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Electronic Forms Act Disclosure


Indicated below are types of Electronic Fund Transfers some of which may not apply to your account. Please read this disclosure carefully because explains your rights and obligations for the transactions listed.

Electronic Funds Transfers Initiated By Third Parties

You may authorize a third party to initiate electronic funds transfers between your account and the third party's account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearinghouse (ACH) or other payment networks. Your authorization to the third party to make these transfers can occur in a number of ways. In some cases, your authorization can occur when the merchant posts a sign informing you of their policy. In all cases, the transaction will require you to provide the third party with your account number and credit union information. This information can be found on your check or draft as well as on a deposit or withdrawal slip. Thus, you should only provide your credit union and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic funds transfers. Examples of these transfers include, but are not limited to:

  • Preauthorized credits. You may make arrangements for certain direct deposits to be accepted into your checking, savings, or money market account(s).
  • Preauthorized payments. You may make arrangements to pay certain recurring charges from your checking, savings, or money market account(s).
  • Electronic check or draft conversion. You may provide your check or draft to a merchant or service provider who will scan the check or draft for the encoded credit union and account information. The merchant or service provider will then use this information to convert the transaction into an electronic fund transfer. This may occur at the point of purchase, or when you provide your check or draft by other means such as by mail or drop box.
  • Electronic returned check or draft charge. Some merchants or service providers will initiate an electronic funds transfer to collect a charge in the event a check or draft is returned for insufficient funds.

Call 24 Telephone Transfers - types of transfers

You may access your account by telephone 24 hours day at (610) 447-9900 or 1-800-358-7005 (toll calling areas) using your personal identification number, a touch tone phone, your account ID numbers, and your member number, to:

  • transfer funds from checking to savings
  • transfer funds from savings to checking
  • transfer between members' accounts
  • make check withdrawals from checking or savings
  • make payments from checking to loan accounts with Sentry FCU
  • make payments from savings to loan accounts with Sentry FCU
  • get information about:
    • the account balance of checking accounts
    • the last deposits to checking accounts
    • the last ATM withdrawals from checking accounts
    • checks paid
    • the account balance of savings accounts
    • the last  deposits to savings accounts
    • the last ATM withdrawals from savings accounts
    • available line of credit balance
    • loan payments due on a loan

Call 24 Limitations

During any statement period, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a telephonic order. Your transaction requests will not be completed if you do not have adequate funds or credit available in your account or if you exceed the transfer limitations on your savings account.

Please also see Limitations on frequency of transfers section regarding limitations that apply to telephone transfers.

ATM Transfers – types of transfers and dollar limitations

You may access your account(s) by ATM using your ATM card and personal identification number or Sentry Check Card and personal identification number, to:

  • make deposits to checking account(s)
  • make deposits to savings account(s)
  • make deposits to money market account(s)
  • get cash withdrawals from checking account(s)
    • you may withdraw no more than $500.00 per day in combination with savings and money market
      accounts (also in combination with point-of-sale transactions)
  • get cash withdrawals from savings account(s)
    • you may withdraw no more than $500.00 per day in combination with checking and money market accounts (also in combination with point-of-sale transactions)
  • get cash withdrawals from money market account(s)
    • you may withdraw no more than $500.00 per day in combination with checking and savings accounts (also in combination with point-of-sale transactions)
  • transfer funds from savings to checking account(s)
  • transfer funds from checking to savings account(s)
  • transfer funds from savings to money market account(s)
  • transfer funds from checking to money market account(s)
  • transfer funds from money market to savings account(s)
  • transfer funds from money market to checking account(s)
  • get information about:
    • checking account balance
    • savings account balance
    • money market account balance

Some of these services may not be available at all terminals.

ATM Limitations


Your cash withdrawals and/or point of sale transactions, separately or any combination thereof, may not exceed $500.00 each day provided the funds are available in your accounts.

There is no charge for transactions at ATMs we own or operate. You may make 3 transactions per statement cycle from your savings account at no charge, 3 transactions per statement cycle from your checking account, and 3 transactions per statement cycle from your money market account at ATMs we do not own or operate.

A transaction is any service provided at an ATM, which includes but is not limited to deposits, withdrawals, balance inquiries, and point-of-sale transactions.

Please refer to our fee schedule for additional information about fees and charges.

Please also see Limitations on frequency of transfers section regarding limitations that apply to ATM transfers.

Types of ATM Card Point-of-Sale Transactions

You may access your checking or savings account(s) to purchase goods (in person), pay for services (in person), and get cash from a merchant, if the merchant permits, or from a participating financial institution.

Point-of-Sale Transactions - frequency and dollar limitations - Using your card:

  • you may make no more than three transactions per month from a savings account
  • you may not exceed $500.00 in transactions per day in combination with ATM transactions

Please refer to our fee schedule for additional information about charges.

Types of Sentry Check Card Point-of-Sale Transactions

You may access your checking account(s) to purchase goods (in person or by phone), pay for services (in person or by phone), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that you can do with a credit card (that a participating merchant will accept with a credit card).

Point-of-Sale Transactions - dollar limitations - Using your card:

  • you may not exceed $1,000.00 in transactions per day (in combination with ATM transactions)

Please refer to our fee schedule for additional information about charges.

Please also see Limitations on frequency of transfers section regarding limitations that apply to debit card transactions.

Currency Conversion

When you use your Sentry Check Card at a merchant that settles in currency other than US dollars, the charge will be converted into the US dollar amount. The currency conversion rate used to determine the transaction amount in US dollars is either a wholesale market rate or the government-mandated rate in effect the day before the processing date, increased by 1%. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date.

Advisory Against Illegal Use

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.

SentryFCU Online Computer Transfers - types of transfers

You may access your account(s) by computer through the internet by logging onto our website at www.sentryfcu.org and using your user identification number, your password, and your account numbers, to:

  • transfer funds from checking to checking
  • transfer funds from checking to savings
  • transfer funds from savings to checking
  • transfer funds from savings to savings
  • transfer funds from line of credit to checking
  • transfer funds from line of credit to savings
  • make payments from checking to loan account(s) with us
  • make payments from checking to third parties
  • make payments from savings to loan account(s) with us
  • get information about:
    • checking account balance
    • savings account balance

Please also see Limitations on frequency of transfers section regarding limitations that apply to computer transfers.

Limitations on frequency of transfers

In addition to those limitations on transfers elsewhere described, if any, the following limitations apply:

  • During any statement period, you may not make more than six withdrawals or transfers from savings account(s) to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer, computer transfer, or telephonic order or instruction. No more than three of the six transfers may be made by check, draft, debit card, or similar order to a third party. If you exceed the transfer limitations set forth above, your account will be subject to closure by the credit union.

Fees

  • Sentry FCU does not charge for direct deposits to any type of account.
  • Sentry FCU does not charge for preauthorized payments from any type of account.
  • Please refer to our fee schedule for ATM related fees.

Except as indicated elsewhere, we do not charge for these electronic fund transfers.

ATM Operator/Network Fees

When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

Documentation

  • Terminal transfers. You can get a receipt at the time you make any transfer to or from your account using an automated teller machines or point-of-sale terminals.
  • Preauthorized credits. If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, you can call us at (610) 447-9900 or 1-800-358-7005 (toll calling areas) to find out whether or not the deposit has been made.
  • Periodic statements. You will get a monthly account statement from us for your checking or money market accounts.  You will get a monthly account statement from us for your savings accounts, unless there are no transfers in a particular month. In any case, you will get a statement at least quarterly.

Preauthorized Payments 

  • Right to stop payment and procedure for doing so. If you have informed us in advance to make regular payments out of your account, you can stop any of these payments. Here is how:
    Call us at 610-447-9900 or write us at 3524 Edgmont Avenue, Brookhaven, PA 19015 in time for us to receive your request 3 business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call.   Please refer to our fee schedule for the amount we will charge you for each stop-payment order you give.
  • Notice of varying amounts. If these regular payments may vary in amount, the person you are going to pay will tell you, 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 transfer. If you order us to stop one of these payments 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.

Financial Institutions 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 your losses or damages. However, there are some exceptions. We will not be liable, for instance:

  • If, through no fault of ours, you do not have enough money in your account to make the transfer.
  • If you have an overdraft line and the transfer would go over the credit limit.
  • If the automated teller machine where you are making the transfer does not have enough cash.
  • If the terminal or system was not working properly and you knew about the breakdown when you started the transfer.
  • If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
  • 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:

  • where it is necessary for completing transfers; or
  • in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or
  • in order to comply with government agency or court orders; or
  • as explained in the separate Privacy Disclosure.

Unauthorized Transfers

Consumer liability

Generally. Tell us AT ONCE if you believe your card and/or code has been lost or stolen. Telephoning is the best way of minimizing your possible losses. You could lose all the money in your account (plus your maximum overdraft line of credit). If you notify us within 2 business days, you can lose no more than $50 if someone used your card and/or code without your permission. (If you believe your card and/or code has been lost or stolen, and you notify us within 2 business days after you learn of the loss or theft, you can lose no more than $50.)

If you do NOT notify us within 2 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 had you notified us, you could lose as much as $500.00.

Also, if your statement shows transfers that you did not make, notify us at once. If you do not notify us within 60 days after the statement was mailed to you, the credit union is not liable and therefore your loss is not recoverable.

If a good reason (such as a long trip or a hospital stay) kept you from notifying us, we will extend the time periods.

Additional Limit on Liability for Sentry Check Card. Unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen Sentry Check Card. This additional limit on liability does not apply to ATM transactions, to transactions using your Personal Identification Number which are not processed by VISA®, or for commercial cards.

Contact in 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 from your account without your permission, call us at 610-447-9900 or write us at 3524 Edgmont Avenue, Brookhaven, PA  19015.

Error Resolution Notice

In Case of Errors or Questions About Your Electronic Transfers, call us at 610-447-9900 or write us at 3524 Edgmont Avenue, Brookhaven, PA  19015, 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 or error appeared.

  • Tell us your name and account number (if any).
  • Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is 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 10 business days.

We will determine whether an error occurred within 10 business days (5 business days for Sentry Check Card point-of-sale transactions and 20 business days if the transfer involved a new account) after notification 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 question. If we decide to do this, we will credit your account within 10 business days (5 business days for Sentry Check Card point-of-sale transactions and 20 business days if the transfer involved a new account) 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 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 prior to opening the account in question.

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 were used in our investigation.  Mail your request to:

Sentry Federal Credit Union 
Member Service
3524 Edgmont Avenue 
Brookhaven, PA 19015
Business Days: Monday through Friday
Excluding Federal Holidays
Phone: (610) 447-9900 or 1-800-358-7005 (toll calling areas)

More Detailed Information is Available on Request

Notice of ATM/Night Deposit

Facility User Precautions

As with all financial transactions, please exercise discretion when using an automated teller machine (ATM) or night deposit facility. For your own safety, be careful. The following suggestions may be helpful.

  • Prepare for your transactions at home (for instance, by filling out a deposit slip) to minimize your time at the ATM or night deposit facility.
  • Mark each transaction in your account record, but not while at the ATM or night deposit facility. Always save your ATM receipts. Don't leave them at the ATM or night deposit facility because they may contain important account information.
  • Compare your records with the account statements you receive.
  • Don't lend your ATM card to anyone.
  • Remember; do not leave your card at the ATM. Do not leave any documents at a night deposit facility.
  • Protect the secrecy of your Personal Identification Number (PIN). Protect your ATM card as though it were cash. Don't tell anyone your PIN. Don't give anyone information regarding your ATM card or PIN over the telephone. Don't write your PIN where it can be discovered. For example, don't keep a note of your PIN in your wallet or purse.
  • Prevent others from seeing you enter your PIN by using your body to shield their view.
  • If you lose your ATM card or if it is stolen, promptly notify us. You should consult the other disclosures you have received about electronic fund transfers for additional information concerning what to do if your card is lost or stolen.
  • When you make a transaction, be aware of your surroundings. Look out for suspicious activity near the ATM or night deposit facility, particularly if it is after sunset. At night, be sure that the facility (including the parking area and walkways) is well lighted. Consider having someone accompany you when you use the facility, especially after sunset. If you observe any problem, go to another ATM or night deposit facility.
  • Don't accept assistance from anyone you don't know when using an ATM or night deposit facility.
  • If you notice anything suspicious or if any other problem arises after you have begun an ATM transaction, you may want to cancel the transaction, pocket your card and leave. You might consider using another ATM or coming back later.
  • Don't display your cash; pocket it as soon as the ATM transaction is completed and count the cash later when you are in the safety of your own car, home, or other secure area.
  • At a drive-up facility, make sure all the car doors are locked and all of the windows are rolled up, except the driver's window. Keep the engine running and remain alert to your surroundings.
  • We want the ATM and night deposit facility to be safe and convenient for you. Therefore, please tell us if you know of any problem with a facility. For instance, let us know if a light is not working or there is any damage to a facility. Please report any suspicious activity or crimes to both the operator of the facility and the local law enforcement officials immediately.

Your Ability to Withdraw Funds

This policy statement applies to "transaction" accounts. Transaction accounts, in general, are accounts, which permit an unlimited number of payments to third persons and an unlimited number of telephone and preauthorized transfers to other accounts of yours with us. Share draft accounts are the most common transaction accounts. Feel free to ask us whether any of your other accounts might also be under this policy.

Our policy is to delay the availability of funds from your cash 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.

Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit.

Determining the Availability of a Deposit

The length of the delay is counted in 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 closing on a business day, we will consider that day to be the day of your deposit. However, if you make a deposit after closing or on a day we are not open, we will consider the deposit was made on the next business day we are open.

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

If you make a deposit at an ATM before 3:00 P.M. on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit at an ATM after 3:00 P.M. or on a day we are not open, we will consider that the deposit was made on the next business day we are open.

Same-Day Availability

Funds from electronic direct deposits to your account will be available on the day we receive the deposit:

  • Wire transfers.
  • Cash.
  • Direct deposits (such as Social Security and payroll payments)

Next-Day Availability

Funds from the following deposits are available on the first business day after the day of your deposit:

  • U.S. Treasury checks that are payable to you.
  • Checks drawn on Sentry Federal Credit Union.

If you make the deposit in person to one of our employees, funds from the following deposits are also available on the first business day after the day of your deposit:

  • 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 on the second business day after the day we receive your deposit.

Other Check Deposits

The delay for other check deposits depends on whether the check is a local or a non-local check. To see whether a check is a local or a non-local check, look at the routing number on the check:

sampleChecks

If the first four digits of the routing number (1234 in the examples above) are 0310, 2310, 0311, 2311, 0312, 2312, 0313, 2313, 0319, 2319, 0360, or 2360, then the check is a local check. Otherwise, the check is a non-local check. Some checks are marked "payable through" and have a four- or nine-digit number nearby. For these checks, use the four-digit number (or the first four digits of the nine-digit number), not the routing number on the bottom of the check, to determine if these checks are local or non-local. Our policy is to make funds from local and non-local checks available as follows.

  • Local checks. The first $100 from a deposit of local checks will be available on the first business day after the day of your deposit. The remaining funds will be available on the second business day after the day of your deposit.
    o For example, if you deposit a local check of $700 on a Monday, $100 of the deposit is available on Tuesday. The remaining $600 is available on Wednesday.
  • Non-local checks. The first $100 from a deposit of non-local checks will be available on the first business day after the day of your deposit. The remaining funds will be available on the fifth business day after the day of your deposit.
    o For example, if you deposit a $700 non-local check on a Monday, $100 of the deposit is available on Tuesday. The remaining $600 is available on Monday of the following week.
  • Local and non-local checks. If you deposit both categories of checks, $100 from the checks will be available on the first business day after the day of your deposit, not $100 from each category of check.

If we cash a check for you, drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available as if the check cashed was deposited.

If we accept for deposit a check that is drawn on another bank, 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 using the formula described above for deposited checks.

Longer Delays May Apply

The availability of funds from a check deposit may be delayed for a longer period under the following circumstances:

We believe a check you deposit will not be paid.

  • You deposit checks totaling more than $5,000 on any one day.
  • You redeposit a check that has been returned unpaid.
  • You have overdrawn your account repeatedly in the last six months.
  • There is an emergency, such as failure of computer or communications 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 eleventh 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 30 days.

Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,000 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,000 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 $5,000 will not be available until the second business day after the day of your deposit.

Funds from all other check deposits will be available on the tenth business day after the day of your deposit.

Deposits At Automated Teller Machines

Funds from any deposit (cash or checks) made at automated teller machines (ATMs) not owned or operated by Sentry will not be available until the fifth business day after the day of your deposit. This rule does not apply at ATMs owned or operated by Sentry FCU.

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