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Foreign Transaction Notice

International Service Assessment (ISA) Fee to Appear Separately for Foreign Transactions


MasterCard®
Effective Tuesday, April 14, 2015, purchases, cash advances, or ATM withdrawals made in non-U.S. dollars will be converted and billed to your account in U.S. dollars under the operating rules determined by MasterCard*.

Visa®
Effective Friday, February 3, 2006, purchases, cash advances, or ATM withdrawals made in non-U.S. dollars will be converted and billed to your account in U.S. dollars under the regulations determined by Visa**. SEFCU will now split out the transaction amount from the 1% currency conversion fee on your member statement. Previously, these amounts were netted together and posted as a single transaction. The transaction description appearing in your account history for this fee will read "ISA Fee." 

Purchases, withdrawals, and cash advances made in foreign currencies will be debited from your account in U.S. dollars. If a Cross-Border Transaction on a U.S.-issued debit card is submitted to MasterCard in the currency of the country of the merchant, MasterCard will convert the transaction to U.S. dollars using its currency conversion procedure. MasterCard uses either a government-mandated exchange rate, or a wholesale exchange rate selected by MasterCard. The government-mandated exchange rate or wholesale exchange rate MasterCard uses for a particular transaction is the rate MasterCard selects for the applicable currency on the day the transaction is processed, which may differ from that applicable to the date the transaction occurred or when it is posted to your account. A fee of 1% of the amount of the transaction, calculated in U.S. dollars, will be imposed on all foreign transactions, including purchases, withdrawals, cash advances, and credits to your account. A foreign transaction is any transaction that you complete or a merchant completes on your card outside of the United States, with the exception of U.S. military bases, U.S. territories, U.S. embassies, or U.S. consulates.

Purchases and cash advances made in foreign currencies will be debited from your account in 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 a 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 exchange rate used on the processing date may differ from the rate that would have been used on the purchase date or cardholder statement posting date. A fee of 1% of the amount of the transaction, calculated in U.S. dollars, will be imposed on all foreign transactions, including purchases, cash advances and credits to your account. A foreign transaction is any transaction that you complete or a merchant completes on your card outside of the United States, with the exception of U.S. military bases, U.S. territories, U.S. embassies or U.S. consulates.