ATM Card Information

Federal law requires the Credit Union to tell you how transactions handled electronically affect your accounts at this credit union. This document contains the required disclosures, explains the various ATM (automatic teller machine) services presently available, and describes your rights and responsibilities if you choose to use these services.

Using Your ATM Card

You may use your ATM card only after you have received your Personal Identification Number (PIN). The ATM card and PIN will allow you to:

  • Withdraw as much as $500 per day in cash from your Share account
  • Inquire on Share account balances

Lost or Stolen Card

Tell us, AT ONCE, if you believe your ATM card or PIN has been lost, stolen, or used (or may be used) without your permission. If you do NOT tell us within two (2) business days after your ATM card or PIN, you could lose as much as $500. Our business days are:

Monday-Wednesday and Friday 9:00 AM – 5:00 PM
Thursday 11:00 AM – 5:00 PM 

If your statement shows any electronic transaction you did not make or authorize to be made, tell us at once. If you do not tell us within 60 days after the first statement which reflected the unauthorized transaction was mailed to you, you may not get back any money you lost. If a good reason, such as a long trip or 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 by using your card without permission, call the Credit Union at:

(804) 233 – 8872 

or write to us at:

Richmond Heritage Federal Credit Union
50 W. Commerce Road
Richmond, VA 23224

Document Of Transactions

You will get a receipt at the time you use the ATM. You should retain these receipts for comparison to the information provided on your monthly or quarterly account statements.

Liability For Failure to Post Transactions 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:

  • If, through no fault of ours, you do not have enough money in your account.
  • If the funds in your account are subject to legal process, such as garnishment or attachment, or if the account is subject to a pledge or security agreement.
  • If the ATM where you are making the transaction does not have enough cash. If the ATM was not working properly and you knew about the breakdown when you started the transaction.
  • If circumstances beyond our control (such as fire, power failure, flood, or failure of a paying agency to deliver direct deposit by the payment date) prevented the transactions despite reasonable precautions we have taken.

Account Information Disclosure

  • We will disclose account information to third parties about your account or the transactions you make:
  • If we return checks on your account drawn on insufficient funds or if we are unable to complete a transaction,
  • If it is necessary for completing transactions,
  • In order to verify the existence and conditions of your account for a third party, such as a credit bureau or merchant,
  • In order to comply with a government agency or court order, or If you give us written permission.

Procedures for Correcting Errors

In case of errors or questions about your statement, receipt or electronic transactions, call the Credit Union at:

(804) 233 – 8872 

or write to us at:

Richmond Heritage Federal Credit Union
50 W. Commerce Road
Richmond, VA 23224

We must hear from you no later than 60 days after we send you the FIRST statement on which the problem or error appeared. When you call or write:

  • Tell us your name and account number.
  • Describe the error or the transaction that 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 and the date of suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 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 10 business days the amount you think is in error so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to put the complaint in writing and we do not receive it within 10 business days, we may not credit your account. If we decide that there was no error, we will send you a written explanation within 3 business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation, and copies will be provided at the same cost charged for duplicate copies of statements. The Credit Union reserves the right to charge reasonable costs and expenses incurred in conducting an error investigation when it is determined that no error has occurred.

Service Charges and Terms

Currently, the charges are:

  • $1.00 per transaction,
  • $1.00 per inquiry,
  • $5.00 application fee,
  • $5.00 for additional or lost card.

Any service charges for ATM services will be listed in the Credit Union’s Schedule of Fees. We reserve the right to institute or change these fees at any time. You will be notified in writing of any changes in these fees. The Credit Union may change the terms of the ATM services from time to time, but a written notice of such change will be made available to you. However, we may, without notice, change the limits on the types and amounts of transactions which may be done with your card.

ATM Locations

TO SAVE TIME & MONEY
Complete information below and mail to:
Richmond Heritage Federal Credit Union
50 W. Commerce Road
Richmond, VA 23224

© Copyright Richmond Heritage Federal Credit Union 2011. All rights reserved.