GHS has several important Disclosures you should be aware
of when utilizing our website and electronic services.
NOTICE OF CHANGES IN TEMPORARY NCUA INSURANCE
COVERAGE FOR TRANSACTION ACCOUNTS
All funds in a "noninterest-bearing transaction account"
are insured in full by the National Credit Union Administration
through December 31, 2012. This temporary unlimited coverage is in
addition to, and separate from, the coverage of at least $250,000
available to members under the NCUA's general share insurance
rules. The term "noninterest-bearing transaction account"
includes a traditional share draft account (or demand deposit
account) on which the insured credit union pays no interest or
dividend. It does not include any transaction
account that may earn interest or dividends, a negotiable order of
withdrawal ("NOW") account, money-market deposit account, and
Interest on Lawyers Trust Account ("IOLTA"), even if share drafts
may be drawn on the account. For more information about
temporary NCUA insurance coverage of transaction accounts, visit
www.ncua.gov.
Annual Notice- Non-VISA Pin-Less Debit
Transactions
You may use your VISA Debit Card to initiate both VISA debit
transactions and non-VISA debit transactions without using a
personal identifi cation number (PIN) to authenticate the
transactions. To initiate a VISA debit transaction, you may sign a
receipt, provide a card number or swipe your card through a
point-of-sale (POS) terminal and choose to route the transaction
over a VISA network. To initiate a non-VISA debit
transaction, you may enter a PIN at a point-of sale terminal or,
for certain bill payment transactions, provide the account number
for an e-commerce or mail/telephone order transaction after clearly
indicating a preference to route it as a non-VISA
transaction. We have enabled non-VISA debit transaction
processing on the NYCE, CIRRUS, CO-OP, ALLPOINT and ACCEL/Exchange
network(s). The rights and protections applicable only to VISA
debit transactions, including additional consumer liability limits
and streamlined error resolution procedures, as described in your
Electronic Fund Transfers Agreement and Disclosure will not apply
to transactions processed through non-VISA networks. Please contact
the Credit Union with any questions you may have regarding this
notice.
If you have questions about any of these disclosures, please
feel free to contact
us.
