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Terms & Conditions
For Your First National Bank of Illinois Family Card
These are your First National Bank of Illinois Family® Card Terms and Conditions. Please read them carefully and keep them for your records. Please sign your Card immediately. By accepting and using your Card you agree to be bound by these Terms and Conditions of your First National Bank of Illinois Family ® Card or "Card". The privilege to use this card and/or the terms may change at any time. "You" and "Your" means the person who has received the Card account. "We", "Us", and "Our" means First National Bank of Illinois. Business days are Monday through Friday (holidays excluded) and phone access is 24 hours a day, 7 days a week.
The Card is a prepaid card product that can be used at retail establishments, and financial institutions that have agreed to accept Visa® debit cards. We hold the value of all Cards in an aggregate account and there is no F.D.I.C. insurance to your benefit. The Card is not a credit card. 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 1-866-469-8579. This number is available 24 hours a day 7 days a week. OR report the card lost or stolen at the cardholder website:
OR write us at:
First National Bank of Illinois
280 Veterans Pkwy
New Lenox, IL 60451
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 FUNDING, ACTIVATION, TYPES OF AVAILABLE TRANSFERS AND LIMITS ON TRANSFERS.
Card Funding. One of two methods of funding may have been selected by the Sponsor of your First National Bank of Illinois Family® Card that may affect the availability of funds.
Account to Card funding provides availability to the receiving card on the 4th business day. The funding account must be a First National Bank of Illinois checking or savings account.
Card Activation and PIN.
To activate your card, call the toll free Customer Service number at 708-474-1300. Your initial Personal Identification Number (PIN) will be the last 4 digits of your Social Security Number. During the activation process you will be prompted to change your Personal Identification Number (PIN) to a new 4-digit number.
You may use your Card to purchase goods and services at merchants that have agreed to accept the Card and that are equipped with a point-of-sale terminal that can process Visa, AllPoint, or SUM AND MONEY PASS 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.
You are permitted to use the Card to receive cash at financial institution offices that accept Visa debit cards 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 10, Schedule of Fees and Charges, below.
Daily Limitations on Frequency of Point-of-Sale and Cash Transactions.
Refer to Section 10 for transaction usage.
Conversion to U.S. Dollars.
Transactions made in currencies other than U.S. Dollars will be converted to U.S. Dollars under regulations established by Visa and may include a margin and/or fees charged directly by Visa. Conversion to U.S. Dollars may occur on a date other than the date of the transaction; therefore, the conversion rate may be different from the rate in effect at the time of the transaction. You agree to pay the converted amount. For these transactions, the rate of exchange between the transaction currency and the billable currency is either a wholesale market rate or the government-mandated rate in effect one day prior to Visa International processing date, increased by 1%.
It is important to track the balance remaining on the card. You may obtain information about the amount of money you have remaining on your card by calling 1-866-469-8579.
Card transactions involving illegal activities are prohibited.
Section 3. YOUR LIABILITY FOR A LOST CARD OR UNAUTHORIZED TRANSFERS
Under the First National Bank of Illinois 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.
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
There is no monthly maintenance charge for your Card as long as your card is active. If the card is inactive for 6 months there will be an inactivity fee. A monthly inactivity fee of $3.00 will be assessed against the card balance after six months of inactivity. All charges are set forth in Section 10, 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 First National Bank of Illinois Family® Card. If a balance remains on the card at the expiration date another card will be issued and mailed directly to you. OR you may stop by a branch of the Bank to obtain the funds. NOTE: A monthly maintenance fee of $3.00 will be assessed against the card balance after six months of inactivity. When your card has expired, it will no longer be accepted as a form of payment.
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.
Section 7. BANK'S LIABILITY FOR FAILURE TO MAKE TRANSFERS
If we do not complete a transaction arising 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:
Section 8. ERROR RESOLUTION PROCEDURES
In case of errors or questions about transactions arising from the use of your Card: Contact Customer Service at 708-474-1300 OR write us at: First National Bank of Illinois 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:
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. 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 State of Illinois. A determination that any part of these Terms and Conditions is invalid or unenforceable will not affect the remainder.
SECTION 10. SCHEDULE OF FEES AND CHARGES AND TRANSACTION LIMITATIONS
$5.00 for each Cash Transaction
Monthly Card Inactivity Fee
$3.00 per month beginning the seventh month after non-usage of the Card
Replace / Re-Issue Fee
Max. Balance per card
ATM Withdrawal Limits
4 transactions totaling $500 per day
PINed POS Purchase Limits
10 transactions totaling $500 per day
Cash Advances Limits
2 transactions totaling $500 per day
Daily Signature Purchase Limits
Unlimited transactions totaling $1000 per day
Charges and fees that are imposed on the card may consume the balance before the expiration date.
Other fees may apply and will be disclosed when service is provided.