US Dollar Debit Card - Terms and Conditions

By using your Unionbank Visa US DOLLAR card you unconditionally agree to be bound by the laws, rules, regulations, and official issuances applicable on the matter, now existing or which may hereinafter be enacted, issued or enforced. All the Terms and Conditions in the Unionbank Visa US DOLLAR card Agreement have been read and understood by you as evidenced by your signature on the application form, VISA US DOLLAR Card and/or charge/sales slip.

These terms and conditions comprise the agreement between UnionBank of the Philippines and the Cardholder in connection with the Cardholder's VISA US DOLLAR card.

1.    Interpretation

1.1.    In these terms and conditions:

1.1.1.    "Account" means the bank account held or to be held with the UnionBank in the name of the Cardholder (whether solely or jointly with another person), the number of which is or shall be specified in the application form for the Card and communicated to the Cardholder as appropriate.
1.1.2.    "Account Currency" means the currency in which the Account is denominated.
1.1.3.    "Bank" means UnionBank of the Philippines.
1.1.4.    "Card" means a VISA US DOLLAR Card, including any renewal or replacement Card.
1.1.5.    "Cardholder" means the person having power alone to operate the Account in accordance with the bank mandate in respect thereof.
1.1.6.    "PIN" means the personal identification number issued to the Cardholder from time to time for use with the Card.
1.1.7.    "Transaction" means any cash withdrawal or payment made using the Card, or any refund arising in connection with the use of the Card in any authorized manner for debit or credit to the Account.
1.1.8.    "Visa" means Visa International.
1.1.9.    "Working Days" means Monday to Friday inclusive except Bank holidays.

1.2.    In these terms and conditions references to the singular include the plural and vice versa and references to one gender include references to the other gender. The headings used herein are for ease of reference only.

2.    Card facilities

2.1.    The Cardholder may use the Card to pay for goods or services at retailers or suppliers worldwide who accept the Card by signing a sales voucher, by entering the Card information on the Internet, by signing a mail order purchase form showing the number printed on the Card or by placing an order by telephone and quoting the number printed on the Card, and the Bank will debit to the Account the amount of any such Transaction authorized in such way.

2.2.    The Cardholder may use the Card in conjunction with the PIN to withdraw money from automated teller machines that accept the Card when they are operating. The amount of money so withdrawn by the Cardholder shall be debited to the Account.

2.3.    The Cardholder may use the Card in conjunction with the PIN to pay for goods and services by using a card operated machine at retailers or suppliers worldwide who offer this facility. The Bank shall debit to the Account the amount of any Transaction authorized in this way.

2.4.    The Cardholder may use the Card at any bank that accepts the Card to withdraw money or make payment by signing a voucher, the amount of which shall be debited to the Account.

2.5.    In addition to the amount of all Transactions, certain charges will be debited to the Account as provided for herein.

3.    The Card

3.1.    The Card belongs to the Bank and the Bank or any authorized officer, servant, employee, associate or agent of the Bank may retain the Card, require the Cardholder to return the Card or suspend the use of the Card at any time in its absolute discretion and the Bank shall not be liable for any loss or damages suffered by the Cardholder as a result thereof.

3.2.    The Card will not become valid or operational until the Cardholder acknowledges receipt of the Card by signing on the appropriate Bank documents. The Card is only valid for the period shown on it and must not be used outside that period or if the Bank has required by notice in writing to the Cardholder that it be returned to the Bank. When the period of validity of a Card expires it must be destroyed immediately by the cardholder by cutting it in half through the magnetic strip.

3.3.    The Cardholder must take all reasonable precautions to prevent unauthorized use of the Card, including, not allowing anyone else to use the Card and telephoning the Bank, in accordance with paragraph 3.2 above, to immediately acknowledge receipt of the Card.

3.4.    

3.5.    If the Card is lost or stolen the Cardholder or any other person acting on behalf of the Cardholder shall immediately notify the Bank or the Visa Customer Assistance Service by telephoning the number(s) from time to time notified to the Cardholder and the Cardholder must, in addition, immediately notify relevant law enforcement agencies. The Cardholder must confirm the loss of the Card by notice in writing to the Bank within seven days of having notified the Bank by telephone.

3.6.    The Cardholder must co-operate with any officers, servants, employees, associates or agents of the Bank and/or law enforcement agencies in any efforts to recover the Card if it is lost or stolen. The Bank may disclose information about the Cardholder and the Account if the Bank thinks it will help avoid or recover any loss to the Cardholder or the Bank resulting from the loss, theft, misuse or unauthorized use of the Card.

3.7.    If the Card is found after the Bank has been given notice of its loss or theft the Cardholder must not use it again. The Card must be cut in half through the magnetic strip and returned to the Bank immediately.

4.    The PIN

UnionBank issues a Personal Identification Number (PIN) to the Cardholder for use with the Visa US DOLLAR Card. The Cardholder agrees to keep the PIN private and strictly confidential and agrees that these shall not be disclosed, given or made available to any person under any circumstances. The Cardholder must take all necessary precautions to avoid unauthorized use. The Cardholder agrees to free UnionBank of any liability that results from disclosure of the PIN.

5.    Charges

5.1.    The Bank shall charge a fee to the Cardholder, unless he is tagged as Business Class, in respect of each cash withdrawal made using the Card for which a charge is levied by Visa, Megalink, and Bancnet in accordance with the Bank's schedule of fees from time to time in force.

5.2.    The Bank shall convert the amount of every Transaction made in a currency other than the Account Currency based on the VISA Foreign Exchange rate at the time of the transaction. If the Account Currency is in Philippine Pesos and cardholder uses his Card outside the Philippines, the transaction shall be converted to its Philippine Peso equivalent based on the VISA Foreign Exchange rate at the time of the transaction. Similarly, if the Account Currency is US Dollars and the Cardholder uses his/her Card at a Philippine peso-denominated VISA affiliated merchant, the transaction amount will be converted to its US dollar equivalent based on the prevailing VISA Foreign Exchange rate at the time of the transaction.

5.3.    The Cardholder, unless he is tagged as Business Class, shall be charged in respect of every withdrawal Transaction made in a currency other than the Account Currency in respect of the conversion of the amount of the transaction into the Account Currency, in accordance with the Bank's schedule of fees from time to time in force. The following transaction fees shall be imposed on all ATM transactions of the Cardholder outside the Philippines:

5.3.1.    US $3.00 for every ATM transaction approved;
5.3.2.    US $1.00 for every ATM balance inquiry;
5.3.3.    US $1.00 for every ATM transaction declined for reasons insufficient funds and/or exceeds the daily transaction frequency.

6.    General

6.1.    The total amount of any Transactions carried out in any one day shall be limited to such amounts and by such other conditions as shall be notified by electronic means or in writing to the Cardholder by the Bank from time to time with effect from the date of such notice.

6.2.    The Bank will issue a Card only if the Cardholder has completed an application form and it has been accepted by the Bank, or if the Bank at its discretion is replacing or renewing a Card.

6.3.    The Cardholder is not authorized to enter into Transactions using the Card to a value in excess of the credit balance (if any) of the Account.

6.4.    If the Bank is asked to authorize a Transaction, the Bank shall take into consideration any other Transactions which have been authorized but which have not been debited to the Account (and any other transactional activities upon the Account) and if the Bank determines that there are or will be insufficient available funds in the Account to pay the amount that would be due in respect of such Transaction, the Bank may in its own absolute discretion refuse to authorize such Transaction, in which event such Transaction will not be debited to the Account. The Bank shall not be liable for any loss or causes of action resulting from any such refusal to authorize any Transaction.

6.5.    The Cardholder may use the Card to obtain the services described in these terms and conditions and such other services as the Bank may provide from time to time. All such services will be subject to these terms and conditions.

6.6.    The Card shall in no event be used by any person other than the Cardholder.

6.7.    The Bank shall not be liable for any loss resulting from the refusal of any retailer, supplier, other bank or card operated machine to accept use of the Card in connection with any Transaction. No claims of the Cardholder against any retailer or supplier may be the subject of set-off, claim or counterclaim against the Bank.

6.8.    The Cardholder shall immediately notify the Bank if:-

6.8.1.    an entry appears on the statement of the Account which is believed to be incorrect as soon as possible but in any event within twenty-five days of the date of such statement; and
6.8.2.    the Cardholder's address is changed, as soon as possible.

6.9.    A Transaction cannot be cancelled by the Cardholder after it has been completed.

6.10.    If a retailer or supplier makes a refund by means of a Transaction the Bank will credit the Account when it receives the retailer or supplier's proper instructions and the funds in respect of such refund, provided that the Bank will not be responsible for any loss or damages resulting from any delay in receiving such instructions and funds.

6.11.    When the Card is used to effect a Transaction through Visa (whether with a retailer or supplier, a bank or from a card operated cash machine) in a currency other than the Account Currency, Visa will convert the amount of the Transaction into the Account Currency at the applicable exchange rate on the day upon which it receives notification of the Transaction.

6.12.    The Card shall not be used to guarantee payment of cheques drawn on the Account.

6.13.    The daily transaction limit refers to working days only. Transactions on non working days refer to the previous work days limit.

6.14.    The card shall not be used as payment for an illegal purchase.

7.    Termination

7.1.    The Bank may terminate the Agreement comprised in these terms and conditions by notifying the Cardholder in writing to that effect at any time. The Cardholder may terminate the Agreement comprised in these terms and conditions by notifying the Bank in writing, cutting the card in half through the magnetic strip and returning the Card to the Bank. Such termination shall be effective, subject to the provisions of the following paragraphs of this clause, upon receipt by the other party of such notice and the Card.

7.2.    The Agreement comprised in these terms and conditions, shall be deemed to remain in full force and effect if and in so far as any Transaction is completed but not debited to the Account prior to termination thereof.

7.3.    Termination of the Agreement comprised in these terms and conditions shall not prejudice any liability in respect of things done or omitted to be done prior to termination thereof.

8.    Miscellaneous

8.1.    The Bank shall not be liable to the Cardholder for any loss suffered as a result of the Bank being prevented from or delayed in providing any banking or other services to the Cardholder due to strikes, industrial action, failure of power supplies, systems or equipment or causes beyond the Bank's control.

8.2.    These terms and conditions and the banking practices and charges relating thereto may be changed by the Bank at any time by notice thereof to the Cardholder. Any such changes will be effective from the date of the notice or such later date as may be specified therein.

8.3.    If the Card is to be issued to a corporate entity the Bank reserves the right to vary and/or add to these terms and conditions as it may in its discretion consider appropriate.

RESPONSIBILITY FOR THE USE, CUSTODY AND SECURITY OF THE CARD

The Cardholder shall at all times be responsible for the proper use, custody, safekeeping and security of the Card and as such, shall take all necessary precautions to protect the card from loss and prevent the disclosure of the PIN to other parties. Accordingly, the Cardholder shall hold the Bank free and harmless against any and all consequences of unreported loss, PIN disclosure, fraudulent and/or unauthorized use of the Card. The Member/Cardholder agrees to indemnify the Bank against any loss, damage, cost, expenses (including legal fees) that they may suffer or incur as a result of the same.

The Card shall be properly signed and activated before the Cardholder may enjoy the full use and benefits of the card.

LOSS OF CARD AND REPLACEMENT

The Cardholder shall report loss of the Card immediately to the Bank’s Call Center
at 841-8600 (local) or at IAC+800-8277-2273 (international).

The Bank shall place a “Hot Card” status on the card and a hold on the account to prevent further transactions upon receipt of notification from the Cardholder. The Bank shall not be liable for any withdrawal or losses that may arise due to the loss of the Card despite receipt of notification from the Cardholder, should it appear that such transaction is made prior to the Bank’s maintenance of the “Hot Card” status and hold on the account. The “Hot Card” status and the hold shall be lifted by the Bank only upon receipt of written notification from the Cardholder. To replace a lost card, the Cardholder shall execute an Affidavit of Loss


which shall personally be submitted to the maintaining branch immediately from the time and date the lost card was reported. The Bank may charge the Cardholder a specified fee for the replacement of lost or stolen card.

CARD EXPIRATION AND RENEWAL

The Card automatically expires on the date indicated on the face of the card. To renew, the Cardholder may be required to accomplish and submit a Renewal Form to the maintaining branch. Expired Cards shall not be honored with respect to the defined uses and benefits to which the Card was issued.

WORN-OUT/DEFECTIVE CARD AND REPLACEMENT

Requests for replacement of worn out, destroyed or defective Card may be made with the maintaining branch. The Cardholder may be required to pay a specified fee for the replacement of worn-out/defective card.

LEGAL RECOGNITION OF ELECTRONIC WRITING OR DOCUMENT AND DATA MESSAGES

Transactions using the Card shall have the same legal status in the Philippines as paper-based transactions and manually signed signatures under the Electronic Commerce Act (ECA 2000).

INTERNET BANKING

The Cardholder shall use his US DOLLAR card number and ATM PIN to access UnionBank Internet Banking. The Cardholder must immediately report to the Bank any case of the PIN being compromised or used by a person other than the Cardholder to access UnionBank Internet Banking. The deactivation of the access to Internet Banking shall take effect only after the report has been received from the Cardholder and the compromised PIN status has been duly maintained by the Bank in the Cardholder's account. The Bank shall not be liable for any debit transactions or losses that may arise due to the compromised PIN despite receipt of the Cardholder's report, should it appear that such transaction is made prior to the deactivation of the Cardholder's access to Internet Banking. The account is further subject to UnionBank's terms and conditions regarding Internet Banking, which is available in UnionBank Internet Banking website.


AGREED AND ACCEPTED BY:
(Authorized Signatory/ies)

1 Make sure that the website address appearing on your browser starts with https://ebanking.unionbankph.com/ and a padlock symbol (🔒) beside it.If you see something different or there is no address appearing, please do not proceed and report to us immediately.

2 You can only type in your password or PIN using the virtual keyboard.

3 Keepyour device virus-free. Make sure you have an updatedanti-virus software.

4 To secure your account, we strongly advise you to avoid downloading your banking documents using a public computer




For more information, please visit theSafe Surfing Guidelinespage or call our 24-hour Customer Support at (02)8418600.
1 Make sure that the website address appearing on your browser is Union Bank of the Philippines and has a padlock symbol (🔒) beside it. If you see something different or there is no address appearing, please do not proceed and report to us immediately.

2 You can only type in your password or PIN using the virtual keyboard.

3 Keepyour device virus-free. Make sure you have an updatedanti-virus software.

4 To secure your account, we strongly advise you to avoid downloading your banking documents using a public computer




For more information, please visit theSafe Surfing Guidelinespage or call our 24-hour Customer Support at (02)8418600.
1 Make sure that the website address appearing on your browser starts with https://ebanking.unionbankph.com and a padlock symbol (🔒) beside it.If you see something different or there is no address appearing, please do not proceed and report to us immediately.

2 You can only type in your password or PIN using the virtual keyboard.

3 Keepyour device virus-free. Make sure you have an updatedanti-virus software.

4 To secure your account, we strongly advise you to avoid downloading your banking documents using a public computer




For more information, please visit theSafe Surfing Guidelinespage or call our 24-hour Customer Support at (02)8418600.
1 Make sure that the website address appearing on your browser is Union Bank of the Philippines and has a padlock symbol (🔒) beside it. If you see something different or there is no address appearing, please do not proceed and report to us immediately.

2 You can only type in your password or PIN using the virtual keyboard.

3 Keepyour device virus-free. Make sure you have an updatedanti-virus software.

4 To secure your account, we strongly advise you to avoid downloading your banking documents using a public computer




For more information, please visit theSafe Surfing Guidelinespage or call our 24-hour Customer Support at (02)8418600.
1 Make sure that the website address appearing on your browser starts with https://ebanking.unionbankph.com and a padlock symbol (🔒) beside it.If you see something different or there is no address appearing, please do not proceed and report to us immediately.

2 Keepyour device virus-free. Make sure you have an updatedanti-virus software.

3 To secure your account, we strongly advise you to avoid downloading your banking documents using a public computer




For more information, please visit theSafe Surfing Guidelinespage or call our 24-hour Customer Support at (02)8418600.
1 Make sure that the website address appearing on your browser is Union Bank of the Philippines and has a padlock symbol (🔒) beside it. If you see something different or there is no address appearing, please do not proceed and report to us immediately.

2 Keepyour device virus-free. Make sure you have an updatedanti-virus software.

3 To secure your account, we strongly advise you to avoid downloading your banking documents using a public computer




For more information, please visit theSafe Surfing Guidelinespage or call our 24-hour Customer Support at (02)8418600.
1 Make sure that the website address appearing on your browser starts with https://ebanking.unionbankph.com and a padlock symbol (🔒) beside it.If you see something different or there is no address appearing, please do not proceed and report to us immediately.

2 Keepyour device virus-free. Make sure you have an updatedanti-virus software.

3 To secure your account, we strongly advise you to avoid downloading your banking documents using a public computer




For more information, please visit theSafe Surfing Guidelinespage or call our 24-hour Customer Support at (02)8418600.
1 Make sure that the website address appearing on your browser is Union Bank of the Philippines and has a padlock symbol (🔒) beside it. If you see something different or there is no address appearing, please do not proceed and report to us immediately.

2 Keepyour device virus-free. Make sure you have an updatedanti-virus software.

3 To secure your account, we strongly advise you to avoid downloading your banking documents using a public computer




For more information, please visit theSafe Surfing Guidelinespage or call our 24-hour Customer Support at (02)8418600.