Disclosures

These Agreements and Disclosures cover your rights and responsibilities concerning your accounts and the rights and responsibilities of the Credit Union providing these Agreements.

Membership and Account Agreement

Funds Availability Policy Disclosure

Electronic Funds Transfer Agreement & Disclosure

Truth-in-Savings Disclosure

Privacy Policy and Notice

Mastercard Credit Card Agreement

Mobile Deposit User Agreement and Disclosure

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Membership Booklet: Our Membership Booklet contains our Membership & Account Agreement, Funds Availability Policy Disclosure, Electronic Fund Transfers Agreement & Disclosure, and Truth-in-Savings Disclosure. Visit a branch or call us at (337) 482-6956 to request a copy.

Online & Mobile Banking

Online Banking

If Virtual Branch is activated for your account(s), you will be required to use secure login information to access the account(s). At the present time, you may use Virtual Branch to:

  • Withdraw funds from your share and share draft accounts.
  • Transfer funds from your share and share draft accounts.
  • Obtain balance information for your share and share draft accounts.
  • Make loan payments from your share and share draft accounts.
  • Determine if a particular item has cleared.
  • Verify the last date and amount of your payroll deposit.
  • Make bill payments to preauthorized creditors.

Your accounts can be accessed under Virtual Branch via personal computer. Virtual Branch will be available for your convenience 24 hours per day. This service may be interrupted for a short time each day for data processing. We reserve the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. All checks are payable to you as a primary member and will be mailed to your address of record. We may set other limits on the amount of any transaction, and you will be notified of those limits. We may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction and there may be limits on the duration of each access. The following limitations on Virtual Branch transactions may apply:

  • There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one (1) day.

Mobile Banking

If Mobile Banking is activated for your account(s), you will be required to use secure login information to access the account(s). At the present time, you may use Mobile Banking to:

  • Withdraw funds from your share and share draft accounts.
  • Transfer funds from your share and share draft accounts.
  • Obtain balance information for your share and share draft accounts.
  • Make loan payments from your share and share draft accounts.
  • Access your Line of Credit accounts.
  • Determine if a particular item has cleared.
  • Verify the last date and amount of your payroll deposit.
  • Make bill payments to preauthorized creditors.
  • Make deposits using Mobile Deposit; see separate Terms and Conditions for more details.

Your accounts can be accessed under Mobile Banking via mobile device or other approved access device(s). Mobile Banking will be available for your convenience 24 hours per day. This service may be interrupted for a short time each day for data processing. We reserve the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account.

All checks are payable to you as a primary member and will be mailed to your address of record. We may set other limits on the amount of any transaction, and you will be notified of those limits. We may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction and there may be limits on the duration of each access. The following limitations on Mobile Banking transactions may apply:

  • There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one (1) day.
  • See Section 2 for transfer limitations that may apply to these transactions.

Online BillPay

We will process bill payment transfer requests only to those creditors the Credit Union has designated in the User Instructions and such creditors as you authorize and for whom the Credit Union has the proper vendor code number. We will not process any bill payment transfer if the required transaction information is incomplete.

We will withdraw the designated funds from your share draft account for bill payment transfer by the designated cutoff time on the date you schedule for payment. We will process your bill payment transfer within a designated number of days before the date you schedule for payment. You must allow sufficient time for vendors to process your payment after they receive a transfer from us. Please leave as much time as though you were sending your payment by mail. We cannot guarantee the time that any payment will be credited to your account by the vendor.

  • There is no limit on the number of bill payments per day.

Telephone Banking

Telephone Banking

If we approve Audio Response for your accounts, a separate personal identification number (PIN) will be assigned to you. You must use your personal identification number (PIN) along with your account number to access your accounts. At the present time, you may use Audio Response to:

  • Transfer funds from your share and share draft accounts.
  • Obtain balance information for your share and share draft accounts.
  • Make loan payments from your share and share draft accounts.
  • Determine if a particular item has cleared.
  • Verify the last date and amount of your payroll deposit.

Your accounts can be accessed under Audio Response via a touch-tone telephone only. Audio Response service will be available for your convenience 24 hours per day. This service may be interrupted for a short time each day for data processing. The following limitations on Audio Response transactions may apply:

  • There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one (1) day.

The Credit Union reserves the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. The Credit Union may set other limits on the amount of any transaction, and you will be notified of those limits. The Credit Union may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction and there may be limits on the duration of each telephone call.