Visa Disclosures | Rize Credit Union

Personal Visa Credit Card Disclosures

Personal Visa Credit Card Terms & Conditions

Effective February 1, 2026

Interest Rates & Charges

Annual Percentage Rate (APR) for Purchases, Balance Transfers or Cash Advances

Visa Platinum – variable rate

2.90% introductory APR for a period of six billing cycles. After that, 13.50% to 18.00% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Secured Platinum – variable rate

16.75% variable. This APR will vary with the market based on the Prime Rate.

Teen Platinum – fixed rate

2.90% introductory APR for a period of six billing cycles. After that, 12.25% fixed.

Penalty APR and when it applies

18.00% APR may be applied to your account if you:

Make a late payment; or
Make a payment that is returned.

If your APRs are increased for any of these reasons, the penalty APR will apply until you make six consecutive minimum payments when due beginning with the first payment due after the effective date of the increase.

Paying Interest

The due date is at least 25 days after the close of each billing cycle. No interest will be charged on purchases if the entire balance is paid by the due date each month. Interest charges on cash advances and balance transfers begin on the transaction date.

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau.

Fees

Annual Fee

Ninguna

Transaction Fees

Balance transfer – 3% of the amount of each transfer.

Cash advance – 3% of the amount of cash advance

Foreign transactions – 1% of each foreign transaction, regardless of whether the transaction is in U.S. dollars or in a foreign currency

Penalty Fees

Late payment – up to $25

Returned payment – up to $25

Returned check – up to $25

How we calculate your balance: We use a method called “average daily balance (including new transactions).” See the Credit Card Agreement for more details.

Loss of introductory APR: We will end your introductory APR and apply the penalty APR if you make a late payment.

Billing rights: Information on your rights to dispute transactions and how to exercise those rights are provided in your Credit Card Agreement.

Variable APRs: Based on Prime Rate as listed on The Wall Street Journal on the first day of the month.

Visa Platinum Accounts: we add between 7.25% to 14.00% to the Prime Rate to determine the APR based on your creditworthiness for Purchase/Balance Transfer and Cash Advances.

Visa Platinum Secured Accounts: We add 9.25% to the Prime Rate to determine the APR based on your creditworthiness for Purchase/Balance Transfer and Cash Advances.

Military Lending Act (MLA): Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and their dependent may not exceed an Annual Percentage Rate of 36%. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account).

Personal Visa Credit Card Agreement & Federal Truth-In-Lending Disclosure

Effective February 15, 2019

In this Agreement and Disclosure Statement, the words “I,” “me,” “my,” and “mine” mean each and all of those who apply for or use the Rize Federal Credit Union (Rize CU) Visa credit card and/or Visa account. “Card” means the Visa card issued to me and any duplicates and/or renewals you may issue. “Account” means my Visa credit card account with Rize CU.

By requesting and receiving, signing, using, or permitting others to use the card and/or account issued to me by Rize CU, I agree to be bound by the terms and conditions as set forth herein and any amendments thereto.

In no event shall Rize CU have any liability to me or any third party for any indirect, special, or consequential damages resulting from or arising out of this agreement.

Authorization and payment

I authorize Rize CU to pay and charge my account for all purchases, balance transfers, and cash advances made or obtained by me or anyone I authorize to use my card or account. I will be obligated to pay all such purchases, balance transfers, and cash advances charged to my account whether resulting from (1) actual use of my card or convenience checks; (2) mail order or phone, computer, or other electronic purchases made without presenting the card; or (3) any other circumstance where I authorize a charge, or authorize someone else to make a charge, to my account (collectively, authorized charges). I promise to pay Rize CU in U.S. dollars with an instrument drawn on a financial institution in the United States at your office or the address set forth on my periodic statement all authorized charges on the terms and at the rates set forth herein, plus any financial charges assessed on my account, and any other charges and fees which I may owe you under the terms of this Agreement and Disclosure Statement (the “account balance”). Payments will continue until I have paid the account balance in full.

Change of Terms

Account and agreement terms are not guaranteed for any period of time. I understand and agree Rize CU may amend, modify, add to, or delete from this Agreement and Disclosure Statement any of its terms and conditions, including financial terms such as the method of application and the amount of any interest charge, transaction fee, or other finance charges, annual percentage rate, monthly periodic rate, and/or fee under applicable laws. If required by applicable law, Rize CU will mail a notice of the change to me at my last known address. I also understand in the event of a significant change, as denied under the Federal Truth in Lending Act, any such notice will be mailed at least 45 days before the effective date of the significant change as required by applicable law. If Rize CU is required by applicable law to provide me a right to reject significant changes to this Agreement and Disclosure Statement before the effective date of such changes, Rize CU will provide me with an explanation of how to reject the significant changes unless I fail to make a required minimum payment within 60 days after its due date. Rize CU may change the terms of this Agreement and Disclosure Statement based on information in my credit report, market conditions, business strategy, or for any other reason. Notice of a change in terms is required but may be sent as late as the effective date of the change where the change has been agreed to in writing by me.

Interest Rates & Interest Charges

I understand a portion of my finance charges incurred during a billing cycle will include my interest charges incurred during that billing cycle. The interest charge for a billing cycle will be calculated by applying my monthly periodic rate to my average daily balance. I understand and agree under the Change of Terms section above, Rize CU has the right in their sole and absolute discretion to change the amount of any APR, monthly periodic rate, and/or interest charge that may apply to my account.

Monthly periodic interest charge, monthly periodic rate, and APR for cash advances, balance transfers, and purchases
The monthly periodic rate used in calculating the monthly periodic interest charge for cash advances, balance transfers, and purchases is based upon the Prime Rate as published in the Money Rates section of The Wall Street Journal (the index). My APR for cash advances, balance transfers, and purchases is determined by adding a margin to the index in effect as of the first day of the month preceding the month of my adjustment date. The Initial monthly periodic rate in effect as of the date of this Agreement & Disclosure Statement is outlined in the Account Opening Disclosure.

My APR may increase or decrease every quarter. Any such change will be based on an increase or decrease in the index. In the event the Prime Rate ceases to be published, changes in the APR will be related to a comparable index. Rize CU may waive an increase in the APR when such an increase can be made, but such a waiver shall not be construed as a waiver of Rize CU’s right to increase the APR at a future date when entitled to do so.

My APR is subject to change quarterly on the first day of January, April, July, and October of each year. These dates shall be known as “adjustment dates.” The index in effect on the first day of the preceding month shall be used to calculate the APR change effective on the adjustment date. For example, the index in effect on March 1 shall be used to calculate the APR change effective on April 1 of the same year. All other adjustment date rate changes will follow the same pattern, except the index in effect on December 1 shall be used to calculate the APR change effective January 1 of the following year.

The maximum APR during the term of this Agreement & Disclosure Statement is 18%. Decreases in the APR under the terms of the Agreement & Disclosure Statement are mandatory. Increases in the APR under the terms of the Agreement & Disclosure Statement are at the discretion of Rize CU. Any increase or decrease in the APR will result in changes in the amount and/or number of payments required to repay the unpaid balance.

The monthly periodic rate is determined by dividing the APR by twelve and will change when the APR changes.

Transaction Fees

I understand, in addition to Interest charges incurred during a billing cycle another portion of my finance charges incurred during a billing cycle may include transaction fees incurred during that billing cycle. I understand and agree under the Change of Terms section above, Rize CU has the right in your sole and absolute discretion to change the amount of any transaction fee that may apply to my account. My transaction fees for a billing cycle will be the sum of the three components below, each of which is a finance charge.

Cash advance fee: One component of the transaction fee is the cash advance fee. Cash advance transactions are subject to a 3% cash advance fee of the amount of the advance and posted to the account during the billing cycle.
Foreign transaction fee: The second component of the transaction fee is the foreign transaction fee. International purchases, cash advances, and credit transactions are subject to a foreign transactions fee of 1% of the amount of the purchase, cash advance, or credit transaction which is posted to the account during the billing cycle, regardless of whether the international transaction requires a currency conversion.
Balance transfer fee: The third component of the transaction fee is the balance transfer fee. Balance transfer transactions are subject to a 3% balance transfer fee of the amount of the transfer and are posted to the account during the billing cycle.

The above transaction fees and other fees for the billing cycle will be shown on my periodic statement.

Penalty APR
If I fail to make a payment when due or if I make a payment that is returned, a penalty APR of 18.00% (corresponding monthly periodic rate of 1.5%) may be applied to my account balance. Rize CU will provide me with notice of such penalty APR at least 45 days before the effective date of the penalty APR, and such notice will inform me which future transactions and/or outstanding balances are subject to the penalty APR.

Generally, the penalty APR will apply to future transactions that occur more than 14 days after Rize CU provides notice of the penalty APR increase and will revert to the applicable standard APR set forth above, provided I make six consecutive minimum monthly payments when due beginning with the first payment due after the effective date of the increase.

However, if I fail to make a minimum monthly payment within 60 days after the payment due date, the penalty APR will apply to all outstanding balances and future transactions.

In such an event, my APR will cease applying to transactions that occurred before or within 14 days of the notice’s provision and will revert to the applicable standard APR set forth above, provided I make six consecutive minimum monthly payments when due, beginning with the first payment due after the effective date of the increase.

Credit Information

I authorize Rize CU to investigate my credit standing when opening, renewing, or reviewing the account, and I authorize Rize CU to disclose information regarding the account to credit bureaus and other creditors who inquire about my credit standing to the extent authorized by law.

How to compute the purchase balance, consisting of transactions related to purchases of property & services, upon which periodic Interest Charges are assessed

Average daily balance, including new purchases. Rize CU figures a portion of the interest charge on my account by applying the purchase monthly periodic rate to the average daily balance of credit purchases, including current purchase transactions. To get the average daily balance of purchase transactions, Rize CU takes the beginning balance of purchase transactions on my account each day, adds any new purchases, and subtracts any payments or credits, unpaid interest charges, and other finance charges. This gives Rize CU the daily balance of purchase transactions. Then, Rize CU adds up all the daily balances of purchase transactions for the billing cycle and divides the total by the number of days in the billing cycle. This gives Rize CU the average daily balance of purchase transactions.

I have at least a 25-day grace period from the close of each billing cycle to pay the new balance without incurring additional interest charges provided either: (1) Rize CU received payment in full of the ending balance for the previous billing cycle by the payment due date disclosed in the previous billing cycle’s periodic statement; or (2) the previous billing cycle’s ending balance was $0. If I have a grace period to pay the new balance for any billing cycle and do not pay the new balance in full during this grace period, interest charges will be assessed on any portion of the new balance not paid during the grace period using the average daily balance method as explained above. The payment due date disclosed on each periodic statement provided to me is the last day of my grace period for that statement’s billing cycle.

How to compute the cash advances balance (consisting of transactions related to cash and other advance transactions) upon which periodic Interest Charges are assessed

Average daily balance, including current cash advance transactions. Rize CU figures a portion of the interest charge on my account by applying the monthly periodic rate to the average daily balance of cash advances, including current cash advances. To get the average daily balance of cash advance transactions, Rize CU takes the beginning balance of cash advance transactions on my account each day, adds any new cash advances, and subtracts any payments or credits, unpaid interest charges, and other finance charges. This gives Rize CU the daily balance of cash advance transactions. Then, Rize CU adds up the daily balances of cash advance transactions for the billing cycle and divides the total by the number of days in the billing cycle. This gives Rize CU the average daily balance of cash advance transactions.

There is no grace period to avoid the imposition of interest charges on cash advances.

How to compute the balance transfer balance upon which periodic Interest Charges are assessed

Average daily balance, including current balance transfer transactions. Rize CU figures a portion of the interest charge on my account by applying the monthly periodic rate to the average daily balance of balance transfers, including current balance transfers. To get the average daily balance of balance transfer transactions, Rize CU takes the beginning balance of balance transfer transactions on my account each day, adds any new balance transfer transactions, and subtracts any payments or credits, unpaid interest charges, and other finance charges. This gives Rize CU the daily balance of balance transfer transactions. Then, Rize CU adds up all the daily balances of balance transfer transactions for the billing cycle and divides the total by the number of days in the billing cycle. This gives RizeCU the average daily balance of balance transfer transactions.

There is no grace period to avoid the imposition of interest charges on balance transfers.
This determines my total interest charge for the billing cycle. Actual interest charges will be shown on my periodic statement. The combination of periodic interest charges, cash advance fee, balance transfer fee, and foreign transactions fee will not exceed the APR permitted under applicable law.

Minimum Payment

Every month, I must pay at least the minimum payment due by the payment due date shown on my periodic statement. By separate agreement, I may authorize Rize CU to automatically transfer the minimum payment due from my Rize CU share or share draft account. I may, of course, pay more frequently, pay more, or pay the account balance in full, and I will reduce my periodic interest charge by doing so. The minimum payment due will either be (a) 2% of my account balance, or $25, whichever is greater, or (b) my account balance if it is less than $25.

In addition, I must pay any amount on my periodic statement listed as past due and any late charges. Lastly, at any time my account balance exceeds my credit limit, I must pay the excess.

I understand and agree any minimum monthly payment made by me will be applied in the following order: (a) unpaid fees and charges, if any; (b) unpaid periodic interest charges, transaction fees, and other finance charges due on purchases, balance transfers, and cash advances; (c) outstanding balances of cash advances, balance transfers, and purchases previously billed; and (d) current cash advances, balance transfers, and purchases. If two or more transactions are posted on the same day, my payment will be applied first to the smaller of them. Any payment I make over the minimum monthly payment will be applied to my balances subject to the highest APR first, then to balances subject to lower APRs, in descending order of APRs until all balances subject to an APR are paid in full. Thereafter, Rize CU will apply all payments above the minimum monthly payment, if applicable, in the same order as Rize CU applies the minimum monthly payment. Payments of $5,000 or more will be subject to a five-day hold before available funds are released.

Credit Limit

My account has a credit limit established by Rize CU. Rize CU may increase or decrease my credit limit at any time and may notify me of such increase or decrease by mail or through a statement sent to the primary address on file per applicable legal requirements. Rize CU will provide me with oral or written notice of any decrease in my credit limit. If I object to any credit limit increase, I must notify Rize CU immediately. I or my joint applicant on the account may request a change to the credit limit orally, in writing, or electronically, but any such request must be approved by Rize CU. If my credit limit is increased, I am immediately responsible for the new credit limit and any increase in the account balance, even when it differs from an amount previously agreed to orally or in writing.

Returned Payment Fee

If a payment was applied to my account and returned to Rize CU unpaid for any reason, I will be charged a $25 returned payment fee. This fee will also apply to any payments made by automatic transfer that cannot be posted due to insufficient funds in my regular share or checking account.

Cargo por avance en efectivo

For each cash advance, a cash advance fee of 3% of the amount of the advance will be charged for each cash advance transaction. Cash advance transactions include ATM withdrawals, online funds transfers, telephonic funds transfers, and in-person cash advances at a financial institution’s branch from the account.

Balance Transfer Fee

I understand I can request a balance transfer transaction, which allows me to pay a portion or the entire balance of a credit card account I maintain with another institution. Any request I make for a balance transfer is subject to Rize CU approval based on my credit limit, my creditworthiness, and my good standing as a member. If Rize CU approves my requested balance transfer transaction, a balance transfer fee of 3% of the amount of the balance transfer will be charged for each balance transfer transaction.

Late Payment Fee

Rize CU will charge a late payment fee of $25 for any monthly billing cycle as a late payment fee on the minimum payment due that is not paid by the date the payment is due. However, the late charge shall not exceed the maximum amount permitted under applicable state law.

Purchases & Advances

I may make purchases and request advances under the current loan policies up to my credit limit. I understand and agree all purchases and other transactions requested by me or anyone I have permitted to use my card(s) and/or account are subject to your approval.

Using the Card

To make a purchase or obtain an advance, there are two alternative procedures to be followed. One is for me to present the card or card number to a participating Visa plan merchant, to Rize CU, or another financial institution and sign or authorize a sales or cash advance draft. The other is to complete the transaction by using my personal identification number (PIN) in conjunction with the card in an automated teller machine (ATM) or other type of electronic terminal that provides access to the Visa system.

My card and/or account may not be used directly or indirectly for (1) any illegal activity or transaction; or (2) any gambling, gaming, betting, or similar activity or transaction. Further, I may not utilize my card and/or account for the purchase of any goods or services online that involve gambling, gaming, betting, or any similar transaction or activity. Such transactions include, but may not be limited to, any quasi-cash or online gambling transaction, any electronic commerce transaction conducted over an open network, and any betting transaction, including the purchase of lottery tickets or casino gaming chips/checks or off-track betting or wagering. However, in the event a charge or transaction described in this paragraph is approved and processed, I will still be responsible for such charges.

Pledge of Shares

If I have signed a separate Pledge of Shares securing a Visa card account agreement, I understand and agree I am pledging, under the Uniform Commercial Code, shares now on deposit in my regular share account(s). I understand I must, at all times, keep a sum equal to my credit limit on deposit in my regular share account(s) until I repay my entire loan and the account is terminated. I understand and agree this security interest will cover future purchases and advances under this Agreement & Disclosure Statement. If I default, Rize CU may apply these shares to repay my loan per federal or other laws. I understand the APR quoted on my Visa acceptance letter does not take into account the amount pledged in my regular share account(s).

Electronic Fund Transfer

If using the card or its account number constitutes an electronic fund transfer (EFT), the terms and conditions of my Electronic Fund Transfer Agreement & Disclosure with RizeCU shall govern such transactions to the extent that the Electronic Fund Transfer Agreement & Disclosure expands or amends this Agreement & Disclosure Statement.

Prepayment or Irregular Payments

Though I need only pay the minimum payment due, I understand I have the right to repay my account balance at any time without penalty. I also understand and agree I will only be charged interest charges to the date I repay my entire account balance. I may make larger payments without penalty and this may reduce the total amount of interest charges I will repay. If I pay more than the minimum payment due in any month and there is still a balance due, I must continue to make minimum payments in future months. Any partial payment of my account balance will not advance my next payment due date(s). I understand and agree any payment (a) delays or (b) accelerates the repayment of my account balance will (a) increase or (b decrease my monthly periodic interest charge.

Payments by Automatic Transfer

If I request payment by automatic transfer, I understand and agree no payment can or will be made if there are insufficient or uncollected funds in the designated sub-account to make the scheduled payment. Should this event occur, I understand and agree I will not be released from making the payment. Any automatic transfer I have requested will remain in effect until I cancel it in writing or the agreement is paid in full. Rize CU may cancel this service at their discretion.

Default

I will be in default if 1) I do not pay on time or in the proper amount(s); 2) I fail to live up to any of the terms of this Agreement & Disclosure Statement; 3) my creditworthiness is impaired; or 4) I die, become insolvent, or am the subject of bankruptcy or receivership proceedings. In the event of any action by Rize CU to enforce this Agreement & Disclosure Statement, I agree to pay the costs thereof, reasonable attorneys’ fees, and other expenses. I understand and agree interest charges at the APR as permitted under this Agreement & Disclosure Statement will continue to accrue until I repay my entire account balance.

Cross Default

I understand and agree my breach or default of the terms and conditions of this agreement of my Visa credit card account shall also be deemed to be a default of any other loan or line of credit account I now have with Rize CU or obtain in the future with Rize CU. Further, I understand and agree my breach or default of the terms and conditions of any other loan or line of credit account I now have with Rize CU or obtain in the future with Rize CU shall be deemed to be a default of the terms and conditions of the agreement for this Visa credit card account. This Cross Default agreement shall not apply to any loan or line of credit account secured by real property or where otherwise prohibited by Federal or State law or regulation.

Acceleration & Collection Costs

Upon my default, I understand and agree that Rize CU has the right to temporarily or permanently suspend any account and card privileges, and/or Rize CU may demand immediate payment of the account balance, including interest charges, transaction fees, and other finance charges, late charges, and collection costs, reasonable attorneys’ fees, and court costs (collectively, collection-related charges). I understand and agree I will be subject to interest charges at the applicable monthly periodic rate, transaction fees, and other finance charges, late charges, and collection-related charges under the terms disclosed in this Agreement & Disclosure Statement until I repay my entire account balance.

Cross Collateralization

I understand and agree to the personal property security for each loan, line of credit account, and credit card account I have with Rize CU, and any proceeds thereof, if any, shall secure this Visa credit card account and any other loans, lines of credit accounts, and credit card accounts I have with Rize CU or obtain in the future with Rize CU. In addition, any personal property, and any proceeds thereof and all insurance proceeds and insurance premium refunds, securing other loans, lines of credit accounts, and credit card accounts I have with Rize CU or obtain in the future with Rize CU will also secure all funds advanced by Rize CU and this Visa credit card account.

This Cross Collateralization agreement shall not apply to any loan, line of credit agreement, or credit card agreement secured by real property or where otherwise prohibited by Federal or State law or regulation.

Responsibility

I agree to repay Rize CU according to the terms of this Agreement & Disclosure Statement for all purchases, advances, balance transfers, interest charges, transaction fees, and other finance charges, and late charges, if any, and other fees arising from the use of the account by me or any other person I permit to use the account, even if that person exceeds my permission. I cannot disclaim responsibility by notifying Rize CU, although Rize CU will close the account if I so request, and I will return all cards to Rize CU. My obligation to pay the account balance continues even though an agreement, divorce decree, or other court judgment to which Rize CU is not a party may direct me or one of the other persons responsible for paying the account. Any person using the account and/or card is jointly and severally responsible with me for charges they make, but if that person signs the card, he or she becomes a party to this agreement and is also responsible for all charges on the account, including mine.

The cards remain the property of Rize CU and I must recover and surrender all cards to Rize CU upon request and/or upon termination of this account.

Unauthorized Use

If I notice the loss or theft of or possible unauthorized use of my card, I should write to Rize Federal Credit Union immediately at PO Box 8017, El Monte CA 91734, or call 800.866.6474.

I will not be liable for any unauthorized use that may occur after I notify Rize CU. I may, however, be liable for unauthorized use that occurs before my notice to Rize CU. In any case, my liability will not exceed $50. My liability may be lower in cases of Visa card fraud following current Visa USA, Inc. operating rules.

Termination

Rize CU may terminate this Agreement & Disclosure Statement upon my default. Either Rize CU or I may terminate this Agreement & Disclosure Statement for other good cause. In no event shall any termination relieve me of my obligation to repay the entire account balance. I agree to return all cards issued to me or any party designated by me.

Transaction Slips

My periodic statement will identify the merchant, electronic terminal, or financial institution at which transactions were made, but sales, cash advances, credit, or other slips cannot be returned with the periodic statement. I will retain the copy of such slips furnished at the time of the transaction to verify my periodic statement. Rize CU may make a reasonable charge for any photocopies or slips I request.

Plan Merchant Disputes

Rize CU is not responsible for the refusal of any plan merchant or financial institution to honor the account and/or card. Rize CU is subject to claims and defenses, other than tort claims, arising out of goods or services I purchase with the card only if I have made a good faith attempt but have been unable to obtain satisfaction from the plan merchant and (a) my purchase was made in response to an advertisement Rize CU sent or participated in sending me; or (b) my purchase cost more than $50 and was made from a plan merchant in my state or within 100 miles of my current mailing address. Any other dispute I must resolve directly with the plan merchant.

Foreign Transactions

Purchases, cash advances, and credits made in foreign currencies will be billed to my account in U.S. dollars. The conversion to U.S. dollars will be made following the Visa operating regulations for international transactions. I understand and agree a 1% fee for international transactions will be added to the amount of the purchase, cash advance, or credit, regardless of whether the international transaction requires a currency conversion. In the event an international transaction is converted to U.S. dollars, the exchange rate between the transaction currency and the billing currency used for processing international transactions is a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives or the government-mandated rate in effect for the applicable central processing date. The conversion rate may be different than the rate on the day of the transaction or the date of the posting to the account. When a credit to the account does not fully offset a charge to the account due to changes in the rate, I am responsible for the difference.

Returns & Adjustments

Merchants and others who honor the account and/or card may give credit for returns or adjustments, and they will do so by sending Rize CU a credit slip, which will be posted to the account. If my credits and payments exceed what I owe Rize CU, Rize CU will hold and apply this credit balance against future purchases and cash advances, or if it is $1 or more, refund it on my written request or automatically after six months.

Surrender of Card(s)

The card(s) remain the property of Rize CU, and if requested, I must surrender all card(s) to Rize CU issued on the account.

Lost or Stolen Card, Notification & Liability

I will notify Rize CU immediately if I believe the card, account number, PIN, or any combination of the three has been lost or stolen by calling Rize CU at 800.866.6474. Calling is the best way of keeping my possible losses down. I understand my total liability to Rize CU shall not exceed $50 for any account and/or card transactions resulting from the loss, theft, or other unauthorized use of the account and/or card that occurs before the time I give notice to Rize CU. Such liability does not apply when the account and/or card are used to make an electronic transfer.

Payments Marked “Paid in Full”

Rize CU may accept checks, money orders, or other types of payment marked payment in full or using other language to indicate satisfaction of any indebtedness without being bound by such language or waiving any rights under this Agreement & Disclosure Statement. Satisfaction of indebtedness shall be accepted by Rize CU only in a written agreement, signed by an authorized representative.

Delay in Enforcement

Rize CU can delay enforcing any of rights under this Agreement & Disclosure Statement without losing them.

Governing Law

I understand and agree this Agreement & Disclosure Statement is made in California and shall be governed by the laws of the State of California to the extent that California law is not inconsistent with controlling federal law. I also understand and agree California’s choice of law rules shall not be applied if they would result in the application of non-California law.

Integrated Document(s)

Any separate sheet of paper labeled “Additional Disclosure – Federal Truth-in-Lending Act”, “Visa Acceptance Letter”, “Pledge of Shares Securing a Visa Credit Card Account Agreement, and Additional Federal Truth-in-Lending Disclosure Statement”, which is delivered together with this Agreement & Disclosure Statement is an integrated part of the Agreement & Disclosure Statement.

Membership Requirement

I understand and agree I must be and remain a member in good standing with Rize CU to be eligible for continuing account and/or card privileges, including future purchases and advances. I understand and agree Rize CU may suspend the account and/or card privileges during any period in which I do not maintain my membership.

Change of Name, Address, Employment Status

I understand and agree I must report to Rize CU any change in my name, address, or employment status.

Seguro de protección de deudas

I understand debt protection is not required by Rize CU to obtain my account. I acknowledge receiving a copy of the debt protection application and have chosen the coverage indicated thereon. I understand and agree the cost of debt protection coverage will be added to my unpaid balance on the last day of my billing cycle and will accrue interest charges from the day they are added.

Accuracy of Information

The information provided in my credit application is accurate and I will notify Rize CU in writing immediately if there is a change in my financial condition. Rize CU may retain the application. I understand it is a violation of Section 1014, Title 18, U.S. Code, to make false statements or overvalue security to influence the action of any federally insured credit union. Rize CU may gather credit and/or employment information deemed necessary and appropriate from time to time and Rize CU may give information concerning their credit experience with me to others.

Copy Received

By the activation and use of the account, I acknowledge receipt of a copy of this Visa Credit Card Agreement & Federal Truth-in-Lending Disclosure and agree to accept its terms.

I will keep this notice for future use.

This notice tells me about my rights and Rize CU’s responsibilities under the Fair Credit Billing Act.

If I find a mistake on my statement
If I think there is an error on my statement, I must write to Rize CU at:

Rize Federal Credit Union
PO Box 8017
El Monte CA 91734

In my letter, I must give Rize CU the following information:

Account information: My name and account number
Dollar amount: The dollar amount of the suspected error
Description of problem: If I think there is an error on my bill, I must describe what I believe is wrong and why I believe it is a mistake

I must contact Rize CU:

Within60 days after the error appeared on my statement
At least three business days before an automatic payment is scheduled if I want to stop payment on the amount I think is wrong

I must notify Rize CU of any potential errors in writing [or electronically]. I may also call Rize CU, but if I do, Rize CU is not required to investigate any potential errors, and I may have to pay the amount in question.

When Rize CU receives my letter, they must do two things:

Within 30 days of receiving my letter, Rize CU must notify me the letter was received. Rize CU will also tell me if they have already corrected the error.
Within 90 days of receiving my letter, Rize CU must either correct the error or explain to me why they believe the bill is correct.

While investigating whether or not there has been an error:

Rize CU cannot try to collect the amount in question or report me as delinquent on that amount.
The charge in question may remain on my statement, and Rize CU may continue to charge me interest on that amount.
While I do not have to pay the amount in question, I am responsible for the remainder of my balance.
Rize CU can apply any unpaid amount against my credit limit.

After Rize CU finishes the investigation, one of two things will happen:

If Rize CU made the mistake, I will not have to pay the amount in question or any interest or other fees related to that amount.
If Rize CU does not believe there was a mistake, I will have to pay the amount in question, along with applicable interest and fees. Rize CU will send me a statement of the amount I owe and the date the payment is due. If I do not pay the amount owed, Rize CU may report me as delinquent.

If I receive the explanation but still believe my bill is wrong, I must write to Rize CU within 10 days, telling them I still refuse to pay. If I do so, Rize CU cannot report me as delinquent without also reporting I am questioning my bill. Rize CU must tell me the name of anyone who reported me as delinquent and must let those organizations know when the matter has been settled between us.

If Rize CU does not follow all of the rules above, I do not have to pay the first $50 of the amount I question even if my bill is correct.

My Rights if I am Dissatisfied with my Credit Card Purchase

If I am dissatisfied with the goods or services I purchased with my credit card, and I have tried in good faith to correct the problem with the merchant, I may have the right not to pay the remaining amount due on the purchase.

To use this right, all of the following must be true:

The purchase must have been made in my home state or within 100 miles of my current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if my purchase was based on an advertisement RizeCU mailed to me or if RizeCU owns the company that sold me the goods or services.)
I must have used my credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses my credit card account do not qualify.
I must not have fully paid for the purchase.

If all of the criteria above are met and I am still dissatisfied with the purchase, I must contact Rize CU in writing at:

Rize Federal Credit Union
PO Box 8017
El Monte CA 91734

While Rize CU investigates, the same rules apply to the disputed amount, as discussed above. After Rize CU finishes the investigation, they will tell me the decision. At that point, if Rize CU thinks I owe an amount and I do not pay, they may report me as delinquent.

Additional Terms & Conditions Applicable to Visa Convenience Checks or Visa Letter Checks

I may also access my Visa account by utilizing the Visa convenience checks or Visa letter checks provided.

Rize CU will honor and pay checks up to my credit limit as long as they are drawn on forms authorized by Rize CU and presented before the expiration date on the check.
I, or any other person authorized to draw on the account, may order stop payment of any check payable against my account, provided my request is timely and affords Rize CU a reasonable opportunity to act upon it under their rules. I may also stop payment on a check. A stop payment fee will be assessed for each stop payment as outlined in Rize CU’s Tarifas y Cargos. If I give a stop payment order orally, the order shall be valid for 10 days thereafter unless confirmed in writing. Written orders shall be valid no longer than six months but may be renewed for an additional six-month period by written notice given during the time the stop payment order was effective. I have the burden of establishing the facts and amount of loss resulting from payment contrary to a binding stop-payment order.
If a Card is reported lost or stolen, the Visa convenience checks are null and void.
I agree to hold Rize CU harmless and to indemnify them from any liability incurred due to a delay or misrouting of the Visa convenience check where the delay or misrouting is caused by markings placed on the check by me or a prior endorser that obscure any depository endorsement place by Rize CU or its agents.
To calculate interest charges, Visa convenience checks are the same as cash advances and will be subject to a cash advance fee.
Rize CU may recognize the signature of anyone who signed the credit application as authorized to transact any business on this account.
Visa convenience checks may not be used to pay any amount I owe under this agreement or under any other credit agreement or account I hold with Rize CU.
A $25 fee will be charged for a stop payment of a convenience check or letter check.
A $25 fee will be charged for a returned convenience check or letter check due to a non-activated account, closed account, or insufficient credit available.

To report a lost or stolen card, please call 800.866.6474.

Personal Visa Credit Card Guide to Benefits

These benefits are provided to Rize Credit Union (Rize CU) Personal Visa cardholders at no additional cost. Subsequent endorsements may modify the terms and conditions contained in this guide. The terms and conditions may be modified via mail, statement insert, statement message, or electronic notification. The benefits described in this guide will not apply to cardholders whose accounts have been suspended or canceled. Rize CU can cancel or non-renew these benefits, and if we do, we will notify you at least 30 days in advance.

Auto Rental Collision Damage Waiver

Effective January 2025

No cardholder wants to incur the expense of repairing or replacing a rented car. But accidents do happen, and vehicles do get stolen.

No matter what happens to your rental car, you can be covered with Auto Rental Collision Damage Waiver (waiver). The waiver reimburses you for damages caused by theft or collision – up to the actual cash value of most rented cars. The waiver covers no other type of loss. For example, in the event of a collision involving your rented vehicle, damage to any other driver’s car or the injury of anyone or anything is not covered. Rental periods of 15 consecutive days within the U.S., and 31 consecutive days outside it, are both covered. Longer rental periods, however, are not covered.

You are eligible for this benefit if your name is embossed on your Rize Credit Union (Rize CU or Credit Union) card or if you are authorized by your company to rent an eligible vehicle using the company’s card, as long the rental is purchased entirely with the card. Only you, as the primary renter of the vehicle, and any additional drivers permitted by the rental car agreement are covered.

How auto rental collision damage waiver works with other insurance

The waiver covers theft, damage, valid loss-of-use charges imposed and substantiated by the auto rental company, administrative fees, and reasonable and customary towing charges, due to a covered theft or damage to the nearest qualified repair facility.

If you do have personal automobile insurance or other insurance that covers theft or damage, this benefit reimburses you for the deductible portion of your car insurance or other insurance, along with any unreimbursed portion of administrative and loss-of-use charges imposed by the car rental company, as well as reasonable towing charges while the car was your responsibility.

If you do not have personal automobile insurance or any other insurance, the benefit reimburses you for covered theft, damage, or administrative and loss-of-use charges imposed by the rental company, as well as reasonable towing charges that occur while you are responsible for the vehicle.

If you are renting outside the U.S., the coverage provided under this benefit is primary and reimburses you for covered theft, damage, or administrative and loss-of-use charges imposed by the rental company, as well as reasonable towing charges that occur while you are responsible for the vehicle.

How to use auto rental collision damage waiver

Use your Rize CU card to initiate and complete your entire car rental transaction.
Review the auto rental agreement and decline the rental company’s collision damage waiver option, or a similar provision, as accepting this coverage will cancel out your benefit. If the rental company insists you purchase their insurance or collision damage waiver, call the benefits administrator for assistance at 800.348.8472. Outside of the U.S., call collect at 1.804.673.1164.

This benefit is in effect during the time the rental car is in your or an authorized driver’s control, and it terminates when the rental company reassumes control of their vehicle.

Vehicles not covered

Certain vehicles are not covered by this benefit. They include expensive, exotic, and antique cars, cargo vans, certain vans, vehicles with an open cargo bed, trucks, motorcycles, mopeds, motorbikes, limousines, and recreational vehicles.

Examples of expensive or exotic cars are the Alfa Romeo, Aston Martin, Bentley, Corvette, Ferrari, Jaguar, Lamborghini, Lotus, Maserati, Maybach, McLaren, Porsche, Rolls Royce, and Tesla. However, selected models of Audi, BMW, Mercedes-Benz, Cadillac, Infiniti, Land Rover, Lexus, Lincoln, and Range Rover are covered.
An antique car is defined as one that is over 20 years old or has not been manufactured for 10 years or more.

Vans are not covered. But those designed as small-group transportation vehicles, with seating up to nine people, including the driver, are covered.

If you have questions about a specific vehicle’s coverage or organization where the vehicle is being reserved, call the benefits administrator for assistance at 800.348.8472. Outside of the U.S., call collect at 1.804.673.1164.

Related instances and losses not covered

Any obligation you assume under any agreement other than the deductible on your personal auto policy
Any violation of the auto rental agreement or this benefit
Injury of anyone or damage to anything, inside or outside the rental vehicle
Loss or theft of personal belongings
Personal liability
Expenses assumed, waived, or paid by the auto rental company or its insurer
The cost of any insurance or collision damage waiver offered by or purchased through the auto rental company
Depreciation of the rental vehicle caused by the incident including, but not limited to, “diminished value”
Expenses reimbursable by your insurer, employer, or employer’s insurance
Theft or damage due to intentional acts, or due to the driver(s) being under the influence of alcohol, intoxicants, or drugs, or due to contraband or illegal activities
Wear and tear, gradual deterioration, or mechanical breakdown
Items not installed by the original manufacturer
Damage due to off-road operation of the rental vehicle
Theft or damage due to hostility of any kind, including, but not limited to, war, invasion, rebellion, insurrection, or terrorist activities
Confiscation by authorities
Vehicles that do not meet the definition of covered vehicles
Rental periods that either exceed or are intended to exceed 31 consecutive days
Leases and mini-leases
Theft or damage as a result of the authorized driver’s and/or cardholder’s lack of reasonable care in protecting the rental vehicle before and/or after the damage or theft occurs; for example, leaving the car running and unattended
Theft or damage reported more than 45 days¹ after the date of the incident
Theft or damage for which a claim form has not been received within 90 days¹ from the date of the incident
Theft or damage for which all required documentation has not been received within 365 days after the date of the incident
Theft or damage from rental transactions that originated in Israel, Jamaica, the Republic of Ireland, or Northern Ireland
Losses caused by or resulting from a cyber incident

Filing a claim

It is your responsibility as a cardholder to make every effort to protect your rental vehicle from damage or theft. If you have an accident, or your rental vehicle has been stolen, immediately call the benefits administrator for assistance at 800.348.8472 to report the incident, regardless of whether your liability has been established. Outside of the U.S., call collect at 1.804.673.1164.

You should report the theft or damage as soon as possible but no later than 45 days from the date of the incident.

The benefits administrator reserves the right to deny any claim containing charges that would not have been included if notification occurred before the expenses were incurred. Thus, it’s in your best interest to notify the benefits administrator immediately after an incident. Reporting to any other person will not fulfill this obligation.

What you must submit to file a claim

At the time of the theft or damage, or when you return the rental vehicle, ask your car rental company for the following documents:

A copy of the accident report form
A copy of the initial and final auto rental agreements – front and back
A copy of the repair estimate and itemized repair bill
Two photographs of the damaged vehicle, if available
A police report, if obtainable
A copy of the demand letter which indicates the costs you are responsible for and any amounts that have been paid toward the claim

Submit all of the above documents from the rental company, along with the following documents, to the benefit administrator:

The completed and signed auto rental collision damage waiver claim form within 90 days¹ of theft or damage date, even if all other required documentation is not yet available – or your claim may be denied
A copy of your monthly billing statement showing the last four digits of the account number, demonstrating the entire rental transaction was made on your eligible account
If the rental was for personal use, a statement from your insurance carrier and/or your employer or employer’s insurance carrier, if applicable, or other reimbursement showing the costs for which you are responsible, and any amounts that have been paid toward the claim. Or, if you have no applicable insurance or reimbursement, a statement of no insurance or reimbursement is required
If the rental was for personal use, a copy of your primary insurance policy’s declarations page, if applicable, to confirm your deductible. This means the document(s) in your insurance policy that lists names, coverages, limits, effective dates, and deductibles
Any other documentation required by the benefit administrator to substantiate the claim

Finally, please note all remaining documents must be postmarked within 365 days¹ of the theft or damage date or your claim may be denied.

For faster filing, or to learn more about auto rental collision damage waiver, visit eclaimsline.com.

Finalizing your claim:

Your claim will typically be finalized within 15 days after the benefits administrator has received all documentation needed to substantiate your claim.

Transference of claims:

Once your claim has been paid, all your rights and remedies against any party in regard to this theft or damage will be transferred to the benefit administrator to the extent of the cost of payment made to you. You must give the benefits administrator all assistance as may reasonably be required to secure all rights and remedies.

Additional provisions

Signed or pinned transactions are covered as long as you use your Rize CU card to secure the transaction.
You shall do all things reasonable to avoid or diminish any loss covered by this benefit. This provision will not be unreasonably applied to avoid claims.
If you make any claim knowing it to be false or fraudulent in any respect, no coverage shall exist for such claim, and your benefit may be canceled. Each cardholder agrees representations regarding claims will be accurate and complete. Any relevant provisions shall be void in any case of fraud, intentional concealment, or misrepresentation of material fact.
No legal action for a claim may be brought against the provider until 60 days after the provider receives proof of loss. No legal action against the provider may be brought more than two years after the time for giving proof of loss. Further, no legal action may be brought against the provider unless all the terms of the Guide to Benefits have been complied with fully.
This benefit is provided to eligible cardholders at no additional cost. Subsequent endorsements may modify the terms and conditions contained in this Guide to Benefits. The terms and conditions may be modified via additional Guide to Benefits mailings, statement inserts, statement messages, or electronic notification. The benefits described in this Guide to Benefits will not apply to cardholders whose Accounts have been suspended or canceled.
Rize CU can cancel or non-renew the benefits for cardholders, and if the Credit Union does, you’ll be notified at least 30 days in advance. Indemnity Insurance Company of North America (provider) is the underwriter of these benefits and is solely responsible for its administration and claims. The benefit administrator provides services on behalf of the provider.
After the benefit administrator has paid your claim, all your rights and remedies against any party in respect of this claim will be transferred to the benefit administrator to the extent of the payment made to you. You must give the benefit administrator all assistance as may reasonably be required to secure all rights and remedies.
This benefit does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit the provision of insurance, including, but not limited to, the payment of claims.

¹Not applicable to residents in certain states

Extended Warranty Protection

Effective January 2025

Product warranties can be inconvenient and cumbersome to use.

Let’s say you purchased a great gadget about a year ago, but it just stopped working, and you can’t find your sales receipt and warranty information. For all too common situations like these, extended warranty protection can help.

Extended warranty protection provides you with valuable features that help you manage, use and extend the warranties for eligible items purchased on your Rize Credit Union (Rize CU) card. Services include warranty registration and extended protection. You are eligible for this benefit if you are a Rize CU Visa cardholder within the United States and you purchase either a portion or the entire cost of the item using your Rize card.

Here’s how warranty registration works

When you purchase an eligible item that carries a manufacturer’s warranty, you can register your purchase by calling 800.551.8472 or call collect outside the U.S. at 1.303.967.1096. You can also register your purchase online at CardBenefitServices.com.

The benefit administrator will tell you where to send your item’s sales receipt and warranty information, so they can be kept on file should you need them.

If you choose not to register your item, be sure to keep your monthly billing statement reflecting the purchase, the itemized sales receipt, the original manufacturer’s written U.S. warranty and any additional warranty in a safe place. These documents will be required to verify your claim.

Here’s how extended protection works

Your warranty coverage can be doubled up to one additional year on eligible warranties of three years or less. For example, a manufacturer’s warranty of three months would be provided with an additional three months of coverage for a combined total of six months, and a warranty for six months would be provided with an additional six months of coverage for a combined total of 12 months of coverage. However, if the manufacturer’s warranty is for three years, it would only be extended for one additional year.

This benefit is limited to no more than the original price of the purchased item as shown on your credit card receipt, less shipping and handling fees, up to a maximum of $10,000 per claim, and $50,000 per cardholder.

The benefit covers purchases made both inside and outside the U.S. The eligible item must have a valid original manufacturer’s U.S. repair warranty of three years or less, a U.S. store-purchased dealer warranty, or a U.S. assembler warranty.

What extended protection does not cover

Boats, automobiles, aircraft, and any other motorized vehicles and their motors, equipment, or accessories, including trailers and other items that can be towed by or attached to any motorized vehicle
Any costs other than those specifically covered under the terms of the original manufacturer’s written U.S. repair warranty, as supplied by the original manufacturer, or other eligible warranty
Items purchased for resale
Real estate and items that are intended to become part of real estate, including, but not limited to, items that are hard-wired or hard-plumbed, garage doors, garage door openers, and ceiling fans
Rented or leased items
Computer software
Medical equipment
Used or pre-owned items. Refurbished items will be covered as long as it has a warranty with it and would not be considered used or pre-owned
Losses caused by or resulting from a cyber incident

Filing a purchase security claim

To file a claim, call the benefits administrator for assistance at 800.848.1943 or call collect outside of the U.S. at 1.303.967.1096 immediately after the failure of your covered item. Please note that if you do not notify the benefits administrator within 60 days of product failure, your claim may be denied.

The benefit administrator will request preliminary claim information, direct you to the appropriate repair facility, and send you the claim form. Gift recipients of eligible items are also covered, but they must provide all the documents needed to substantiate their claim.

If you received or purchased a service contract or an extended warranty when you purchased your item, this benefit will supplement and exceed that coverage.

What you must submit to file a claim:

Fill out and sign the claim form the benefits administrator sent you, then submit the form within 90 days of the product failure, along with the following documents:

A copy of your monthly billing statement showing the last four digits of the account number, demonstrating the purchase was made on your Rize CU card
If more than one method of payment was used, please provide documentation as to additional currency, voucher, points or any other payment method utilized
A copy of the itemized sales receipt
A copy of the original manufacturer’s U.S. warranty, and any other applicable warranty
A description of the item and its serial number, and any other documentation deemed necessary to substantiate your claim, this includes bills and, if necessary, a copy of the maintenance records and receipts
The original repair estimate or repair bill, indicating cause of failure
Any other documentation deemed necessary by the benefits administrator to substantiate the claim

All claims must be fully substantiated.

For faster filing or to learn more about purchase security, visit CardBenefitServices.com.

How you will be reimbursed

If you have substantiated your claim and met the terms and conditions of the benefit, your item will be replaced or repaired at the benefits administrator’s discretion, but for no more than the original purchase price of the covered item, as recorded on your credit card receipt, less shipping and handling fees, up to a maximum of $10,000 per claim, and a maximum of $50,000 per cardholder. You will only be reimbursed up to the amount charged to your Rize CU card or the program limit, whichever is less. Under normal circumstances, reimbursement will occur within five business days of the receipt and approval of all required documents.

If your item is to be repaired, you may go to an authorized repair facility and file a claim for reimbursement. Only valid and reasonable repairs made at the manufacturer’s authorized repair facility are covered.

In either case, the benefits administrator’s payment, replacement, or repair made in good faith will fulfill the obligation under this benefit.

Additional provisions for extended protection

Signed or pinned transactions are covered as long as you use your Rize CU card to secure the transaction.
You shall do all things reasonable to avoid or diminish any loss covered by this benefit. This provision will not be unreasonably applied to avoid claims.
If you make any claim knowing it to be false or fraudulent in any respect, no coverage shall exist for such claim, and your benefit may be canceled. Each cardholder agrees representations regarding claims will be accurate and complete. Any relevant provisions shall be void in any case of fraud, intentional concealment, or misrepresentation of material fact.
No legal action for a claim may be brought against the provider until 60 days after the provider receives proof of loss. No legal action against the provider may be brought more than two years after the time for giving proof of loss. Further, no legal action may be brought against the provider unless all the terms of the Guide to Benefits have been complied with fully.
This benefit is provided to Rize CU cardholders at no additional cost. Subsequent endorsements may modify the terms and conditions contained in this Guide to Benefits. The terms and conditions may be modified via additional Guide to Benefits mailings, statement inserts, statement messages, or electronic notification. The benefits described in this guide will not apply to cardholders whose Rize CU accounts have been suspended or canceled.

Purchase Security

Effective January 2025

Life is full of surprises… some good surprises and some not-so-good.

For instance, your son’s brand-new iPad got soaked in a sudden rainstorm at summer camp. But you bought the item with your card, so you may be covered. Purchase security protects new retail purchases made with your eligible account and/or rewards program associated with your covered account within the first 90 days from the date of purchase. To be eligible for this coverage, you need to purchase either a portion or the entire cost of the item using your account associated with your covered account.

At the benefits Administrator’s discretion, this benefit replaces, repairs, or reimburses you for the total purchase price of your item, up to a maximum of $10,000 per claim and $50,000 per cardholder, in the event of theft, damage due to fire, vandalism, or certain weather conditions.

You are eligible for this benefit if you are a Rize CU Visa cardholder. Gifts purchased for friends and family members may also be covered if they are purchased with your Rize CU card.

Purchase security covers

Eligible items of personal property purchased with your Rize CU card are covered for the following damage due to:

Fire, smoke, lightning, explosion, riot, or vandalism
Windstorm, hail, rain, sleet, or snow
Aircraft, spacecraft, or other vehicles
Accidental discharge of water or steam from household plumbing
Sudden accidental damage from electric current
Theft, except from cars or motorized vehicles

Purchases made outside the U.S. are also covered as long as you purchased the item with your Rize CU card.

Purchase security does not cover

Animals and living plants
Antiques or collectible items
Boats, aircraft, automobiles, and any other motorized vehicles and their motors, equipment, or accessories, including trailers and other items towable or attachable to any motorized vehicle
Broken items, unless the result of a covered occurrence
Computer software
Items damaged as a result of weather other than lightning, wind, hail, rain, sleet, or snow
Items purchased or resale, either professional or commercial use
Items stolen from cars or other vehicles or common carriers
Items that are lost or “mysteriously disappear,” meaning they vanished in an unexplained manner with no evidence of wrongdoing
Items under the control and care of a common carrier, including the U.S. postal service, airplanes, or a delivery service
Items in your baggage, unless hand carried, under your supervision, or that of a companion you know, include jewelry and watches, among other things
Theft or damage stemming from abuse, fraud, hostilities (war, invasion, rebellion, insurrection, terrorist activities, and more); confiscation by authorities, if contraband or illegal, normal wear and tear, flood, earthquake, radioactive contamination, damage from inherent product defects
Theft or damage from misdelivery or voluntarily parting with property
Medical equipment
Perishable or consumable items, including cosmetics, perfumes, rechargeable batteries, among others
Real estate and items intended for real estate, including hard-wired and hard-plumbed items, garage doors and openers, ceiling fans, among other items
Rented and leased items
Traveler’s checks, cash, tickets, credit or debit cards, among other negotiable purchased instruments
Items used or pre-owned. Refurbished items will not be considered used or pre-owned as long as they are accompanied by a warranty
Losses caused by or resulting from a cyber incident

Filing a purchase security claim

Call the benefits administrator for assistance at 800.553.4820, or call collect outside of the U.S. at 1.303.967.1096 within 60 days of the damage or theft – if you wait longer, coverage may be denied. The Benefit Administrator will ask for some preliminary claim information, answer your questions and send You a claim form. When you submit your claim, be sure to include all information regarding your claim, including the time, place, cause, and amount required to either replace or repair the item.

If you have insurance, homeowners, renters, a car, an employer, or any other, you are required to file a claim with your insurance company and submit a copy of any claim settlement from your insurance company along with your claim form. Purchase security provides coverage on an excess coverage basis, meaning it does not duplicate coverage but pays for a loss only after valid and collectible insurance or indemnity, including, but not limited to, homeowners, renters, car, or employers insurance policies, has been exhausted. At that point, purchase security will cover the loss up to the amount charged to your Rize CU card, subject to the terms, exclusions, and limits of liability of the benefit.

This benefit also pays for the outstanding deductible portion of your insurance or indemnity for eligible claims. The maximum total liability limit is up to $10,000 per claim occurrence and $50,000 per cardholder. You will receive no more than the purchase price as recorded on the eligible card receipt.

When a protected item is part of a pair or set, you will receive no more than the value, as described above, of the particular part or parts, stolen or damaged, regardless of any special value that item may have as part of such a pair or set, and no more than the proportionate part of an aggregate purchase price of such pair or set.

For faster filing or to learn more about purchase security, visit CardBenefitServices.com.

Gift recipients may file their own claims if they have the necessary substantiating documents.

Please submit the following documents:

Your signed and completed claim form
A copy of your monthly billing statement showing the last four digits of the account number, demonstrating the purchase was made on your Rize CU card
If more than one method of payment was used, please provide documentation as to additional currency, voucher, points or any other payment method utilized
A copy of the itemized store receipt demonstrating the purchase was made on Rize CU card
A copy of the documentation of any other settlement of the loss, if applicable
If the item is repairable, the estimate of repair or a copy of the paid receipt/invoice for the repairs, indicating the type of damage to the claimed item, if applicable
A copy of the police report made within 48 hours of the occurrence in the case of theft or fire or incident report to substantiate the loss. If the loss was not reported, please provide a replacement receipt or other sufficient proof of loss deemed eligible solely by your benefits specialist, if applicable
Any other documents necessary to substantiate your claim

In some cases of damage, you will be asked to send the damaged item along with your claim at your expense to substantiate the claim, so make sure to keep the damaged item in your possession.

Please note your maximum recovery under the purchase security benefit is the purchase price of the item, not to exceed the coverage limit.

Please return your signed and completed form with all documentation within 90 days of the date of theft or damage.

How will I be reimbursed?

Once You’ve met the conditions of this benefit, the Benefit Administrator will resolve Your claim in one of two ways:

A damaged item may be repaired, rebuilt, or replaced, while a stolen item will be replaced. Typically, you will receive notice about this decision within 15 days of receipt of your claim documentation.
You may receive payment to replace your item, an amount not more than the original purchase price, less shipping and handling charges, up to $10,000 per claim and $50,000 per cardholder. You will only be reimbursed up to the dollar amount to replace or repair the item or the program limit, whichever is less. Under normal circumstances, reimbursement will take place within five business days.

Additional provisions

Signed or pinned transactions are covered as long as you use your Rize CU card to secure the transaction.
You shall do all things reasonable to avoid or diminish any loss covered by this benefit. This provision will not be unreasonably applied to avoid claims.
If you make any claim knowing it to be false or fraudulent in any respect, no coverage shall exist for such claim, and your benefit may be canceled. Each cardholder agrees representations regarding claims will be accurate and complete. Any relevant provisions shall be void in any case of fraud, intentional concealment, or misrepresentation of material fact.
No legal action for a claim may be brought against the provider until 60 days after the provider receives proof of loss. No legal action against the provider may be brought more than two years after the time for giving proof of loss. Further, no legal action may be brought against the provider unless all the terms of the Guide to Benefits have been complied with fully.
This benefit is provided to eligible cardholders at no additional cost. Subsequent endorsements may modify the terms and conditions contained in this Guide to Benefits. The terms and conditions may be modified via additional Guide to Benefits mailings, statement inserts, statement messages, or electronic notification. The benefits described in this Guide to Benefits will not apply to cardholders whose Accounts have been suspended or canceled.
Rize CU can cancel or non-renew the benefits for cardholders, and if the Credit Union does, you’ll be notified at least 30 days in advance. Indemnity Insurance Company of North America (provider) is the underwriter of these benefits and is solely responsible for its administration and claims. The benefit administrator provides services on behalf of the provider.
After the benefit administrator has paid your claim, all your rights and remedies against any party in respect of this claim will be transferred to the benefit administrator to the extent of the payment made to you. You must give the benefit administrator all assistance as may reasonably be required to secure all rights and remedies.
This benefit does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit the provision of insurance, including, but not limited to, the payment of claims.

Travel Accident Insurance

Effective January 2025

This is an accidental death and dismemberment only policy and does not pay benefits for loss from sickness.
Travel Accident Insurance coverage is provided to all Rize CU Visa cardholders and replaces any descriptions of coverage previously issued to the insured with respect to insurance described herein.

Eligibility and period of coverage

As a Rize Credit Union Visa cardholder, you are covered beginning the date your card is issued. You and your dependents¹ become covered automatically when the entire common carrier fare is charged to your covered Rize CU card (covered person). It is not necessary to notify the Credit Union, the insurance company, or the plan administrator when tickets are purchased. Coverage ends when the policy is terminated.

Beneficios

Subject to the terms and conditions, if a covered person’s accidental bodily injury occurs while on a covered trip and results in any of the following losses within one year after the date of the accident, the insurance company will pay the following percentage of the principal sum for accidental Loss of:

Loss	Percentage
Vida	100%
Both hands or both feet	100%
Sight of both eyes	100%
One hand and one foot	100%
Speech and hearing	100%
One hand or one foot	50%
Speech or hearing	50%
Thumb and index finger on the same hand	25%

In no event will multiple charge cards obligate the insurance company over the stated benefit for any one loss sustained by a covered person as a result of any one accident. The maximum amount payable for all losses due to the same accident is the principal sum.

Additional provisions

Travel accident insurance is provided under a master policy of insurance issued by Virginia Surety Company, Inc. (insurance company) and reserves the right to change the benefits and features of all these programs.

The Rize CU or the insurance company can cancel or choose not to renew the insurance coverages for all insureds. If this happens, the Credit Union will notify you at least 30 days in advance of the expiration of the policy. Such notices need not be given if substantially similar replacement coverage takes effect without interruption. Insurance benefits will still apply to covered trips commenced before the date of such cancellation or non-renewal, provided all other terms and conditions of coverage are met. Travel accident insurance does not apply if your Rize CU Visa card privileges have been suspended or canceled. However, insurance benefits will still apply to covered trips commenced before the date your card is suspended or canceled provided all other terms and conditions of coverage are met.

Coverage will be void if, at any time, you concealed or misrepresented any material fact or circumstance concerning this coverage or the subject thereof or your interest herein, or in the case of any fraud or false swearing by the insured relating thereto. No person or entity other than you shall have any legal or equitable right, remedy, or claim for insurance proceeds and/or damages under or arising out of this coverage.

No action at law or in equity shall be brought to recover on this coverage before the expiration of 60 days after proof of loss has been furnished per the requirements of this description of coverage.

The insurance company, at its expense, has the right to have you examined as often as reasonably necessary while a claim is pending. The insurance company may also have an autopsy made unless prohibited by law.

State amendments

For Illinois residents, the following statement is added: If a covered person recovers expenses for sickness or injury that occurred due to the negligence of a third party, the insurance company has the right to first reimbursement for all benefits the insurance company paid from any damages collected from the negligent third party for those same expenses whether by action at law, settlement, or compromise, by the covered person, the covered person’s parents if a minor, or legal representative as a result of that injury. You are required to furnish any information or assistance or provide any documents reasonably required to exercise the insurance company’s rights under this provision. This provision applies whether or not the third party admits liability.

Questions

Answers to specific questions can be obtained by writing to:

Plan Administrator
cbsi Card Benefit Services
550 Mamaroneck Ave, Suite 309
Harrison, NY 10528

Underwritten by
Virginia Serety Company, Inc.
175 W Jackson Blvd
Chicago, IL 60604

¹Your spouse, unmarried dependent child(ren), under age 19 (25 if a full-time student). No age limit for incapacitated child. Incapacitated child means a child incapable of self-sustaining employment because of mental retardation or physical handicap, and chiefly dependent on you for support and maintenance. Dependent child(ren) receive 50% of your benefit amount.

Travel & Emergency Assistance Services

Effective January 2025

Emergencies can escalate quickly when you are traveling away from home. Even something relatively straightforward when you are not traveling, like replacing prescription medication, can be difficult when you are dealing with local laws or language barriers.

Travel and emergency assistance services are made available to help you in case of an emergency while you are traveling away from home. The benefits administrator can connect you with the appropriate local emergency and assistance resources available, 24 hours a day, 365 days a year.

Please note that due to occasional issues such as distance, location, or time, neither the benefits administrator nor its service providers can be responsible for the availability, use, cost, or results of any medical, legal, transportation, or other services.

What are travel and emergency assistance services, and how do I use them when I need them?

Travel and emergency assistance services are made available to you, if you are a Rize CU cardholder. You, your immediate family members and business associates are also eligible to use these services. Travel and emergency assistance services provide assistance and referral only. You are responsible for the cost of any actual medical, legal, transportation, cash advance, or other services or goods provided.

To use the services, simply call the toll-free, 24-hour benefit administrator line at 800.992.6029. If you are outside the United States, call collect at 1.804.673.1675.

What are the specific services and how can them help me?

Emergency message service

Can record and relay emergency messages for travelers, their immediate family members or business associates. The benefits administrator will use reasonable efforts to relay emergency messages in accordance with benefit guidelines and limitations, but cannot take responsibility for the failure to transmit any message successfully.
Medial referral assistance

Provides medical referral, monitoring, and follow-up. The benefits administrator can give you names of local English-speaking doctors, dentists, and hospitals; assign a doctor to consult by phone with local medical personnel, if necessary, to monitor your condition; keep in contact with your family, and provide continuing liaison; and help you arrange medical payments from your personal accounts. All costs are your responsibility.
Legal referral assistance

Can arrange contact with English-speaking attorneys and U.S. embassies and consulates if you are detained by local authorities, have a car accident, or need legal assistance. In addition, the benefits administrator can coordinate bail payment from your personal accounts. The benefits administrator can also follow up to make sure bail has been properly handled. All costs are your responsibility.
Emergency transportation assistance

Can help you make all the necessary arrangements for emergency transportation home or to the nearest medical facility. This includes arranging to bring your immediate family members or business associates home and helping you stay in contact with family members or employers during the emergency. In the case of a death, the benefits administrator can make arrangements to repatriate the remains. All costs are your responsibility.
Emergency ticket replacement

It will help you through your carrier’s lost ticket reimbursement process and assist in delivering a replacement ticket to you if you lose your ticket. All costs are your responsibility.
Lost luggage locator service

Can help you through the common carrier’s claim procedures or can arrange shipment of replacement items if an airline or common carrier loses your checked luggage. You are responsible for the cost of any replacement items shipped to you.
Emergency translation services

Provides phone assistance in all major languages and helps find local interpreters, if available, when you need more extensive assistance. All costs are your responsibility.
Prescription assistance and valuable document delivery arrangements

Can help you fill or replace prescriptions, subject to local laws, and can arrange pickup and delivery of your prescriptions filled for you at local pharmacies. It can also help transport critical documents you may have left elsewhere. All costs are your responsibility.
Pre-trip assistance

They can give you information on your destination before you leave, such as ATM locations, currency exchange rates, weather reports, health precautions, necessary immunizations, and required passport visas.

Additional provisions

This benefit is provided to eligible cardholders at no additional cost. Subsequent endorsements may modify the terms and conditions contained in this Guide to Benefits. The terms and conditions may be modified via additional Guide to Benefits mailings, statement inserts, statement messages, or electronic notification. The benefits described in this Guide to Benefits will not apply to cardholders whose Accounts have been suspended or canceled.

Rize CU can cancel or non-renew the benefits for cardholders, and if the Credit Union does, you’ll be notified at least 30 days in advance.

Roadside Dispatch

Effective January 2025

For roadside assistance, call 800.847.2869

What is Visa Roadside Dispatch?

Roadside Dispatch is a pay-per-use roadside assistance program. The program provides you with security and convenience wherever your travels take you.

No membership or pre-enrollment is required. No annual dues. No limit on usage.

Current fee for a standard service call is $79.95. Fees are subject to change at any time; however, callers will be notified of pricing prior to any service dispatch.

Program provides:

Standard towing
Members must pay service provider for mileage over 5 miles. A secondary unit being towed behind is not included but can be accommodated for an additional fee.¹
Tire changing – must have good, inflated spare
Jump starting
Lockout service (no key replacement)
Fuel delivery – up to 5 gallons, plus the cost of fuel
Standard winching
Standard winching applies within 100 feet of paved or county maintained road only. Additional fees may apply under certain circumstances.

Roadside Dispatch will ask you where you are, what the problem is, and while they remain on the phone with you, they will arrange a dispatch to a reliable tow operator or locksmith to provide help. If you feel you are in an unsafe location, Roadside Dispatch will advise you to hang up and dial 911. If you are not able to dial 911, they will call the non-emergency police number in your area, and will remain on the phone with you at your request until the police arrive.

Additional terms

Service providers supplying emergency roadside assistance and towing are independent contractors and are solely liable for their services. Neither Visa nor Rize Credit Union (Rize CU) shall have any responsibility or liability in connection with the rendering of the service. Emergency roadside assistance and towing may not be available in areas not regularly traveled, nor in other off road areas not accessible by ordinary towing vehicles. Weather conditions, time of day, and availability of service may affect assistance responses. Expectations for dispatch are set with the customer on every call, and an expected estimated time of arrival is provided to the member regardless of their location; however, neither Visa nor Rize CU provides any assurances as to the ability of the service provider to meet such estimates. You are responsible for any roadside assistance or towing charges incurred by facilities responding to your request even if you are not with your vehicle or your vehicle is gone upon their arrival. 24-hour roadside assistance services provided by: Cross Country Motor Club, Inc. d/b/a Agero, a Massachusetts corporation, and Cross Country Motor Club of California, Inc. a California corporation.

This program may be discontinued at any time without prior notice. Program void where prohibited.

¹Any vehicle with wheels is covered under the program as long as it can be classified as ‘light duty’. Light duty vehicles are vehicles that weigh 10,000 lbs. or less. Vehicles weighing more than 10,000 lbs. are considered ‘medium duty’ or ‘heavy duty’ and are not covered under this program.

Definitions:

cuenta – your credit or debit card accounts.
Actual cash value – the amount a rental vehicle is determined to be worth based on its market value, age, and condition at the time of loss.
Beneficiary – benefit for loss of life is payable to your estate, or to the beneficiary designated in writing by you. All other benefits are payable to you.
Common carrier – any scheduled airline, land, or water conveyance licensed for transportation of passengers for hire.
Common currier – any mode of transportation by land, water, or air operating for hire under a license to carry passengers for which a ticket must be purchased before travel. Does not include taxi, limousine service, commuter rail, or bus lines.
Computer programs – a set of related electronic instructions that direct the operations and functions of a computer or device connected to it, which enable the computer or device to receive, process, store, retrieve, or send data.
Covered trip – a trip (a) while the covered person is riding on a common carrier as a passenger and not as a pilot, operator, or crew member and (b) charged to your Rize CU Visa card; and (c) begins and ends at the places designated on the ticket purchased for the trip. Covered trip will also include travel on a common carrier (excluding aircraft), directly to, from, or at any common carrier terminal, which travel immediately precedes departure to or follows arrival at the destination designated on the ticket purchased for the covered trip.
Cyber incident – Any of the following acts:
1. Unauthorized access to or use of your digital data or a covered purchase;
2. Alteration, corruption, damage, reduction in functionality, manipulation, misappropriation, theft, deletion, erasure, loss of use, or destruction of your digital data or a covered purchase;
3. Transmission or introduction of a computer virus or harmful code, including ransomware, into or directed against your digital data or a covered purchase;
4. Restriction or inhibition of access to or directed against your digital data or a covered purchase; or
5. Computer errors, including human operating error or omission; power failure, surge, or diminution of electronic systems; or mistakes in legitimate electronic code or damage from code installed on a covered purchase during the manufacturing process, upgrade process, or normal maintenance.
Description of coverage – this description of coverage details material facts about a travel accident insurance policy which has been established for you and is underwritten by Virginia Surety Company, Inc. Please read this description carefully. All provisions of the plan are in the master policy form number, VSC-VCC-01 (2/00). Any difference between the policy and this description will be settled according to the provisions of the policy.
Digital data – information, concepts, knowledge, facts, images, sounds, instructions, or computer programs stored as or on, created or used on, or transmitted to or from computer software, including systems and applications software, on hard or floppy disks, CD-ROMs, tapes, drives, cells, data processing devices, or any other repositories of computer software which are used with electronically controlled equipment. digital data shall include the capacity of a covered purchase to store process, and transmit information over the Internet.
Eligible person – a cardholder who pays for their auto rental by using their eligible account.
Exclusions – no payment will be made for any loss that occurs in connection with, or is the result of: (a) suicide, attempted suicide, or intentionally self-inflicted injury; (b) any sickness or disease; (c) travel or flight on any kind of aircraft or common carrier except as a fare-paying passenger in an aircraft or on a common carrier operated on a regular schedule for passenger service over an established route; or (d) war or act of war, whether declared or undeclared.
Immediate family member – your spouse or dependent children under 22 years old.
Injury – bodily injury(ies), sustained by the insured person which are the direct cause of loss, independent of disease cause of Loss, independent of disease or bodily infirmity, and occurring while the covered person is covered under this policy, while the insurance is in force.
Loss – actual severance through or above the wrist or ankle joints with regard to hands and feet; entire and irrevocable loss of sight, speech, or hearing; actual severance through or above the metacarpophalangeal joints with regard to thumb and index fingers. The life benefit provides coverage in the event of a covered person’s death. If a covered person’s body has not been found within one year of disappearance, stranding, sinking, or wreckage of any common carrier in which the covered person was covered as a passenger, then it shall be presumed, subject to all other provisions and conditions of this coverage, the covered person suffered loss of life.
Rental car agreement – the entire contract an eligible renter receives when renting a vehicle from a rental car agency, which describes in full all of the rental terms and conditions and the responsibilities of all parties under the contract.
Rental vehicle – a land motor vehicle with four or more wheels, as described in the participating organization’s disclosure statement, that the eligible renter has rented for the period shown on the rental car agreement and does not have a manufacturer’s suggested retail price exceeding the amount shown on the participating organization’s disclosure statement.
The cost – this travel insurance is purchased for you by Rize CU.
You or your – an eligible person residing in the U.S. whose name is embossed on the Rize CU Visa credit card.

Business Visa Credit Card Disclosures

Business Visa Credit Card Terms & Conditions

Interest rates vary based on member qualifications and Visa Program.

Non-Promotional Annual Percentage Rate

11.99% to 18.00% APR for purchases, cash advances, and balance transfers.

Default APR

18.00% APR on all balances if minimum payment due is not made for two consecutive billing cycles.

Grace Period

Purchases – 25 day grace period; cash advances, balance transfers, and Letter Checks will incur finance charges from the date the transaction is posted to the account

Method of Computing the Balance

Average Daily Balance

Annual Fee

Sin cargo anual

Minimum Finance Charge

Based on activity

Cargo por avance en efectivo

3% of cash advance amount (minimum $10)

Balance Transfer Fee

3% of the balance transfer amount (minimum $10)

Late Payment Fee

$39

Over Limit Fee

$39

$20 fee for returned payments. $10 fee for a phone payment. $15 fee for a stop payment. Rewards points are accumulated only on purchases and at a rate of one point for each dollar spent. The maximum allowable combined unsecured debt at Rize CU per entity household is $100,000; your limit may be reduced to remain within this limit. Rize CU reserves the right to close your account at any time. Balance transfers may not be used to pay off or pay down any account issued by Rize CU.

Business Visa Credit Card Agreement & Federal Truth-In-Lending Disclosure

Effective May 2007

This Rize Federal Credit Union (Rize CU) Business Visa Credit Card Agreement (agreement) governs the use of your Rize CU Business Visa Credit Card Account (account). In this agreement, the words “you” and “your” mean (i) the business on whose behalf the related Rize CU Business Visa Credit Application & Agreement or other written document, including an electronic record, you signed or otherwise submitted for this account (your application) and (ii) every person who signed the application. The words “Rize CU” mean Rize Federal Credit Union and its successor(s) and assign(s). The word “card” refers to the credit card we issue to you or on your behalf. Using your account number to obtain advances is considered a use of your card. Your application; the Business Visa Credit Card Approval Letter (letter) received by you before this agreement; your card and the card carrier we send with your card; your signature, including any electronic or digital signature, on any application, sales slip, or other evidence of indebtedness on your account; and any other documents required by us now or in the future in connection with this agreement and your account, such as any personal guarantees or security agreements, are hereby incorporated into and are made a part of this agreement. The word “guarantor” means each person identified in your application as a personal or corporate guarantor. Your use of the card, the account, and/or your account number constitutes your acceptance of and agreement to the following terms and conditions:

Use of account and conduct of business

You represent, warrant, and agree this account will be used solely for business and commercial purposes and not for any personal, family, or household purpose. You agree to comply with all laws, statutes, regulations, and ordinances about the conduct of your business and promise to indemnify and hold Rize CU harmless from any damages, liabilities, costs, and expenses, including attorneys’ fees, or other harm arising out of any violation thereof. This indemnity will survive termination of your account and this agreement.

Effective date

The words “effective date” used in this agreement mean the date specified in your Letter. You understand and agree Rize CU may postpone, without penalty, any advance under your account until all required security interests have been perfected and Rize CU has received all required personal guarantees or other documentation.

Promise to pay obligation

You promise to pay Rize CU without defense or setoff, the outstanding principal balance of all advances, fees, and charges on your account, together with interest thereon, plus any other sums due under this agreement. Subject to any grace periods, finance charges will be calculated from the date of each advance or other transaction until repayment in full. Each of you, if more than one, is jointly and severally liable on this agreement. This means Rize CU may require any of you to pay all amounts due under this agreement, including credit advances made by any of you, even if it exceeds the authorized credit limit. Any one of you, on your request alone, may cancel your account, request and receive advances, or take any other action regarding your account. Rize CU may release or modify the obligations of any one or more of you, or any guarantor, from responsibility under this agreement, and the other obligors will remain fully responsible hereunder.

Credit limit

This agreement governs a line of credit for a maximum total dollar amount, including, without limitation, principal, interest, fees, and charges, up to the dollar amount disclosed from time to time as your credit limit, shown initially on the letter and thereafter on your periodic statement. You agree not to request any advance that will make your account balance exceed your credit limit. If you exceed your credit limit, you agree to repay immediately the amount by which the balance of your account exceeds your credit limit, even if Rize CU has not yet billed you for such amount. Rize CU may refuse to authorize or accept any request for an advance that would cause you to exceed your credit limit. Your payment of any amount over your credit limit will not constitute an increase in your credit limit. Rize CU may reduce or increase your credit limit at any time and will notify you accordingly by periodic statement or otherwise.

Purchase advances

You may make purchases and request advances under the current loan policies up to your credit limit. You understand and agree all purchases and other transactions requested by you or anyone you have permitted to use the card(s) and/or account are subject to our approval.

Using the card

To make a purchase or obtain an advance, there are two alternative procedures to be followed. One is for you to present the card or card number to a participating Visa plan merchant, to Rize CU, or another financial institution, and sign or authorize a sales or cash advance draft. The other is to complete the transaction by using your Personal Identification Number (PIN) in conjunction with the card in an Automated Teller Machine (ATM) or other type of electronic terminal providing access to the Visa system.
Your card and/or account may not be used directly or indirectly for: (1) any illegal activity or transaction; or (2) any gambling, gaming, betting, or similar activity or transaction. Further, you may not utilize your card and/or account for the purchase of any goods or services on the Internet that involve gambling, gaming, betting, or any similar transaction or activity. Such transactions include, but may not be limited to, any quasi-cash or online gambling transaction, any electronic commerce transaction conducted over an open network, and any betting transaction including the purchase of lottery tickets or casino gaming chips/checks or off-track betting or wagering. However, in the event a charge or transaction described in this paragraph is approved and processed, you will still be responsible for such charges.

Advances

Provided you are not in default and your right to request advances has not been terminated, suspended, or canceled, you may obtain advances from your account after the effective date. You may obtain advances by purchasing goods, labor, insurance, and/or services, including mail, telephone, and electronic orders, through merchants or other parties who honor the card (purchases). If applicable, you may also obtain advances (cash advances) (i) by presenting your card at any financial institution honoring such card or (ii) by requesting an advance be credited to your Rize CU business checking account or other deposit account designated by you and acceptable to Rize CU. The minimum amount of any advance is outlined in the letter. You authorize Rize CU to accept requests by telephone for advances to be transferred to your Rize CU business checking account or other permitted deposit account, provided you or an authorized user identify yourself to our satisfaction when requesting such an advance. Each telephone transfer request may take up to three business days to process. All advance requests must be in U.S. dollars. Advances may be requested by an authorized user specifically authorized and designated by you for such purpose. You agree to indemnify and hold Rize CU harmless, for, from, and against any damages, liabilities, costs, expenses, including attorneys’ fees, or other harm arising out of any claim by you or any third party against Rize CU in connection with Rize CU performance of transfers as described above. This indemnity will survive termination of your account and this agreement.

Limitations on your ability to obtain advances

Rize CU will have no obligation to advance funds under your account if: (i) you fail to make any payment when due; (ii) you or any guarantor is, or would be if we honored your request, in default under or otherwise in violation of the terms of your account, this agreement, or any other agreement you or any guarantor have with Rize CU or any affiliates; (iii) any guarantor seeks, claims, or otherwise attempts to limit, modify, or revoke such guarantor’s guarantee of your account or any other credit extension with Rize CU or affiliates, whether made to you or to any other party; (iv) you have applied funds provided pursuant to the account for purposes other than those permitted under the agreement or authorized by us; (v) your credit limit has been or would be exceeded; (vi) your card or other access device has been reported lost or stolen; (vii) your purchase or cash advance is not signed by an authorized user; (viii) your request is less than the minimum amount required by this agreement or otherwise is not permitted under the terms of the agreement; or (ix) Rize CU receives conflicting demands from any of you. If Rize CU honors any request for an advance under these conditions, then you must repay any such advance with interest under the terms of this agreement, subject to applicable law. If Rize CU receives conflicting demands or instructions from any of you, then Rize CU may, at Rize CU’s option, refuse to make any advance that has not been requested by all of you together. Rize CU’s liability, if any, for wrongful dishonor of a request for an advance is limited solely to your actual damages. You hereby agree if Rize CU dishonors a proper request for an advance for any reason as provided in the agreement, it is not a wrongful dishonor. In no event will Rize CU be liable for any delay or refusal to follow instructions occurring as a result of an actual or apparent conflict.

Additional terms regarding advances

Rize CU will not be responsible for the failure or refusal of anyone to honor cards or other access devices Rize CU may supply to you. If a merchant or others who honor your card agree to give you a refund or adjustment in connection with a purchase or cash advance, then you agree to accept a credit to your account in place of a refund in cash or otherwise. You agree to return for statement verification a record and/or your copy of each sales draft, credit voucher, cash advance draft, or automated teller machine receipt arising from an advance on your account.

Access device termination

Any cards or other access devices Rize CU may supply to you remain the property of Rize CU and must be returned to Rize CU immediately upon demand. If your account is terminated for any reason, you must immediately follow Rize CU’s instructions for the return or destruction of all cards and any other access devices that may have been issued. Any use of any cards or other access devices following termination may be considered fraudulent. You will remain liable for any further use of cards or other access devices notwithstanding termination should Rize CU honor advances utilizing such cards or other access devices.

Authorized user

The term “authorized user” means: (i) in the case of a corporation, partnership, or limited liability entity, those individuals authorized and required to sign the application; (ii) in the case of a sole proprietorship, the owner(s); or (iii) those other individuals designated in your application as authorized to use cards and obtain advances. Such individuals must agree to execute other forms of signature identification as may be required by Rize CU.

Program administrator

You agree each individual who signs the application, each an authorized “program administrator”, will actively manage this account and any services obtained in connection with this agreement. You agree and acknowledge Rize CU may rely on all directions and information Rize CU receives from each program administrator regarding the account and any services obtained under this agreement. The program administrator’s responsibilities include the following: (i) making authorized users aware that advances from the account are for business use only; (ii) ensuring timely payments; (iii) notifying Rize CU immediately, and confirming in writing within two business days, if an authorized user’s authority to generate advances on the account has been or will be revoked due to termination of employment or for any other reason; (iv) using reasonable efforts to collect and dispose of cards and other access devices from authorized users when authority to generate advances is revoked; and (v) at the request of Rize CU after notification of an authorized user’s last known address and telephone number.

Periodic statements

If you have a balance owing on your account or have any account activity, Rize CU will send you a monthly billing statement (each a “periodic statement”) identifying the merchant, electronic terminal, or financial institution at which transactions were made, but sales, cash advance, credit, or other slips cannot be returned with the periodic statement. You will retain the copy of such slips furnished at the time of transaction to verify your periodic statement. Rize CU may charge a reasonable fee for any photocopies or slips you request. Your periodic statement will also show the balance of your account at the beginning of the billing cycle (“previous balance”), any new advances, accrued periodic interest owed and other charges, payments made and other credits, and the balance outstanding on the closing date of the billing cycle (“new balance”). Your periodic statement will also identify your minimum payment and the date it is due. If you think your periodic statement is incorrect, or if you need more information about a transaction, write to Rize CU at the address listed on your periodic statement. Ensure the following information is included:

Your name and account number;
The dollar amount of the suspected error; and
Describe the error and explain why you believe there is an error. If you need more information, describe the item you are not sure about.

After receipt of your letter, Rize CU will investigate your question. Within 90 days Rize CU will either correct the error or send you a letter explaining why your periodic statement was correct. RizeCU will provide you with photographic or other documentary evidence of each advance upon your reasonable request or proper written notice of a billing error.

Minimum payment

Every month, you must pay at least the minimum payment by the payment due date shown on your periodic statement. By separate agreement, you may authorize Rize CU to automatically transfer the minimum payment from another of your Rize CU accounts. You may, of course, pay more frequently, pay more, or pay the new balance in full and reduce your periodic finance charge by doing so. The minimum payment due will be either (a) 3.00% of your new balance, or $20, whichever is greater, or (b) your new balance if it is less than $20.

In addition, you must pay any amount on your periodic statement listed as past due and any late charges. Lastly, at any time your new balance exceeds your credit limit, you must pay the excess as well as any over-limit charge.

You understand and agree any payment made by you will be applied in the following order: (a) unpaid fees and charges, if any; (b) unpaid periodic finance charges due on both purchases and cash advances; (c) outstanding principal balances of cash advances and purchases previously billed; and (d) current cash advances and purchases. If two or more transactions are posted on the same day, your payment will be applied first.

Account records

The unpaid principal balance owing on your account at any time may be evidenced by a record of the account in which Rize CU will make entries for each advance and such other debits and credits as appropriate in connection with your account or by Rize CU’s internal records, including daily computer reports. All such entries by Rize CU will be conclusive evidence of the amount owed absent manifest error. You agree Rize CU may make adjustments to your account from time to time as required to reflect corrections, such as if advances or credits are posted incorrectly.

Finance charges

The finance charge for a billing cycle will be the sum of three components:

Cash advance fee: The first component of the finance charge is the cash advance fee. Cash advance transactions are subject to a cash advance fee of 3% of the amount advanced, which is posted to the account during the billing cycle, not to exceed the maximum rate permitted by a federal credit union. Cash advances completed with a Rize CU teller are not subject to the cash advance fee. The maximum advance you may be permitted to take through an ATM on any single day is $400.
Foreign transaction fee: The second component of the finance charge is the foreign transaction fee. Purchases, cash advances, and credit transactions made in foreign currencies are subject to a foreign transactions fee finance charge of 3% of the amount of the purchase, cash advance, or credit transaction which is posted to the account during the billing cycle.
Monthly periodic finance charge, monthly periodic rate, and annual percentage rate (APR): The third component of the finance charge is the monthly periodic finance charge. The monthly periodic rate used in calculating the monthly periodic finance charge is outlined in the letter accompanying this agreement and on each periodic statement. The corresponding nominal APR is set forth on the letter accompanying this agreement and on each periodic statement.

How to compute the purchase balance, consisting of transactions related to purchases of property and services, upon which periodic finance charges are assessed

Average daily balance, including new purchases. To avoid incurring an additional periodic finance charge on the balance of credit purchases reflected on your periodic statement and any new credit purchases appearing on your next periodic statement, you must pay the new balance shown on your periodic statement on or before the payment due date. The Periodic finance charges for a billing cycle are computed by applying the monthly periodic rate to the average daily balance of credit purchases, which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle. Each daily balance is determined by adding to the previous balance of credit purchases any new credit purchases posted to the account and subtracting any payments as received and credits as posted to the account, excluding any unpaid finance charges. You have a 25-day grace period from the close of the statement period to pay the new balance without incurring additional finance charges. If the new balance is not paid in full during this grace period, finance charges will be assessed using the average daily balance method as explained above.

How to compute the balance of the advance, consisting of transactions related to cash and other advance transactions, upon which periodic finance charges are assessed

Average daily balance, including new advances. The periodic finance charges for a billing cycle are computed by applying the monthly periodic rate to the average daily balance of cash advances which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle. Each daily balance of cash advances is determined by adding to the previous balance of cash advances any new cash advances as of the transaction date or the first day of the billing cycle in which posted, whichever is later, and subtracting any payments as received and credits as posted to the account, but excluding any unpaid finance charges. There is no grace period to avoid the imposition of finance charges on cash advances. However, the combination of periodic finance charges, cash advance fees, and foreign transaction fees, will not exceed the APR permitted by federal credit unions.

This determines your total finance charges for the billing cycle. Actual finance charges will be shown on your periodic statement.

Other charges

The following other charges will be added to your account, as applicable:

Late payment fee: $39 if your minimum payment is not received within five days of your payment due date.

Over the credit limit fee: $39 in each billing cycle in which you exceed your credit Limit by 10% or $100, whichever is less.

Card replacement fee: $5

PIN replacement fee: $5

Returned payment fee: $25 for each payment you make to Rize CU by check, share draft, or any other draft returned for lack of sufficient funds.

Pagos

You agree to send payments on your account, postage paid, to the payment address indicated on your periodic statement or as otherwise permitted or instructed by Rize CU. All payments must be made in good funds by check, money order, wire transfer, automatic transfer from your Rize CU business checking account, or other instrument in U.S. dollars. Though you need only pay the minimum payment, you understand you have the right to repay your loan at any time without penalty. You also understand and agree you will only be charged finance charges to the date you repay your entire loan. You may make larger payments without penalty and this may reduce the total amount of finance charges you will pay. If you pay more than the minimum payment due in any month and there is still a balance due, you must continue to make minimum payments in future months. Any partial payment of your loan will not advance your next payment due date(s). You understand and agree any payment that delays or accelerates the repayment of your unpaid balance will increase or decrease your monthly periodic finance charge. You understand and agree payments made at any other address than as specified by Rize CU may result in a delay in processing and/or crediting.

Payments by automatic transfer

If you request payment by automatic transfer, you understand and agree no payment can or will be made if there are insufficient or uncollected funds in the designated sub-account to make the scheduled loan payment. Should this event occur, you understand and agree you will not be released from making the payment. Any automatic transfer you have requested will remain in effect until you cancel it in writing or the agreement is paid in full. RizeCU may cancel this service at Rize CU’s discretion.

Payments marked “paid in full”

Rize CU may accept checks, money orders, or other types of payment marked “payment in full” or using other language to indicate satisfaction of any indebtedness, without being bound by such language or waiving any rights under this agreement. Satisfaction of indebtedness shall be accepted by Rize CU only in a written agreement, signed by a Rize CU authorized representative.

Default

You will be considered to be in default if:

You do not pay on time or in the proper amount;
You fail to adhere to any of the terms of this agreement;
Any representation or statement made to Rize CU by you or on your behalf is false or misleading either now or at the time made or furnished;
A material change occurs in your ownership or organizational structure, any change in ownership will be deemed material when ownership is closely held;
You liquidate or dissolve, or enter into any consolidation, merger, partnership, or joint venture;
You sell any assets except in the ordinary course of your business as now conducted, or sell, lease, assign, or transfer any substantial part of your business or fixed assets or any property or other assets necessary for the continuance of your business as now conducted including, without limitation, the selling of any property or other assets accompanied by the leasing back of the same;
You cease doing business, become insolvent, a receiver is appointed for all or any part of your property, you make an assignment for the benefit of creditors or any proceeding is commenced either by you or against you under any bankruptcy or insolvency laws or any other law or laws relating to debtors;
Any guaranty of your indebtedness to Rize CU, whether related or unrelated to your account, ceases to be in full force and effect or is declared to be null and void; the validity or enforceability thereof is contested in a judicial proceeding; any guarantor denies he, she, or it has any further liability under such guaranty; or any guarantor defaults in any provision of any guaranty, or any financial information provided by any guarantor is false or misleading;
You or any guarantor, whether on your account or any unrelated amount owed to Rize CU by you, dies; if you are a sole proprietorship, the owner dies; if you are a partnership, any general or managing partner dies; if you are a corporation, any principal officer or 10% or greater shareholder dies; if you are a limited liability company, any managing member dies; if you are any other form of business entity any person(s) directly or indirectly controlling 10% or more of the ownership interests of such entity dies;
Any creditor tries to take any of your property on or in which Rize CU has a lien or security interest, whether related or unrelated to your account, including garnishment of any of your accounts with Rize CU;
A judgment(s) is entered against you or any guarantor(s), whether on your account or any unrelated amount owed to Rize CU by you, in the aggregate amount of $250 or more that is not satisfied within 30 days or stayed pending appeal;
An involuntary lien(s) is attached to any of your or any guarantor’s assets or property, whether on your account or any unrelated amount owed by you to Rize CU) and not satisfied within 30 days or stayed pending appeal;
An adverse change occurs in your financial condition or applicable credit histories;
RizeCU in good faith deems you insecure;
You are in default under any agreement for borrowed money or any other material contract, or
Any of the events described in this default section occurs concerning any guarantor.

Cross default

You understand and agree any breach or default of the terms or conditions under this agreement shall also be deemed to be a default of any other loans or lines of credit you now have with Rize CU or obtain in the future. Further, you understand and agree your breach or default of the terms and conditions of any other loan or line of credit with Rize CU shall be deemed to be a default of the terms and conditions of this agreement. This cross-default provision shall not apply to any loan or line of credit secured by real property or where otherwise prohibited by applicable law.

Cross-collateralization

You understand and agree the personal property security for each loan, line of credit, and credit card account you have with Rize CU, and any proceeds thereof, if any, shall secure this account and any other loans, lines of credit, and credit card accounts you now have with Rize CU or obtain in the future. In addition, any personal property, and any proceeds thereof and all insurance proceeds and insurance premium refunds, securing other loans, lines of credit, and credit card accounts you now have with Rize CU or obtain in the future will also secure all funds advanced by Rize CU under this agreement. This cross-collateralization clause shall not apply to any loan, line of credit, or credit card account secured by real property or where otherwise prohibited by applicable law.

Our right upon default

Upon default, the entire unpaid principal balance of your account and all accrued and unpaid interest thereon and all other sums owing, less any unearned refundable charges, subject to legal limits, will be immediately due and payable, and you will immediately pay that amount, and Rize CU may, but are not required to, immediately terminate or suspend making advances or otherwise extending any further credit to you under this agreement. You understand and agree you will be subject to finance charges, at the applicable monthly periodic rate, late charges, overlimit fees, and collection-related charges under the terms disclosed in this agreement until you repay your entire loan.

Upon your failure to pay all amounts due under this agreement, Rize CU may, at Rize CU’s option and if not prohibited by applicable law, immediately increase the APR for each balance on your account to 18%, a corresponding daily periodic rate of 1.50%), so long as the APR does not exceed the maximum rate permitted federal credit unions.

Rize CU may hire or pay a third party to help collect your account if you do not pay. You will pay Rize CU for any collection costs incurred. This includes, subject to any limits under applicable law, our attorneys’ fees and legal expenses, including attorneys’ fees and legal expenses for bankruptcy proceedings, civil actions, arbitration proceedings, declaratory actions, or other filings or proceedings, declaratory efforts to modify or vacate any automatic stay, or injunction, appeals, and any anticipated post-judgment collection services. You will also pay any court costs in addition to all other sums provided or allowed by law.

Termination other than by default

Upon 30 days prior written notice to you, Rize CU may terminate your account and demand full payment for all advances thereunder, together with accrued finance charges thereon and all other amounts owing under the account, less any unearned refundable charges, subject to legal limits. If Rize CU does so, Rize CU will not allow any further advances to you under this agreement, and you agree to return or destroy any cards or other access devices immediately. If a request for an advance is presented to Rize CU for payment after Rize CU terminates your account and Rize CU processes it for payment or you otherwise obtain an advance, you agree Rize CU may add the amount of that advance to your outstanding account balance. In no event will any termination relieve you of your obligation to repay sums already borrowed, finance charges, late charges, overlimit charges, and collection-related charges, if any. You may terminate your account at any time by:

Paying Rize CU in full the outstanding and unpaid principal balance plus accrued interest thereon and all other sums due, less any unearned charges;
Notifying Rize CU in writing you are terminating your account and
Immediately returning or destroying all cards and other access devices.

Security interest; right of setoff

You grant to Rize CU a contractual, possessory security interest in, and hereby assign, convey, deliver, pledge, and transfer to Rize CU all of your right, title, and interest in and to your Rize CU business checking account, your other accounts, if any, with Rize CU or any of our affiliates, whether savings, business checking account, money market, or some other account, including, without limitation, all accounts you may open in the future, excluding all IRA, SEP, Keogh, and certain trust accounts. You authorize Rize CU and each of our affiliates, to the extent permitted by applicable law, to charge or setoff all sums owing under the agreement against any such accounts and, at Rize CU’s option, to administratively freeze all such accounts to allow Rize CU to protect Rize CU’s charge and setoff rights provided in this paragraph or applicable law.

Collateral requirement

If Rize CU requires collateral for your account, you agree to execute a security agreement and other documents Rize CU deems reasonably necessary to perfect the security interest in the collateral. You authorize Rize CU to file financing statements naming you as debtor and describing the collateral.

Insurance requirements

You may be required to obtain insurance acceptable to Rize CU on any physical collateral securing your account. If required, you may obtain insurance through a company of your choice that is satisfactory to Rize CU. Subject to applicable law, if you fail to obtain or maintain the required insurance, Rize CU may purchase insurance to protect Rize CU’s interest and add the premium to your account balance, and/or declare your account in default.

Financial information and reevaluation of credit

You and each guarantor, if any, authorize Rize CU to obtain business and personal credit bureau reports in your and any guarantor’s name, respectively, at any time and from time to time. You and each guarantor, if any, agree to submit current financial information, a new credit application, or both, in your name and the name of each guarantor, respectively, at any time and from time to time, promptly upon our request. Based on a review of this information, you understand and agree Rize CU may, at any time and from time to time, at RizeCU’s sole discretion and subject to any applicable notice requirements, increase or decrease your credit limit, increase or decrease your APR, or terminate this agreement, as permitted by applicable law. Rize CU may report credit experiences with you and any guarantor of your account to third parties. You also agree Rize CU may release information to comply with governmental reporting or legal process that Rize CU believes may be required, whether or not such is required, or when necessary or helpful in completing a transaction, or when investigating a loss or potential loss. You are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the credit obligations hereunder.

Transacción del extranjero

Purchases made using a RizeCU card in foreign countries and currencies will be billed in U.S. dollars. The conversion rate to dollars will be made under the operating regulations for international transactions established by Visa International, Inc.

If a transaction is made at a merchant or ATM using a currency other than U.S. dollars, Visa International, Inc. will convert the charge into a U.S. dollar amount. Visa will use the government-mandated conversion rate in U.S. dollars or a wholesale currency market rate based on the transaction processing date.

You understand Rize CU has no control over the conversion rate and the currency conversion rate used by Visa on the processing date may differ from the rate that would have been used on the purchase date or the cardholder statement posting date.

A separate Visa International Service Assessment (ISA) fee finance charge of 3% will apply for each foreign currency transaction. The ISA fee will be charged directly to Rize CU and passed through to you, appearing on your periodic statement as an additional charge.

Guaranty

Each guarantor jointly, severally, and unconditionally guarantees payment of and agrees to pay to Rize CU upon demand all present and future obligations at any time outstanding under your account under this agreement or any extension, renewal, or modification hereof. The obligations under this guaranty are independent, and each guarantor agrees as follows:

Rize CU may obtain consumer credit reports and provide information to others regarding such guarantor;
Such guarantor will pay all Rize CU’s expenses, including attorneys’ fees, incurring in enforcing all obligations under this agreement, including this guaranty; and
Such guarantor hereby grants Rize CU a security interest in all deposit accounts that such guarantor may maintain with Rize CU or any affiliates, excluding IRA, Keogh, SEP, and certain trust accounts. This is a guarantee of payment and performance and not of collection. To the extent permitted by law, each guarantor waives:
1. Any right to require Rize CU to proceed against any other person associated with the account;
2. Any right to require Rize CU to proceed against or exhaust any security held by Rize CU at any time or to pursue any other remedy before proceeding against such guarantor;
3. All notices of any kind or the lack of any notice, including notice of any new or additional indebtedness, any modification of any obligation, or obligation or notice of any action or non-action on the part of you, us, any guarantor, or any other person;
4. Any defense based upon an election of remedies by Rize CU;
5. Any right or claim of right to cause a marshaling of your assets or any guarantor;
6. Any invalidity, irregularity, or unenforceability, in whole or in part, of this agreement;
7. Any right or claim of right to agree to any modification of any obligation and any modifications of any of your obligations relating to this account by operation of law or by action of any court, whether according to the bankruptcy act or any other federal or state debtor relief law;
8. Any action, occurrence, event, or matter consented to by such guarantor; and
9. The benefits of any statutory or other provision limiting the liability of a surety to the extent of any conflict between the foregoing waivers and any waivers contained in this agreement, provided the waiver in each instance most expansive and beneficial to Rize CU will be deemed to control.

Miscellaneous: Delay or Waiver of Enforcement

Rize CU may delay or waive the enforcement of any rights under this agreement or applicable law, without losing the delayed or waived right or any other right. If Rize CU delays or waives any rights, Rize CU may enforce that right at any time in the future without advance notice. For example, not terminating your account for non-payment will not constitute any waiver of the right to terminate your account in the future if you have not paid as required by this agreement.

Notices

Except as otherwise provided in this agreement, notice under this agreement must be in writing. Notices will be deemed given when deposited in U.S. mail, postage prepaid, first class mail, when delivered in person, or when sent by registered mail, by certified mail, or by nationally recognized overnight courier. Notice to you will be sent to your last known address in our records for this account, attention: Program Administrator. Notice to any of you will be deemed notice to all of you. Notice to Rize CU may be sent to Rize Federal Credit Union, PO Box 8017, El Monte, CA, 91734, Attention: Payments. You agree to notify Rize CU immediately if you change your name, your address, or other contact information or your employer, if there are any errors in your periodic statement, if you lose any access device, or if any access service or device is compromised, if any unauthorized person uses your account or if any of you dies, is declared incompetent, or is the subject of a bankruptcy or insolvency proceeding. You agree a notice of incompetence is not effective unless issued by a court having jurisdiction, and Rize CU receives notice and instruction from the court. Notwithstanding the above, RizeCU may accept other evidence of incompetence if acceptable, and you agree to indemnify and hold RizeCU harmless from and against any claims relating to acceptance or non-acceptance of proof of incompetence in any transaction. This indemnity will survive the termination of your account and this agreement.

Unauthorized use

You may be liable for the unauthorized use of the card and/or the account. You will not be liable for unauthorized use occurring after you provide notification by calling 800.866.6474 or when notice is received in writing at PO Box 8017, El Monte, CA, 91734, of the loss, theft, or possible unauthorized use. In any case, your liability for unauthorized use will not exceed $50. Your liability may be lower in cases of Visa credit card fraud under current Visa U.S.A., Inc. Operating Regulations.

Waiver of notices and other terms

Except for any notices provided for in this agreement, you and any person who has obligations under this agreement, to the extent not prohibited by applicable law, hereby waive demand, notice of nonpayment, notice of intention to accelerate, notice of acceleration, presentment, protest, notice of dishonor, and notice of protest. To the extent permitted by applicable law, you and any person who has obligations under this agreement also agree Rize CU is not required to file suit, show diligence in collection against you or any person who has obligations according to this agreement, or proceed against any collateral; Rize CU may, but will not be obligated to, substitute, exchange, or release any collateral; Rize CU may release any collateral, or fail to realize upon or perfect security interest in any collateral; Rize CU may, but will not be obligated to, use one or more persons without joining or suing others; and may modify, renew, or extend this agreement repeatedly and for any length of time without notice to or approval by any person who has obligations under this agreement other than the party with whom the modification, renewal, or extension is made.

Tax consequences

You understand neither Rize CU nor any employees or representatives make any representation or warranty whatsoever concerning the tax consequences of your establishing and using your account, including the deductibility of interest, and neither RizeCU nor any employees or representatives will be liable in the event interest on your account is not deductible. You should consult your tax advisor for guidance on this subject.

Transfer and assignment

Without prior notice or approval by you, Rize CU reserves the right to sell or transfer all or any portion of our interest in this agreement to another lender, entity, or person. Your rights and obligations under this agreement belong solely to you and may not be transferred or assigned by you. Your obligations, however, are nonetheless binding upon you and your heirs, legal representatives, successors, and assigns.

Governing law

This agreement is entered into and will be performed in California, and all questions relating to its validity, interpretation, performance, and enforcement shall be governed by and construed per the internal laws of the State of California, notwithstanding any conflict-of-laws doctrines of such state or other jurisdiction to the contrary. You agree to submit to the personal jurisdiction of the courts of the State of California.

Interpretation

The headings given to paragraphs or sections in the agreement are for convenience of reference only. They are not to be used to interpret or define the provisions of this agreement. This agreement is the best evidence of your agreement with Rize CU. If a court responsible for interpreting the agreement finds that any provision of this agreement is not valid or should not be enforced, that fact by itself will not mean the rest of the agreement will not be valid and enforced and, to the extent permitted by law, the rest of the agreement is therefore binding, valid, and enforceable. If you or Rize CU go to court or otherwise seek to enforce the agreement, Rize CU may, to the extent permitted by law, use a copy, filmed or electronic, of any periodic statement, the agreement, or any other document to prove what you owe Rize CU or a transaction has taken place. The copy of the microfilm, microfiche, or optical image will have the same validity as the original. You agree, except to the extent you can show there is a manifest billing error, Rize CU’s most current periodic statement, if any, is the best evidence of your obligation to pay.

Future service

The application for this account also serves as a request to receive offers of any related new services, such as access devices, which may be available from Rize CU at some future time and for which Rize CU considers you to be eligible, in sole discretion, reasonably exercised. You understand this request is voluntary, and you may refuse any of these new services at the time they are offered. You further understand the terms and conditions of this agreement, together with any specific terms covering the new service, will govern any transactions made according to any of these new services.

Change in terms

This agreement is the contract that applies to all transactions on the account, even though the sales, cash advance, credit, or other slips you sign or receive may contain different terms. You understand and agree Rize CU may amend, modify, add to, or delete from this agreement any of its terms and conditions, including the method of application and the amount of finance charge, effective as to any unpaid balance outstanding and any subsequent advance, by mailing a notice of the change to you at your last known address. You also understand any such notice will be mailed at least 15 days before the effective date of the change as required by federal or other law. Notice of a change in terms is required but may be sent as late as the effective date of the change where the change has been agreed to, in writing, by you.

Monitoring and recording communications

To ensure a high quality of service, Rize CU may monitor and/or record telephone calls between you and Rize CU employees. You acknowledge Rize CU may do so and agree in advance to any such monitoring or recording of telephone calls.

This agreement represents the final agreement between the parties and, to the fullest extent permitted by applicable law, may not be contradicted by evidence of prior, contemporaneous, or subsequent oral agreements of the parties. There are no unwritten or oral agreements between the parties.

Acknowledgment

You acknowledge having read and understood all the provisions of this agreement. You agree to the terms of this agreement unless notified otherwise by Rize CU in writing before the first advance that includes your signature or the signature of an authorized user or any use of your card, by you or an authorized user, whichever occurs first. You agree to sign and, if appropriate, have authorized users sign in the space provided for authorized signatures on your card, before any use of your card.

Signatures

Your signature, including any electronic or digital signature, on any application or any other document required by Rize CU in connection with this agreement or your account, such as any personal guarantees or security agreements, is hereby incorporated into and made a part of this agreement.

Membership requirement

You understand and agree that the business must be and remain a member in good standing with us to be eligible for continuing Account and/or Card privileges, including future purchases and advances. You understand and agree that we may suspend the Account and/or Card privileges during any period in which the business does not maintain its membership with us.

Business Visa Credit Card Guide to Benefits

These benefits are provided to Rize Credit Union (Rize CU) Business Visa cardholders at no additional cost. Subsequent endorsements may modify the terms and conditions contained in this guide. The terms and conditions may be modified via mail, statement insert, statement message, or electronic notification. The benefits described in this guide will not apply to cardholders whose accounts have been suspended or canceled. Rize CU can cancel or non-renew these benefits, and if we do, we will notify you at least 30 days in advance.

Auto Rental Collision Damage Waiver

Effective January 2025

No cardholder wants to incur the expense of repairing or replacing a rented car. But accidents do happen, and vehicles do get stolen.

You are eligible for this benefit if your name is embossed on your Rize Credit Union (Rize CU) card or if you are authorized by your company to rent an eligible vehicle using the company’s card, as long the rental is purchased entirely with the card. Only you, as the primary renter of the vehicle, and any additional drivers permitted by the rental car agreement are covered

How auto rental collision damage waiver works with other insurance

Auto rental collision damage waiver covers theft, damage, valid loss-of-use charges imposed and substantiated by the auto rental company, administrative fees and reasonable and customary towing charges due to a covered theft or damage to the nearest qualified repair facility.

If the rental vehicle is for commercial and/or business purposes, the auto rental collision damage waiver benefit acts as primary coverage, and you may be reimbursed for up to the actual cash value of the vehicle.

If the rental vehicle is for personal reasons, this benefit is secondary coverage, supplemental to your personal automobile insurance, meaning you may only be reimbursed for the amount of your personal insurance deductible or other charges, including valid administrative and loss-of-use charges not covered under your personal insurance policy. If you are renting outside your country of residence or if you do not have automobile insurance, an auto rental collision damage waiver acts as primary coverage.

How to use auto rental collision damage waiver

Use your Rize CU card to initiate and complete your entire car rental transaction.
Review the auto rental agreement and decline the rental company’s collision damage waiver option, or a similar provision, as accepting this coverage will cancel out your benefit. If the rental company insists you purchase their insurance or collision damage waiver, call the benefits administrator for assistance at 800.348.8472. Outside of the U.S., call collect at 1.804.673.1164.

Before you leave the lot, be sure to check the car for any prior damage

This benefit is in effect during the time the rental car is in your or an authorized driver’s control, and it terminates when the rental company reassumes control of their vehicle.

This benefit is available in the U.S. and most foreign countries, with the exception of Israel, Jamaica, the Republic of Ireland and Northern Ireland. However, this benefit is not available where precluded by law, where it’s in violation of the territory terms of the auto rental agreement, or when prohibited by individual merchants. Because regulations vary outside the U.S., check with your auto rental company and the benefits administrator before you travel to be sure an auto rental collision damage waiver will apply.

Vehicles not covered

An antique car is defined as one that is over 20 years old or has not been manufactured for 10 years or more.

Vans are not covered. But those designed as small-group transportation vehicles, with seating up to nine people, including the driver, are covered.

Related instances and losses not covered

Any obligation you assume under any agreement other than the deductible on your personal auto policy
Any violation of the auto rental agreement or this benefit
Injury of anyone or damage to anything, inside or outside the rental vehicle
Loss or theft of personal belongings
Personal liability
Expenses assumed, waived, or paid by the auto rental company or its insurer
The cost of any insurance or collision damage waiver offered by or purchased through the auto rental company
Depreciation of the rental vehicle caused by the incident including, but not limited to, “diminished value”
Expenses reimbursable by your insurer, employer, or employer’s insurance
Theft or damage due to intentional acts, or due to the driver(s) being under the influence of alcohol, intoxicants, or drugs, or due to contraband or illegal activities
Wear and tear, gradual deterioration, or mechanical breakdown
Items not installed by the original manufacturer
Damage due to off-road operation of the rental vehicle
Theft or damage due to hostility of any kind, including, but not limited to, war, invasion, rebellion, insurrection, or terrorist activities
Confiscation by authorities
Vehicles that do not meet the definition of covered vehicles
Rental periods that either exceed or are intended to exceed 31 consecutive days
Leases and mini-leases
Theft or damage as a result of the authorized driver’s and/or cardholder’s lack of reasonable care in protecting the rental vehicle before and/or after the damage or theft occurs; for example, leaving the car running and unattended
Theft or damage reported more than 45 days¹ after the date of the incident
Theft or damage for which a claim form has not been received within 90 days¹ from the date of the incident
Theft or damage for which all required documentation has not been received within 365 days after the date of the incident
Theft or damage from rental transactions that originated in Israel, Jamaica, the Republic of Ireland, or Northern Ireland
Losses caused by or resulting from a cyber incident

Filing a claim

You should report the theft or damage as soon as possible but no later than 45 days from the date of the incident.

What you must submit to file a claim

At the time of the theft or damage, or when you return the rental vehicle, ask your car rental company for the following documents:

A copy of the accident report form
A copy of the initial and final auto rental agreements – front and back
A copy of the repair estimate and itemized repair bill
Two photographs of the damaged vehicle, if available
A police report, if obtainable
A copy of the demand letter which indicates the costs you are responsible for and any amounts that have been paid toward the claim

Submit all of the above documents from the rental company, along with the following documents, to the benefit administrator:

The completed and signed auto rental collision damage waiver claim form within 90 days¹ of theft or damage date, even if all other required documentation is not yet available – or your claim may be denied
A copy of your monthly billing statement showing the last four digits of the account number, demonstrating the entire rental transaction was made on your eligible account
If the rental was for personal use, a statement from your insurance carrier and/or your employer or employer’s insurance carrier, if applicable, or other reimbursement showing the costs for which you are responsible, and any amounts that have been paid toward the claim. Or, if you have no applicable insurance or reimbursement, a statement of no insurance or reimbursement is required
If the rental was for personal use, a copy of your primary insurance policy’s declarations page, if applicable, to confirm your deductible. This means the document(s) in your insurance policy that lists names, coverages, limits, effective dates, and deductibles
Any other documentation required by the benefit administrator to substantiate the claim

Finally, please note all remaining documents must be postmarked within 365 days¹ of the theft or damage date or your claim may be denied.

For faster filing, or to learn more about auto rental collision damage waiver, visit eclaimsline.com.

Finalizing your claim:

Your claim will typically be finalized within 15 days after the benefits administrator has received all documentation needed to substantiate your claim.

Transference of claims:

¹Not applicable to residents in certain states

Additional provisions

Signed or pinned transactions are covered as long as you use your Rize CU card to secure the transaction.
You shall do all things reasonable to avoid or diminish any loss covered by this benefit. This provision will not be unreasonably applied to avoid claims.
If you make any claim knowing it to be false or fraudulent in any respect, no coverage shall exist for such claim, and your benefit may be canceled. Each cardholder agrees representations regarding claims will be accurate and complete. Any relevant provisions shall be void in any case of fraud, intentional concealment, or misrepresentation of material fact.
No legal action for a claim may be brought against the provider until 60 days after the provider receives proof of loss. No legal action against the provider may be brought more than two years after the time for giving proof of loss. Further, no legal action may be brought against the provider unless all the terms of the Guide to Benefits have been complied with fully.
This benefit is provided to eligible cardholders at no additional cost. Subsequent endorsements may modify the terms and conditions contained in this Guide to Benefits. The terms and conditions may be modified via additional Guide to Benefits mailings, statement inserts, statement messages, or electronic notification. The benefits described in this Guide to Benefits will not apply to cardholders whose Accounts have been suspended or canceled.
Rize CU can cancel or non-renew the benefits for cardholders, and if the Credit Union does, you’ll be notified at least 30 days in advance. Indemnity Insurance Company of North America (provider) is the underwriter of these benefits and is solely responsible for its administration and claims. The benefit administrator provides services on behalf of the provider.
After the benefit administrator has paid your claim, all your rights and remedies against any party in respect of this claim will be transferred to the benefit administrator to the extent of the payment made to you. You must give the benefit administrator all assistance as may reasonably be required to secure all rights and remedies.
This benefit does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit the provision of insurance, including, but not limited to, the payment of claims.

¹Not applicable to residents in certain states

Extended Warranty Protection

Effective January 2025

Product warranties can be inconvenient and cumbersome to use.

Here’s how warranty registration works

The benefit administrator will tell you where to send your item’s sales receipt and warranty information, so they can be kept on file should you need them.

Here’s how extended protection works

What extended protection does not cover

Boats, automobiles, aircraft, and any other motorized vehicles and their motors, equipment, or accessories, including trailers and other items that can be towed by or attached to any motorized vehicle
Any costs other than those specifically covered under the terms of the original manufacturer’s written U.S. repair warranty, as supplied by the original manufacturer, or other eligible warranty
Items purchased for resale
Real estate and items that are intended to become part of real estate, including, but not limited to, items that are hard-wired or hard-plumbed, garage doors, garage door openers, and ceiling fans
Rented or leased items
Computer software
Medical equipment
Used or pre-owned items. Refurbished items will be covered as long as it has a warranty with it and would not be considered used or pre-owned
Losses caused by or resulting from a cyber incident

Filing a purchase security claim

If you received or purchased a service contract or an extended warranty when you purchased your item, this benefit will supplement and exceed that coverage.

What you must submit to file a claim:

Fill out and sign the claim form the benefits administrator sent you, then submit the form within 90 days of the product failure, along with the following documents:

A copy of your monthly billing statement showing the last four digits of the account number, demonstrating the purchase was made on your Rize CU card
If more than one method of payment was used, please provide documentation as to additional currency, voucher, points or any other payment method utilized
A copy of the itemized sales receipt
A copy of the original manufacturer’s U.S. warranty, and any other applicable warranty
A description of the item and its serial number, and any other documentation deemed necessary to substantiate your claim, this includes bills and, if necessary, a copy of the maintenance records and receipts
The original repair estimate or repair bill, indicating cause of failure
Any other documentation deemed necessary by the benefits administrator to substantiate the claim

All claims must be fully substantiated.

For faster filing or to learn more about purchase security, visit CardBenefitServices.com.

How you will be reimbursed

In either case, the benefits administrator’s payment, replacement, or repair made in good faith will fulfill the obligation under this benefit.

Additional provisions for extended protection

Signed or pinned transactions are covered as long as you use your Rize CU card to secure the transaction.
You shall do all things reasonable to avoid or diminish any loss covered by this benefit. This provision will not be unreasonably applied to avoid claims.
If you make any claim knowing it to be false or fraudulent in any respect, no coverage shall exist for such claim, and your benefit may be canceled. Each cardholder agrees representations regarding claims will be accurate and complete. Any relevant provisions shall be void in any case of fraud, intentional concealment, or misrepresentation of material fact.
No legal action for a claim may be brought against the provider until 60 days after the provider receives proof of loss. No legal action against the provider may be brought more than two years after the time for giving proof of loss. Further, no legal action may be brought against the provider unless all the terms of the Guide to Benefits have been complied with fully.
This benefit is provided to Rize CU cardholders at no additional cost. Subsequent endorsements may modify the terms and conditions contained in this Guide to Benefits. The terms and conditions may be modified via additional Guide to Benefits mailings, statement inserts, statement messages, or electronic notification. The benefits described in this guide will not apply to cardholders whose Rize CU accounts have been suspended or canceled.

Purchase Security

Effective January 2025

Life is full of surprises… some good surprises and some not-so-good.

You are eligible for this benefit if you are a Rize CU Visa cardholder. Gifts purchased for friends and family members may also be covered if they are purchased with your Rize CU card.

Purchase security covers

Eligible items of property purchased with your Rize CU card are covered for theft or damage. Purchases made outside the U.S. are also covered as long as you purchase the item with your Rize CU card.

Purchase security does not cover

Animals and living plants
Antiques or collectible items
Boats, aircraft, automobiles, and any other motorized vehicles and their motors, equipment, or accessories, including trailers and other items towable or attachable to any motorized vehicle
Broken items, unless the result of a covered occurrence
Computer software
Items damaged as a result of weather other than lightning, wind, hail, rain, sleet, or snow
Items purchased or resale, either professional or commercial use
Items stolen from cars or other vehicles or common carriers
Items that are lost or “mysteriously disappear,” meaning they vanished in an unexplained manner with no evidence of wrongdoing
Items under the control and care of a common carrier, including the U.S. postal service, airplanes, or a delivery service
Items in your baggage, unless hand carried, under your supervision, or that of a companion you know, include jewelry and watches, among other things
Theft or damage stemming from abuse, fraud, hostilities (war, invasion, rebellion, insurrection, terrorist activities, and more); confiscation by authorities, if contraband or illegal, normal wear and tear, flood, earthquake, radioactive contamination, damage from inherent product defects
Theft or damage from misdelivery or voluntarily parting with property
Medical equipment
Perishable or consumable items, including cosmetics, perfumes, rechargeable batteries, among others
Real estate and items intended for real estate, including hard-wired and hard-plumbed items, garage doors and openers, ceiling fans, among other items
Rented and leased items
Traveler’s checks, cash, tickets, credit or debit cards, among other negotiable purchased instruments
Items used or pre-owned. Refurbished items will not be considered used or pre-owned as long as they are accompanied by a warranty
Losses caused by or resulting from a cyber incident

Filing a purchase security claim

Call the benefits administrator for assistance at 800.348.8472, or call collect outside of the U.S. at 1.804.673.1164 within 60 days of the damage or theft – if you wait longer, coverage may be denied. The Benefit Administrator will ask for some preliminary claim information, answer your questions and send You a claim form. When you submit your claim, be sure to include all information regarding your claim, including the time, place, cause, and amount required to either replace or repair the item.

For faster filing or to learn more about purchase security, visit CardBenefitServices.com.

Gift recipients may file their own claims if they have the necessary substantiating documents.

Please submit the following documents:

Your signed and completed claim form
A copy of your monthly billing statement showing the last four digits of the account number, demonstrating the purchase was made on your Rize CU card
If more than one method of payment was used, please provide documentation as to additional currency, voucher, points or any other payment method utilized
A copy of the itemized store receipt demonstrating the purchase was made on Rize CU card
A copy of the documentation of any other settlement of the loss, if applicable
If the item is repairable, the estimate of repair or a copy of the paid receipt/invoice for the repairs, indicating the type of damage to the claimed item, if applicable
A copy of the police report made within 48 hours of the occurrence in the case of theft or fire or incident report to substantiate the loss. If the loss was not reported, please provide a replacement receipt or other sufficient proof of loss deemed eligible solely by your benefits specialist, if applicable
Any other documents necessary to substantiate your claim

In some cases of damage, you will be asked to send the damaged item along with your claim at your expense to substantiate the claim, so make sure to keep the damaged item in your possession.

Please note your maximum recovery under the purchase security benefit is the purchase price of the item, not to exceed the coverage limit.

Please return your signed and completed form with all documentation within 90 days of the date of theft or damage.

How will I be reimbursed?

Once You’ve met the conditions of this benefit, the Benefit Administrator will resolve Your claim in one of two ways:

A damaged item may be repaired, rebuilt, or replaced, while a stolen item will be replaced. Typically, you will receive notice about this decision within 15 days of receipt of your claim documentation.
You may receive payment to replace your item, an amount not more than the original purchase price, less shipping and handling charges, up to $10,000 per claim and $50,000 per cardholder. You will only be reimbursed up to the dollar amount to replace or repair the item or the program limit, whichever is less. Under normal circumstances, reimbursement will take place within five business days.

Additional provisions

Signed or pinned transactions are covered as long as you use your Rize CU card to secure the transaction.
You shall do all things reasonable to avoid or diminish any loss covered by this benefit. This provision will not be unreasonably applied to avoid claims.
If you make any claim knowing it to be false or fraudulent in any respect, no coverage shall exist for such claim, and your benefit may be canceled. Each cardholder agrees representations regarding claims will be accurate and complete. Any relevant provisions shall be void in any case of fraud, intentional concealment, or misrepresentation of material fact.
No legal action for a claim may be brought against the provider until 60 days after the provider receives proof of loss. No legal action against the provider may be brought more than two years after the time for giving proof of loss. Further, no legal action may be brought against the provider unless all the terms of the Guide to Benefits have been complied with fully.
This benefit is provided to eligible cardholders at no additional cost. Subsequent endorsements may modify the terms and conditions contained in this Guide to Benefits. The terms and conditions may be modified via additional Guide to Benefits mailings, statement inserts, statement messages, or electronic notification. The benefits described in this Guide to Benefits will not apply to cardholders whose Accounts have been suspended or canceled.
Rize CU can cancel or non-renew the benefits for cardholders, and if the Credit Union does, you’ll be notified at least 30 days in advance. Indemnity Insurance Company of North America (provider) is the underwriter of these benefits and is solely responsible for its administration and claims. The benefit administrator provides services on behalf of the provider.
After the benefit administrator has paid your claim, all your rights and remedies against any party in respect of this claim will be transferred to the benefit administrator to the extent of the payment made to you. You must give the benefit administrator all assistance as may reasonably be required to secure all rights and remedies.
This benefit does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit the provision of insurance, including, but not limited to, the payment of claims.

Roadside Dispatch

Effective January 2025

What is Visa Roadside Dispatch?

Roadside Dispatch is a pay-per-use roadside assistance program. The program provides you with security and convenience wherever your travels take you.

No membership or pre-enrollment is required. No annual dues. No limit on usage.

Current fee for a standard service call is $79.95. Fees are subject to change at any time; however, callers will be notified of pricing prior to any service dispatch.

Program provides:

Standard towing
Members must pay service provider for mileage over 5 miles. A secondary unit being towed behind is not included but can be accommodated for an additional fee.¹
Tire changing – must have good, inflated spare
Jump starting
Lockout service (no key replacement)
Fuel delivery – up to 5 gallons, plus the cost of fuel
Standard winching
Standard winching applies within 100 feet of paved or county maintained road only. Additional fees may apply under certain circumstances.

Additional terms

This program may be discontinued at any time without prior notice. Program void where prohibited.

Travel Accident Insurance

Effective January 2025

Eligibility and period of coverage

Beneficios

Loss	Percentage
Vida	100%
Both hands or both feet	100%
Sight of both eyes	100%
One hand and one foot	100%
Speech and hearing	100%
One hand or one foot	50%
Speech or hearing	50%
Thumb and index finger on the same hand	25%

Additional provisions

State amendments

Questions

Answers to specific questions can be obtained by writing to:

Plan Administrator
cbsi Card Benefit Services
550 Mamaroneck Ave, Suite 309
Harrison, NY 10528

Underwritten by
Virginia Serety Company, Inc.
175 W Jackson Blvd
Chicago, IL 60604

Travel & Emergency Assistance Services

Effective January 2025

These benefits are provided to eligible Rize Credit Union (Rize CU) cardholders at no additional cost. The terms and conditions contained in this guide to benefits may be modified by subsequent endorsements. Modifications to the terms and conditions may be provided via an additional guide to benefits mailings, statement inserts, statement messages or electronic notifications. The benefits described in this guide will not apply to cardholders whose Rize CU cards have been suspended or canceled. Rize CU can cancel or non-renew the benefits for cardholders, and if they do, they will notify you at least 30 days in advance.

What are travel and emergency assistance services, and how do I use them when I need them?

To use the services, simply call the toll-free, 24-hour benefit administrator line at 800.992.6029. If you are outside the United States, call collect at 1.804.673.1675.

What are the specific services and how can them help me?

Emergency message service

Can record and relay emergency messages for travelers, their immediate family members or business associates. The benefits administrator will use reasonable efforts to relay emergency messages in accordance with benefit guidelines and limitations, but cannot take responsibility for the failure to transmit any message successfully.
Medial referral assistance

Provides medical referral, monitoring, and follow-up. The benefits administrator can give you names of local English-speaking doctors, dentists, and hospitals; assign a doctor to consult by phone with local medical personnel, if necessary, to monitor your condition; keep in contact with your family, and provide continuing liaison; and help you arrange medical payments from your personal accounts. All costs are your responsibility.
Legal referral assistance

Can arrange contact with English-speaking attorneys and U.S. embassies and consulates if you are detained by local authorities, have a car accident, or need legal assistance. In addition, the benefits administrator can coordinate bail payment from your personal accounts. The benefits administrator can also follow up to make sure bail has been properly handled. All costs are your responsibility.
Emergency transportation assistance

Can help you make all the necessary arrangements for emergency transportation home or to the nearest medical facility. This includes arranging to bring your immediate family members or business associates home and helping you stay in contact with family members or employers during the emergency. In the case of a death, the benefits administrator can make arrangements to repatriate the remains. All costs are your responsibility.
Emergency ticket replacement

It will help you through your carrier’s lost ticket reimbursement process and assist in delivering a replacement ticket to you if you lose your ticket. All costs are your responsibility.
Lost luggage locator service

Can help you through the common carrier’s claim procedures or can arrange shipment of replacement items if an airline or common carrier loses your checked luggage. You are responsible for the cost of any replacement items shipped to you.
Emergency translation services

Provides phone assistance in all major languages and helps find local interpreters, if available, when you need more extensive assistance. All costs are your responsibility.
Prescription assistance and valuable document delivery arrangements

Can help you fill or replace prescriptions, subject to local laws, and can arrange pickup and delivery of your prescriptions filled for you at local pharmacies. It can also help transport critical documents you may have left elsewhere. All costs are your responsibility.
Pre-trip assistance

They can give you information on your destination before you leave, such as ATM locations, currency exchange rates, weather reports, health precautions, necessary immunizations, and required passport visas.

Additional provisions

Rize CU can cancel or non-renew the benefits for cardholders, and if the Credit Union does, you’ll be notified at least 30 days in advance.

Definitions:

cuenta – your credit or debit card accounts.
Actual cash value – the amount a rental vehicle is determined to be worth based on its market value, age, and condition at the time of loss.
Common currier – any mode of transportation by land, water, or air operating for hire under a license to carry passengers for which a ticket must be purchased before travel. Does not include taxi, limousine service, commuter rail, or bus lines.
Computer programs – a set of related electronic instructions that direct the operations and functions of a computer or device connected to it, which enable the computer or device to receive, process, store, retrieve, or send data.
Cyber incident – Any of the following acts:
1. Unauthorized access to or use of your digital data or a covered purchase;
2. Alteration, corruption, damage, reduction in functionality, manipulation, misappropriation, theft, deletion, erasure, loss of use, or destruction of your digital data or a covered purchase;
3. Transmission or introduction of a computer virus or harmful code, including ransomware, into or directed against your digital data or a covered purchase;
4. Restriction or inhibition of access to or directed against your digital data or a covered purchase; or
5. Computer errors, including human operating error or omission; power failure, surge, or diminution of electronic systems; or mistakes in legitimate electronic code or damage from code installed on a covered purchase during the manufacturing process, upgrade process, or normal maintenance.
Digital data – information, concepts, knowledge, facts, images, sounds, instructions, or computer programs stored as or on, created or used on, or transmitted to or from computer software, including systems and applications software, on hard or floppy disks, CD-ROMs, tapes, drives, cells, data processing devices, or any other repositories of computer software which are used with electronically controlled equipment. digital data shall include the capacity of a covered purchase to store process, and transmit information over the Internet.
Eligible person – a cardholder who pays for their auto rental by using their eligible account.
Immediate family member – your spouse or dependent children under 22 years old.
Rental car agreement – the entire contract an eligible renter receives when renting a vehicle from a rental car agency, which describes in full all of the rental terms and conditions and the responsibilities of all parties under the contract.
Rental vehicle – a land motor vehicle with four or more wheels, as described in the participating organization’s disclosure statement, that the eligible renter has rented for the period shown on the rental car agreement and does not have a manufacturer’s suggested retail price exceeding the amount shown on the participating organization’s disclosure statement.
You or your – an eligible person residing in the U.S. whose name is embossed on the Rize CU Visa credit card.

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Divulgaciones de Visa

Interest Rates & Charges

Visa Platinum – variable rate

Secured Platinum – variable rate

Teen Platinum – fixed rate

Fees

Emergency message service

Medial referral assistance

Legal referral assistance

Emergency transportation assistance

Emergency ticket replacement

Lost luggage locator service

Emergency translation services

Prescription assistance and valuable document delivery arrangements

Pre-trip assistance

Emergency message service

Medial referral assistance

Legal referral assistance

Emergency transportation assistance

Emergency ticket replacement

Lost luggage locator service

Emergency translation services

Prescription assistance and valuable document delivery arrangements

Pre-trip assistance