Disclosures

Account Agreement, page 1 of 6

Pages 1 2 3 4 5 6

INDENTITY VERIFICATION

TRUTH-IN-SAVINGS DISCLOSURES

PRIVACY

COMPLAINT NOTIFICATION

ACCOUNT OWNERSHIP
1. Single Party Account
2. Joint or Multiple Party Account with Right of Survivorship
3. Payable on Death (P.O.D.) Account
4. Accounts for Trusts
5. Uniform Transfer to Minors Accounts
5. Accounts for Guardianships and Estates
6. Representative Payee Accounts
7. Accounts for Trusts
8. Business Accounts

CHECKS AND WITHDRAWALS
1. Payment Authorization
2. Stale Items
3. Overdraft and Overdraft Protection
4. Transaction/Transfer Limitation
5. Signatures
6. Postdated, Incomplete and Conditional Items
7. Wire Transfer and Automated Clearing House (ACH) Transactions
8. Stop Payment
9. DATCU Liability

DEPOSIT OF ITEMS
1. Handling of Items
2. Endorsement Standards
3. Right to Refuse Deposit

GENERAL PROVISIONS
1. Taxpayer Identification Number and Backup Withholding
2. Inactive Accounts
3. Account Statements
4. Legal Process
5. Contractual Lien
6. Dispute Resolution
7. Power of Attorney
8. Withdrawal of Services
9. Closing the Account
10. Attorney's Fees
11. Amendment
12. Severability
13. Reopened Accounts
14. Record Retention
15. Governing Law
16. Credit Reports

YOUR ABILITY TO WITHDRAW FUNDS
General Policy
1. Longer Delays
2. Special Rules
3. Holds on Other Accounts
4. Foreign Checks

ELECTRONIC FUNDS TRANSFER DISCLOSURES AND MASTERCARD CHECK CARD AGREEMENT AGREEMENT
1. Issuance of Card or Personal Identification Number
2. Overdrafts
3. Card and PIN Security
4. Surrender, Cancellation, and Amendment
5. Preauthorization Holds
6. Additional Terms for Business, Organization and Association Accounts
7. Online Statement

DISCLOSURES
1. Member Liability
2. Address
3. Business Day
4. Available Transactions
5. Charges to Members
6. Right to Receive Documentation
7. Stop Payment Rights
8. Account Information
9. Credit Union Liability
10. Errors or Questions
11. International Transactions

Pages 1 2 3 4 5 6

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government National Credit Union Administration, a U.S. Government Agency.	We do business in accordance with the federal fair housing law and the equal opportunity act.
For your safety and security, please make sure you are running the most current version of your web browser. This ensures you are able to maintain secure encryption standards.

Disclosures

Account Agreement, page 1 of 6

Table of Contents