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Account Rules and Regulations Account Rules and Regulations Agreement and Disclosure of Share and Deposit Account Rules State Employees’ Credit Union 21 ACH Transactions Account Rules and Regulations 21 Federal Wire Transfers Agreement and Disclosure of Share and Deposit Account Rules 22 Other Electronic Transfers 23 When Funds Are Available for Withdrawal Table of Contents 23 Your Ability to Withdraw Funds 23 Longer Delays May Apply 1 Understanding Your SECU Share and Deposit 24 Special Rules Accounts 25 Holds on Other Deposited Funds 1 State Employees’ Credit Union Member 25 Electronic Direct Deposits Identification Notice 2 General Provisions 26 Substitute Check Policy Disclosure 26 Substitute Checks and Your Rights 5 Truth-In-Savings Disclosure 5 Rate Information 27 Deposits to and Withdrawals from Your Account 6 Compounding, Crediting, and Accrual of 27 Deposits Dividends or Interest 28 Collection of Items 6 Balance Information 29 Negative Balance 8 Fees 30 Checks and Other Withdrawals 9 Transaction Limitations 30 Stale and Post-Dated Items 9 Share Term Certificates (STCs) 30 Stopping Payment on Checks 31 Cashier’s Checks 11 Rules for Specific Account Ownerships, 32 Account Balance and Posting Order Beneficiaries, and Designees 35 Overdraft Transfer Service 11 Account Ownership 36 Checking Account Non-Sufficient Funds 11 Joint Accounts 38 Notice of Negative Information 13 Payable on Death Accounts 13 Uniform Transfers to Minors Act Accounts 38 General Account Terms 14 Personal Agency Accounts 38 Statements 14 Powers of Attorney 40 Communications with SECU 15 Trust Accounts 41 Opening Additional Accounts 15 Other Fiduciary Accounts 41 Statutory Lien; Right of Setoff; Security Interest 15 Agency Relationships 42 Holding Funds in Your Account 43 Disputes Involving Your Account 16 Electronic Fund Transfers 43 Limitation of Liability/Indemnification 16 Regulation E Disclosure 44 Claims for Breach of Any Terms of This 16 Consumer Liability Agreement 17 Transfer Types and Limitations 45 Legal Process Against Your Account 18 Confidentiality 45 Assignments, Pledges, and Transfers 18 Documentation 45 Closing an Account 19 Stopping Payment on Pre-authorized 46 Inactive Accounts Transactions 19 Our Liability for Failure to Make Transfers 46 Safety 20 ATM Fees 20 Error Resolution Understanding Your also ask to see your driver’s license or other identifying documents. We may also ask to see your identifying SECU Share and Deposit Accounts documents if you change your name or complete a transaction, such as a withdrawal. State Employees’ Credit Union (SECU) offers a wide variety of account services. This Account Rules and General Provisions Regulations document (this agreement) is the account agreement between you and SECU governing all Use of Certain Terms in This Agreement: of the following accounts at SECU: share accounts • “You” or “your” refers to each person signing (including FAT CAT® share accounts and Zard® share an account signature agreement, anyone accounts), Summer Cash accounts, Holiday Cash who owns an account or anyone who has Club accounts, Salary Advance Cash accounts (in access to or control over an account (including connection with Salary Advance Loans), Individual your agents, such as agents under powers of Retirement Accounts (IRAs), Coverdell Education attorney and personal agents). Savings Accounts (Coverdell ESAs), Simplified • “We,” “our,” and “us” each refers to SECU. Employee Pension IRAs (SEP IRAs), Health Savings • “Item” includes all orders and instructions for Accounts (HSAs), dividend checking accounts the payment, transfer, or withdrawal of funds (including Zard checking accounts), CashPoints®* from your account; for example, a check, Global accounts (CPGs), money market share draft, image, substitute check, everyday non- accounts, Receipt and Agreement accounts, share recurring debit card transaction, recurring term certificates (STCs), and non-dividend checking debit card transaction, ACH transaction, accounts (which are no longer offered as new ATM transaction, preauthorized payment, accounts). automatic transfer, telephone-initiated transfer, online transfer including a BillPay transaction, This agreement is incorporated into the account withdrawal slip, and an in-person payment, signature form associated with each of your transfer or withdrawal instruction. A previously accounts. The account signature form, along with this presented debit or withdrawal is considered a incorporated agreement, and any changes we may new item if presented for payment again and later make to either of them, serves as our contract therefore may be subject to additional fees as a with you governing your share and deposit accounts. new item. Read and keep this agreement so you can refer to • “Includes,” “including,” “include,” or “for it when you have questions about your accounts. example” are used to introduce a list of some, When you open, change, or access your accounts but not all, situations or items that are covered with SECU, you consent to the terms of this agreement. by a particular provision. Please visit www.ncsecu.org for the most up-to-date • When we refer in this agreement to “sufficient version of this agreement. You can also contact your available funds,” “available funds,” “funds local branch or call us at 1-888-732-8562 to request being available,” or similar phrases, we mean a copy. If you have any questions regarding this the Available Balance plus any funds available agreement, please let us know. to the account through your participation in our Overdraft Transfer Service. State Employees’ Credit Union • “Business days” are Mondays through Fridays Member Identification Notice except SECU holidays. • All references to time are in Eastern Standard IMPORTANT INFORMATION ABOUT PROCEDURES FOR Time unless otherwise noted. OPENING A NEW ACCOUNT – To help the government fight the funding of terrorism and money laundering Headings: This agreement uses section and activities, federal law requires all financial institutions paragraph headings to help you find certain subjects. to obtain, verify, and record information that identifies This is done for convenience only. The headings do each person who opens an account. What this not limit the sections and paragraphs. means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may *FAT CAT®, Zard®, and CashPoints® are registered trademarks of State Employees’ Credit Union. 1 2 Governing Law: This agreement shall be governed will not be effective until we receive a properly by and construed in accordance with the laws of the completed request and process it. State of North Carolina. SECU Waiver: We reserve the right to waive the Effect of State and Federal Laws and Regulations: Our enforcement of any of the terms of this agreement account relationship with you is governed primarily with respect to any transaction or series of transactions by this agreement, but it is also governed by the with you. However, any such waiver will not affect our laws and regulations of the State of North Carolina ability to enforce any of our rights with respect to other and the United States of America. If any terms of this members, or to enforce any of our rights with respect agreement come into conflict with applicable law, to later transactions with you, and is not sufficient to those terms will be nullified to the extent they are modify the terms and conditions of this agreement. inconsistent with the law, and the law will govern. If any provision of this agreement is declared to be Your Waiver: You agree to waive any notice of non- invalid or unenforceable, that part will not affect the payment, dishonor, or protest regarding any items validity of the other provisions. credited to or charged against your account. For example, if a check you deposited or we cashed Amending This Agreement: We reserve the right to for you is dishonored and returned to us, we are not amend the terms of this agreement at any time. If required to notify you of the dishonor. we amend this agreement, we will notify you as required by law. When we amend this agreement, Calls and Messages to Your Telephone or Mobile the amended version supersedes all previous versions Device: You agree that we may monitor and/or and governs your account. If you do not agree with record calls with you for any reason. You also agree an amendment, you may close your account. Your that we do not need to remind you of this before any continued use of the account after the effective date phone conversation. When you give us your phone of any amendment will constitute your acceptance number (including cell phone number), or place a of the amendment. Any attempt to amend this call to us, you authorize us to place telephone calls or agreement by striking through, adding language, or send text messages to you at that number, including making any other written changes is void. through the use of automatic dialers and artificial, prerecorded and text messages, in order to service Communications Are Provided in English: your accounts or collect amounts you owe. When “Communications” refers to any written or verbal you give us your phone number or call us, you agree agreements, disclosures, messages, statements, and expressly consent in advance to these terms and applications, documents, policies, forms, notices, conditions. records, instructions, or other information that we provide you or that you sign, complete, agree to Effect of Internal Guidelines: Our internal policies and or submit to us at our request. We provide official procedures are only for our own purposes and do versions of our Communications in English; however, not impose a higher standard of care than otherwise as a service to our members and where possible, we would apply by the law that governs your accounts. may attempt to assist members who have limited English proficiency, including by making available Communications translated into another language. If there are any discrepancies between the official English version and a version translated into another language, the English version will prevail.
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