Disclosure of Account Information - The Golden 1 Credit Union

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10. Don’t accept assistance from anyone you don’t know when using an ATM or night deposit facility. 11. If you notice anything suspicious or if any other problem arises after you have begun an ATM transaction, you may want to cancel the transaction, take your card and leave. You might consider using another ATM or coming back later. 12. Don’t display your cash; take it as soon as the ATM transaction is completed and count the cash later when you are in the safety of your own car, home, or other secure surrounding. 13. At a drive-up facility, make sure all the car doors are locked and all of the windows are rolled up, except the driver’s window. Keep the engine running and remain alert to your surroundings. 14. We want the ATM and night deposit facility to be safe and convenient for you. Therefore, please tell us if you know of any problem with a facility. For instance, let us know if a light is not working or there is any damage to a facility. Please report any suspicious activity or crimes to both the operator of the facility and the local law enforcement officials immediately. 26 YOUR ABILITY TO WITHDRAW FUNDS This policy statement applies to all accounts. Our policy is to make funds from your cash, check, and electronic direct deposits available to you on the same 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. Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before closing on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after closing or on a day we are not open, we will consider that the deposit was made on the next business day we are open. If you make a deposit at an ATM before 3:00 P.M. on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit at an ATM after 3:00 P.M. or on a day we are not open, we will consider that the deposit was made on the next business day we are open.
If we cash a check for you that is drawn on another bank, 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 bank, 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. —LONGER DELAYS MAY APPLY— Case-by-case delays. In some cases, we will not make all of the funds that you deposit by check available to you on the same day we receive your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. Effective June 8, 2011, the first $200 of your deposits, however, will be available on the same day. If we are not going to make all of the funds from your deposit available on the same day we receive 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 if 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. Safeguard exceptions. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: We believe a check you deposit will not be paid. You deposit checks totaling more than $5,000 on any one day. You redeposit a check that has been returned unpaid. You have overdrawn your account repeatedly in the last six months. There is an emergency, such as failure of computer or communications 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 27
Page 1: Disclosure of Account Information R
Page 5 and 6: TERMS AND CONDITIONS OF YOUR ACCOUN
Page 7 and 8: accept for deposit (including items
Page 9 and 10: unless: (1) all persons creating th
Page 11 and 12: to electronic fund transfers (e.g.,
Page 13 and 14: presented without sufficient funds
Page 15 and 16: available balance, the information
Page 17 and 18: - the account balance of your savin
Page 19 and 20: Examples of the types of actions yo
Page 21 and 22: no transfers in a particular month.
Page 23 and 24: • Limited Liability for Visa® De
Page 25: notice or without notice if your ac
Page 29 and 30: Some or all of the checks that you
Page 31 and 32: y means of a preauthorized or autom
Page 33 and 34: Dividend period - For this account
Page 35 and 36: or automatic transfer, telephonic o
Page 37 and 38: at a college or university. After 5
Page 39 and 40: GOLDEN 1 FREEDOM CHECKING SM ACCOUN
Page 41 and 42: enewal if you withdraw the funds in
Page 43 and 44: You will have a grace period of sev
Page 45 and 46: Transaction limitation - We reserve
Page 47 and 48: law, of any items drawn against ins
Page 49 and 50: However, rather than automatically
Page 51 and 52: • Eligible Account Types: The acc
Page 56: Operations Center P.O. Box 15966 Sa

Disclosure of Account Information - The Golden 1 Credit Union

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