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Snapshot Debit Card Terms & Conditions

Review the Terms and Conditions for the MIDFLORIDA Snapshot Debit Card.

In this Agreement and Disclosure Statement (Agreement), the words “you” and “your” mean each and all of those who agree to be bound by this Agreement; “Card” means the VISA® debit card and any duplicates, renewals, or substitutions the Credit Union issues to you; “Account” means the checking account designated on the application for membership; “we” or “us” means MIDFLORIDA Credit Union or anyone to whom the Credit Union transfers this Agreement; and “Transaction” means use of the Card or the Account number on the Card, and a Personal Identification Number or Code (PIN) when required, to perform a transaction with the Card.

Issuance of Card
You have requested the issue a Card that can be used to access funds in your Account. A PIN must be used with the Card for transactions that require the use of a PIN. Your PIN number may be selected by you or computer generated. Do not reveal your PIN number to anyone else or write it down where it is available to others.

Responsibility of Transactions
You are responsible for all transactions you make or cause to be made with the Card or that you authorize another person to make with the Card. If the Account is a joint account, all transactions involving the Account are binding on all Account holders. See Liability For Unauthorized Transactions in the Terms and Conditions of Your Account.

Use of the Card
You may use the Card without the PIN to purchase goods or services at places that accept VISA® debit cards (these are Point of Sale or POS transactions). You may use your card to receive cash advances at financial institutions that accept VISA® debit cards. You may use the Card and PIN to withdraw cash from your Account at ATMs. You may also order goods or services by mail, internet, or telephone from places that accept VISA® debit cards. Some of these services may not be available at all locations. For security reasons, there are other limits on the number of transfers you can make by ATM or by debit card. Use of the Card, the Account number on the Card, the PIN, or any combination of the three for payments, purchases, or to obtain cash from merchants, financial institutions, or others who honor VISA® debit cards is an order by you for the withdrawal of the amount of the Transaction from your Account. Each Transaction with the Card will be charged to your Account on the date the Transaction is posted to your Account. We allow transactions through a non-VISA® network (PULSE Network LLC) which may impact your zero-liability coverage. Any future changes to your Account may affect your use of the Card. See the Terms and Conditions of Your Account.

Disclosure Statement
Important disclosures regarding the use of your debit card are contained in the Terms and Conditions of Your Account. You should review the Terms and Conditions of Your Account before using your debit card. The disclosures include:

  1. Liability of consumer. A summary of your liability, under law or agreement, for unauthorized electronic fund transfers.
  2. Telephone number and address. The telephone number and address of the person or office to be notified when you believe that an unauthorized electronic fund transfer has been or may be made.
  3. Business days. The credit union’s business days.
  4. Types of transfers; limitations. The type of electronic fund transfers that you may make and any limitations on the frequency and dollar amount of transfers. 
  5. Fees. Any fees imposed by the credit union for electronic fund transfers or for the right to make transfers.
  6. Documentation. A summary of your right to receipts and periodic statements, and notices regarding preauthorized transfers.
  7. Stop payment. A summary of your right to stop payment of a preauthorized electronic fund transfer and the procedure for placing a stop-payment order.
  8. Liability of institution. A summary of the credit union’s liability to you for failure to make or to stop certain transfers.
  9. Confidentiality. The circumstances under which, in the ordinary course of business, we may provide information concerning your account to third parties.
  10. Error resolution. A notice concerning error resolution.
  11. ATM fees. A notice that a fee may be imposed by an automated teller machine operator when you initiate an electronic fund transfer or make a balance inquiry, and by any network used to complete the transaction.

See the Terms and Conditions of Your Account.

Merchants and others who honor the Card may give credit for returns or adjustments. They will do so by initiating a credit to us, and your Account will be credited. The funds from a return or adjustments may not be immediately available for your use.

Foreign Transactions
See the Terms and Conditions of Your Account.

Advisory against Illegal Use
You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant, does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located.

Stop Payment Waiver
You waive the right to stop payment on any properly authorized debit card transaction. Merchants and others who honor the Card may give credit for returns or adjustments by initiating a credit to us. We will credit that amount to your Account, but the funds from a return or adjustment may not be immediately available for your use.

Merchant Disputes
We are not responsible for the refusal of any merchant or any financial institution to honor your Card. We are subject to claims and defenses (other than tort claims) arising out of goods or services you purchase with the Card if you have made a good faith attempt, but have been unable to obtain satisfaction from the merchant or service provider, and (a) your purchase was made in response to an advertisement we sent or participated in sending to you, or (b) your purchase cost more than $50 and was made in your state or within 100 miles of your home.

Refusal to Honor Card
We are not liable for the refusal or inability of any electronic terminal to honor the Card or complete a withdrawal from your Account, or for its retention of the Card. We are also not responsible for the refusal of any merchant or financial institution to honor the Card or for their retention of the Card.

Rules of the Account
All transactions covered by this Agreement are also subject to the Terms and Conditions of Your Account and all rules and agreements that govern the Account being debited or credited in connection with a Transaction, except as modified by this Agreement.

Effect of Agreement
Even though the sales, cash advance, or other slips that you sign or receive when using the Card or the Account number on the Card may contain different terms, this Agreement controls all Transactions involving the Card.

Additional Benefits and Card Enhancements
We may from time to time offer additional services for your Account. Some may be at no additional cost to you and others may involve a specified fee. You understand that we are not obligated to offer such services and may withdraw them or change them at any time.

Change in Terms
We may amend this agreement from time to time by giving you written notice. If any change results in greater cost or liability to you or decreases access to your Account, you will be given at least twenty one (21) days prior notice of the change.

Termination of Account
We reserve the right to cancel your Card at any time without notice. You may also cancel your Card at any time. You remain liable for any debts or fees incurred by you regardless of whether you or we cancel your Card. The Card remains the property of the Credit Union. If either we or you cancel your Card, you agree to return the Card to us or destroy it upon our request.

No Waiver
We can delay enforcing any of its rights under this Agreement and the law, any number of times, without losing those rights.

Statements and Notices
Statements and notices will be mailed to you at the most recent address you have given us. Notice sent to any joint account owner will be considered notice to all.

To the extent permitted by law, you agree to pay reasonable costs, including attorneys’ fees, in the event we sue you to enforce this Agreement. This Agreement is binding upon your heirs, personal representatives, and successors jointly and severally.

By signing the Signature area of the MIDFLORIDA Membership Application and Agreement or by checking the box stating “I agree to the Terms and Conditions associated with my debit card order” will be considered your electronic signature. By providing your signature or electronic signature, you authorize MIDFLORIDA Credit Union to check your credit and employment history and make whatever inquiries reasonably made in the course of granting, reviewing, re-issuing, or cancelling the debit card. You understand that we will retain the application whether or not it is approved. You also agree that the use of the debit card will bind you to all terms and conditions contained in this Agreement and disclosure. You should retain a copy of this disclosure for your records.

Custom Image Debit Card Agreement

Permissible Images
When you submit one or more images to be considered for use on your debit card, each cardholder (“you”) agrees to the following Terms. MIDFLORIDA reserves the right to add to or modify these Terms and to terminate the Custom Image Debit Card program or any Custom Image Debit Card issued to you at any time in its sole discretion.

You may not use images that contain any of the following:

  • Copyrighted material or other photographs not owned by you, including professional photographs taken by others
  • Product brands and trademarked material
  • Obscene or lewd material, harassing or discriminatory material, provocative material, or any other socially unacceptable material
  • Currency or flags of any country or flags or symbols of any organization
  • Phone numbers, web addresses, e-mail addresses, or other personal information
  • Advertising
  • Symbols of death, destruction, violence, or any other negative images that do not reflect positively on the credit union
  • Celebrities and public figures, including sports, music, entertainment, and political figures
  • Material that interferes or may interfere with the acceptance or security features of the card
  • Political statements
  • Reference to MasterCard®, American Express®, Discover® or any other payment brand
  • Socially unacceptable groups
  • Profanity, obscenities or nudity
  • Alcohol or tobacco
  • Religious symbols, images and text
  • Images of money
  • Any content that might infringe, denigrate or dilute the VISA® brand or its member financial institutions.
  • Photos that feature a mascot or character as the primary focus of the photo.

MIDFLORIDA reserves the right to reject any image submitted in our sole and absolute discretion. You agree to indemnify, defend, and hold harmless MIDFLORIDA Credit Union and its directors, officers, employees, and contractors from and against any damages, costs, expenses, including court costs and attorney’s fees, arising out of or related to your acts or omissions or any claim, action, or dispute, whether well-grounded or baseless, that an image submitted by you violates the rights of any person or entity or applicable law.
A custom image on your card does not imply any additional security, and, when appropriate, you should expect to show photo ID if requested. If you should lose your card or believe the card has been stolen, call 1-800-472-3272 immediately to report the card missing.

Reissued Cards
Once your debit card has been issued with a custom photo, subsequent reissues of the card for any reason (because the card was lost, stolen, expired, or otherwise) will be issued with the image previously uploaded, and your account will be charged $5.99 for each card. Cards are reissued under normal use every 3 years.

Cancelling a Custom Image Debit Card
If you do not wish to have your debit card reissued with a custom image, please visit and click on “cancel further reissues of my photo debit card.” The next time your debit card is reissued, you will receive the standard MIDFLORIDA artwork.

Multiple Custom Images on One Account
You may have different images on each card on the same account. Each card created with a custom image is $5.99 and will be charged to the account on which the debit card is issued. If you want the same image on two different cards, you must place an order for each card and select the same image with each order. You will be billed $5.99 for each custom card created.

Safety Precautions for the Use of Automated Teller Machines
As with all financial transactions, please exercise discretion when using an automated teller machine (ATM) or night deposit facility. For your own safety, be careful. The following suggestions may be helpful.

  1. Prepare for your transactions at home (for instance, by filling out a deposit slip) to minimize your time at the ATM or night deposit facility.
  2. Mark each transaction in your account record, but not while at the ATM or night deposit facility. Always save your ATM receipts. Don’t leave them at the ATM or night deposit facility because they may contain important account information.
  3. Compare your records with the account statements you receive.
  4. Don’t lend your ATM card to anyone.
  5. Remember, do not leave your card at the ATM. Do not leave any documents at a night deposit facility.
  6. Protect the secrecy of your Personal Identification Number (PIN). Protect your ATM card as though it were cash. Don’t tell anyone your PIN. Don’t give anyone information regarding your ATM card or PIN over the telephone. Never enter your PIN in any ATM that does not look genuine, has been modified, has a suspicious device attached, or is operating in a suspicious manner. Don’t write your PIN where it can be discovered. For example, don’t keep a note of your PIN in your wallet or purse.
  7. Prevent others from seeing you enter your PIN by using your body to shield their view.
  8. If you lose your ATM card or if it is stolen, promptly notify us. You should consult the other disclosures you have received about electronic fund transfers for additional information about what to do if your card is lost or stolen.
  9. When you make a transaction, be aware of your surroundings. Look out for suspicious activity near the ATM or night deposit facility, particularly if it is after sunset. At night, be sure that the facility (including the parking area and walkways) is well lighted. Consider having someone accompany you when you use the facility, especially after sunset. If you observe any problem, go to another ATM or night deposit facility.
  10. Don’t accept assistance from anyone you don’t know when using an ATM or night deposit facility.
  11. If you notice anything suspicious or if any other problem arises after you have begun an ATM transaction, you may want to cancel the transaction, pocket your card and leave. You might consider using another ATM or coming back later.
  12. Don’t display your cash; pocket it as soon as the ATM transaction is completed and count the cash later when you are in the safety of your own car, home, or other secure surrounding.
  13. At a drive-up facility, make sure all the car doors are locked and all of the windows are rolled up, except the driver’s window. Keep the engine running and remain alert to your surroundings.
  14. We want the ATM and night deposit facility to be safe and convenient for you. Therefore, please tell us if you know of any problem with a facility. For instance, let us know if a light is not working or there is any damage to a facility. Please report any suspicious activity or crimes to both the operator of the facility and the local law enforcement officials immediately.

The above disclosure is a required disclosure given pursuant to Florida Statutes §655.963. It is not intended to create any rights or duties as between the parties. The guidelines contained herein are not all inclusive. Users of ATMs should utilize such other precautions as may be appropriate under any particular set of circumstances. The Credit Union expressly disclaims any and all liability as relates to the use of Automated Teller Machines owned or controlled by the Credit Union except as provided by statute.

By signing the MIDFLORIDA Membership Application and Agreement or by providing your electronic signature as described in the Signatures section of this document, you acknowledge that you have read the foregoing and have received a copy of the disclosure entitled “Safety Precautions for the Use of Automated Teller Machines.”