Apply for an Huntingdon Valley Bank Visa Debit Card
In order to apply for a card for your account, please complete the form below (all fields in bold are required). If your card has been lost or stolen, or if you have any questions about completing the application, please contact us at (215) 947-1300.
Requested Pin #
District of Columbia
Daytime Phone Number
Home Phone Number
Social Security Number
Mother's Maiden Name
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By clicking on the "I Accept" button below, the applicant(s) request(s) the described services and agrees to the terms and conditions governing the services, including any fees and charges. The applicant(s) agree(s) that all information is accurate and authorizes the financial institution to verify credit and employment history, if necessary, by any means, including preparation of a credit report by a credit agency. Check the "I Accept" button to indicate that you (the applicant) have read the agreement and accept its terms.
Terms and Conditions
HUNTINGDON VALLEY BANK VISA DEBIT CARD AND ELECTRONIC FUNDS TRANSFER ACT DISCLOSURE 1. ATM SERVICES, (STAR, HONOR, PLUS NETWORKS) You may use your VISA DEBIT CARD with your Personal Identification Number (PIN) to conduct any of the following transactions for each of the accounts you have requested to be accessed by your VISA DEBIT CARD: A. Withdraw cash from: 1) Your NOW, Super NOW, Checking and Money Market Deposit account(s); your Statement Savings account(s); B. Deposit cash checks or drafts to: 1) Your NOW, Super NOW, Checking and Money Market Deposit account(s); your Statement Savings account(s); 2) Deposit transactions are available only at STAR, HONOR and PLUS ATMs that accept deposits. C. Transfer funds: 1) Between your NOW, Super NOW, Checking and Money Market account(s); your Statement Savings account(s); D. Obtain the available balance(s) from: 1) Your NOW, Super NOW, Checking and Money Market account(s); Your Statement Savings account(s). Some ATMs may only provide access to the account you have designated as your primary account. Some services may not be available at all ATMs. 2. OTHER ATM NETWORK ACCESSES. From time to time, we may make arrangements with other ATM networks to grant access to your VISA DEBIT CARD. We shall inform you when such arrangements are made and describe the services which are made available to you and the charges therefore at that time. 3. PURCHASE TRANSACTIONS (POINT OF SALE) You may use your VISA DEBIT CARD with your PIN at any retail establishment ("Merchant") where such cards are accepted to purchase goods and services and/or to obtain cash where permitted by the Merchant ("Purchase"). The amount of all such Purchases (including any cash obtained, if permitted) will be deducted from your primary transaction (NOW, Super NOW, Checking or Money Market) account. When you make a purchase using your VISA DEBIT CARD you will be requesting us to withdraw funds from your selected primary transaction "NOW, Super NOW, Checking or Money Market" account in the amount of the transaction and directing or ordering us top ay these funds to such merchant. Any purchase refund made by a Merchant will be posted to your primary transaction "NOW, Super NOW, Checking or Money Market" account. Statement Savings accounts cannot be accessed to complete a purchase transaction. 4. VISA DEBIT CARD This Card can be used either as an or DEBIT card. Unless you specify a different account during Automated Teller Machine (ATM) transactions, your primary Account will be used for your transactions. You may use the ATM VISA CHECK CARD and personal identification number (PIN) issued to you to initiate transactions at ATMs within the networks identified on your card and such other facilities as we may designate from time to time. If the merchant utilizes a 'PIN Pad' to initiate POS transactions, you may need to select 'CREDIT' or 'DEBIT' after swiping your card in the machine. If you select 'DEBIT', you will need to input your PIN (this is the same PIN that you have assigned to your ATM transactions). This withdrawal will be deducted from your account immediately. If you selected 'CREDIT', a hold is placed on funds in your account pending final posting of the transaction. The merchant must honor VISA cards in order for you to conduct a "CREDIT" transaction. Some merchants accept only one of these two options. You can also obtain a cash advance at financial institutions participating in the VISA system. 5. LIMITATIONS ON THE USE OF YOUR VISA DEBIT CARD. You may use your VISA DEBIT CARD to make up to $1,000 in PIN-based transactions, each business day, of which, $500 may be cash withdrawals at ATMs, provided the funds are available in your account. You may also make up to $3,000 in signature-based transactions (Debit Card only) from your primary account, provided the funds are available in your account. The day for withdrawal limits starts at 12:00 a.m. each (business) day and ends at 12:00 a.m. the next business day. There are limitations on the frequency of use of your VISA CHECK CARD each (business) day. These limitations are imposed and not revealed for security purposes. You will be denied the use of the VISA Check Card if: - you exceed the daily withdrawal (or purchase) limit; - you do not have adequate funds available in your account; - you do not enter the correct PIN; The receipt provided by the STAR ATM, HONOR ATM, PLUS ATM or Merchant terminal will notify you of the denial. There is a limit on the number of such denials permitted. Attempts to exceed the limit may result in machine retention of your VISA CHECK CARD. The number of attempts that result in machine retention of your VISA CHECK CARD is not revealed for security reasons. 6. CHARGES FOR TRANSACTIONS. Huntingdon Valley Bank charges "Freedom Checking" accounts $.50 for each withdrawal and transfer from non-Huntingdon Valley Bank ATM's and all Merchant terminals, unless you select the "CREDIT" option if available, for which there is no fee. A $5.00 card replacement fee applies to all HVB accounts. We reserve the right to change our fee schedule from time to time and to charge your account in accordance with the fee schedule that will be provided to you at least twenty-one (21) days prior to assessment or change in assessment. 7. SURCHARGES A. You may be charged a surcharge fee for the use of a Non-Huntingdon Valley Bank ATM. The surcharge is in addition to any fees we may impose. For transactions at non-Huntingdon Valley Bank ATM's, you will be notified by the owners of the ATM of the fee and have the option to cancel the transaction before the fee is imposed. B. Huntingdon Valley Bank may surcharge non-Huntingdon Valley Bank customers who make withdrawals at Huntingdon Valley Bank ATM's. You will not receive a surcharge fee if you use your Huntingdon Valley Bank ATM VISA DEBIT CARD at a Huntingdon Valley Bank ATM. 8. ATM & AUTOMATIC CLEARING HOUSE (ACH) DEPOSIT AND FUNDS AVAILABILITY INFORMATION. ACH deposits and deposits made at ATMs are posted to your account(s) according to the rules and regulations of our account(s) and our funds availability policies. Those rules are contained in our disclosure statement required under the Expedited Funds Availability Act, a copy of which has been provided to you or is available upon request. You may not deposit any foreign currency at an ATM. All items presented at an ATM are removed before 3:00 p.m. each (business) day. ACH deposits will be identified and noted on your monthly statements. You must present your passbook to be updated at a Huntingdon Valley Bank Office. ACH debits (withdrawals) are not permitted on passbook accounts. 9. DEPOSIT AND WITHDRAWAL LIMITATIONS. Huntingdon Valley Bank reserves the right to verify items deposited before such funds are made available to you. However, once a deposit has been confirmed and recorded in your account you may withdraw against the amount deposited. The amount of funds you can withdraw is limited by the daily withdrawal limit and applicable check holds. When all of the deposited funds become available, you may withdraw against the entire amount deposited up to the daily withdrawal limit. 10. RECORD OF TRANSACTIONS. A. ATM's. You will receive a printed receipt for each STAR, HONOR, PLUS or Purchase transaction that you make, at the time of the transaction. You will receive a monthly statement showing the status of your account(s), transactions made during the past month, and any charges which we impose for such services or transactions. B. Direct Deposit Transactions. If you have arranged to have direct deposits made to your account at least once every sixty (60) days from the same person or company: your monthly statement will reflect and identify the transactions. 1) The person or company making the deposit will tell you every time they send us money, OR; 2) You can call us at (215)-947-1300, our "BANK BY PHONE" system at (215) 914 2265, or log on to Online Banking at www.huntingdonvalleybank.com to find out if the deposit has been made, provided you have registered to use these systems. 3) If you have a passbook account where the only possible electronic transfers are pre-authorized deposits, you will need to bring in your passbook to us so we can record any electronic transactions made to your account since the last time your passbook was updated. 4) ACH debits (withdrawals) are not permitted with passbook accounts. 11. ELECTRONIC FUNDS TRANSFERS Electronic Funds Transfers means any transfer of funds other than a transaction originated by a check, draft or similar paper instrument that is initiated through an electronic terminal, electronic check conversion (ECK), computer or magnetic tape, for the purpose of ordering, instructing, or authorizing us to debit or credit an account. The term includes, but is not limited to, point-of-sale transfers, automatic teller machine transfers (ATM's), electronic check conversion (ECK), direct deposits or withdrawals of funds and transfers initiated by telephone. It includes all transfers resulting from debit card transactions, including those that do not involve an electronic terminal at the time of the transaction. It also does not include automatic transfers between Huntingdon Valley Bank accounts and wire transfers. Electronic Check Conversion (ECK) is payment process in which a merchant (after obtaining your authorization) uses your check to gather routing, account, and check number information to initiate a one-time EFT. A description of the transaction will appear on your statement. Re-presented Check Transactions & Fees – You may authorize a merchant to electronically collect a fee associated with a re-presentment of a check returned due to insufficient or unavailable funds. The resulting fee transaction, if debited as an EFT from your account, is covered by the Electronic Funds Transfer Act and this disclosure; however, the original check and the subsequent re-presentment are not covered by the Act. 12. STOP PAYMENTS OF AUTHORIZED TRANSFERS. If you have requested us to make regular payments out of your account, you can stop any of these payments. Please contact your local branch office or write to us at 650 Louis Drive, Suite 100, Warminster, PA 18974. We must receive your request three (3) business days before the payment is scheduled to be made. If you call, we will also require you to put your request in writing within fourteen (14) days after you call us. We may charge you a fee for each stop payment order you give in accordance with our then current stop payment fee amount. If these regular payments vary in amount, the person you are paying will tell you ten (10) days in advance, 1) when it will be made; and 2) how much it will be. (You may 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.) Stop payments on certain other transfers: If you have authorized a transfer by telephone or over the internet by providing account information, or if you believe a check you wrote has been converted to an electronic fund transfer, you may stop payment on that item by contacting us at 215-947-1300 before the transfer is completed. We will require the exact dollar amount, the name of the party to whom you gave authorization, and the check number, if any. We will charge you our current stop payment fee for each such stop order you give. 13. IF YOUR CARD IS LOST OR STOLEN Contact the Card Service Center, if you believe your, VISA DEBIT CARD or PIN has been lost or stolen or that an unauthorized transfer or purchase from any of your accounts has occurred or may occur. The best way of keeping your losses to a minimum is to call the Card Service Center at 1-(800)-554-8969. A "hold" will be placed on your card. You must come to a Huntingdon Valley Bank office to apply for a replacement card. If you find your old card, you must notify us and destroy your old card. If you attempt to use your old card it may be captured and retained by the ATM. You could lose all of the money in your account(s) if you take no action to notify Huntingdon Valley Bank, or the Card Service Center, of the loss of your CARD or PIN. If you notify Huntingdon Valley Bank or The Card Service Center of the loss, your liability for unauthorized transfers, will be as follows: A. If you contact Huntingdon Valley Bank or the Card Service Center within two business days of the loss or your discovery of the loss, you can lose no more than $50.00 if someone used your CARD and PIN without your permission. B. If you do not contact us within two business days, you could lose as much as $500.00 if we can prove that we could have prevented the loss if you had contacted Huntingdon Valley Bank or the Card Service Center. C. If you do not tell us within 60 days of when the item first appeared on a statement we sent to you, then you may not get back any money if we can prove that your contacting us could have prevented those losses. 14. UNAUTHORIZED TRANSACTIONS Tell us as soon as possible if you believe that a transfer, electronic check conversion or other electronic transaction has been made without your permission, or if you think your statement or receipt is wrong; or if you need more information about a transaction listed on the statement or receipt. We must hear from you no later than sixty (60) days after we sent you the first statement on which the problem or error appeared. Contact your local branch office or write us at 650 Louis Drive, Suite 100, Warminster, PA, 18974 or call 215-947-1300. We will ask you for the following information; A. Your name B. Account Number C. Visa check card or number D. The amount of the suspected error E. 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. If you tell us orally, we will require that you send us your complaint or question in writing within 10 business days. After we receive your letter, we will tell you the results of our investigation within 10 business days, (20 days for new accounts) and will correct any error promptly. If we need more time; however, we may take up to 45 days for ATM, HONOR or PLUS transactions or 90 days for a purchase, international transaction, and/or new accounts, to investigate your complaint or question. If we decide to do this we will re-credit your account within 10 business days (20 days for new accounts) 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. An account is considered new during the first thirty (30) days after its opening. If we do not receive your complaint or question in writing within 10 business days we may not recredit your account. If we decide that there is no error, we will send you a written explanation within three (3) business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. If we credit your account with funds while investigating an error, you must repay those funds to us if we conclude no error has occurred. 15. BUSINESS DAYS. Our business days are Monday through Friday. Holidays are not included. 16. DISCLOSURE OF ACCOUNT INFORMATION. We will disclose information about your account or the transactions you make to third parties; - Where it is necessary to complete transactions; - To verify the existence and standing of your account with us upon the request of a third party, such as a credit bureau, - In accordance with your written permission, - In order to comply with court orders or government or administrative agency summonses, subpoenas, orders, examinations and escheat reports; and/or - On receipt of a certification from a federal agency or department that a request for information complies with the Right to Financial Privacy Act. 17. OUR LIABILITY FOR FAILURE TO COMPLETE AN ELECTRONIC FUND TRANSFER TRANSACTION. If we fail to complete a transaction on time or in the correct amount, when properly instructed by you, we will be liable for damages caused by our failure, unless: - The funds in your account are unavailable; - The funds in your account are subject to legal process; - The transaction you request would exceed the funds in your account; - The ATM has insufficient cash to complete the transaction; - Your card has been reported lost or stolen and you are using the reported card; - We have reason to believe that the transaction requested is unauthorized; - The failure is due to an equipment breakdown or damaged card which you knew about when you started the transaction at the ATM or Merchant terminal; - The failure was caused by an act of God, fire or other catastrophe, or by an electrical or computer failure or by any other cause beyond our control; - You attempt to complete a transaction at an ATM or Merchant terminal which is not a permissible transaction listed above; or - The transaction would exceed security limitations on the use of your VISA DEBIT CARD. In any case, we shall only be liable for actual proven damages if the failure to make the transaction resulted from a bona fide error despite our procedures to avoid such errors. 18. AUTHORIZATIONS If you give your card to someone and provide them with your PIN, any transactions initiated by that person will be considered authorized by you unless you notify us that transfers by that person are no longer authorized. Similarly, if you provide your account information to a third party over the telephone or the internet, any transactions initiated by that third party will be considered authorized by you unless you notify us that the transfers by that person, organization or company are no longer authorized. 19. ADVISORY AGAINST ILLEGAL USE You agree not to use your card(s) for illegal gambling or other illegal purposes. 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 card holder may be located. 20. FOREIGN TRANSACTIONS Card withdrawals made in foreign countries and foreign currencies will be charged to the account in US Dollars. The conversion rate to dollars willbe made in accordance with the operating regulations for international transactions established by VISA International, INC. We may, from time to time, block VISA DEBIT CARD, ATM withdrawals and purchases made using a personal identification number (PIN) and point of sale transactions in some countries due to suspected fraud. When you use your ATM VISA DEBIT CARD at a merchant, ATM machine or other debit service that settles in a currency other than U.S. dollars, a processing fee of 3 percent of the transaction will be assessed and will appear on your statement as a separate charge. If you will be traveling outside of the United States, you may call 1 (800) 642-0039 for more information. 21. CURRENCY CONVERSION When you use your VISA DEBIT 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 rate selected by 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 on the applicable central processing date, in each instance, plus or minus any adjustment determined by the issuer. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date. 22. NOTICE OF ATM/NIGHT DEPOSITORY FACILITY USER PRECAUTIONS As with all financial transactions, please exercise discretion when using an 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 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 as through it were cash. Don't tell anyone your PIN. Don't give anyone information regarding your 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 or if it is stolen, promptly notify us. You should consult the other disclosures you have received about electronic fund transfers for additional information about 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 surrounding. - 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 official immediately.