and without further cost, any originals or copies of items deposited through mobile deposit in your possession and your records relating to such items and transmissions.

Termination

We may terminate this Agreement at any time and for any reason. This Agreement shall remain in full force and effect unless and until it is terminated by us. Without limiting the foregoing, this Agreement may be terminated if you breach any term of this Agreement, if you use mobile deposit for any unauthorized or illegal purposes or you use mobile deposit in a manner inconsistent with the terms of your Master Account Agreements and Disclosures or any other agreement with us.

 


NEXTMARK VISA® GIFT CARD TERMS AND CONDITIONS

The following are your NextMark Federal Credit Union Visa Gift Card Terms and Conditions. In these Terms and Conditions “you” or “your” means the person who has received the NextMark Federal Credit Union Visa Gift Card; “we”, “us” or “our” means ”NextMark Credit Union” or the “Credit Union”; “Card” means the NextMark Credit Union Visa Gift Card. Please read the following carefully and keep them for your records. By accepting and using your Card, you are agreeing to these Terms and Conditions.

Using Your Card
The  NextMark Credit Union Non Personalized Gift Card is activated upon load, therefore please register your card at https://www.NextMarkCU.org/gift-card.html. Please sign the back before you can use the Card.

Your NextMark Credit UnionVisa Gift Card is issued by NextMark Credit Union and may be used for purchases at most merchants where Visa Debit is accepted. The Card may not be used for recurring payments, non-financial money exchange establishments and gambling establishments.

Some merchants, like restaurants, may attempt to submit authorizations against the Card for an amount greater than the actual purchase amount. If a merchant attempts an authorization greater than the balance remaining on your gift Card, it may be declined.

This NextMark Credit Union Visa Gift Card is not a credit Card and may not be reloaded. You may only use it when there is a balance remaining on the Card and only up to the amount left on the Card. Purchases will be deducted from your NextMark Credit Union Visa Gift Card until the value reaches zero. If a transaction initiated by you exceeds the remaining balance on the Card, you must tell the merchant before completing the transaction. Any transaction attempted for more than the amount available on the Card will be declined. Therefore, you must know the amount available on your Card and inform the merchant to process the transaction in that amount. You must pay the difference with another form of payment. If you are given value through the use of the Card greater than the balance remaining, you will pay us on demand the amount by which your transactions exceeded the balance remaining on the Card.

Fees and Charges
• Card Load Fee: $4.95 if a member purchased and ordered from a local branch
• Inactivity Fee: You will be charged a fee of $5.00 each month, beginning on the 13th month on the Card, as long as there is no activity on the Card.
• Card Replacement Fee (L/S): A $10.00 fee is assessed on the account when a card that is marked as lost/stolen is replaced.

Non U.S. Transactions
If a Card transaction is made in a currency other than that loaded on the Card, the amount will be converted into the appropriate currency at an exchange rate on the day the transaction is processed. The exchange rate used to determine the transaction amount in US dollars is either a rate selected from Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or the government mandated rate in effect for the applicable central processing date.

Your Liability For A Lost or Stolen Card or Unauthorized Transactions
Contact us immediately at 866-902-6082 if you believe the Card has been lost or stolen, or that someone has accessed or may access money from the Card without your permission. You will not be liable for lost value on the Card if you satisfy the following conditions:

  • You have immediately called us and reported the Card lost or stolen, which allows us to the status the Card.
  • You have signed the Card on its reverse side in permanent ink.
  • You inform us of the Card number and the approximate date of your last authorized use.
  • Your have not reported two or more incidents of unauthorized use to us in the preceding 12-month period.
  • You report all facts of the loss or theft to us and you cooperate in our investigation.

Our Liability for Failure to Make Transactions
We may restrict access to the Card, temporarily or permanently, if we notice suspicious activity in connection with the Card, and we will notify you if we do so. We have no liability for restricting access to the Card because of suspected suspicious activity. Access will be reinstated if we determine that there has been no unauthorized use of the Card.

If we do not complete a transfer from the Card on time or in the correct amount according to our Agreement with you (other than for restrictions because of suspicious activity), we will be liable for the correct amount of the transfer. However, there are some exceptions. We will not be liable, for instance:

  • If through no fault of ours, a merchant refuses to honor the Card;
  • If through no fault of ours, you do not have enough money available on the Card to make a purchase;
  • If the terminal or system was not working properly;
  • If the Card is expired, damaged, or revoked;
  • If the Card has been reported lost or stolen;
  • If the Credit Union has reason to believe there is something wrong, for example, that the Card has been stolen;
  • If the transaction information supplied to the Credit Union by you or a third party is incorrect or untimely;
  • If circumstances beyond our control (such as flood or fire) prevent a transaction, despite reasonable precautions that we have taken;
  • The merchant authorizes an amount greater than the purchase amount.

There may be other applicable exceptions as otherwise provided by state or federal laws.

Error Resolution Procedures
Records detailing the use of your Card are available by calling 866-902-6082. In case of errors or questions about transactions arising from the use of your Card, of if any records you see show transactions that you did not make, call 866-902-6082 immediately. We must hear from you no later than 60 days after the transaction appeared on the transaction activity report. If a good reason such as a hospital stay or long trip prevented you from telling us, we may, at our discretion, extend the period for a reasonable time. In order to help you with your questions, we will need the following information:

  • Your name, address, phone number, and Card number.
  • A description of the error or transaction you are unsure about and why you believe there is an error or why you need more information.
  • The dollar amount of the suspect error.

Once the type of dispute is identified, we will mail you the appropriate paperwork to complete. No other action will be taken until the completed paperwork is received at the address specified in the documentation. Upon receipt of the completed paperwork, we will send you a confirmation letter and begin the investigation. We will determine whether an error occurred within 60 days. If we need more time, however, we may take up to 30 additional days to investigate your complaint or question. If we decide to do this, we will send you a letter. Credit will be given only after it has been determined that it is warranted.

We will tell you the results 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 we used in our investigation.

Closure, Expiration, or Revocation of Card
You may close your Card and receive the remaining balance by contacting 866-902-6082 or by visiting your local  NextMark Credit Union branch. A fee will apply (see Fees and Charges).

Your Card expires on the last day of the monthly displayed on the Card. At expiration, the Card will be closed and any unused balance will be returned to the appropriate governing body under applicable escheatment laws.

The Card is the property of NextMark Credit Union and we may revoke the Card at any time without cause or notice. You agree to surrender a revoked Card promptly upon demand. Upon revocation, any stored value remaining on the Card will be refunded to you less any applicable fees.

You are now leaving NextMark Credit Union’s website. The credit union is not responsible for the content located on the third-party site, and the credit union’s privacy policy does not apply to the third party site. Please consult the privacy disclosures on the third-party site.

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