PAC Phone Number (409)729-7938

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Saturday, August 19, 2017

  • Right to Receive Documentation.

    1. Periodic Statements. Transfers and withdrawals made through any ATM or POS terminal, Debt Card transactions, or preauthorized EFTs will be recorded on your periodic statement. You will receive a statement monthly unless there is no transaction in a particular month. In any case, you will receive a statement at least quarterly.

    2. Terminal Receipt. You will get a receipt at the time you make any transaction (except inquiries) involving your account using an ATM, POS terminal, or Debit Card transaction with a participating merchant.

    3. Direct Deposit. If you have arranged to have a direct deposit made to your account at least once every sixty (60) days from the same source and you do not receive a receipt (such as a pay stub), you can find out whether or not the deposit has been made by calling (409) 983-8175. This does not apply to transactions occurring outside the United States.

  • Account Information Disclosure. We will disclose information to third parties about your account or the transfers you make:

    • As necessary to complete transfers;
    • To verify the existence of sufficient funds to cover specific transactions upon the request of a third party, such as a credit bureau or merchant;
    • To comply with government agency or court orders; or
    • If you give us your written permission.

  • Business Days. Our business days are Monday through Friday, excluding holidays.

  • Credit Union Liability and Preauthorized Payments.

    Credit Union Liability for Failure to Make Transfers.

    If we do not complete a transfer to or from our account on time or in the correct amount according to our agreement with you, we may be liable for your losses or damages. However, we will not be liable for direct or consequential damages in the following events:

    • If, through no fault of ours, there is not enough money in your accounts to complete the transaction, if any funds in your accounts necessary to complete the transaction are held as uncollected funds pursuant to our Funds Availability Policy, or if the transaction involves a loan request exceeding your credit limit.
    • If you used your Card or access code in an incorrect manner.
    • If the ATM where you are making the transfer does not have enough cash.
    • If the ATM was not working properly and you knew about the problem when you started the transaction.
    • If circumstances beyond our control (such as fire, flood, or power failure) prevent the transaction.
    • If the money in your account is subject to legal process or other claim.
    • If funds in your account are pledged as collateral or frozen because of a delinquent loan.
    • If the error was caused by a system of any participating ATM network.
    • If the electronic transfer is not completed as a result of your willful or negligent use of your Card, access code, or any EFT facility for making such transfers.
    • Any other exceptions as established by the Credit Union.

    Preauthorized Payments.

    1. Stop Payment Rights. If you have arranged in advance to make regular electronic fund transfers out of your account(s) for money you owe others, you may stop payment of preauthorized transfers from your account. You must notify us orally or in writing at any time up to three (3) business days before the scheduled date of the transfer. We may require written confirmation of the stop payment order to be made within fourteen (14) days of any oral notification.

      If we do not receive the written confirmation, the oral stop payment order shall cease to be binding fourteen (14) days after it has been made.

    2. Notice of Varying Amounts. If these regular payments may vary in amount, the person you are going to pay is required to tell you, ten (10) days before each payment, when it will be made and how much it will be. You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment or when the amount would fall outside certain limits that you set.

    3. Liability for Failure to Stop Payment of Preauthorized Transfers. If you order us to stop payment of a preauthorized transfer three (3) business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.

  • Notices.

    All notices from us will be effective when we have mailed them or delivered them to your last known address in the Credit Union’s records. Notices from you will be effective when received by the Credit Union at the address specified in this Agreement. We reserve the right to change the terms and conditions upon which this service is offered. We will mail notice to you at least twenty-one (21) days before the effective date of any change. Use of this service is subject to existing regulations governing the Credit Union account and any future changes to those regulations.

    The following information is a list of safety precautions regarding the use of Automated Teller Machines (ATM) and Night Deposit Facilities.

    • Be aware of your surrounding, particularly at night.
    • Consider having someone accompany you when the ATM or night deposit facility is used after dark.
    • If another person is uncomfortably close to you at the time of your transaction, ask the person to step back before you complete your transaction.
    • Refrain from displaying your cash at the ATM or night deposit facility. As soon as your transaction is completed, place your money in your purse or wallet. Count the cash later in the safety of your car or home.
    • If you notice anything suspicious at the ATM or night deposit facility, consider using another ATM or night deposit facility or coming back later. If you are in the middle of a transaction and you notice something suspicious, cancel the transaction, take you Card or deposit envelope, and leave.
    • If you are followed after making a transaction, go to the nearest public area where people are located.
    • Do not write you personal identification number or code on your ATM Card.
    • Report all crimes to law enforcement officials immediately.

  • Billing Errors.

    In case of errors or questions about electronic funds transfers from your share draft accounts, telephone us at the following number or send us a written notice to the following address as soon as you can. We must hear from you no later than sixty (60) days after we sent the FIRST statement on which the problem appears. Call us at:

    (409) 983-8175
    Fax: (409) 983-8192

    or write to:

    Port Arthur Community Federal Credit Union
    4749 Twin City Hwy. Suite 100
    Port Arthur, TX. 77642

    • Tell us your name and account number.
    • Describe the electronic transfer you are unsure about, and explain as clearly as you can why you believe the Credit Union has made an error or why you need more information.
    • Tell us the dollar amount of the suspected error.

    If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days.

    We will tell you the results of our investigation within ten (10)* business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45)** days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10)* business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or questions in writing and we do not receive it within ten (10) business days, we may not credit your account.

    We will tell you the results within three (3) business days of completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our

    *If you give notice of an error within thirty (30) days after you make the first deposit to your account, we will have twenty (20) business days instead of ten (10) business days.

    **If you five notice of an error within (30) days after you make the first deposit to your account, notice of an error involving a point of sale transaction, or notice of an error involving a transaction initiated outside the U.S. its possessions and territories, we will have ninety (90) days instead of forty-five (45) days to investigate.

    NOTE: If the error you assert is an unauthorized VISA transaction, other than a cash disbursement at an ATM, we will credit your account within five (5) business days unless we determine that the circumstances or your account history warrant a delay, in which case you will receive credit within ten (10) business days.

  • Termination of EFT Services.

    You may terminate this Agreement or any EFT service under this Agreement at any time by notifying us in writing and stopping your use of your Card and any access code. You must return all Cards to the Credit Union. You also agree to notify any participating merchants that authority to make bill payment transfers has been revoked. We may also terminate this Agreement at any time by notifying you orally or in writing. If we terminate this Agreement, we may notify any participating merchants making preauthorized debits or credit to any of your accounts that this Agreement has been terminated and that we will not accept any further preauthorized transaction instructions. We may also program our computer not to accept your Card or access code for any EFT service. Whether you or the Credit Union terminates this Agreement, the termination shall not affect your obligations under this Agreement for any EFTs made prior to termination.

  • Governing Law.

    This Agreement is governed by the Bylaws of the Credit Union, federal laws and regulations, the laws and regulations of the state of Texas and local clearinghouse rules, as amended from time to time. Any disputes regarding this Agreement shall be subject to the jurisdiction of the court of the county in which the Credit Union is located.

  • Enforcement.

    You are liable to us for any loss, cost or expenses we incur resulting from your failure to follow this Agreement. You authorize us to deduct any such loss, costs or expenses from your account without prior notice to you. If we bring a legal action to collect any amount due under or to enforce this Agreement, we shall be entitled, subject to applicable law, to payment of reasonable attorney’s fees and cost, including fees on any appeal, bankruptcy proceedings, and any post-judgment collection actions.

  • Lost/Stolen Cards

    To report a lost/stolen debit card please call the 24 hour hotline - 1-800-791-2525

    To report a lost/stolen credit card please call the 24 hour hotline - 1-800-442-4757

    Hours of Operation title graphic Port Arthur Community Federal Credit Union Lobby image

    Lobby Hours:
    Monday - Friday
    9:00 am to 5:00 pm

    Drive Thru Hours:
    Monday - Thursday
    8:30 am - 5:30 pm
    8:30 am - 6:00 pm
    9:00 am - 12:00 pm

    contact info title graphics PAC FCU Directions Image

    Port Arthur Community Federal Credit Union
    3100 Central Mall Drive
    Port Arthur, TX 77642
    Phone Numbers:
    (409) 729-7948 FAX

    current rates images

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    10.50 % APR

    Credit Card Platinum Fixed as low as

    7.90 % APr

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