Products & Services

Take home our services in
two convenient carrying cases.
Apply Now!

Two cards for your busy lifestyle
We've put some of our most popular services into the palm of your hand. Our Instant Cash and Check Card give you a faster, more economical, more convenient way to buy the products and se rives you need. That's because it allows you to withdraw funds from your checking and savings account without ever having to write out a check. So, you can purchase groceries, gas, or anything else wherever VISA is accepted. Then, our ATM card allows you to withdraw or transfer funds anytime of the day, without coming to Med Park Credit Union. It's like having your own personal teller whenever you need one.

Fast and one-step easy
Forget having to round up your checkbook, a pen, and two forms of identification. With Instant Cash and Check Card, every purchase is as simple as using a credit card. And, there's no need to drive across town to get cash or transfer funds form one account to another. Your card can be used at any number of machines. There's probably one close to where you work or shop. So, you can take care of your financial business without taking a lot of time.

Worry free when you're out of town
No need to worry about getting your checks cashed out of town. Because Instant Cash and Check Card is accepted wherever VISA is, you'll be welcomed like a local every place you travel.

Economical and ecological
Eliminate the need to purchase checks (and the risk of running out when you're at the checkout). Instant Cash and Check Card saves money in check printing fees while it saves valuable resources.

Safeguard if lost of stolen
When you receive your ATM card or Instant Cash and Check Card, you'll also be assigned a personal identification number (PIN). This is added security against someone making transactions without your consent. And, as an added safeguard, we provide a cap on your liability if your card is lost or stolen. See you disclosure for details.

ATM Machines
ATM machines that are free to our members and won't charge any fees for using them.

Members can also use the following ones in Grand Forks at no charge:

• Citizens Community Credit Union - 1215 42nd St N
• Burlington Northern Credit Union - 3030 Demers Ave.
• Wells Fargo - 2610 S. Columbia Rd. and 33 S. 3rd St.

Our members can also use ATM's at any Wells Fargo nationwide for free.

Find an ATM near you >>>

 

Apply for yours today
Start enjoying our services with one of our two convenient cards today. To apply, complete the application and mail or deliver it to the address shown on the application. You can expect your card to arrive within 10 days of your approval. Your PIN will be sent to you in a separate mailing. If you prefer to choose your own personal PIN, contact Med Park Credit Union at 701-780-5733. Before you know it, you'll be experiencing all the benefits of checkless checking or your own personal teller in one of two simple cards.

VISA is a registered trademark of VISA International Services Association.

---

Download the Application

---

^ back to top

Electronic Fund Transfers
Your Rights and Responsibilities

Indicated below are types of Electronic Transfers we are capable of handling, some of which may not apply to your account. Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed.

ATM Transfers - types of transfers and dollar limitations - You may access your account(s) by ATM using your ATM card and personal identification number or Instant Cash and Check Card, to:

• get cash withdrawals from checking and savings account(s) with an ATM card
  • the dollar limit will be disclosed in writing at account opening
• get cash withdrawals from checking and savings account(s) with a debit card
  • the dollar limit will be disclosed in writing at account opening
• transfer funds from savings to checking account(s) with an ATM card and debit card
• transfer funds from checking to savings account(s) with an ATM card and debit card
• get information about
  • the account balance of your checking accounts
    • with an ATM card
    • with a debit card
  • the account balance of your savings accounts
    • with an ATM card
    • with a debit card

Some of these services may not be available at all terminals.

Please also see Limitations on frequency of transfers section regarding limitations that apply to ATM transfers.

Types of Instant Cash and Check Card Point-of-Sale Transactions - You may access your checking or savings account(s) to purchase goods (in person or by phone), pay for services (in person or by phone), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that can be done with a credit card (that a participating merchant will accept with a credit card).

Point-of-Sale Transactions - dollar limitations - Using your card:

• you may not exceed $500.00 in transactions per day.

Please also see Limitations on frequency of transfers section regarding limitations that apply to debit card transactions.

Currency Conversion. When you use your Instant Cash or Check 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 wholesale market rate or the government mandated rate in effect that day before the processing date, increased by 1%. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date.

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 outline merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located.

Please see you cardholder agreement for additional information relating to the use of the ATM Card and Instant Cash and Check Card.

Limitations on frequency of transfers. In addition to those limitations on transfers elsewhere described, if any, the following limitations apply:

• During any statement period, you may not make more than six withdrawals or transfers from a Savings account to another credit union account of your or to third party by means of a preauthorized or automatic transfer to telephonic order of instruction. No more than three of the six transfers may be make by check, draft, debit card (if applicable), or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the credit union.

Fees

• We will charge you $5.00 to replace a lost ATM card.

ATM Operator/Network Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

Documentation

• Terminal transfers. You can get a receipt at the time you make any transfer to or from your account using one of our automated teller machines or point-of-sale terminals.
• Periodic statements. You will get a monthly account statement from us for you checking accounts. You will get a monthly account statement from us for you savings accounts, unless there are no transfers in a particular month. In any case, you will get a statement at least quarterly.

Financial Institution's Liability

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. We will not be liable, for instance:

1. If, through, no fault of ours, you do not have enough money in your account to make the transfer.
2. If you have an overdraft line and the transfer would go over the credit limit.
3. If the automated teller machine where you are making the transfer does not have enough cash.
4. If the terminal or system was not working properly and you know about the breakdown when you started the transfer.
5. If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
6. There are may be other exceptions stated in our agreement with you.

Confidentiality

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

1. where is it necessary for completing transfers; or
2. in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or
3. in order to comply with government agency or court orders; or
4. if you give us written permission.

Unauthorized Transfers

(a) Consumer Liability
Generally. Tell us AT ONCE if you believe your card and/or code has been lost or stolen. 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 you tell us within 2 business days, can can lose no more than $50 if someone used your card and/or code without your permission. (If you believe your card and/or code has been lost or stolen, and you tell us within 2 business days after you learn of the loss or theft, you can lose no more than $50 if someone used your card and/or code without your permission.)

If you do NOT tell us within 2 business days after you learn of the loss or theft of your card and/or code, and we can prove we could have stopped someone form using your card and/or code 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 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.

If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

Additional Limit on Liability for Instant Cash and Check Card. Unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen Instant Cash and Debit Card. This additional limit on liability does not apply to ATM transactions, to transactions using your Personal Identification Number which are not processed by VISA, or to commercial cards.

(b) Contact in event of unauthorized transfer. If you believe your card and/or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call 701-780-5733 (during business hours) or 800-535-8440 (after business hours).

Error Resolution Notice

In Case of Errors or Questions About Your Electronic Transfers, Call 701-780-5733 (during business hours) or 800-535-8440 (after business hours), as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

1. Tell us your name and account number (if any).
2. 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.
3. Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.

We will determine whether an error occurred within 10 business days (5 business days for Instant Cash and Check Card point-of-sale transactions and 20 business days if the transfer involved a new account) 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 new account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (5 business days for Instant Cash and Check Card point-of-sale transactions and 20 business days if the transfer involved a new account) 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 credit your account. Your account is considered a new account for the first 30 days after the first deposit is make, unless each of you already has an established account with us before this account is opened.

We will tell you the results within three business days after 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.

^ back to top