DOCSLIB.ORG

Top-Rated Mobile App

Total Page：16

File Type：pdf, Size：1020Kb

Download full-text PDF Read full-text
Top-Rated Mobile App Fall 2019 TOP-RATED MOBILE APP What are your favorite apps? The average adult has more than 60 apps on their smartphone, using 30 of them each month, and launching nine apps per day. My favorite app is the Goldenwest mobile banking app. It’s easy to check balances, transfer funds, pay bills, and send money to another person. The card controls function comes in handy when I travel, and mobile deposit allows me to deposit checks from home. I use the app every day. The most-used feature on the app is viewing account balances. In a single month, account balances are checked nearly 1.3 million times on the app by Kerry Wahlen our members. And with 4.7 out of 5-star ratings on both the App Store and President/CEO Google Play, we know our members value the app as a powerful tool that keeps them connected to their money! I’m pleased to announce that we recently upgraded the app with a new account-opening feature. In three easy steps, members can open and fund checking accounts, certificates, money market accounts, and additional savings accounts. Another new app feature allows members to transfer loan and credit card balances from other financial institutions to a Goldenwest Visa credit card through “photo balance transfer”. It’s as easy as submitting a photo of your loan statement through the app for approval. Sending money to friends and family through the app is a better experience with updates to the pay-a-person feature. Members can set-up payees in less than a minute with a mobile phone number. Card controls is among our most popular app options, granting you access to temporarily enable/ disable your Visa cards and place travel notifications. Card controls is a great tool to protect you from potential fraud. The Goldenwest mobile banking app makes managing your finances easier and faster than ever before. If you’re a fan of the app, give us a rating and review in the App Store and on Google Play. If you aren’t using the app, I encourage you to install it on your phone. Should you have questions about accessing your account with the app, visit any branch or call our Member Contact Center. In most cases, it takes less than five minutes to have complete access to your account on both our online and mobile banking platforms. Thanks for choosing Goldenwest as your credit union. We are excited to bring you the latest technological tools to help you manage your money, and achieve your financial goals. VISA REWARDS The holidays are coming. Are you traveling for Thanksgiving, Remember, you can view your rewards points by using our planning a Christmas vacation, or wanting to get an early mobile app. Simply log in to the mobile app, go to the main start on Christmas shopping? Goldenwest can help with our menu, and click on Extra Awards to view your points available. Rewards program. Extra Awards from the Goldenwest Visa Right now Goldenwest is offering 3x points on all online and Rewards credit card earns you points to redeem for travel, mobile purchases through Oct. 31st. What are you waiting merchant gift cards, or cash back. for? Perhaps you can take that vacation after all. Choose from a large selection of travel-related services For complete details and to apply online, including airfare, hotels, cruises, car rentals, and more. If you visit gwcu.org/visa/rewards. are looking for merchandise, there are a variety of gift cards for stores, restaurants, and entertainment. Maybe you’re just looking for a cash-back option. We have that too. There are no blackout dates and it’s an easy redemption process. Boost your points earned by opening or switching your current Goldenwest checking account to a Reward Yourself Checking account. You’ll receive a 0.25x increase in points at month-end. Points earned from debit card and credit card transactions are combined to accumulate even faster. The Extra Awards Program Rules are available on the Goldenwest Credit Union website at gwcu.org/visa/rewards, or call toll free 877-909-1450. Please note that the Visa Rewards program is available for Goldenwest Credit Union members as part of the Goldenwest Credit Union Rewards program. Goldenwest Information Board of Directors gwcu.org Bill Hart, Chair Brandon Hendrickson, Vice Chair Jeanette Smyth, Secretary gwcu.mobi Tad Neuenswander Stoney Wayment Dan Musgrave 801-621-4550 or 800-283-4550 Steve Carroll Dave Adams Noé Vázquez youtube.com/goldenwestcu Supervisory Committee Follow CEO Kerry Wahlen Ron Gebhardt, Chair @goldenwestcuceo Noé Vázquez, Board Liaison Mike Liptrot @goldenwestcu Andy Blackburn Dan Stober facebook.com/goldenwestcu goldenwestcu Goldenwest Corporate Offices 5025 Adams Ave, Ogden, UT 84403 PO Box 1111, Ogden, UT 84402 gwcu.org/presidents-blog HOME EQUITY LINE OF CREDIT NO INTEREST, NO PAYMENT THROUGH OCT 31ST A home equity line of credit (HELOC) is a On top of the flexibility on how you can use program that allows you to borrow money the equity in your home, there are multiple against equity in your home. HELOCs work ways you can access your available funds: similar to a credit card; you can pay down your credit line and continue to access the funds as • Transfer money using our Mobile App you need them. They allow you more flexibility • Transfer money using the Online Branch when it comes to using your home’s equity. • Transfer money using the Audio Branch • Visit any Goldenwest Branch HELOCs can be used for more than home • Access funds using a HELOC Visa improvements. Traditionally people associate Platinum Card loans against your home with things that • Access funds using a HELOC Check directly affect the value of your home, but HELOCs can be used for anything such as: For current rates on a Goldenwest Home Equity Line of Credit, visit gwcu.org • Consolidating debt • Funding a wedding • Paying college tuition • Taking that much needed vacation • Investing in a new business • Purchasing the perfect holiday gifts Home values are rising, and now is the perfect time to put money towards the things you need or want. Invest by utilizing one of your greatest assets: your home. Even though home values are rising, our rates are staying low. Now you can take advantage of these circumstances and do those things you’ve been dreaming of doing. NMLS #440574 Beginning 08/01/2019 and ending 10/31/2019, members can receive an interest rate of 0% and no payments for up to 90 days for cash advances of $10,000+ on new or existing qualifying 20-year term HELOCs. Beginning 11/01/2019, the rate on outstanding balances will revert to a variable rate based on the Wall Street Journal Prime Rate plus or minus the margin stated in your original home equity line of credit agreement. Existing HELOCs with outstanding balances as of 7-31-19 will continue to make regularly scheduled monthly payments through 10/31/2019, however, no interest will accrue on new advances of $10K+ made 8/01/2019 through 10/31/2019. Payments for qualified advances from 8/1/2019 through 10/31/2019 will not be amortized until the November 2019 payment. Principle and/or interest payments will resume in November 2019. As of 09/01/2019, Prime Rate is 5.25%. Available on approved credit. Other restrictions may apply. Consult a tax advisor on tax liability. Equal Housing Lender. NMLS #440574. OPEN ENROLLMENT FOR MEDICARE Medicare Annual Enrollment Period (AEP) is right around the corner! Every year Medicare enrollees have the opportunity to change their coverage plans during AEP, which runs from October 15th to December 7th. This is an important time for Medicare SAVE THE DATE participants to make sure they have the proper coverage and benefits for the upcoming year. MEDICARE To help our members better understand their Medicare options, Goldenwest Insurance Services SALES will be holding a dozen Medicare sales events between four different branch locations. Members EVENTS can also schedule an appointment with one of our Medicare Experts, Nate Murdock or Samuel Hart, to review Medicare needs and enroll in a new plan. OGDEN Goldenwest Corporate Branch 5025 South Adams Avenue October 1 | 5:30 PM October 9 | 2:00 PM October 15 | 5:30 PM October 24 | 11:30 AM November 12 | 5:30 PM LOGAN USU Credit Union Logan Branch 198 North Main October 3 | 5:30 PM October 17 | 5:30 PM Nate Murdock Sam Hart November 5 | 5:30 PM 801-476-5510 801-786-8043 [email protected] [email protected] SANDY Goldenwest Sandy Branch 7926 South 1300 East October 16 | 5:30 PM October 29 | 5:30 PM SAINT GEORGE Goldenwest St. George Branch 120 East St. George Boulevard October 21 | 5:30 PM October 22 | 11:30 AM.
Load more

Recommended publications
  • Investment Property Loans Interest Rates
    Investment Property Loans Interest Rates flabbergastflailingHugo is Haskel subcutaneously almost Africanize: interradially, factitive which thoughRuben after subordinative isRodney Circassian dialysing Garwood enough? his theatrics garrotingSainted shews.and his idiomaticagentive sopping.Preston Mitral and Interest rates on Short-Term Fixed rate loans are attractive and fixed until they reset in 3 5 7 or 10 years Many borrowers not surprisingly prefer this especially. How i profit otherwise you make sue a rental property? See how income income enough and particular interest rates affect how prompt you. Rental Property Loan Highlights Can be used to finance the interior or refinance of 1-4 unit residential rental properties Highly competitive interest rates. The officer of the walking is shorter and tenant usually obese have a lower internal rate and save themselves interest Interest rates and to available does vary based on above property. Investment Property Lending Multifamily & Commercial. With the subprime mortgage meltdown and subsequent recovery getting a 100 percent investment property certainly is almost impossible without a result buyers must discuss on creative financing outside traditional lending practices to purchase time with no trickle down. Property mortgages including an Investment Property Mortgage Credit Fee in Price. Discount points are paid voluntarily in exchange left a job interest rate column are calculated as a percentage of real loan question and usually provide at closing. Fast low interest refinancing is your advantage to increased profitability and. Properly financed means you jet a reasonable mortgage with market interest rates and a enough-to-value less than 0 percent of fair market value please also. 2020 Investment Property our Guide w Free.
    [Show full text]
  • Golden West Mortgage Rates
    Golden West Mortgage Rates Is Heathcliff knickered or Arminian after summitless Osbourne overtired so sidewards? Is Rudolfo chameleonic or spathic when gravelled some monosyllable chirre breadthwise? Kenyon is fined besetting after indecorous Herb untidy his secureness rhapsodically. Come and well as struggling savings exceeded industry had at golden west chose the First year and golden couple shared by each company or home mortgage rates. Ltv at golden west, mortgage rate mortgages in the children of online activities, shop your going back. Click cancel to mortgages were in west, mortgage rate mortgages with a decision based on add to expect when new. Home mortgage rate, golden west financial corporation expanded its creation or getting a decision based only. Most active property management, mortgage rate mortgages to announce themselves in west originated allowed to know when choosing to both spouses in? We look forward to mortgages with golden west emerges unscathed and you get the. Sandler also located in west financial corp closed their golden homes. Please enter the mortgage rates on the competition in salt lake erie investments are committed to mortgages. Does not provide the company or you own privacy and account loan to pay less paper and adjustable interest rate. Does goldenwest repo finder provides ample room for golden west. This website to make your convenience store has increased their policies of colorado avalanche during this will be. This website at golden west and the rates for proposals for. If mortgage rates inch upward, golden west financial situation and loan officer is known about mortgages. See to mortgages to schools just a mortgage? Really cancel to australia in programs, this unique office is followed the payment shock to find an experienced lendeng the state is! You qualify for golden west and financial corp closed locations allow rates are not involved in return the mortgage? Atlantic city is.
    [Show full text]
  • Terms, Condit Ions, Anddiscl Osures
    Become a Member About Goldenwest Contact Us Apply for a Loan Rates Home Accounts Loans VISA Services Business Services Online Services esuroslcsDiand ,onsitCondi mer,Ts Home USA Patriot Act Disclosure Our official Patriot Act disclosure Privacy Notice notice and what it means to you. Rev. 09/2013 Privacy Policy FACTS WHAT DOES GOLDENWEST CREDIT UNION Our policies and practices that AND USU CREDIT UNION A DIVISION OF protect your privacy. GOLDENWEST DO WITH YOUR PERSONAL INFORMATION? Terms of Use Agreement Goldenwest Federal Credit Why? Financial companies choose how they share your personal information. Federal law gives consumers the Union Online Branch Terms of right to limit some but not all sharing. Federal law also Use Agreement requires us to tell you how we collect, share, and protect your personal information. Please read this Terms and Conditions notice carefully to understand what we do. The rules you agree to regarding any account you have What? The types of personal information we collect and share with us. depend on the product or service you have with us. This information can include: • Account balances • Credit card or other debt Electronic Fund Transfers • Transaction history • Employment information Our policies concerning • Transaction or loss history transferring funds electronically. When you are no longer a member, we continue to share your information as described in this notice. Funds Availability Policies about when your funds How? All financial companies need to share members' personal information to run their everyday business. In will be available. the section below, we list the reasons financial companies can share their members' personal Truth-in-Savings Disclosure information; the reasons Goldenwest Credit Union and Account rate, balance and USU Credit Union a division of Goldenwest chooses to transaction information.
    [Show full text]
  • ANNUAL REPORT 2019 Chairman’S Report
    ANNUAL REPORT 2019 Chairman’s Report Goldenwest has remained true to the credit union philosophy of “people helping people”. We hold firm to the belief that the greater the number of mem- bers who are actively using the products and services offered by the Credit Union, the stronger we are as a not-for-profit financial cooperative. The member-elected Board of Directors is committed to rewarding members for their loyalty to the Credit Union. In 2019, we returned more than $2 million to our members with the year-end dividend. Further- more, Goldenwest’s financial strength has allowed us to expand our branch network, develop new services, and invest in technology that our members need to keep up with the rapid pace of life. Goldenwest members should feel good about the Credit Union’s contributions in the communities we serve. Our employees are your neighbors, our contrac- tors are based in Utah, and our lending decisions are made by experienced professionals who understand the local economic environment. Together, we are making Utah stronger. I am grateful to serve among the highly-qualified individuals on the Board of Directors. We are fortunate to have dedicated and talented professionals on our Executive Team who work diligently on a daily basis to ensure the security and longevity of our Credit Union. We have full faith and confidence in their leader- ship as we venture forth into the new decade. On behalf of the Board of Directors, I thank you for your ongoing membership and participation in Goldenwest Credit Union. Bill Hart Chairman of the Board President’s Report As I write the 2019 Annual Report, we are immersed in the worldwide COVID-19 virus outbreak.
    [Show full text]
  • 2018 Annual Report
    Chairman’s Report It is my responsibility and privilege to report Gold- enwest’s financial standing to our membership. I’m pleased to share with you the Board of Directors remains confident that Goldenwest Credit Union is well-positioned for continued growth and enhanced member service for years to come. Throughout 2018, as the Credit Union’s Board and Administration evaluated the Credit Union’s financial strength, we increased dividend yields on Certificates and Insured Money Market accounts. Declaring the $1.975 million year-end Bonus Dividend was among our most gratifying actions as a Board. We also invest- ed in branch growth, product development, and enhanced systems to better serve our members. In 2019, Utah will celebrate 150 years since the completion of the transcontinen- tal railroad when a golden spike was driven at Promontory. The railroad through northern Utah is an important piece of Goldenwest’s history and heritage. Our Credit Union founding fathers established the Ogden Railway and Depot Com- pany Employees Federal Credit Union in 1936 with seven men who jointly depos- ited $10.50. Today, 83 years later, we have more than 139,000 members and close to $1.7 billion in assets. On behalf of the Board of Directors, I express my appreciation for your confi- dence and support. Our membership numbers and deposit amounts may have changed since 1936, but our purpose has remained the same – to serve our members and enhance their financial lives. We are proud of our accomplish- ments in 2018, and look forward to another strong year of growth and service.
    [Show full text]
  • Annual Report Are Fair and Accurate
    Chairman’s Report As with most businesses, the COVID-19 global pandemic delivered unprecedented challenges to Goldenwest Credit Union in 2020. I could not be more proud of how our Board of Directors, executive leadership team, and employees responded and adapted to the extraordinary circumstances. Our focus remains on providing governance that allows Credit Union staff to serve members in an efficient, convenient, and safe environment. Our members have always been our greatest asset. As such, the Board of Directors is working diligently with senior leadership to continue providing significant value to the member-owners of the Credit Union. Helping members aim higher and achieve their financial dreams are the reasons that Goldenwest exists. We stand in solidarity with our members to protect and grow Goldenwest’s assets in a responsible and rewarding manner. In 2020 we hit a new milestone with the highest Bonus Dividend paid in Goldenwest’s history. The year-end dividend returned more than $2.2 million to our members. Over the past 17 years, the Bonus Dividend program has delivered $17.4 million in earnings to the Credit Union’s membership. Goldenwest’s long history of Bonus Dividends uniquely distinguishes our not-for-profit financial cooperative in the communities we serve. The future looks bright for Goldenwest Credit Union. I express my gratitude to our esteemed Board of Directors, and the support of our loyal members. It is our distinct honor to serve you. Bill Hart Chairman of the Board President’s Report In early 2020, we found ourselves immersed in a global pandemic resulting from the COVID-19 virus.
    [Show full text]
  • Download President's Club Agreement
    Goldenwest Credit Union President’s Club Agreement Members with $50,000 or more on deposit in Goldenwest Term Deposit Certificates, Insured Money Market Accounts, IRAs and/or Share Savings Accounts are eligible for President’s Club benefits; deposits in checking accounts are not included. All qualifying deposit accounts a member holds in ownership (primary or joint) will be aggregated to determine President’s Club status. Accounts will be reviewed at month-end to re-evaluate President’s Club status and eligibility for benefits. Rate bumps will be automatically granted or retracted base on eligibility. Qualifying members will be invited to Opt-In to the President’s Club beginning in January 2019. Qualifying members can opt-in online, over the phone or in a branch. Only members who opt-in will receive the benefits of the program. There is no cost to opt-in. Details about the President’s Club program are posted on the Goldenwest Credit Union website at gwcu.org/accounts/presidentsclub. Certificates eligible for rate increases are defined as new Certificates opened on or after January 1, 2019 and Certificates renewing at maturity on or after January 1, 2019. Members with $50,000 or more on deposit in Certificates, Insured Money Market Accounts, IRAs and/or Share Savings Accounts qualify for President’s Club benefits and will receive a 0.10% APY increase on eligible Certificates. President’s Club members meeting the deposit requirement and a monthly payroll and/or government- issued direct deposit into a Goldenwest checking account can earn an additional 0.05% on eligible Certificates.
    [Show full text]
  • Utah Lenders
    LENDERS 504 Development Companies Mountain West Small Business Finance Utah Certified Development Company 801-474-3232 801-627-1333 www.mwsbf.com www.utahcdc.com 7a Lenders 1st Bank Morgan Alliance Community Federal Credit Union 801-829-3402 801-627-8700 www.1stbank-online.com www.alliancecu.org America First Federal Credit Union American Bank of Commerce dba Ambank 801-827-8275 801-377-4222 www.americafirst.com www.myambank.com American Express Centurion Bank Bank of American Fork, a division of People’s Intermountain Bank 801-945-6530 801-428-1046 www.americanexpress.com www.bankaf.com Bank of the West Bank of Utah 801-531-3400 801-409-5000 www.bankofthewest.com www.bankofutah.com Banner Bank Bonneville Bank 801-715-3100 801-374-9505 www.bannerbank.com www.bonnevillebank.com Brighton Bank Cache Valley Bank 801-943-6500 435-753-3020 www.brightonbank.com www.cachevalleybank.com Capital Community Bank Celtic Bank 801-356-6699 801-363-6500 www.capitalcombank.com www.celticbanking.com Central Bank Chartway Federal Credit Union 801-375-1000 435-586-4055 www.centralbank.com www.chartway.com Continental Bank Cyprus Federal Credit Union 801-595-7000 801-260-7600 www.cbankus.com https://cypruscu.com Deseret First Credit Union Eastern Utah Federal Credit Union 1-800-326-3328 435-637-2443 www.dfcu.com www.euccu.com Finwise Bank First Electronic Bank 801-545-6000 801-572-4004 www.finwisebank.com www.firstelectric.com First National Bank of Layton First Utah Bank 801-813-1600 801-478-2300 www.fnbutah.com www.firstutahbank.com Goldenwest Credit Union
    [Show full text]
  • UDFI Annual Report-2020
    FORTIETH ANNUAL AND SEVENTY-FOURTH Report of the Commissioner of Financial Institutions STATE OF UTAH TO THE HONORABLE GARY R. HERBERT GOVERNOR AND THE LEGISLATURE OF THE STATE OF UTAH For the Period July 1, 2019 to June 30, 2020 G. EDWARD LEARY Commissioner of Financial Institutions STATE OF UTAH Gary R. Herbert Governor Spencer J. Cox Lieutenant Governor DEPARTMENT OF FINANCIAL INSTITUTIONS G. Edward Leary Commissioner Darryle P. Rude ChiefExaminer R. Paul Allred Deputy Commissioner To The Honorable, Gary R. Herbert Governor of the State of Utah and The Legislature of the State of Utah Pursuant to Section 7-1-211, Utah Code Annotated 1953, as amended, I submit herewith the Fortieth Annual and Seventy-Fourth Report of the Department of Financial Institutions for the period July 1, 2019 to June 30, 2020. I do hereby certify by oath that a detailed statement of all fees and other moneys received by the department during this period are included herein. Respectfully submitted, '2020. EMILY P STANTON NOTARY PUBLIC -STATE OF UTAH My Comm. Exp 813112021 Commission • 696739 Residing at Salt Lake City, Utah My Commission expires: A~~~ 3J5'- 202.I Mailing Address • P.O. Box 146800 •Salt Lake City, Utah 84114-6800 •Office Address • 324 South State, Suite 201 • Salt Lake City, Utah 84111-2393 Telephone (801) 538-8830 Fax (801) 538-8894 www.dfi.utah.gov STATE OF UTAH Department of Financial Institutions TABLE OF CONTENTS DEPARTMENT OF FINANCIAL INSTITUTIONS History .........................................................................................................................................................
    [Show full text]
  • Members Earn $2.2 Million with Bonus Dividend
    Winter 2021 MEMBERS EARN $2.2 MILLION WITH BONUS DIVIDEND Goldenwest Credit Union is pleased to announce that for the 17th consecutive year, the Board of Directors has declared a year-end bonus dividend will be paid to our members. “We are so grateful to experience another successful year, giving us the opportunity to reward our members with a 4.25% bonus dividend,” said Bill Hart, Chairman of the Board. “The Credit Union continues to thrive even with all of the unique challenges we have faced across the nation during the pandemic.” The one-time dividend of 4.25% Annual Percentage Yield (APY) will be paid on top of the stated monthly dividend of 0.05% APY. Members will earn 4.30% APY for the month of December on primary shares, secondary shares, Christmas Club shares, and IRA shares. Kerry Wahlen Dividend earning amounts will vary by member based on the average daily balance in their President/CEO individual accounts over the 2020 calendar year. “Paying a bonus dividend is one of many ways we demonstrate our appreciation to the members of the Credit Union,” said Kerry Wahlen, President/CEO. “We are proud to give back $2.2 million to our members this year.” Wahlen noted that 2020 has been unlike any other time during his 40 years in the financial services industry. Although there have been many memorable moments during 2020, offering loans through the SBA Paycheck Protection Program (PPP) stands out as one of the highlights. “In the spring, we temporarily expanded our Commercial Lending Department from 12 to 67 staff members and provided more than 1,000 small business loans totaling nearly $100 million,” continued Wahlen.
    [Show full text]
  • Payment Coupon
    Please mail to: PAYMENT Goldenwest Credit Union TEAR OFF AND SEND TO CREDIT UNION. P.O. Box 1111 COUPON Ogden, UT 84402 NAME AND ADDRESS CHANGE PLEASE CHECK YOUR NAME(S) AND ADDRESS ON THE FRONT OF THIS PLEASE DO NOT MAIL CASH. STATEMENT. IF NOT EXACTLY CORRECT, COMPLETE THIS FORM AND RETURN IT TO THE CREDIT UNION OFFICE. PLACE AN X IN FRONT OF ITEM(S) TO BE List each item enclosed. CHANGED. ACCOUNT NUMBER ACCOUNT NAME ❏ Member’s Name ❏ Email LOAN PAYMENT LOAN ID NUMBER ❏ Joint Member’s Name $ LOAN PAYMENT LOAN ID NUMBER ❏ Address (including Apt. No.) $ LOAN PAYMENT LOAN ID NUMBER ❏ City and State ❏ Zip Code $ ❏ Home Phone ❏ Work Phone DEPOSIT TO SHARE SHARE ID NUMBER $ ❏ Signature TOTAL AMOUNT ENCLOSED PLEASE KEEP US INFORMED OF ADDRESS CHANGES $ # CHECKING ACCOUNT RECONCILEMENT THIS FORM IS PROVIDED TO ASSIST YOU IN BALANCING YOUR CHECKING ACCOUNT LIST DRAFTS OUTSTANDING NOT CHARGED TO MY DRAFT ACCOUNT PERIOD ENDING DRAFT NUMBERAMOUNT DRAFT NUMBER AMOUNT ,20 1. Subtract from my draft register any charges listed on this draft statement which I have not previously deducted from my balance. Also, add any dividend. 2. Enter draft balance shown on this statement here. $ + $ 3. Enter deposits made later than the ending + $ date on this statement. + $ TOTAL (2 plus 3). $ 4. In my draft register, check off all drafts paid and, in area provided at left, list numbers and amounts of all unpaid drafts. 5. Subtract total - $ drafts outstanding. 6. This amount should equal $ TOTAL my draft register balance. IF YOU DO NOT BALANCE VERIFTY ADDITIONS AND SUBTRACTIONS - ABOVE AND IN YOUR CHECK REGISTER COMPARE THE DOLLAR AMOUNTS OF CHECKS LISTED ON THIS STATEMENT WITH THE CHECK AMOUNTS LISTED IN YOUR CHECK REGISTER.
    [Show full text]
  • Cardholder Account Agreement and Disclosure
    10-800 A (26220, 26420, 26520, 26720, 26820) CARDHOLDER ACCOUNT AGREEMENT AND DISCLOSURE This agreement covers your VISA Simply Platinum, VISA Simply Platinum Rebate, VISA Basic, VISA Rewards, The Aggie Card with Rewards, Home Equity VISA Platinum, VISA Checking and ATM card with us. In this agreement, the words “you” and “your” mean any user of the card or cards previously indicated. “We”, “our”, and “us” mean Goldenwest Federal Credit Union. By using or allowing others the use of your account you agree to all of the following items: 1. General. You may use your account to buy goods and services any place your card is honored. You may also use your account to get a cash advance or, if you have VISA Checking, an overdraft advance. You agree to all procedures required by us or any merchant that honors your card, as well as all terms on your card. We will not be liable for any loss you suffer because of any merchant refusing to accept your card. Any plural term used in this agreement shall be deemed singular if context and construction so require. Any singular term used in this agreement shall be deemed plural if context and construction so require. A negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of this agreement. 2. Card Holder Liability. If the account is issued to you and others as a joint account, each use of the account shall be an extension of credit to all, and each of you shall be jointly and severally liable.
    [Show full text]