
This Electronic Funds Transfer Agreement is the contract which covers your and our rights and responsibilities concerning the electronic funds transfer (EFT) services offered to you by Superior Credit Union ("credit union"). In this agreement, the word "you" 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 or more share and checking accounts you have with the credit union. Electronic funds 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.
The following limitations on the frequency and amount of ATM transactions may apply:
Because of the servicing schedule and processing time required in ATM operations, there may be a delay between the time a deposit (either cash or check) is made and when it will be available for withdrawal.
The following limitations on the frequency and amount of VISA Check/Debit Card transactions may apply:
Your accounts can be accessed under Superior Line (Audio Response) via a touch-tone telephone only. Superior Line (Audio Response) service will be available for your convenience twenty-four (24) hours per day. This service may be interrupted for a short time each day for data processing.
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.
Your accounts can be accessed under Connect 24 via personal computer. Connect 24 will be available for your convenience twenty-four (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.
We will withdraw the designated funds from your checking account for bill payment transfer by the designated cut-off 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.
If you use an ATM not operated by us, you may be charged a fee by the ATM operator and by any 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.
Replacement card fee of $5.00 per card.
TELL US AT ONCE if you believe your card has been lost or stolen or if you believe someone has used your card or access code or otherwise accessed your accounts without your authority. 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 either a Visa or Interlink transaction, you will have no liability for the transaction, unless you were grossly negligent in the handling of your account or card. For all other EFT transactions, including ATM transactions or if you were grossly 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 you can lose no more than $50 if someone used your card 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, and we can prove we could have stopped someone from using your card without your permission if you had told us, you could lose as much as $500.
Also, if your statement shows transfers that you did not make, TELL US AT ONCE. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money lost after the sixty (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 has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call (419) 223-9746 or write to:
Superior Credit Union
4230 Elida Road
Lima, OH 45807
Fax: (419) 227-5258
The following information is a list of safety precautions regarding the use of ATMs and night deposit facilities.
Superior Credit Union
4230 Elida Road
Lima, OH 45807
Fax: (419) 227-5258
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 tell you the results of our investigation 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 forty-five (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 thirty (30) days after you make the first deposit to your account, we will have twenty (20) business days instead of ten (10) business days to investigate the error.
** If you give notice of an error within thirty (30) days after you make the first deposit to your account, notice of an error involving a POS transaction, or notice of an error involving a transaction initiated outside the U.S., its possessions and territories, we will have ninety (90) days instead of forty-five (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.
Since visiting Superior Credit Union both Laurie and I have become members and moved money into investments through Superior. We have been VERY happy with the service provided by Tim Niebel and others that we have come in contact with. The customer service and value of being appreciated as a member by far surpasses any bank we have been in contact with or used. Prior to playing the Piggy Bank promotion, I had barely heard of Superior and after we talked to many of our friends who are members and got excellent reviews.Bill & Laurie
Love the people working at my branch. They helped me not only set up a checking and savings account but also a 12 month CD. Thank you guys for the help.Noel N.
John was very very helpful, gave me insight on savings accounts and helped me get what I needed quickly!Dylan W.
We could not be happier with our experience with Superior! Working with Kelly was a dream. Not only was she informative, she added a true personal touch to the entire process. Would absolutely recommend working with Superior CU for your mortgage needs!Connor & Katie
A year ago, we refinanced our home with Superior Credit Union and Kelly Dattilo. She was so incredibly helpful that when we recently bought a new home in Tucson, AZ, we called her immediately to ask for her help again! Kelly is very knowledgeable and professional and we highly recommend her for any kind of mortgage assistance. She’s readily available and very patient when I have questions and makes sure that I understand the answers which I really appreciate. Again, we highly recommend her – she’s the best!!Cindy & Rick
Kelly Dattilo was absolutely amazing to work with. She went above and beyond trying to find what would work best for me. She was very open and honest, which as a first-time buyer made everything easier. You can tell she genuinely cares about those she is working with.Renae M.
As a first-time homebuyer, I had the best experience with Kelly Dattilo at Superior. Her patience and kindness to explain all of the process and the different options made the entire experience seamless and exciting! The SuperiorFirst grant helped me so much throughout my process of homebuying and financing! I can’t thank Kelly enough for helping me secure my first home with the advantage of using the first-time homebuyers grant!Lindsey C.
Without the SuperiorFirst grant funds and help of Superior Credit Union, homeownership would not have been possible. The process from pre-approval to closing was very easy.Kalen L.
Todd and the rest of the amazing Superior staff made my vehicle purchase smooth and convenient for me. They truly went above and beyond to provide the most fantastic customer service, well past their closing hours so I could pick up my vehicle on time. I cannot thank them enough, from our personal accounts, business account, mortgage and now two auto loans - Superior is our number one choice!Holly S.
Thanks for your help with the loan!!! Love love love this car!!!Amanda M.
With the recent reduction in interest rates, we inquired to see if we could qualify for a better mortgage rate with Superior. We applied online to inquire about refinancing and were contacted within a day by Alisha at Superior. She provided us with plenty of information, answered all our questions and was great to work with. We qualified for a better interest rate which ultimately led to a reduction on our minimum principal and interest payment. This gave us the ability to reduce the time to pay off our mortgage by making the same monthly payment as we were with our previous lender. Superior was easy to work with, willing to answer all our questions and, most important, helped us save money.Alyssa & Chris
Julie and Kelly were both fantastic, they met all our needs and very professional. Even when we hit small roadblocks they worked through it, and always found solutions. Great company to work with, they will help save you tons of money.Shawn & Natalie
Love using Superior Insurance Services. They always work with me on bills and claims to see if I should claim something or if there are better options to lower my bill. Keep up the great work.Bruce H.
Very friendly and helpful staff. They go the extra mile and I saved a lot on my auto and apartment renter's insurance. It made a big change to my budget! Thank you Wendy!Elizabeth M.
We could not be happier with our experience with Superior! Working with Kelly was a dream. Not only was she informative, she added a true personal touch to the entire process. Would absolutely recommend working with Superior CU for your mortgage needs!Connor & Katie
A year ago, we refinanced our home with Superior Credit Union and Kelly Dattilo. She was so incredibly helpful that when we recently bought a new home in Tucson, AZ, we called her immediately to ask for her help again! Kelly is very knowledgeable and professional and we highly recommend her for any kind of mortgage assistance. She’s readily available and very patient when I have questions and makes sure that I understand the answers which I really appreciate. Again, we highly recommend her – she’s the best!!Cindy & Rick
Kelly Dattilo was absolutely amazing to work with. She went above and beyond trying to find what would work best for me. She was very open and honest, which as a first-time buyer made everything easier. You can tell she genuinely cares about those she is working with.Renae M.
As a first-time homebuyer, I had the best experience with Kelly Dattilo at Superior. Her patience and kindness to explain all of the process and the different options made the entire experience seamless and exciting! The SuperiorFirst grant helped me so much throughout my process of homebuying and financing! I can’t thank Kelly enough for helping me secure my first home with the advantage of using the first-time homebuyers grant!Lindsey C.
Without the SuperiorFirst grant funds and help of Superior Credit Union, homeownership would not have been possible. The process from pre-approval to closing was very easy.Kalen L.
Todd and the rest of the amazing Superior staff made my vehicle purchase smooth and convenient for me. They truly went above and beyond to provide the most fantastic customer service, well past their closing hours so I could pick up my vehicle on time. I cannot thank them enough, from our personal accounts, business account, mortgage and now two auto loans - Superior is our number one choice!Holly S.
Thanks for your help with the loan!!! Love love love this car!!!Amanda M.
With the recent reduction in interest rates, we inquired to see if we could qualify for a better mortgage rate with Superior. We applied online to inquire about refinancing and were contacted within a day by Alisha at Superior. She provided us with plenty of information, answered all our questions and was great to work with. We qualified for a better interest rate which ultimately led to a reduction on our minimum principal and interest payment. This gave us the ability to reduce the time to pay off our mortgage by making the same monthly payment as we were with our previous lender. Superior was easy to work with, willing to answer all our questions and, most important, helped us save money.Alyssa & Chris
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