We do business in accordance
with the Federal Fair Housing
Law and the Equal Credit
Opportunity Act.
Your Savings Federally insured to at least $250,000
and backed by the National Credit Union
Administration, a U.S. Government Agency.
·You have applied for, accepted or used an HSCU Debit/Check card
·You have authorized automatic payments, either deposits or withdrawals, to or from your HSCU account.
·You have requested the transmitting of funds to your account or are in receipt of funds to your account by wire transfer.
Under this agreement HSCU is authorized to make all deposits, withdrawals, transfers, payments to or from your account according to your automatic deposit or payment instructions, including automated clearing house (ACH) transactions made with your debit card. All electronic funds transfers are subject to the provisions on your account signature agreement.
The debit card is our property, and we can cancel it at any time and end your privileges. If we cancel this agreement the cards must be returned to HSCU. We may also revoke your electronic transaction privileges at any time, without notice, cause, or liability to you and without affecting your outstanding obligations under this agreement. Neither we nor merchants authorized to honor the card will be responsible for the failure or refusal to honor the card or any other device we supply to you. If a merchant agrees to give you a refund or adjustment, you agree to accept a credit to your account in lieu of a cash refund. If the account is a joint account, each of you, separately, and both of you together, are responsible for complying with this agreement and any amendments. Your debit card may not be used to initiate any type of gambling transactions, etc. You agree that you will not use your card for any transactions that is illegal under applicable federal, state, or local law. If we have to notify you of anything concerning your electronic transactions we will use your name and address as it appears in our records.
There may be a charge for unscheduled (lost, stolen, abused, etc.) replacement of a debit card. This charge will be automatically debited from the transaction account linked to your card. Fees are assessed for wire transfer. Other fees may be implemented as appropriate. Please refer to our services and fee schedule for current fees and charges.
You will receive a monthly statement on your checking account. If you have debit activity or preauthorized transfer, to or from your account, you will also receive a monthly statement. If you have a debit card or a preauthorized payment and no monthly activity you will receive an account statement quarterly. You will receive a monthly statement on your savings account quarterly. You will receive a monthly statement on your savings account if your use your debit card. If you use your debit card you will also receive a receipt at the electronic terminal. In any case, you will receive the statement at least quarterly.
Electronic Funds Agreement
In this agreement, the words “you” and “your” mean the accountholder or holders. The words “we”, “our” and/or “HSCU” mean the issuer, Health Systems Credit Union.
As an accountholder you agree to follow the terms and conditions of this agreement, as amended from time to time if:
HSCU can amend this agreement at any time. If the law requires us to notify you in a certain way, we will do so.
If you use an automated teller machine (ATM) that is not operated by us, you may be charged a fee by the operator of the machine and/or by an automated transfer network.
North Knoxville Medical Center
7565 Dannaher Dr.
Powell, TN  37849
Monday thru Friday
9:00 am - 3:00 pm
closed for lunch 10:45 am - 11:15 am
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 HSU, the available balance in your account is not sufficient to make the transfer per our depositor agreement.
·If the ATM where you are making the transfer does not have enough cash or is otherwise temporarily closed for service.
·If the terminal was not working properly and you knew about the breakdown when your started the transfer.
·If circumstances beyond our control prevent the transfer, despite reasonable precautions that we have taken.
·If there are funds in your account subject to legal process or lien.
·If there has been incomplete or inaccurate information forwarded by the third party payor or payee.
·If your account has been blocked due to a reported lost or stolen debit card.
·If your account has been closed.
·Where it is necessary for completing transfers
·In order to verify the existence and condition of your account for a third party such as a credit bureau or merchant.
·In order to comply with government agency, court orders or credit union regulatory agencies requests.
We will disclose information to third parties about your account or the transfers you make under the following circumstances:
If you have questions about your electronic transaction or believe there has been an error please call HSCU at 865-859-7008 or write to: Health Systems Credit Union / 7565 Dannaher Dr./ Powell, TN  37849 
Let us know at once if you believe your statement or receipt is in error or if your need additional information about a transaction shown on the statement or receipt. However, we must hear from you no later than 60 days after we send you 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
·Tell us the dollar amount of the suspected error.
If you tell us verbally, we may require that you send us your complaint or question in writing within 10 business days. We will tell you the results of our investigation within 10 days after we hear from you and will correct any error promptly. However, if we need more time we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will re-credit your account within 10 business days for the amount you think is in error, or, if the error involves a point of sale with a debit card or a transaction outside the U.S. we will re-credit your account within 20 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 10 business days, we may not re-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.
If you have arranged to have direct electronic deposits made to your account(s) at least once every 60 days from the same person or company, you can call HSCU to find out if the deposit has been made or you may sign up to use our web banking product available at www.healthsystemscu.com  and check your balance online. HSCU may defer posting deposit credits received after 2:00 PM until the next business day. ACH payments are provisionally credited until HSCU actually receives payment.
Electronic payments and transfers from your share (savings) accounts are limited to a maximum of six (6) per calendar month. These transfers include preauthorized, automatic (such as overdraft protection transfers), or telephone transfers. If you violate these transfer limitations, we may, in our sole discretion, do one of the following:
You can instruct a merchant to use your personal check to initiate a one-time electronic debit from your account
·Prevent payment of automatic electronic or other transfers which exceed these limitations
·Close the account.
·Restrict or remove your capability to make or authorize automatic electronic or other transfers from your account.
Electronic payments and transfers from your share draft (checking) accounts are not limited.
·24-hour teller limits: our standard daily withdrawal limit through the ATM system is $200 per business day or your account balance, whichever is less.
·Debit card limits: there is no limit to the number of times you may use your debit card. The limitation on the amount is the collected balance of your primary selected account, which is normally your share draft (checking) account up to a maximum of $1,000 per day or other daily limit cap designated as a result of your past credit history.
NOTE: We have the right to return any share draft (check) or other item drawn against your account to ensure that funds are collected on items presented for payment by the use of the HSCU debit card.
If you have arranged in advance to make electronic fund transfers out of your account(s) for money you owe others, you may stop payment on preauthorized transfers from your account. You must notify us orally or in writing at any time, during business hours, up to three (3) business days before the scheduled date of the transfer. We may require written confirmation using the “stop payment request order” available at HSCU of the stop payment order to be made within 14 days of any oral notification. If we do not receive the written confirmation, the oral stop payment shall cease to be binding 14 days after it has been made. A stop payment request may apply to a single transfer, or all future transfers as directed by you, and will remain in effect unless you withdraw your request or all transfers subject to the request have been returned.
There is a stop payment fee (refer to separate fee schedule for amount) for each withdrawal that attempts to clear your account. A stop payment request will stop only that particular payment from being made. If you wish to stop recurring preauthorized electronic fund transfers, such requests will apply to all subsequent transfers unless you withdraw the request. If you order us to stop any electronic payment three (3) business days or more before the electronic payment is scheduled to be made, and we do not do so, we will be liable for your losses or damages. Contact information may be found at the end of this notice.
Preauthorized EFTs and Stopping Payment
If a regular electronic payment varies in amount, the person or company to be paid will tell you ten (10) days before each payment when it will be and/or how much it will be. You may choose instead to receive this notice only when the electronic payment will differ by more than a certain amount from the previous payment, or when the amount will fall outside certain limits which you set.
We will pay overdrafts for debit card purchases you make at a store, online, or by telephone or for ATM withdrawals unless you tell us you want you want overdraft coverage for these transactions. Even if you do not request overdraft coverage for ATM withdrawals and debit card purchases, we may still pay your overdrafts for other types of transactions, including checks. Having overdraft coverage does not guarantee that we will pay your overdrafts. If we decide to pay an overdraft, you will be charged fees as described in the HSCU Fee Schedule (available at the credit union office). Overdraft coverage differs from other overdraft services we offer, such as linking your account to another account with us or an overdraft line of credit. Contact us if you want overdraft coverage to apply to your ATM withdrawals and debit card purchases. You have an ongoing right to revoke consent.
We offer other ways of covering your overdrafts that may be less expensive, such as linking your account to another account with us or an overdraft line of credit. Contact us to learn more about these options or to learn if you are already using these options. If the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement.
If Online Banking is activated for your account(s), you will be required to use secure login information to access the account(s). At the present time, you may use Online Banking to:
·Withdraw funds from your share and share draft accounts.
·Transfer funds from your share and share draft accounts.
·Obtain balance information for your share and share draft accounts.
·Make loan payments from your share and share draft accounts.
·Determine if a particular item has cleared.
·Obtain tax information on amounts earned on share and share draft accounts or interest paid on loan accounts.
·Verify the last date and amount of your payroll deposit.
Online Banking
You are required to inform us of any unauthorized electronic funds transfer within sixty (60) days of receiving your statement. If we are not notified and we can prove that notification within sixty (60) days would have prevented further losses, you as the account holder may be responsible for the amount (unlimited) of any unauthorized transfers made after the sixty (60) days. If a good reason (such as an extended trip or a hospital stay) keeps you from notifying us, we will extend the period to a reasonable time. An unauthorized transfer does not include a transfer made by a person you voluntarily gave your debit card and PIN (Personal Identification Number or secret number) to, even if that person doesn’t follow your instructions. If you furnish your debit card and PIN to another person, you will be liable for all transactions made by that person through use of the card prior to the time you notify us that transactions by that person are no longer authorized.
Any Member Service Representative
Health Systems Credit Union
7565 Dannaher Dr.
Powell, TN 37849
Phone: 865-859-7008