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Debit Mastercard® Disclosure

Regulation E Disclosure (Electronic Funds Transfer – EFT)


In consideration of United Texas Credit Union (“United Texas”) issuing to me a United Texas Debit Mastercard (the “Debit Card”), I hereby agree to be legally bound by the following terms and conditions upon signing the credit union’s Application for the Debit Card or my using the Debit Card issued to me.

Purpose of the Debit Card: The Debit Card may be used to purchase goods and services any place your Debit Card is honored by participating merchants. Funds to cover your Debit Card purchases will be deducted from your checking account. If the balance in your account is not sufficient to pay the transaction amount, the credit union will not pay the amount and may terminate all services under this Agreement. At the present time, you may also use your Debit Card to: (1) Make POS (Point of Sale) transactions with your Debit Card to purchase goods and services at merchants that accept Mastercard utilizing the available funds in your checking account, (2) Order goods and services by mail or telephone from places that accept Mastercard.

ATM Transactions: You may use your Debit Card and PIN (Personal Identification Number) in automated teller machines of the credit union, ATM Networks, and such other machines or facilities as the credit union may designate. The PIN is the confidential password that allows your card to access your account. Keep this number confidential. Do not write the PIN on your card or any other document or papers, leave it where anyone can find it, or confide it to any person. You are responsible for the security of your PIN. The Debit Card along with the PIN may be used in any United Texas-owned ATMs without a fee to perform the following functions: withdraw from your savings, checking, or Line of Credit; deposit to your savings and checking; make loan payments; transfer from checking to savings; transfer from savings to checking; transfer from Line of Credit; transfer loan payments; inquire for savings and checking balances (amount available to withdraw only).

Other ATM Networks: The Debit Card may be used at any PULSE or CIRRUS ATMs or networks with reciprocal agreements or associated networks with a fee for cash withdrawals, balance inquiries, and transfers only. United Texas-owned ATMs also accept debit and credit cards displaying the PLUS and CO-OP logos.

Foreign Transactions: In this agreement, the term “Foreign Transaction” means a transaction made in person in a foreign country and in some cases in a U.S. territory and also includes Internet and phone transactions made in the U.S., but with a merchant who processes the transaction in a foreign country or in some cases in a U.S. territory. Foreign Transactions made in foreign currencies will be debited from your Account in U.S. dollars. The currency conversion procedure used by Mastercard is based on rates observed in the wholesale market or government-mandated rates, where applicable. The currency conversion rate that Mastercard uses for a particular transaction is the rate Mastercard selects for the applicable currency on the date the transaction is processed, which may differ from the rate selected on the date the transaction occurred or the date the transaction is posted to your account. Additionally, we will charge a Foreign Transaction Fee as set forth in the Fee Schedule on all Foreign Transaction purchase, cash disbursement, and account credit transactions, whether originally made in U.S. dollars or converted from a foreign currency. All fees are calculated based on the transaction amount after it is converted to U.S. dollars. These fees are charged except where excluded.

Mastercard charges us a Currency Conversion Assessment of 20 basis points (0.2% of the transaction) for performing the currency conversion. In addition, Mastercard charges us an Issuer Cross-Border Assessment of 90 basis points (0.9% of the transaction) on all cross-border transactions regardless of whether there is a currency conversion. As a result, we charge you a Currency Conversion fee of 0.2% and a Cross-Border Transaction fee of 0.9%. The Cross-Border Transaction fee is charged on all cross-border transactions regardless of whether there is a currency conversion. A cross-border transaction is a transaction processed through the Global Clearing Management System or the Mastercard Debit Switch in which the country of the merchant is different than the country of the cardholder.

Purchases: The Debit Card may be used to purchase goods and services at any retail establishment (“Merchant”) where: the PULSE or CIRRUS logo is displayed for POS transactions and/or the Mastercard logo is displayed and Debit Mastercard is accepted by such Merchant. All purchases made with the Debit Card will be deducted from your checking account. You understand that the Debit Card is not a credit card. Whenever the Debit Card is used instead of cash or checks to make a purchase from a Merchant displaying the Mastercard logo and accepting Debit Mastercard – whether or not you are required to use your PIN to make the purchase – the amount of the purchase shall be debited directly from your primary checking account. You also understand that all purchases constitute a simultaneous withdrawal from your checking account, even though the purchase might not be paid by the credit union from your checking account until a later date. Additionally, Merchants may be required to receive authorization from the credit union for certain purchases which you make. You acknowledge that the credit union is under no obligation to authorize purchases when there are not sufficient funds available in your checking account.

Receipts and Verification: You will receive a receipt for each transaction made at an ATM. Each monetary transaction will also appear on your monthly credit union statement. Deposits are credited subject to verification and collection. To protect the security of your accounts, do not leave your receipt at the ATM when you complete your transactions. In addition, ATM transaction limits may be imposed by United Texas to protect the security of your accounts.

United Texas reserves the right to change the Debit Card Terms and Conditions and to implement any charge for services at any time, upon proper notification to members.

Signing the Card: The Debit Card must be signed immediately upon receipt. You acknowledge that in using the Debit Card at any Merchant which displays the Mastercard logo and accepts Debit Mastercard for purchases of goods and services, that you may be required by the Merchant to sign a sales authorization slip to make a purchase. In that event, comparison of your signature on the back of the Debit Card may be used by a Merchant as a means to verify your identity as the owner of the Debit Card. You also acknowledge that in making such purchases you may not be required to use your PIN to conduct the transaction.


By making application and/or activating a Debit Card, or by using, presenting or permitting the use or presentation for use of the Debit Card you shall be governed by the following provisions:

a. The term Debit Card as used in this agreement means a plastic card issued by us for use in and with one or more ATMs, POS terminals or other electronic terminals to communicate instructions and requests for us regarding one or more of the Accounts. Cardholder may not transfer the Debit Card to any other person; and, Cardholder shall return it promptly to us upon request.

b. Cardholder intends to initiate transfers to and from the Accounts in accordance with the instructions accompanying the Debit Card and by the combined use of the Debit Card and Cardholder’s PIN at certain electronic terminals designated by us.

c. Cardholder will give prompt written notice of loss or theft of the Debit Card to us.

d. Cardholder’s Debit Card is not issued as a medium for obtaining credit and does not entitle Cardholder to overdraw any of the Accounts.

e. All persons referred to as Cardholders shall be jointly and severally liable for each obligation imposed by this Agreement.

f. Cardholder agrees that all provisions contained in other agreements governing the Accounts, as such provisions now exist or may hereafter be stated, together with provisions of the “Disclosure Required by Federal Law” delivered to Cardholder by us are part of this Agreement.


This information has been assembled and provided to you in accordance with federal law. Please keep this with your other important papers and refer to it when needed.

  1. Members’ Liability for Unauthorized Transfers and Advisability of Prompt Reporting

If You Should Lose Your Debit Card: If your Debit Card is lost or stolen, notify United Texas at once or the available balance in your account could be in jeopardy. The quickest way to notify us is by telephone. Call United Texas Monday through Friday, during published hours of business at (210) 561-4500 or 1-800-531-8456. You may also send the information by FAX, (210) 561-4502, or by writing us at United Texas Credit Union, 5500 UTSA Boulevard, San Antonio, Texas 78249. When applying for the replacement of a lost or damaged card, a new PIN will be issued.

  1. For ATM, Signature-Based and PIN-Based Point of Sale Transactions with your Debit Card: If you believe your Debit Card or PIN has been lost or stolen, you will not be liable once you notify the credit union that someone may or has used your Debit Card or PIN without your permission. Inaction on your part could cause you to lose all the money in your account. To qualify for zero liability coverage, you must: a) exercise reasonable care in safeguarding the Debit Card from risk of loss or theft, b) upon becoming aware of such loss or theft, promptly report the loss or theft to us. Otherwise, your liability will be determined under the standards set forth below for all other unauthorized transfers.
  2. For All Other Unauthorized Transfers: If you believe your Debit Card or PIN has been lost or stolen, and you tell us within two business days after you learn of the loss or theft, you limit your liability to $50.00 if someone used your Debit Card or PIN without your permission. If you do not tell us within two business days of the loss of the Debit Card and/or compromise of your PIN, your liability could be as much as $500.00.
  3. If any of your statements show fund transfers that you did not make or authorize, tell us at once. If you DO NOT tell us within sixty days after the statement was mailed to you, you may not be reimbursed any money you lost if we can prove that we could have stopped someone from wrongfully taking the money if you had told us in time.
  4. In Case of Errors or Questions about Your Electronic Transfers: Call, write or fax us at the telephone number or address listed in this brochure. We must hear from you no later than sixty days after we send the FIRST statement on which the problem or error appeared. Tell us your name and account number; 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, and tell us the dollar amount and date of the suspected error. If you tell us orally, you must confirm your complaint or question in writing to us within ten business days.

We will tell you the results of our investigation within ten business 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 (90 days if the transfer involved a point of sale transaction or foreign initiated transfer) to investigate your complaint or question. If we decide to do this, we will provisionally credit your account within ten business days for the amount you believe 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 business days, we may not credit your account. If we decide there was no error, we will send you a written explanation within three business days after our investigation is complete.

For Point-of-Sale Transactions:

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, we may take up to ninety (90) days to investigate your complaint or questions.

If we ask you to put your complaint in writing and we do not receive it within ten (10) business days, we may not credit your account.

Business Days at United Texas Credit Union:

The United Texas lobbies are open for business Monday through Friday. We are closed on some holidays and Sundays.  Although the credit union is open on Saturday, it is not an official business day. Refer to the United Texas website at for current office hours by location.

Disclosure of Account Information to Third Parties:

We will disclose information to third parties about your account or the transfers you make:

1) when it is necessary for completing or resolving errors involving transfers,

2) in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant,

3) in order to comply with government agency or court orders, or

4) if you give us your written permission.

Right to Receive Documentation of Transfer:

1) You are provided a receipt at the time you make any transfer to or from your account using one of our ATMs.

2) If you have arranged to have direct deposits made to your account at least once every sixty (60) days from the same person, company, or agency, you can call us at (210) 561-4500 or 1-800-531-8456 to find out whether the deposit has been made.

3) You will receive a monthly account statement unless there are no transactions in a particular month. In any case, you will receive a statement semi-annually.

2. United Texas 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. For instance, we will NOT be liable:

  1. if, through no fault of ours, you do not have enough money in your account to make the transfers,
  2. if the transfer would exceed any established credit limit (Line of Credit, etc)
  3. if the ATM was not working properly and you knew about the breakdown when you began the transfer,
  4. if the ATM where you are making the transfer does not have enough cash,
  5. if circumstances beyond our control (fire, flood, power outages, etc) prevent the transfer, despite reasonable precautions that we have taken,
  6. if your funds are subject to legal process or other encumbrance restricting such,
  7. if your PIN or Debit Card is reported lost or stolen and/or,
  8. if we are holding uncollected funds in your account and the transfer would require the use of those funds.
  9. There may be other exceptions stated in our agreement with you.

3. Right to Revoke or Stop Payment of Pre-Authorized Debits/Electronic Transfers:

Automated Clearing House (ACH) rules allow members to permanently stop/revoke (all future payments) previously authorized recurring electronic debits to their accounts. However, the member must notify the ACH originator (company that is debiting the account) to do this and must abide by the notification requirements of the contract signed to allow these automatic electronic debits.

Members may stop payment (one payment) on a previously authorized recurring electronic payment (ACH debit). The member must notify United Texas at least three business days before the scheduled debit in order to provide United Texas sufficient time to act on the stop payment request. The member must supply sufficient and accurate information in order for the credit union to identify the payment to be stopped. United Texas will not be held responsible if the ACH debit posts to the member’s account due to receipt of inaccurate information.

United Texas will accept an oral stop payment order. However, the member must complete, sign and return to United Texas a written ACH stop payment order within 14 calendar days. The oral stop payment will not be effective after that date if the written order is not delivered to United Texas within 14 days.

The stop payment order will remain in effect until the earliest of the following occurs: 1) a lapse of six months from the date of the stop payment order, 2) payment of the debit entry has been stopped (one payment only will be stopped; any others received after the first one will be paid), or 3) the member withdraws the stop payment order (withdrawal must be in writing) and United Texas has reasonable time to act on it.

  1. Right to Receive Notice of Varying Amounts:

If these regular payments vary in amount, please have the person or agency to whom the payment will be made notify you of the date and amount of each payment ten days before it is scheduled to occur. You may choose instead to receive 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.

  1. Illegal Transactions:

You agree that you will not cause or allow your Debit Card or PIN to be used in any manner or for any transaction that we believe poses an undue risk of illegality and we may decline to authorize any such use or transaction.

Please refer to the Service Fee Schedule for information about charges for electronic fund transfers.


*Please do not include any sensitive information when contacting us via e-mail. E-mail is not a secure method of communication. To protect the security of your accounts, we will not send secure information to you via e-mail. For transactions or inquiries requiring the exchange of sensitive information, please contact our Call Center at the number listed above or send us a secure e-mail within Online Banking.