Checking and Savings Account Application
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- Arron Underwood
- 5 years ago
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1 Checking and Savings Accunt Applicatin Please use the Checking and Savings Accunt Applicatin t: Open a FREE Checking r Dividend Checking and Opt-in r Out f DCU s Overdraft Payment Service including an ptin specific t check card transactins. Request a DCU VISA Check Card r DCU ATM Card Set up Crss-Accunt Transfers - a list f ther members t which yu may transfer funds using Online Banking r Easy Tuch Telephne Teller. Open a Mney Market Accunt Open a Member-Described Savings Accunt Open a Hliday Club Savings Accunt If yu are nt yet a DCU member, DO NOT USE THIS FORM. Yu must cmplete a Membership Applicatin befre pening accunts. Yu can pen accunts with the Membership Applicatin as yu jin DCU. T speed up the prcessing f yur applicatin, please fllw these steps: 1. Fill ut the applicatin cmpletely and sign it. Incmplete r unsigned applicatins will delay prcessing yur request. 2. Mail yur applicatin with a check r mney rder fr yur initial depsit payable t Digital Federal Credit Unin t: Digital Federal Credit Unin Attn: Accunt Services Center 220 Dnald Lynch Bulevard, PO Bx 9130 Marlbrugh, MA What yu can expect Once yu mail in yur applicatin... Allw 2 weeks fr yur request t be prcessed. Yu ll be able t view yur new accunt n Online Banking at that time. Visit dcu.rg and lgin with yur Member Number and secret PIN (Persnal Identificatin Number). Allw 2 additinal weeks t receive a receipt, a Truth-in-Savings Disclsure, and an Electrnic Services Disclsure and Agreement. These disclsures are als available nline frm ur web site at dcu.rg and in ur branches.
2 Digital Federal Credit Unin 220 Dnald Lynch Blvd PO Bx 9130 Marlbrugh, MA dcu.rg New Checking and Savings Accunt Applicatin IMPORTANT INFORMATION (Unless yu are already a DCU member). We are required, by federal law, t btain, verify, and recrd infrmatin that identifies each persn pening r having access t a DCU Accunt. We will ask fr yur legal name, residential address, Scial Security Number (SSN) r Individual Taxpayer Identificatin Number (ITIN), Phne Number, and Date f Birth. REQUIRED IDENTIFICATION: N individual can be named n this accunt in any capacity withut having prvided the fllwing current identificatin, ne f which must include a picture and ne f which must reflect the individual s current residential address as given. If ne f these frms f identificatin includes bth, yu need nly submit that ne: US Driver s License US Scial Security Card Passprt US Military ID US Wrk Visa Other Gvernment Issued picture ID (2nd ID always required). DCU reserves the right t request additinal identificatin. If yu are already a DCU member, yu are nt required t prvide the REQUIRED IDENTIFICATION. Nte: If yu are nt a DCU member, yu must fill ut a Membership Applicatin befre pening accunts. Instructins: Cmplete nly the sectins applicable t yu. In all cases, yu must sign this frm. If there will be a jint wner n any accunt yu are pening, he r she must als sign. Prime Owner s Legal Name Member # Scial Security # / / Date f Birth / / Residential address Accunts and Services Please check all that apply. Check Self fr each accunt yu want and Jint t add the persn listed under Jint Owner Infrmatin. Self Jint Accunt r Service Requested Initial Depsit FREE Checking* (n minimum t pen) $. Dividend Checking ($2, minimum balance t earn dividends. $10.00 mnthly fee fr thse mnths the prduct qualificatins are nt met. See dcu.rg fr details r ask a DCU representative.) $. *** Must Select One f the fllwing if pening a CHECKING ACCOUNT *** I understand that I will receive an acknwledgement f this request. I have read the Disclsure n the reverse and wuld like t: Opt-in t Overdraft Payment Service. Opt-in t Overdraft Payment Service but I d nt want DCU t authrize and pay verdrafts fr my everyday check card transactins prcessed utside f the PIN netwrk. Opt-ut f Overdraft Payment Service. FREE DCU VISA Check Card* (checking accunt required) r DCU ATM Card (Circle Only One) FREE Online Banking (already included with yur DCU membership) I wuld like t make transfers int the fllwing members accunts using Online Banking r Easy Tuch Teller System (knwn as Crss-Accunt Transfers) Enable transfers t Member Numbers:,, Ltd Savings Accunt ($25,000 minimum balance t earn dividends) $. Mney Market Accunt ($1, minimum balance t earn dividends) $. Member Described Savings ($ minimum balance t earn dividends) $. Requested accunt name: Hliday Club $. Transfer $ frm my DCU Checking Accunt each mnth ($20.00 minimum) Transfer $ frm my Savings Accunt each mnth ($20.00 minimum) Share t Share $. Transfer frm DCU Accunt Share Ttal Enclsed (Make checks payable t Digital Federal Credit Unin. Send n cash.).... *Upn Apprval Jint Owner Infrmatin $. Jint Owner s Legal Name SS#/TIN / / Date f Birth / / Residential Address Apt. # City / State / ZIP Years at current address If less than 2, my previus address was Hme phne ( ) Wrk phne ( ) Member # (if DCU member) Agreement By signing belw, I, meaning each and all wh sign this frm, request the services listed abve and agree that, except as indicated n this frm, the infrmatin set frth in my initial membership applicatin remain in full frce and effect. I hereby agree t cnfrm t the Digital Federal Credit Unin s bylaws and the terms and cnditins f the Truth-in-Savings Disclsure and Accunt Agreements, theelectrnic Services Disclsure and Agreements, and the Schedule f Fees and Service Charges which are incrprated by reference whether applicable t prducts and services I am currently requesting r request in the future. By signing this applicatin, I authrize yu t gather and exchange whatever credit, checking accunt, and emplyment infrmatin yu cnsider apprpriate frm time t time. If I, the Prime Owner, am under 17 years f age, I understand that I must have a parent r guardian f legal age as Jint Owner n any checking accunts I have with DCU. I certify that the infrmatin prvided n this applicatin is true, crrect, and cmplete. X X Prime Owner s Signature Date Jint Owner s Signature Date Please send me cpies f the Truth-in-Savings Disclsure and Accunt Agreements, the Electrnic Services Disclsure and Agreements, and the Schedule f Fees and Service Charges. Credit Unin Use Only Rec d / / Prc by # X-Ref # Visa Amunt $ Accepted (Y / N) ID Type # EXP / / Add l Dc.
3 Overdraft Payment Services Disclsure (What Yu Need t Knw Abut Overdrafts and Overdraft Fees) Please review carefully and save a cpy fr yur recrds. An verdraft ccurs when yu d nt have enugh mney (as described in Sectin 4 f this Disclsure) in yur checking accunt t cver a transactin, but we pay it anyway. We can cver yur verdrafts in tw different ways: We have standard verdraft practices that cme with yur DCU Checking Accunt if yu pt-in and are apprved. We call this ur Overdraft Payment Service. The Overdraft Payment Service is meant t cver unintentinal verdrafts and emergencies. This is nt a line f credit and any resulting verdrawn balance must be prmptly repaid. We als ffer verdraft prtectin plans, such as a link t a Primary Savings Accunt r t a Line f Credit (if yu apply and are apprved), which may be less expensive than ur Overdraft Payment Service. T learn mre, ask us abut these plans by cntacting us at r visiting any f ur branch lcatins. The fllwing explains ur Overdraft Payment Service. 1. What cmes with DCU s Overdraft Payment Service if yu pt-in and are apprved? DCU ffers tw different types f cverage based n the ptin yu select when yu pt-in. If yu pt-in t and are apprved fr Basic Overdraft Payment Service, we d authrize and pay verdrafts fr the fllwing transactins: Checks and ther transactins made using yur checking accunt number Autmatic bill payments and ther pre-authrized transactins We d nt authrize r pay verdrafts fr the fllwing transactins: Everyday debit card transactins (nn-pin) ATM transactins Everyday debit card transactins (prcessed thrugh the PIN netwrk) If yu pt-in t and are apprved fr Full Overdraft Payment Service, we d authrize and pay verdrafts fr the fllwing transactins: Checks and ther transactins made using yur checking accunt number Autmatic bill payments and ther pre-authrized transactins Everyday debit card transactins (nn-pin) We d nt authrize r pay verdrafts fr the fllwing transactins: ATM transactins Everyday debit card transactins (prcessed thrugh the PIN netwrk) We authrize and pay verdrafts at ur discretin, which means we d nt guarantee that we will always authrize and pay any type f transactin. If we d nt authrize and pay an verdraft, yur transactin will be declined. 2. What fees will yu be charged if DCU pays yur verdraft? Under ur Overdraft Payment Service: We will charge yu a fee f $30 each time we pay an verdraft, up t a maximum f $60 in paid 1
4 transactin verdraft fees per day per checking accunt. We may authrize and pay transactins that verdraw yur accunt up t $1500 at any ne time. If the verdrawn amunt PLUS the applicable fee wuld result in an verdrawn balance f greater than $1500, the transactin will nt be authrized/paid*. The paid transactin verdraft fee is the same amunt that yu wuld be charged if the transactin were returned. Please refer t DCU s Schedule f Fees and Service Charges fr infrmatin n verdraft, returned transactin, and ther fees. * This des nt include debit card transactins previusly authrized which DCU must hnr. 3. Hw t Opt-In r Opt-Out f DCU s Overdraft Payment Service Yu may pt-in r pt-ut f DCU s Overdraft Payment Service anytime by: Lgging int nline banking: select Accunt Manager, Manage Accunts, and then Overdraft Payment Service under Services; Cntacting ur Infrmatin Center at Stpping by any branch lcatin; r Letting us knw in writing by prviding yur name, member number, signature and date, and the ptin yu ve chsen: Basic Overdraft Payment Service Full Overdraft Payment Service N Overdraft Payment Service 4. Understanding Yur DCU Checking Accunt Balance and When a Transactin May Result in an Overdraft DCU uses yur available accunt balance when determining whether a transactin verdraws yur accunt. Yur DCU checking accunt has tw types f balances: the current balance and the available balance. Yu generally have access t bth balances when reviewing yur accunt nline, at an ATM, by phne, r at a branch; hwever, the available balance will nly reflect transactins that have been authrized r psted t yur accunt. This means that the available balance that yu can review in yur accunt will nt necessarily reflect a check that yu have written r electrnic withdrawal that yu have authrized, but which has nt yet psted t yur accunt. This makes it imprtant fr yu t keep track f all transactins that yu authrize, but which have nt yet psted t yur accunt. The infrmatin belw explains the differences between yur current accunt balance and yur available accunt balance and hw an verdraft may ccur when yu d nt have the necessary available balance in yur accunt t cver transactins yu have made. Yur Current Accunt Balance Yur current balance is the amunt f mney that is actually in yur accunt at any given time. Yur current balance reflects transactins that have psted t yur accunt, including depsit transactins which may be subject t a hld. The current balance des nt include ther transactins that yu have initiated but which have nt yet reached yur accunt such as debit card purchases that have been authrized and are pending r checks yu have written that have nt yet cleared. Yu shuld nt rely n the current balance when determining hw much mney yu can spend withut incurring an verdraft. Examples f Current Balance Yu have a $100 current balance and yu write a check fr $60. Until that check clears yur accunt, yur current balance is $100, because it des nt include the pending check transactin which has nt yet psted. While yur current balance is $100, yu knw yu have already allcated 2
5 $60 f that fr the check yu wrte. Yu have a $100 current balance and yu make a $60 nline purchase with yur debit card (nn- PIN). In mst cases, the merchant will submit an authrizatin hld against yur accunt fr the $60; hwever, whether r nt the merchant des this, yur current accunt balance remains at $100, because the pending nline debit card transactin has nt yet psted t yur accunt. While yur current balance is $100, yu again knw yu have already allcated $60 f that fr yur nline debit card purchase. Yur Available Balance Yur available balance is the amunt f mney that is available t be spent and accunts fr hlds n depsited funds as well as funds that have already been reserved r allcated fr anther transactin, such as a debit card transactin fr which a merchant submitted an authrizatin, but that has nt actually been withdrawn frm the accunt (in ther wrds, mney yu have already spent). When deciding whether yu can spend mney withut incurring an verdraft, yu shuld review yur available balance and accunt fr any transactins that yu have authrized (e.g., checks written r electrnic withdrawals yu have already authrized), but which have nt yet psted t yur accunt. Examples f Available Balance (assuming yu have pted-in t Full Overdraft Payment Service cverage) Yu have a $100 actual balance and yu write a check fr $60. Until that check cmes in t clear yur accunt, yur current balance will reflect $100 because it des nt include the pending check transactin which has nt yet psted. While yur current balance is $100, yu knw have already allcated $60 f that fr the check yu wrte, leaving $40 available t spend. Yu withdraw $70 in cash. The fllwing day, the $60 check clears. The check draws yur accunt balance negative $30 and thereby creating an verdraft. The check is paid, and an verdraft fee is assessed. Yur resulting balance is negative $60. $100 - $70 (cash) - $60 (check) - $30 (verdraft fee) = -$60 Yu have a $100 current balance and yu make a $60 nline purchase with yur debit card. In mst cases, the merchant will submit an authrizatin hld against yur accunt fr the $60. When the merchant des this, yur current accunt balance remains at $100, because this pending nline debit card transactin has nt yet psted. While yur current balance is $100, yu again knw yu have already allcated $60 fr yur nline purchase, leaving $40 available t spend. Yu make anther (nn-pin based) debit card purchase fr $70. The fllwing day, the first $60 debit transactin clears, and the next day the $70 debit card transactin clears, drawing yur accunt balance negative $30 and thereby creating an verdraft. An verdraft fee is assessed. Yur resulting balance is negative $60. $100 - $60 (1st debit purchase) - $70 (2nd debit purchase) - $30 (verdraft fee) = -$60 It is very imprtant t understand that yu may still verdraw yur accunt even thugh the available balance appears t shw that there are sufficient funds t cver a transactin that yu want t make. This happens because the available balance des nt include certain transactins, such as scheduled Payment Center transactins, depsits with hlds n them, checks that yu have written but that have nt yet cleared yur accunt, and debit card purchases fr which either the merchant did nt submit an authrizatin hld r the merchant s hld expired befre the merchant submitted the transactin fr settlement. Yu can avid verdrafts by simply keeping clse track f the mney yu spend regardless f hw yu spend it. Once yu write a check, swipe r dip yur debit card, authrize an electrnic withdrawal, r use any ther transactin methd yu shuld mentally (r by hand in a register) subtract that dllar amunt frm the balance f funds in yur accunt available t yu t spend. Fr infrmatin n hw DCU psts transactins t yur accunt, refer t the Truth-in-Savings Disclsure and Accunt Agreements. 3
6 5. Hw D Yu Qualify fr and Maintain Access t DCU s Overdraft Payment Service? In rder t initially be apprved fr Overdraft Payment Service and t remain eligible, yu must be at least 23 years f age and a member in gd standing with a DCU Checking Accunt pen fr a minimum f 90 days. Please understand that, althugh yu may pt-in anytime, yu will nt be apprved until these cnditins are met. Any negative balance in yur checking accunt that results frm DCU having paid a transactin that causes an verdraft must be repaid prmptly. Negative balances nt repaid prmptly will result in yu being suspended r terminated frm access t the Overdraft Payment Service. 6. Hw Can Yu Avid Overdrafts? Everyne makes mistakes, but here are a few things members can d t avid verdrafts: Recrd all debit card purchases, checks, Payment Center transactins, depsits, credits, transfers, and ATM withdrawals in yur check register. D this as sn as yu initiate the transactin if it's a withdrawal (i.e. as sn as yu write the check, use yur debit card, etc.), r as sn as the transactin actually ccurs if it's a depsit. Remember t include any recurring withdrawals yu have scheduled t ensure the mney is in yur accunt befre the withdrawal clears yur accunt. T cver ptential mistakes, keep a cash cushin in yur accunt. If yu can manage it, an amunt equal t ne week s typical bills is a gd rule f thumb. Set up a Balance is Less Than ntificatin in Online Banking. Pick a minimum safety balance and we will send yu an if yur balance drps belw that amunt. Cntact billers. If the day yu receive yur payrll depsits makes meeting yur current due dates challenging, many billers will allw yu t mdify yur due date. Cntact BALANCE, a free service ffered t ur members. They ffer n-cst financial educatin services. Visit the BALANCE website: Call BALANCE: Call a Financial Cunselr, tll-free at Abve all, make sure there is enugh mney in yur accunt t cver yur transactins befre yu initiate them and review yur accunt nline frequently and yur mnthly statement prmptly t prevent a small mistake frm becming a larger prblem. Fr mre infrmatin regarding verdrafts, g t dcu.rg, call ur Infrmatin Center , r us at dcu@dcu.rg. 4 M727a (Rev. March )
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