Disclosures
Our Rates & Service Charges
Our Rates & Service Charges apply to the savings, checking, and certificate accounts we offer. Each owner on an account agrees to the terms described in this disclosure and acknowledges that it is a part of the Member Service Agreement (MSA), or Business Service Agreement (BSA).
Account Terms & Conditions
The Member Service Agreement (MSA), and Business Service Agreement (BSA) provides you with comprehensive information about the advantages and responsibilities of, and disclosures for the products and services you have with us.
Insufficient Funds & Overdrafts
To assist you in understanding your responsibility to assure there are sufficient funds to pay all your obligations on the accounts you have with us, we have summarized your available balance, your actual balance, the order we pay checks and EFTs, insufficient funds, and overdraft services.
Electronic Funds Transfer Terms
Our Electronic Funds Transfer Terms explains your and our rights and responsibilities concerning electronic fund transfer (EFT) debits from and credits to the accounts you have with us. EFTs are electronically initiated transfers of money involving an account with us and multiple access options.
Visa Credit Card Disclosure
The Consumer Credit Card Agreement and Disclosure govern the terms and conditions of your credit card account.
