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Credit Union 24 ATM Network CU24, Member Access, CU-Here and Plus are the Automated Teller Machine (ATM) Networks that put 24-hour convenience at your fingertips with one easy to use card. You can take care of virtually all your routine financial needs through a CU24, Member Access and CU Here ATM. Transactions normally handled by a teller are now accessible to you, day or night, 7 days a week.

With proper authorization and an HFCU ATM Card, you can perform the following transactions at a CU24, Member Access or CU Here ATM:

Get cash in multiples of $20 (up to $200 a day for each cardholder) from your Share, Checking, Money Market Share and HFCU LOC accounts. Make deposits to your Share, Checking and Money Market Share accounts. Transfer funds from one account to another when both accounts are accessed by the same card. Check account balances for your Share, Checking, Money Market Share accounts. Make payments to loans and other HFCU accounts.

The (POS) Point Of Sale feature of the HFCU ATM allows members to use there ATM card to make purchases and get cash back at many participating retailers such as Wal-mart, Winn-Dixie, Harris Teeter, Go Gas and others and by using the POS feature transaction fees are reduced to .75 cents per transaction.

There is no transaction fee for the first five transactions per month when using a CU24, Member Access or CU-Here ATM. Additional transaction have a simple transaction fee of just $1.25 so use CU24, Member Access or CU Here as often as you like.

Using a CU24, Member Access or CU Here ATM is easy. Simply insert your HFCU ATM Card into the card reader slot and follow the instructions that appear on the display screen.

Once you have inserted your card, you are instructed to enter your PIN. You have three opportunities to key your PIN correctly. Three incorrect entries will signal the ATM to cancel the transaction.

After entering your PIN, instructions on the display screen will guide you through your transaction. For a complete list of CU24, Member Access or CU Here ATM locations, visit the credit union website or local office for a detailed listing.

In addition to the CU24, Member Access and CU Here ATM networks, HFCU members have access to the PLUS System International ATM Network, which gives you worldwide access to your Credit Union accounts for transfers, balance inquiries and cash withdrawals. Only the following primary accounts can be accessed through a PLUS ATM:

• Checking
• Money Market Share
• Share

There is a $1.25 per transaction fee for completed transactions performed at PLUS ATMs. A fee of $1.25 is charged for incomplete or denied transactions for any of the following reasons: Withdrawal attempt from an account having insufficient funds. Withdrawal amount requested exceeds the cardholder daily limit. Third attempt at entering an invalid PIN. Withdrawal attempted from an account that is not accessible with the ATM card. In order for a member to qualify for a HFCU ATM card, a minimum deposit of $500 in a regular share account, Super Saver/Money Market account or HFCU Line Of Credit will be required prior to card issuance or a member must have maintained a share draft checking account in good standing (no NSF or overdrawn balances) For a minimum of one year prior to card issuance.

The PLUS System offers an ATM locator service. Information on ATM locations anywhere in the world can be found on the Internet at www.hanoverfcu.org