Family Card - Terms and Conditions

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MyFamilyCard™
from Old Plank Trail Community Bank, N.A.

Terms & Conditions

IMPORTANT INFORMATION ABOUT THE MYFAMILYCARD™

These are the MyFamilyCard™ ("Card") Terms and Conditions. Please read them carefully and keep them for your records.

The USA PATRIOT Act is a federal law that requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Card account. What this means for you: when you open a Card account, we will ask you for your name, address, date of birth, and other information that will allow us to reasonably identify you. We may also ask to see your driver's license or other identifying documents at any time.

You must be at least 18 years of age to purchase and register the Card (Sponsor), and you may only authorize someone who is 13 years of age or older to use the Card (Cardholder). Anyone you authorize to use the Card shall also be subject to these Terms and Conditions. By purchasing, signing or using the Card, or by allowing someone else to do so, you agree to these Terms and Conditions on behalf of yourself and any other person authorized by you to use the Card.

Please sign your Card immediately. The privilege to use this Card and/or the terms may change at any time. "You" and "Your" means both the person who has purchased the Card (Sponsor) and the person authorized to use the Card (Cardholder). "We", "Us", and "Our" refer to Old Plank Trail Community Bank, N.A., the issuer of the Card. Business days are Monday through Friday (holidays excluded) and web site/phone access is 24 hours a day, 7 days a week.

The Card is a reloadable general-use prepaid payment device which must have funds loaded to it before it can be used. The Card can be used at retail establishments and financial institutions that have agreed to accept MasterCard. The Card is not a gift card, credit card or charge card and does not constitute a checking, savings or other demand deposit account. The Card may only be used for personal, family or household purposes. You agree to use the Card only for lawful purposes and you cannot use your Card for online gambling or any illegal transactions. The Card will remain our property and must be surrendered upon demand. The Card is nontransferable, and may be canceled, repossessed, or revoked without prior notice subject to applicable law. When you use the Card, the amount available on the Card will be reduced by the amount of the cash withdrawal or purchase until it reaches zero. In any case, where you are given value through the use of the Card greater than the remaining balance, you will pay us on demand the amount by which your transactions exceeded the balance. The Card is re-loadable.

Section 1. TELEPHONE NUMBER AND ADDRESS TO BE NOTIFIED IN EVENT OF A LOST CARD OR UNAUTHORIZED TRANSFER Immediately call Customer Service toll free at 800-665-8709. This number is available 24 hours a day, 7 days a week.

OR report the Card lost or stolen at the Cardholder website. The web site is available 24 hours a day, 7 days a week: https://www.familyprepaiddebit.com/familycard/oldplankfamcard/login

OR write us at:
Old Plank Trail Community Bank, N.A.
280 Veterans Pkwy.
New Lenox, IL 60451

Replacement Card: Both the Sponsor and the Cardholder may report the Card as Lost or Stolen, however only the Sponsor may order a replacement Card. You will need to provide your name, address, Social Security Number, date of birth and the billing address if it is different than the mailing address.

Section 2. CARD LOADING/FUNDING, ACTIVATION, TYPES OF AVAILABLE TRANSFERS AND LIMITS ON TRANSFERS

Card Loading/Funding.


Initial Loading/Funding:

A minimum of $20.00 is required for the initial Card load. The initial loading of the Card may only be performed by the Card Sponsor.

There are two methods of loading/funding your Card that may be selected by the Card Sponsor:

  • Card to Card Transfer: transfer from another ATM or Debit Card. The ATM or Debit Card must be issued by Old Plank Trail Community Bank, N.A. and reside in an active status on our card base system. Funds will be available immediately.
  • Account to Card Transfer: transfer from a deposit account at any Financial Institution. The Bank ABA and account numbers are required in order to transfer funds from another Financial Institution. Funds will be available on the 4th business day after the transfer.

The Sponsor will use the following site to load/fund the Card

https://www.familyprepaiddebit.com/familycard/oldplankfamcard/login

Card Activation.

The Card will be mailed directly to the Cardholder (designated by the Sponsor).

To activate the Card, you will need to call the toll free Customer Service number at 800-665-8709 and use the last four digits of the Cardholder's Social Security Number as the initial PIN. The Cardholder will then be prompted to change the PIN.

Do not write or keep your PIN with your Card. If you believe your PIN has been compromised, or you otherwise need to request a change in your PIN, please contact Old Plank Trail Community Bank, N.A.

Point-of-Sale Transactions (Including Automated Teller Machines).
You may use your Card to purchase goods and services and obtain cash back at merchants that have agreed to accept the Card and that are equipped with a point-of-sale terminal that can process MasterCard, Cirrus, Maestro, NYCE, MoneyPass, SUM, and Allpoint transactions. If you use your Card to make a purchase greater than the remaining balance, you must tell the merchant the balance of the Card before completing the transaction. The merchant will require payment for the excess by cash or credit.

For ATM Transactions.
To get cash, use the "withdrawal from checking" option at a participating ATM. Subject to the amount of Available Balance on your Card, you may use the Card to obtain cash per the limits prescribed in Section 11. See below. Acceptance within ATM Networks may change at any time. Use of the Card at ATMs is subject to all applicable fees, surcharges, rules and customs of any clearinghouse, ATM network, or other institution or association involved with the transaction.

There is no additional surcharge if you use an ATM in the MoneyPass, SUM, and Allpoint networks or at any ATM owned and operated by the Wintrust Family of banks. We will not charge a fee for ATM transactions performed at ATMs we do not own or operate OR that are not part of the MoneyPass, SUM, and Allpoint networks.

Cash Advance Transactions.
You are permitted to use the Card to receive cash at financial institution offices that accept MasterCard for Cash Advance transactions. Each Cash Transaction described in this Section 2 (or attempted Cash Transaction) is subject to the Cash Advance fee provided in Section 11, Schedule of Fees and Charges, below.

Internet, Phone, Mail Order.
You may use the Card to make a purchase over the internet, phone or by mail-order. Make sure the Card is registered with your current address to avoid any unnecessary declines.

Authorization Holds.
When you use your Card to pay for goods or services, certain merchants may ask us to authorize the transaction in advance and may estimate its final value. When we authorize the transaction, we commit to make the requested funds available when the transaction finally settles, which may place a temporary hold on your Card for the authorized amount indicated by the merchant. At certain merchants, typically but not limited to restaurants, bars, barber or beauty shops, taxis or limos, the authorization may include an additional dollar amount (typically 20%) to ensure that sufficient funds will be available to cover the final transaction. If the amount of the authorization request exceeds the value on your Card, the transaction may be declined. Transactions at certain merchants that authorize high dollar amounts, typically but not limited to rental car companies and hotels, may cause an "authorization" or a "hold" on your Available Balance. Until the transaction finally settles or we determine that it is unlikely to be processed, the funds subject to the hold will not be available to you for other purposes. We will only charge your Card for the correct amount of the final transaction, however, and we will release any excess amount when the transaction finally settles. If you commence a purchase and the merchant obtains an authorization, and then you cancel the purchase without completing it, the authorization may result in a temporary hold for that amount of funds for 3 days. To avoid a declined purchase, or incurring a hold greater than your actual purchase, gas purchases must be completed at the cashier instead of using the "Pay at the Pump" feature. Tell the cashier to charge an amount equal to, or less than, the Available Balance on the Card.

Daily Limitations on Frequency of Point-of-Sale and Cash Transactions.
Refer to Section 11 for transaction usage.

International Transaction Fee.
CURRENCY CONVERSION MasterCard. If you perform transactions with your Card with the MasterCard logo in a currency other than US dollars, MasterCard will convert the charge into a US dollar amount. At MasterCard, they use a currency conversion procedure, which is disclosed to institutions that issue MasterCard. Currently the currency conversion rate used by MasterCard to determine the transaction amount in US dollars for such transactions is generally either a government mandated rate or wholesale rate, determined by MasterCard for the processing cycle in which the transaction is processed, increased by an adjustment factor established from time to time by MasterCard. The currency conversion rate used by MasterCard on the processing date may differ from the rate that would have been used on the purchase date or the Cardholder statement posting date. You agree to pay the converted amount. In addition, for each transaction made in a country other than the US or US Territories, you will be assessed a charge by us equal to 1.10% of the US dollar amount of the transaction.

Split Purchases.
If permitted by the merchant, you may be able to use your Card to make a purchase that exceeds your Available Balance by using your Card and another form of payment, such as cash, check or other payment card, for the remaining amount of the purchase price. You will need to know the precise amount of your Card balance if the merchant allows so-called split tender or split purchases. Many merchants do not permit these types of purchases and we do not guarantee that you will be able to use your Card in this manner.

Returns and Refunds.
If you have a problem with merchandise or services purchased with a Card, that problem needs to be resolved with the merchant at whose establishment the transaction was made. Exchange or return of merchandise purchased in whole or in part with the Card will be governed by the procedures and policies of each merchant and applicable law. At the time of any exchange or return, you should present both the merchandise receipt and the Card. If you are entitled to a refund for goods or services obtained with your Card, you agree to accept credits to your Card for such refunds.

Card Balance.
It is important to track the balance remaining on the Card. You agree not to use your Card to make purchases that exceed your Available Balance and you understand that such purchases will ordinarily be declined; however, you agree to pay us promptly if the balance on your Card becomes negative in value. You authorize us to use the money from any subsequent reloads to your Card to pay any negative balance. You can check your balance 24 hours a day, 7 days a week by calling 800-665-8709 or visiting https://www.familyprepaiddebit.com/familycard/oldplankfamcard/login.

Section 3. YOUR LIABILITY FOR A LOST CARD OR UNAUTHORIZED TRANSFERS
Under Our liability policy, you may incur no liability for unauthorized use of your Card provided that you notify us within a reasonable time after learning of the loss or theft of your Card. This policy is subject to the following conditions:

"Unauthorized Use" Defined.
A transaction is considered "unauthorized" if it is initiated by someone other than you without your actual or apparent authority, and you receive no benefit from the transaction. A transaction is not considered unauthorized if (1) you furnish the Card, Card number or other identifying information to another person and expressly or implicitly give that individual authority to perform one or more transactions, and the person exceeds that authority; or (2) for any other reason, we conclude that the facts and circumstances do not reasonably support a claim of unauthorized use.

"Reasonable Time" Defined.
Reasonable time will be determined in our sole discretion based on the circumstances but will not be later than sixty (60) days from the transaction date.

Other Considerations.
We may deny you the benefit of the policy if (1) we ask you for a written statement, affidavit or other information in support of the claim, and you do not provide it within the time requested or within a reasonable time if no date is stated; or (2) under any other unusual circumstances where we believe denial is appropriate.

Limitation of our Liability.
Our liability under this policy is limited to reimbursing you for the amount of your loss up to the face amount of any unauthorized transaction. We are not liable for any special, indirect or consequential damages.

Section 4. CHARGES
All charges are set forth in Section 11, Schedule of Fees and Charges. Any fees or charges will be charged to your Card.

Section 5. EXPIRATION OF THE CARD
The expiration date is embossed on the front of your MyFamilyCard. If a balance remains on the Card at the expiration date another Card will be issued and mailed directly to you.

Section 6. DISCLOSURE OF INFORMATION TO THIRD PARTIES
Disclosure of information about you and activities relating to your Card may be made to third parties when necessary to complete, process, or investigate transactions, to comply with governmental orders and banking authorities or if you give us permission to do so. For more information about how we use Cardholder information and protect your privacy, please visit privacy.oldplanktrailbank.com.

Section 7. BANK'S LIABILITY FOR FAILURE TO MAKE TRANSFERS
If we do not complete a load to, or a transaction from the use of your Card 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 ours, you do not have enough money on your Card to cover a transaction; or
  • If the terminal or system was not working properly; or
  • If the ATM, bank or merchant where you are trying to obtain cash does not have enough cash; or
  • If your Card or PIN has been reported to be, or suspected of being, lost or stolen, and we have taken action to prevent transactions with your Card or PIN; or
  • If circumstances beyond our control (such as flood or fire) prevent the transaction, despite reasonable precautions that we have taken.

Section 8. ERROR RESOLUTION PROCEDURES
In case of errors or questions about transactions arising from the use of your Card: contact Customer Service at 708-478-4447, or 800-665-8709 OR write us at: 280 Veterans Pkwy., New Lenox, IL 60451 as soon as possible. We must hear from you no later than 60 days after the date of the transaction in question and the following information must be provided:

  • Your name and account number;
  • A description of the error or the transaction you are unsure about, and an explanation as to why you believe it is an error or why you need more information; and
  • The dollar amount of the suspected error.

If you tell us orally, we may require that you send your complaint or question in writing within 10 business days. Generally, 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, however, we may take up to 45 calendar days to investigate your complaint or question. If we decide to do this, we will re-credit your Card within 10 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 Card. If notice of an error involves a transaction not initiated in the United States, the District of Columbia, or the Commonwealth of Puerto Rico; or involves a transaction resulting from a point-of-sale debit transaction; or occurred within 30 days after the Card was issued, the applicable time period for completing an investigation will be 90 calendar days in place of 45 calendar days. A written explanation will be sent to you within 3 business days after the investigation of the alleged error has been completed. You may ask for copies of documents that we used in our investigation.

 

SECTION 9. UNCLAIMED PROPERTY
If we have no record of Card activity for several years, applicable law may require us to report the balance on the Card as unclaimed property. If this occurs, we may try to locate the owner of the Card at the address shown on our records. If we are unable to locate you, we may be required to deliver any value remaining on the Card to the state as unclaimed property.

SECTION 10. GOVERNING LAW/SEVERABILITY
This Agreement will be governed by the laws and regulations of the United States and, to the extent not so covered, by the laws and regulations of the States of Illinois and Wisconsin. A determination that any part of these Terms and Conditions is invalid or unenforceable will not affect the remainder of the agreement.

SECTION 11. SCHEDULE OF FEES AND CHARGES AND TRANSACTION LIMITATIONS

Fees and Charges Amount Description
Card Issuance Fee $5.00 Fee charged at the time a new Card is ordered.
Card Replacement /
Re-Issue Fee
$5.00Fee to issue a new Card to replace a lost or stolen Card.
Monthly Card Inactivity Fee $3.00 per month Beginning on the seventh month after non-usage of the Card.
Cash Advance$5.00 for each
Cash Advance
Fee to access cash from your Card, at any institution that performs cash advances.
Card Load Fee Free No fee for loading the Card.
Online Statements,
Transaction History
Free No fee for accessing your Online Statement and Transaction history.
Email Alerts Free No fee for email alerts.
Foreign ATM
Transaction Fee
Free We do not charge a fee but you may be subject to a fee from the ATM owner/servicer unless it is part of the MoneyPass, SUM or Allpoint network.

 

Card and Transaction Limits Amount Description
Maximum Balance
on Card
$3,000 Maximum Balance on the Card at any point in time.
ATM Withdrawal
Limits
5 transactions /
Total $550 per day
5 ATM withdrawals for a total $ amount of $550.00 per day.
Pinned POS
Purchase Limits
10 transactions /
Total $1,500 per day
10 POS purchases using your PIN for a total $ amount of $1,500.00 per day.
Signature POS
Purchase Limits
10 transactions /
Total $1,500 per day
10 POS purchases using your signature for a total $ amount of $1,500.00 per day.
Cash Advance
Limits
2 transactions /
Total $500 per day
Limit of 2 cash advances per day for a total of $500.
Card to Card Transfer via Third-Party 2 transactions /
Total $500 per day
Limit of 2 Transfers per day for a total of $500.00.
Total Transactions per Day 20 transactions /
Total $3,000 per day
Limit of 20 Transactions per day for a total of $3,000.
Daily Minimum Card Load $20.00 Minimum amount that can be loaded to the Card each day.
Daily Maximum Card Load 2 transactions /
Total $1,500.00
Maximum Daily load limit of 2 transactions totaling $1,500.00.