(903)794-8216

Big enough to serve you, small enough to know you

Debit Card Agreement and Disclosure Statement


The following information concerns the use of electronic funds transfer services as required by Regulation E. We are pleased to tell you about the rights and responsibilities associated with Electronic Funds Transfer (EFT) transactions. Some of the wording we use in this agreement and some of the terms we must abide by are dictated by the federal law.

Stay Connected to your Money 24-Hours a Day


Carrying a VISA Check Card from Texarkana Terminal Employees Federal Credit Union gives you convenience of having access to your money 24 hours a day. Plus, you can pay for your purchases at a Point of Sale Machine (POS) from over 11 million merchants worldwide that accept VISA. Is it more convenient than writing a check and safer than carrying cash.

Enjoy These Benefits:
  • No Annual Fee
  • No Monthly Charge
  • FREE Transactions at designated machines
  • Get cash back when you make purchases at participating merchants
  • Use your card at over 56,000 PULSE ATMs in the U.S. and around the world
  • Save the time and trouble of writing checks
  • Welcomed everywhere VISA is accepted
  • Carry less cash, write fewer checks, and save money on check printing
When using a ATM/Debit Card, simply insert your VISA Check Card into the machine, key in your Personal Identification Number (PIN), then follow the step-by-step instructions that appear on the screen.

When using a POS machine at a merchant, just swipe your VISA Check Card through the terminal. If you select the “credit” option, you will be asked to sign the receipt. The withdrawal will clear your checking account as a Merchant Sales Draft usually within three business days. If you select the “Debit” option, you will need to key in your PIN number. The transaction will clear your checking account immediately, like an ATM withdrawal.

You can also use your VISA Check Card to pay for your purchases at restaurants, gas stations, department stores – anywhere you the see the VISA logo. Your payment will clear your checking account as if you had selected the “Credit” option.

REMEMBER TO RECORD EACH PURCHASE AND WITHDRAWAL IN YOUR CHECK REGISTER TO HELP YOU KEEP TRACK OF YOUR BALANCES BETWEEN MONTHLY STATEMENTS.

Cardholder Agreement and Disclosure Statement


The Cardholder Agreement and Disclosure Statement (Agreement) governs the use of the Texarkana Terminal Employees Federal Credit Union (TTEFCU) VISA Check Card. By using the Card, you (the cardholder) agree to comply with the terms and conditions of this Agreement and any changes made by TTEFCU or its regulatory authorities. If you do not agree to the agreement, you must notify us and return the Card.
  1. Security of the Card and PIN. TTEFCU has issued the card for your use only. Do not allow anyone else to use or have access to the card and/or Personal Identification Number (PIN). Keep the PIN confidential and do not keep it with the card or write it on the card or card sleeve or where it may be available to others. You are responsible and liable for all authorized transaction made with the card. Use of the card by you or anyone for your benefit or with a actual, implied, or apparent authority is considered an authorized user.
  2. PIN Numbers: You will be assigned a computer-generated PIN.
  3. Charges for and Types of Transactions: With this card, you authorize us to: Withdraw funds from your primary checking account, Withdraw funds from any of your primary accounts for purchases made at any VISA participating merchants, Withdraw funds from any of your primary accounts for transactions made through any VISA ATM Network.

    ** No Deposits are allowed at ATM machines
    ** Funds subject to verification and Funds availability (Regulation CC)

    Transactions can be made 24 hours a day, with no limit on the number of transactions you perform, as long as you do not overdraw any of your accounts. Any overdraft or insufficient funds resulting from the use of the Card will be subject to TTEFCU’s normal charges and policies, including but not limited to, NSF check and debit fees and overdraft fees. You authorize us to debit any account you have or on which you are joint owner at TTEFCU for funds obtained by authorized use of the Card or for any charges incurred by authorized use of the Card. You must continuously maintain your accounts and membership in good standing with us and immediately deposit funds to correct any overdraft amount. Fees may be charged on transactions at any ATM or POS machine. The charges relating to usage of the card are shown in the current fee schedule.
  4. Accessible Accounts, The Card will access your checking accounts with TTEFCU.
  5. Stop Payment and Waiver. You waive the right to stop payment on any draft issued against the account which has been properly guaranteed. 6.Returns and Merchant Disputes. Merchants and others who honor the card may give credit for returns or adjustments. This is done by initiating a credit which will be posted to your account. TTEFCU is not responsible for the refusal or inability of any merchant or financial institution to honor the Card or for their retention of the card.
  6. Foreign Transactions. Transactions that are initiated in foreign countries and foreign currencies will be charged to your account in US dollars. The conversion rate will be made in accordance with the operating regulations for international transactions published by VISA International, Inc. through whose facilities such transactions are handled.
  7. Address Change. You must immediately notify TTEFCU of any change in your address. You may do this in writing or in person. All mail sent to your last known address will be considered received.
  8. Ownership of the Card. All TTEFCU Cards are the property of this credit union and must be returned upon request. Use of the Card constitutes acceptance of the terms and conditions of the Cardholder Agreement at the time of acceptance as amended. For security reasons, we reserve the right to revoke your authority to use the Card at any time and after the accounts that the Card accesses are closed.
  9. Failure to Make Authorized Transactions. If we do not properly complete transactions to or from your account as directed, we will be liable for your reasonable losses or damages. However, there are some exceptions. We will not be liable if, for instance, (1) through no fault of ours, your account does not contain enough available funds to complete the transfer, (2) your account if frozen due to a court order or similar reason, (3) the transfer would exceed the credit limit on your line of credit loan, (4) any of your loan accounts are delinquent, (5) the ATM where you are making the transaction does not have enough cash, (6) the electronic funds transfer (EFT) system is not working properly, and you know this at the time of the transaction, (7) you give the ATM/POS improper instructions, (8) circumstances beyond our control (such as fire, flood, or mechanical malfunction) prevent the transaction, (9) your account is dormant, or (10) the Card or PIN have been reported as lost or stolen, or we suspect fraud or misuse. There may be other exceptions.
  10. Account Information Disclosure. We will not disclose information to third parties about your accounts or the transactions you make except (1) when necessary to complete the transaction, (2) to comply with a court order, (3) to verify the existence of your membership/account, or (4) if you give us your permission.
  11. Statement. You will get a receipt from the Automated Teller Machine (ATM), merchant, or Point of Sale (POS) Terminal at the time your make a transaction. You will also receive a monthly statement detailing the EFT activity in your account.
  12. Membership Liability for Unauthorized Card Usage. Contact us immediately if you have reason to believe (1) the Card has been lost or stolen, or (2) the PIN has been lost or stolen or (3) an unauthorized transaction occurred on your account. Inform us at once if your account statement shows transactions that you did not make with the card. If you do not inform us within 60 days after the statement is mailed to you, you may not get back any money you lost if we can prove that your contacting us would have prevented the loss. (A) VISA Check Card Liability Limitations: You can lose no more than $50.00 if someone uses your card without your permission and you inform us within 2 business days after learning of the loss or theft. You could lose as much as $500 if someone uses your card without your permission and you do not tell us within 2 business days after learning of the loss or theft and we can prove that your contacting us could have prevented the loss.
  13. VISA Check Card Restrictions. You may not use your VISA Check Card for any illegal purpose or transaction. TTEFCU may refuse to authorize any transaction that TTEFCU believes to be illegal or that poses an undue risk of illegality. You agree that any illegal use of your VISA Check Card will be deemed an act of default under this Agreement. You further agree to waive any right to take legal action against TTEFCU for your illegal use of your VISA Check Card and to indemnify and hold TTEFCU harmless from and against any lawsuit, other legal action or liability that results directly or indirectly from such illegal use.
  14. Telephone Number and Address. You can reach us by telephone at (903) 794-8216 or (800) 226-6949 or write to: Texarkana Terminal Employees Federal Credit Union 3801 Texas Blvd. Texarkana, TX 75503 In your correspondence with us, please include your name, your member number, the account number, the Card number, and a daytime phone number.
  15. Report your lost or stolen Card or PIN to (903) 794-8216.
  16. Business Days. A business day is any day, except Saturdays, Sundays, or Federal Holidays.
  17. Changes in Terms and Conditions. TTEFCU may amend, modify, or restrict this Agreement at anytime upon taking one or both of the following step: Mailing a written notice of such amendment, modification, or revision to your last known address as shown on our records at least 21 days prior to the effective date of any such change. TTEFCU may also terminate the Agreement at anytime without notice in the event that your account is closed or overdrawn or if you are not in good standing with us.

In case of errors or questions about your electronic transfers:


Please phone us at 903-794-8216 or 800-226-6949, or write to:

Texarkana Terminal Employees Federal Credit Union
3801 Texas Blvd.
Texarkana, TX 75503

As soon as you can if you think your statement or receipt is incorrect or you need more information about a transaction on the statement or receipt. We must hear from your no later than 60 days after we sent you the first statement on which the error or problem appeared.

(1)Tell us your name, your member number, the account affected, and the card number
(2)Describe the suspected error or the transaction you are unsure about and explain as clearly as possible why you believe that there 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 tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need more time, we may take up to 45 business days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have use of the money during the time it takes us to complete the investigations. 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. If we decide that there was no error, we will send you a written explanation within 3 days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.

ATM Locations


You may use your TTEFCU debit card at any Red River Federal Credit Union ATM machine for no charge.

Texarkana Locations:
4405 Summerhill Rd.
4401 Texas Blvd.
4714 W. 7th Street
2931 Richmond Rd.
3907 Jefferson Ave.
Hwy 59 & Kings Hwy
Inside St. Michael’s Hospital
Inside Central Mall
Atlanta Location:
209 W. Main Street
New Boston Location:
128 North Ellis
Clarksville Location:
1502 West Main
Hope Location:
1513 Wal-Mart Drive

To report a lost or stolen debit card, call: 903-794-8216 or 800-226-6949.
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