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Disclosures
Account Agreement, page 6 of 6
YOUR ABILITY TO WITHDRAW FUNDS
This disclosure describes your ability to withdraw funds at DATCU Credit Union. It only applies to the availability of funds in transaction Accounts. DATCU reserves the right to delay the availability of funds deposited to Accounts that are not transaction Accounts for periods longer than those disclosed in this policy. Please ask us if you have a question about which Accounts are affected by this policy.
GENERAL POLICY
Our policy is to make funds from your deposits available to you on the business day we receive your deposit. At that time, you can withdraw the funds in cash and we will use the funds to pay checks that you have written.
For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, federal holidays, and such other holidays we may observe, as may be published in our newsletter or posted in our lobby from time to time. If you make a deposit before 6:00 p.m. on a business day that we are open, we will consider that to be the day of your deposit. However, if you make a deposit after 6:00 p.m. on a business day or on a day we are not open, we will consider that the deposit was made on the next business day we are open.
Please remember that even after we have made the funds available to you, and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit.
IMMEDIATE CREDIT WILL BE GIVEN ON THE FOLLOWING:
*CASHIER'S CHECKS *U.S. POSTAL MONEY ORDERS
*CERTIFIED CHECKS *STATE AND LOCAL GOVERNMENT CHECKS
*TELLER’S CHECKS *WIRE TRANSFERS
*TRAVELER'S CHECKS * RESERVE BANK AND FEDERAL HOME LOAN BANK CHECKS
*US TREASURY CHECKS *CHECKS DRAWN ON DATCU
*CASH
* Suspect Cashier’s Checks, Teller’s Checks, Certified Checks, Traveler’s Checks and U.S. Postal Money Orders may be subject to holds. Other types of Money Orders are considered “Payable Through” the issuer and do not fall under immediate or next-day availability. Please refer to the Longer Delays May Apply section below for the availability rules governing these deposits.
1. Longer Delays May Apply. In some cases, we will not make all of the funds that you deposit by check available to you on the same business day of your deposit. Depending on the type of check that you deposit, funds may not be available until the 5th business day after the day of your deposit. However, the first $100 of your deposit will be available on the 1st business day after the day of your deposit.
If we are not going to make all of the funds from your deposit available on the date of your deposit, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available.
In addition, funds you deposit by check may be delayed for a longer period under the following circumstances.
a. We believe a check you deposit will not be paid.
b. You deposit checks totaling more than $5,000 on any one day.
c. You redeposit a check that has been returned unpaid.
d. You have overdrawn your Account repeatedly in the last six months.
e. There is an emergency, such as failure of communications or computer equipment.
We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the 11th business day after the day of your deposit.
2. Special Rules For New Accounts. If you are a new member, the following special rules will apply during the first 30 days your Account is open.
Funds from cash, electronic direct deposits, wire transfers, and the first $5,000 of a day’s total deposits of cashier’s*, certified*, teller’s*, traveler’s*, federal, state and local government checks, and US Postal Money Orders* will be available on the same day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. *See other exceptions above. The excess over $5,000 will be available on the business day after the day of your deposit.
If you do not make the deposit in person (other than a U.S. Treasury check) to one of our employees, the first $5,000 will not be available until the 2nd business day after the day of your deposit.
Funds from all other check deposits will be available no later than the 11th business day after the day of your deposit.
3. Holds On Other Funds. If we cash a check for you that is drawn on another financial institution, we may withhold the availability of a corresponding amount of funds that are already in your Account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on another financial institution, we may make funds from the deposit available for withdrawal immediately, but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another Account with us. The funds in the other Account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited. We will advise you of the date the funds will be available.
4. Foreign Checks. Checks drawn on financial institutions located outside the United States (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposit of foreign checks will be delayed for the time it takes us to collect the funds from the financial institution upon which it is drawn.
ELECTRONIC FUND TRANSFER (EFT) DISCLOSURE AND MASTERCARD CHECK CARD AGREEMENT
1. Issuance of Card or Personal Identification Number. In this Agreement and Disclosures (“Agreement”), the words “you,” “your,” and “Party” refer to (i) any person to whom a DATCU Credit Union MasterCard® Check Card (collectively, “Card”) is issued, (ii) any person to whom a Personal Identification Number (“PIN”) is issued in connection with any such Card or any other electronic fund transfer service, (iii) any person authorized to use or given access to use to any such Card or PIN, and (iv) any owner on any Credit Union Account which may be accessed by the Card or a PIN. The words “we,” “us,” “our,” and “Credit Union” mean DATCU Credit Union. You agree that any use of the Card or a PIN by you shall be governed by the terms and conditions set forth in this Agreement, as well as the terms of the DATCU Account Agreement, which is incorporated into this Agreement by reference. If the terms of this Agreement conflict with the terms of the DATCU Account Agreement, the terms of this Agreement will control.
2. Overdrafts. You agree that you will not use your Card or PIN to withdraw or transfer funds from your Account in amounts exceeding the available balance in your Account at the time of any such transfer. You agree that we will be under no obligation to make a withdrawal or transfer if there are insufficient funds in your Account. If your Account has sufficient funds to cover one or more but not all checks, withdrawal orders, or electronic fund transfers during any given business day, we may honor those items, allow those withdrawals, or make any such electronic fund transfers in any order that we choose in our sole discretion including honoring first any such checks, orders, or transfers payable to us, and dishonoring or refusing any item, order, or transfer for which there are insufficient funds available thereafter. If you have applied and been approved for overdraft protection with us, you agree that your use of the Card or a PIN shall be subject to the Overdrafts and Overdraft Protection section of the DATCU Account Agreement.
3. Card and PIN Security. You agree to keep your Card and PIN in a place of safekeeping, to refrain from disclosing your PIN to any unauthorized third party, to refrain from writing your PIN on your Card, and to refrain from recording or displaying your PIN in such a manner that it will be accessible by unauthorized third parties. You agree that the use of the Card or a PIN by (i) you, (ii) any other applicant, (iii) any Party to any of your Accounts that may be accessed by the Card or PIN, (iv) anyone you permit or authorize to use your Card or PIN, and (v) anyone to whom you disclose your PIN or give access to your Card or PIN shall be deemed an authorized use for which you shall be liable. You are responsible for reporting the loss or theft of your Card or PIN to us as soon as possible after the loss or theft.
4. Surrender, Cancellation, and Amendment. You agree to surrender your Card to us upon demand. You agree, further, that the Card shall at all times remain our property and that we may terminate any one or more electronic fund transfer services or cancel this Agreement at any time, subject to such notification as may be required by applicable law. You also agree that we may add to, change, or delete any of the terms of this Agreement from time to time, subject to such notification as may be required by applicable law.
5. Preauthorization Holds. When you use your Check Card at certain merchants such as self-service gas filling stations, restaurants, hotels, airlines, and rental car companies, the merchant may request a preauthorization hold from us to cover the final transaction amount. The preauthorization hold may be in a greater than the actual purchase amount and may be placed on your Account for up to three days. You may not access funds that are subject to a preauthorization hold. Preauthorization holds may remain on your Account for up to three days after the transaction, even after the transaction has been paid. In addition, even after a preauthorization hold is released, the transaction may be posted to your Account at any time. As a result, you must ensure that sufficient funds are available and remain in your Account to pay for your Check Card transactions. Preauthorization holds affect the availability of funds to pay for checks drawn on your Account and other withdrawal transactions. You acknowledge and agree that we are not liable for any damages you may incur for dishonor of items or other transactions because of a preauthorization hold placed on your Account funds.
6. Additional Terms for Business, Organization and Association Accounts. You acknowledge and agree that any Card or PIN may be used for business purposes only and may not be used for personal, household, or family purposes. You agree to implement reasonable measures to ensure that your Card and PIN are used for business purposes only. You agree to indemnify and hold us harmless from any costs or damages which you sustain as a result of our carrying out your instructions. IN ANY EVENT, WE WILL NOT BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES, INCLUDING LOSS OF PROFITS, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF THEM. As additional security measures for business, organization, and association Accounts, you agree to regularly instruct and require each authorized signer to (a) sign the Card and any renewal or replacement Cards immediately upon receipt, (b) keep the Card and PIN separate, in a place of safekeeping, and in the signer’s sole possession, (c) refrain from disclosing the PIN to any unauthorized third party or writing the PIN on the Card, and (d) use the Card for business purposes only, retaining all receipts and promptly verifying them against your Account statement for accuracy. You agree to notify us immediately when you terminate an authorized signer’s rights to use the Card and promptly return the Card to us. You acknowledge and represent that these security procedures provide a commercially reasonable degree off protection against unauthorized use of the Card and PIN in view of your business’s particular circumstances. We assume no duty to discover any breach of security by you or any authorized signer or any unauthorized disclosure or use of a PIN. You agree to review your statements and receipts promptly and notify us within 15 days from the date of your statement or receipt if you think your statement or receipt is wrong. You must notify us within 15 days at the address or telephone number appearing below in Section 10 or your claim will be waived.
You acknowledge and agree that the issuance of a Card and/or a PIN in connection with a business, organization, or association Account affords ready access to the Account by the person or persons authorized by the Account Owner, as well as any other persons who are provided access to the Card or PIN or who otherwise obtain the Card or PIN whether by way of negligence, theft, collusion, or otherwise. As a result, except as otherwise expressly provided in this Agreement and Disclosures, you acknowledge and agree that the Account Owner and all persons authorized by the Account Owner to receive a Card or PIN are jointly and severally liable for their use and that we will not be liable for any loss resulting from the unauthorized use of the Card or a PIN. The Account Owner and all of the Authorized Signers jointly and individually agree to indemnify, release, and hold us harmless from any claims, demands, expenses, losses, or damages, including legal fees and expenses, arising out of, resulting from, or directly or indirectly related to the issuance or use of any Card or PIN pursuant to this Agreement. You acknowledge and agree that you will not have the benefit of any consumer law limiting your liability with respect to unauthorized use of the Card or PIN.
7. Online Statement. You will be able to receive your statements online via email from our Home Banking. You understand and agree that if online statements are selected, you will not receive a paper statement. It is your responsibility to maintain proper equipment/software that will enable you to print and save these statements for your records. You agree that it is your responsibility to examine each online statement of Account and report any irregularities or disputes in the same manner and time frame as you would for a printed statement.
DISCLOSURES
Note to Business, Association, and Organization Account Holders. The following disclosures are provided for the benefit of consumers pursuant to the Electronic Fund Transfers Act and Federal Reserve Board Regulation "E." The Act and Regulation do not apply to business, association, or organization Accounts. If you are a business Account holder, Sections 1 and 10 below do not apply to your business Accounts (except for the MasterCard zero liability rules). Please refer to Section 6 in the Agreement section above and Section 9 below for a business' liability for unauthorized use of an electronic fund transfer service and the Credit Union's liability under the Agreement and Disclosures. The remainder of the Disclosures below are provided to business, organization, and association Accountholders for informational purposes only and are not intended to expand the scope or coverage of the Electronic Fund Transfers Act or Regulation “E” to business, organization, or association Accounts.
1. Member Liability. Tell us AT ONCE if you believe your Card or PIN has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your Account.
(a) For Point-of-Sale Transactions with MasterCard Check Card. If you believe your Card or PIN has been lost or stolen, you will not be liable once you notify us that your Card or PIN has been or may be used without your permission. This zero liability limitation does not apply unless (i) you have exercised reasonable care with the Card, (ii) you have not reported two or more incidents of unauthorized use on your Account within the preceding 12 months, and (iii) your Account is in good standing. This limitation also does not apply to ATM transactions or if the PIN was used as the cardholder verification method for the unauthorized transaction. If you do not meet these conditions and you are a consumer cardholder, your liability will be determined under the standards set forth in subsection (b) below.
(b) For All Other Transactions. If you tell us within two business days, you can lose no more than $50 if someone used your Card or PIN without your permission.
If you do NOT tell us within two business days after you learn of the loss or theft of your Card or PIN, and we can prove we could have stopped someone from using your Card or PIN without your permission if you had told us, you could lose as much as $500.
Also, if your statement shows transfers that you did not make, including those made by Card, PIN, or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.
If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.
NOTICE: In the interest of your ATM Security. Exercise discretion when using an ATM or night deposit facility. Observe basic safety precautions. Prepare for any ATM transactions prior to approaching the ATM or night deposit facility. Never enter your PIN in any terminal that does not look genuine, has been modified, has a suspicious device attached, or is operating in a suspicious manner. Retain your receipts, and do not leave them at the ATM or night deposit facility. Treat your Card as cash and do not lend your Card to anyone. Do not leave your Card or any other documents at the ATM or night deposit facility. Keep your PIN secret and memorize it. Do not give anyone information regarding your Card or PIN over the telephone. When using an ATM, place your body in a position so that you will prevent others from observing your PIN when entered. At any ATM or night deposit facility, keep a lookout for any suspicious activity near the facility and assure yourself that the facility, and all approaches to the facility, are well lighted. Conceal cash received from an ATM to the best of your ability and count it after you have left the ATM. If anyone offers assistance while you are operating an ATM, do not accept it. If you have begun a transaction and notice anything suspicious, consider canceling the transaction and leaving the ATM location. Finally, compare your receipts against the statements you receive and notify us immediately if you suspect that an error or unauthorized transaction has occurred.
2. Address And Phone Number. If you believe your Card or PIN has been lost or stolen, or that someone has transferred, or may transfer money from your Account without your permission (using the information from your check or otherwise), call Audio Response (our audio response system) at (940) 380-7445, Toll Free at (866) 380-7445 or you may call our Call Center at (940) 387-8585, Toll Free at (866) 387-8585 or write to:
DATCU Credit Union
P.O. BOX 827
DENTON, TX 76202-0827
3. Definition Of A Business Day. Our business days and hours are:
Main Office Mon.-Fri. 9:00 a.m. to 5:00 p.m.
Lewisville Mon.-Fri. 9:00 a.m. to 5:00 p.m.
Flower Mound Mon.-Fri. 9:00 a.m. to 5:00 p.m.
The Colony Mon.-Fri. 9:00 a.m. to 5:00 p.m.
Aubrey Mon.-Fri. 9:00 a.m. to 5:00 p.m.
South Denton Mon.-Fri. 9:00 a.m. to 5:00 p.m.
Decatur Mon-Fri. 9:00 a.m. to 5:00 p.m.
Denton North Mon-Fri 9:00 a.m. to 5:00 p.m.
Holidays not included.
4. Available Transactions And Limitations. Depending on the arrangement authorized by you, one of the following services may be available to you.
Automated Teller Machine (ATM) deposits, transfers and/or cash withdrawals, MasterCard Check Card purchases or cash withdrawals, Audio Response, Direct Deposit of your payroll or other recurring types of deposits/withdrawals to your designated Savings or Checking Account, transfers initiated by telephone, preauthorized debit and/or credit transactions and electronic check conversion through an Automated Clearing House (ACH).
MasterCard Check Card(s) received are not yet validated and cannot be used. You may activate your MasterCard Check Card(s) by performing a pinned transactions at any ATM machine or POS terminal.
You may use your MasterCard Check Card and your PIN to withdraw available cash from your designated Checking or Savings Account, to pay for purchases at retailers and at other places that have agreed to accept the Card, to make available balance inquiries on your designated Checking and Savings Accounts, and to make transfers from your designated Savings or Checking to your Loan Accounts to the extent that we allow such transfers from time to time.
For security reasons, there are limits on the frequency and dollar amounts of daily withdrawals.
Furthermore, because the MasterCard Check Card is a debit card and not a credit card, if you have a problem with the quality of property or services that you have purchased with your MasterCard Check Card, you will have to settle it directly with the merchant.
You may use our automated telephone service, to make Account balance inquiries, to make withdrawals from your designated Savings and Checking Accounts, to make transfers between your Accounts, and to make loan payments from your Checking and Savings Accounts to the extent that we allow such transfers from time to time.
Upon your request, we may authorize debits (withdrawals) from or credits (deposits) to any of your Accounts or initiate a transfer of funds from your Accounts. The dollar amounts are limited only by the member’s available balances and available credit limits where applicable.
Limits on Transfers for Savings and Money Market Draft Accounts: During any statement period you may make no more than six (6) automatic or preauthorized withdrawals (including, but not limited to, withdrawals made by Automated Clearing House (ACH), Audio Response, Internet, or by check, draft or similar order payable to a third party). If you exceed these transfer limitations, your Money Market Account will be subject to closure or we may restrict your ability to make automatic and preauthorized transfers from your Savings and Money Market Draft Accounts. If we close your Money Market Draft Account due to excessive transfer activity, funds on deposit will be transferred to your regular Share Savings Account.
Electronic check conversion transfers are permitted to access your Checking Account. An electronic check conversion occurs when a merchant or other payee is authorized to convert your check (using the information from your check) into an electronic funds transfer to pay for purchases or to pay bills. The merchant may also request authorization to electronically collect a charge in the event the check or transfer is returned. Your authorization may be expressed in writing or implied through the posting of a sign.
5. Charges To Member For Use. The Credit Union may charge for some or all of these services. Charges are deducted from the particular Account on which the transaction is performed. All charges are disclosed on the Fee Schedule, which accompanies this Disclosure and are subject to change.
6. Right To Receive Documentation. If you have arranged to have direct deposit made to your Account at least once every sixty (60) days from the same person or company, you can call our Audio Response System at (940) 380-7445 or Toll Free at (866) 380-7445. Or you can call us at (940) 387-8585 or Toll Free at (866) 380-8585 to find out whether or not your deposit was made. You will receive a monthly statement of your Account activity for each month an Electronic Fund Transfer has occurred. In any case, you will receive a statement at least quarterly. In addition, for each ATM or Point of Sale (POS) transaction of more than $15, you may receive a descriptive receipt at the time of the transaction.
7. Stop Payment Rights And Procedures. If you have told us in advance to make regular payments out of your Account you can stop any of these payments. Here's how:
Call us at: 940-387-8585 or Toll Free 866-387-8585 or write to:
DATCU Credit Union
P.O. Box 827
Denton, TX 76202-0827
in time for us to receive your request three (3) business days or more before the payment is scheduled to be made. If you call, we will also require you to put your request in writing and get it to us within 14 days after you called. There is a charge for each stop payment order you give which is disclosed on the Fee Schedule, which accompanies these Disclosures.
If these regular payments may vary in amount, the person you are going to pay will tell you ten (10) days before each payment when it will be made and how much it will be.
If you order us to stop one of these payments 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. To be valid, a stop payment order must be accurately submitted.
For recurring charges authorized by your MasterCard Check Card, written cancellation of the debit to the merchant is required. Once the authorization is cancelled we may refuse the item and charge it back to the merchant.
If you order us to stop one of these payments three business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses and damages.
8. Account Information To Third Parties. We will disclose information to third parties about your Account or the transfers you make:
(A) Where it is necessary for completing transfers.
(B) In order to verify the existence and condition of the Account for a third party such as a Credit Bureau or Merchant.
(C) In order to comply with government agencies or court orders.
(D) If you give us written permission.
(E) In other special situations to provide you emergency cash and/or replacement Card(s).
9. DATCU’s Liability For Failure To Make Transfers or for Improper Transactions or Payments. If a covered transaction is not completed as you have directed or we do not properly complete a transfer to or from your Account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will NOT be liable, for instance:
(A) If through no fault of our own, you do not have enough money in your Account to complete the transfer/transaction, or if your Account is frozen because of a court order or some other similar reason.
(B) If the Automated Teller Machine or terminal where you are making the transfer does not have enough cash or is not working properly (and you are aware of it at the time you begin the transaction).
(C) If circumstances beyond our control, such as fire or flood, prevented the transfer despite reasonable precautions that we have taken.
(D) If any other exceptions arise as stated in our agreement with you.
We are not responsible for and do not, directly or indirectly, give any guarantee or warranty with regard to the quality, suitability or fitness for a particular purpose, or any other characteristic of any goods or services purchased through the use of the Card. You agree to settle any dispute about a purchase with the merchant or service provider who honored the Card. You agree the Credit Union is not responsible for the refusal of any merchant or financial institution to honor your Card.
10. In Case Of Errors Or Questions. In case of errors or questions about your Electronic Fund Transfers, tell us by calling:
940/387-8585 or 866/387-8585
or write to:
DATCU Credit Union
P.O. Box 827
Denton, TX 76202-0827
As soon as you can if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than sixty (60) days after we sent the FIRST statement on which the problem or error appeared. We will need the following information from you:
(A) Tell us your name and Account number.
(B) Describe the error on the transfer you are unsure about, and explain as clearly as you can why you believe it is in error or why you need more information.
(C) 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 (twenty (20) business days for point of sale transactions and transactions initiated outside of the United States) 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 (ninety (90) days for point of sale transactions and transactions initiated outside of the United States) to investigate your complaint or question. If we decide to do this, we will credit your Account within ten (10) business days (for MasterCard Check Card five business (5) days) for the amount you think is in error so that you can have the use of the money while we conduct our investigation. If you do not submit your question or complaint to us in writing within ten (10) business days after we ask you to do so, we may not credit your Account.
We will tell you the results within three business days after completing our investigation. If we determine that there was no error, we will send you a written explanation, including the date and amount we will debit your Account. You may ask for copies of the documents that we used in our investigation.
14. International Transactions. If you effect an international transaction with your MasterCard, MasterCard International will convert the charge into a U.S. dollar amount. MasterCard International will use its currency conversion procedure, which is disclosed to institutions that issue MasterCard cards. Currently, the currency conversion rate used by MasterCard International to determine the transaction amount in U.S. dollars for such transactions is generally either a government-mandated exchange rate or a wholesale exchange rate selected by MasterCard International for the applicable currency on the day the transaction is processed, which rate may differ from the applicable rate on the date the transaction occurred or when the transaction is posted to your Account. We will charge a Foreign Transaction Fee of up to 1% on all international purchase, cash disbursement, and Account credit transactions, even if the transaction is conducted in U.S. dollars.
HOME OFFICE
225 West Mulberry / P.O. Box 827
Denton, Texas 76202
Toll Free 866-387-8585
SOUTH DENTON BRANCH
3210 Teasley Lane
Denton, Texas 76210
(940) 387-8585
NORTH DENTON BRANCH
906 W. University Drive
Denton, Texas 76201
(940) 387-8585
LEWISVILLE BRANCH
1001 Edmonds Lane / P.O. Box 718
Lewisville, Texas 75067
972-221-1531
FLOWER MOUND BRANCH
2935 Long Prairie Road
Flower Mound, Texas 75022
972-906-8200
THE COLONY BRANCH
4190 Main St.
The Colony, Texas 75056
972-370-4200
DECATUR BRANCH
600 West Ford Street
Decatur, Texas 76234
(940) 387-8585
AUBREY BRANCH
919 HWY 377 South
Aubrey, Texas 76227
(940) 626-4331
© 2008 DATCU Credit Union | P.O. Box 827 | Denton, Texas 76202 | 940-387-8585 | 866-387-8585 | Routing Number 311980725
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