84 Wadsworth Street
Hartford, CT 06106
860-522-5388
www.CSECreditUnion.com
ATM CARD APPLICATION
Please complete and submit this application to any CSE branch location or mail to the address listed above. Retain attached Regulation E Disclosure and Cardholder
Agreement for your records.
MEMBER INFORMATION
Member Name:
Member Number:
Street Address:
Home Phone:
City/State/Zip:
Cell Phone:
REQUEST FOR ADDITIONAL CARD(S) FOR JOINT OWNER
I request an ATM card for the following joint owners:
Joint Owner:
Address:
Joint Owner:
Address:
ACKNOWLEDGMENT
Please send me, and any joint owners listed above, a CSE Credit Union ATM card and personal identification number (PIN). I have read
the attached disclosure in compliance with Regulation E and agree to all terms and conditions of the cardholder agreement.
I understand that point of sale (POS) transactions can only be made from my share draft (checking) account.
X
X
Joint Owner Signature
Date
Joint Owner Signature
Date
X
Primary Owner Signature
Date
Teller ID ___________
Date_________
Regulation E Disclosure and Cardholder Agreement
Definitions:
ATM Transactions
“You” and “your” mean each person who has signed the CSE Credit Union request
for an ATM card or who uses your CSE ATM card with your consent. “We”, “us”,
“our” and “Credit Union” mean CSE Credit Union through which you applied and
received your CSE ATM card. “Account” means each and all of your accounts with
us for which you may use your card. “Card” means your CSE ATM card. “Number”
means your personal identification number. “ATM” means an automated teller
machine. “POS” means point of sale transactions. POS transactions are all
transactions except those made at an ATM. “Transfer” means a withdrawal of
money by the use of your card.
I hereby apply to CSE Credit Union for CSE ATM card privileges and agree to all
the following terms and conditions.
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All POS transactions will be charged against my share draft (checking)
account. Funds in my savings account cannot be used for POS
transactions.
The Credit Union issues the CSE ATM card for my use only. I assume
responsibility for transactions made through the CSE ATM card.
The card is the property of the Credit Union and is subject to cancellation
at any time. The card must be returned to the Credit Union upon request
or may be impounded automatically by a machine. I may cancel card
privileges by notification to us in writing and physically surrendering the
card.
I will be assigned a personal identification number (PIN). At no time will I
reveal or make available directly or indirectly the personal identification
number to any person.
Any loss or theft of this card and/or PIN will be promptly reported.
The use of this card is subject to regulations on share draft and regular
share accounts. I agree not to withdraw funds in excess of the available
balance in my account.
Nothing in this agreement shall annul, limit, or in any way modify any other
obligation or relationship I may have with the Credit union now, or
hereafter.
Disclosure Information Provided in Compliance with
Regulation E
Consumer’s Liability for Loss or Theft
Prompt reporting of loss or suspected theft of your CSE ATM card is essential
for your protection.
If a loss or suspected theft is reported within 2 business days, you can lose no
more than $50, should someone else use your card without your permission.
If the Credit Union could have prevented the unauthorized use of your card had
you reported within 2 business days, you could lose as much as $500.
If delayed reporting to the Credit Union of such loss or theft is attributable to
extenuating circumstances – hospitalization, extended travel, etc., the specified
period may be lengthened a reasonable time.
Consumer’s Liability for Unauthorized Use of CSE ATM Card
Study the statement of your CSE ATM card transactions carefully. If a statement
shows a transaction that you did not authorize, notify the Credit Union at once.
You have 60 days from the date of the statement to report any unauthorized
transactions. If you fail to do so, you are liable for the unauthorized transactions
that appear on the statement or that occur within the 60 day period. You are also
liable for any unauthorized transactions that occur after the 60 day period and
before you gave notice – if these losses would not have occurred had you given
notification within the 60 days.
Telephone Number and Address for Reporting Loss, Theft,
or Unauthorized Use of Your CSE ATM Card
Telephoning is the best way to prevent losses or keep them at a minimum. Call the
Credit Union at:
(860) 522-5388
Or immediately write to:
Connecticut State Employees Credit Union
84 Wadsworth St
Hartford, Connecticut 06106-1794
In some circumstances, when you phone, you will be asked to follow up with a
written account.
Business Days
Credit Union business days are Monday through Friday from 9:30 AM to 4:00 PM,
exclusive of holidays.
Types of Electronic Fund Transfers Available
Through Your CSE ATM Card
You may use your CSE ATM card at machines having the NYCE or Cirrus
network logo, for the following types of transactions:
POS Transactions
Withdrawing funds from your share draft (checking) account to pay for goods and
get “Cash Back” up to $300 depending upon the retailers’ policies.
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Withdrawing cash from your share draft (checking) account or your regular
share account (savings).
Inquiring about balances in your share draft or regular share account.
Transfer between your share and share draft accounts.
Limitations on Amounts of Withdrawals
Assuming available funds are in your account, you may withdraw up to $300
within a 24-hour period from an online ATM and POS machine. If the ATM or POS
machine is not online, the maximum is $100.
Charges for EFT Transactions
After three (3) free ATM transactions per month, there will be a 75¢ charge for
each withdrawal, transfer, or balance inquiry when using your CSE ATM card at an
ATM. There will be no charge for transactions at a POS machine. The Credit Union
will not increase these charges unless we provide you 30 days advance written
notice.
Minimum Balance Requirement
I agree to maintain a minimum balance of $100 in my share account at all times.
This balance is not available for withdrawal or transfer.
Documentation of EFT Transactions
You can receive a receipt at the time your make any transactions from your
account using your CSE ATM card. Please retain these receipts for your records.
You will receive a monthly statement of your share draft account and a quarterly
statement of your regular share account.
CSE Credit Union Liability for Failure
to Make Electronic Funds Transfers
If the Credit Union does not complete a transfer from your account on time, or in
the correct amount according to our agreement with you, the Credit Union is liable
for losses or damages, except in the following instances:
 If, through no fault of the Credit Union, you do not have sufficient funds in
your account to make the transfer.
 If the ATM machine where you made the transfer does not have enough
cash, and despite information to that effect on the screen, you proceed with
the transaction.
 If the ATM or POS machine was not functioning properly and you knew of the
breakdown before you started the transaction.
 If circumstances beyond the control of the Credit Union (such as flood or fire)
prevent the transfer despite reasonable precautions that have been taken.
 Any other exceptions listed in your agreement with the Credit Union.
Account Information Disclosure
We will disclose information to third parties about your account in order to comply
with government agency or court orders; if you give us written permission; or in
order to verify the existence and condition of the account for a third party, such as a
merchant or credit bureau.
In Case of Errors or Questions About Your Electronic
Transfers
If you think that a statement of or a receipt for an electronic transfer is wrong, or
if you need more information about a transfer listed on the statement or receipt,
contact the Credit Union at once:
(860) 522-5388
or write to:
Connecticut State Employees Credit Union
84 Wadsworth St
Hartford, Connecticut 06106-1794
We must hear from you within 60 days after the first statement has been sent on
which the suspected error or problem appeared.
You should furnish:
 Your name and account number.
 A description of the error or transfer you are concerned about, explaining as
clearly as you can why you believe it to be an error or why you need more
information.
 The dollar amount of the suspected error.
Should you contact us orally, you may be asked to send your complaint or
question in writing within 10 business days.
We will inform you of the results of the investigation within 10 business days
after the Credit Union has heard from you. Any errors will be corrected promptly. In
the event that more time is needed, we may take up to 45 days to investigate the
matter. Should this be necessary, your account will be credited within 10 business
days for the amount you think is in error.
You will then have the use of the amount in question during the time it takes to
complete the investigation. However, if you are asked to put your questions in
writing and you do not do so within 10 business days, we may not be able to credit
your account.
Should no error be found, a written explanation will be sent to you within 3
business days after the investigation is completed.
You may ask for copies of the documents that were used in the investigation.