Disclosure of Account Information - The Golden 1 Credit Union

TABLE OF CONTENTS
TERMS AND CONDITIONS................................................. 5
Important Information About Procedures for
Opening a New Account....................................................... 5
Agreement................................................................................. 5
Bylaws.......................................................................................... 6
Liability........................................................................................ 6
Deposits...................................................................................... 6
Withdrawals............................................................................... 7
Ownership of Account and
Beneficiary Designation........................................................ 8
Stop Payments.......................................................................... 9
Telephone Transfers................................................................ 9
Amendments and Termination.......................................... 9
Change In Terms Notice......................................................10
Statements...............................................................................10
Account Transfer....................................................................11
Direct Deposits.......................................................................11
Temporary Account Agreement......................................11
Right to Repayment of Indebtedness............................11
Authorized Signer.................................................................12
Restrictive Legends..............................................................12
Payment Order of Items......................................................12
Pledges......................................................................................13
Check Processing...................................................................13
ACH and Wire Transfers.......................................................13
Unclaimed Property Notice...............................................14
Remotely Created Checks..................................................14
Checking Account Organization......................................14
ELECTRONIC FUND TRANSFERS...................................15
FUNDS AVAILABILITY DISCLOSURE...........................26
CHECK 21 SUBSTITUTE CHECKS.................................28
TRUTH-IN-SAVINGS DISCLOSURE...............................30
Regular Savings Account....................................................30
FlexSavings SM Account.........................................................31
Youth Savings Account.......................................................32
Money Market Savings Account......................................32
IRA Savings Account.............................................................33
Santa Saver SM Savings Account........................................34
MarketRate Checking SM Account.....................................35
Premium Checking SM Account..........................................35
Free Checking Account.......................................................36
Student Checking Account................................................36
SmartStart Checking SM Account......................................37
New Generation Checking SM Account...........................38
Golden 1 Freedom Checking SM Account.......................39
Term-Savings Certificate Account...................................39
Term-Savings IRA Certificate Account...........................41
12-Month Term-Savings IRA Certificate Account.......43
COMMON FEATURES........................................................44
COURTESY PAY PROGRAM............................................45
OVERDRAFT PROTECTION FOR EVERYDAY
DEBIT CARD TRANSACTIONS......................................48