Fees depend on what type of overdraft protection you have. If your account becomes overdrawn. based on eligibility and enrollment, Landmark will have the discretion to pay the overdraft. The different types of overdraft protection that we offer and the fees included are listed below.

Overdraft Protection
If enrolled on an eligible account, Landmark will transfer funds from your other deposit account(s) or linked lines of credit to your checking account when the available balance in your checking account is not enough to cover a transaction. A $5 Overdraft Transfer fee will be assessed for each transaction that is covered under the Overdraft Protection.

Premium Overdraft Protection
Once granted for an account, Premium Overdraft is available for checks, internet bill payments and ACH transactions. Premium Overdraft may also be available for one-time debit card and ATM transactions if you opt-in to be considered for this service. Subject to the current cap on the number of fees (5 per day per account) you will be charged a fee of $30 each time we pay an overdraft or decline a transaction for insufficient funds and your transaction amount exceeds the current balance in your account.

Please review the Overdraft Protection disclosure for additional details, terms and conditions. Fee applies when overdraft is created by check, in-person withdrawal, ATM withdrawal, point of sale transaction or other electronic means. Multiple fees may be charged if you execute multiple transactions.

To learn more about Overdraft Protection for one-time debit card and ATM transactions, please see our Overdraft Opt-In page.

A 1% charge will be assessed for any transactions made in a foreign country. Visa^® International will convert foreign currency to US dollars using either the government-mandated exchange rate or the wholesale exchange rate in effect one day before the conversion date as applicable. See the Credit Card Agreement and Disclosures brochure sent with your card for more information. Please contact our Credit Card Department to request a new copy.

Some small businesses are able to receive payments with Zelle^®. Ask your favorite small business if they accept payments with Zelle^®. If they do, you can pay them directly from your Landmark Credit Union mobile app using just their email address or U.S. mobile number.

Once a transaction has been authorized on your card, we are not able to stop the charge from posting to your card. If you had set up a recurring charge on your credit card to pay for a service you wish to cancel, you should contact the company that is making the charge directly and request to cancel it.

In Case of Fraud
If you believe there is fraud on your card, call credit card customer service immediately to notify them of the fraud and have a new card issued. You can find the phone number on the back of your credit card or use the appropriate phone number listed below.

Signature (Cash Back Visa® Only): 855-340-8778
All other cards: 866-952-8199

In Case of Dispute If you were charged incorrectly for an item or service, you should contact the merchant directly to resolve the issue. If the merchant is unwilling or unable to resolve the issue, you can call 866-952-8199 or write a letter of dispute regarding the specific transaction. Your letter should include:

• Your name
• The date you are writing
• Your credit card account number
• The date and amount of the transaction
• The name of the merchant that processed the transaction
• Your signature

Mail your letter to the following address:
Cardholder Services
PO Box 183258
Columbus, OH 43218-3258

You must notify us of any error you're disputing within 60 days of the date that the first statement on which the charge appears was sent to you.