Section 5 — JOINT SHARE ACCOUNT AGREEMENT, if applicable FASNY FCU is hereby authorized to recognize any of the signatures subscribed on this application in the payment of funds or the transaction of any business for this account. The joint owners of this Account hereby agree with each other and with FASNY FCU that all sums now paid in on shares, or heretofore or hereafter paid in on shares by any or all said joint owners to their credit as such joint owners with all accumulations thereon, are and shall be owned by them jointly, with right of survivorship and be subject to the withdrawal or receipt of any of them, and payment to any of them or the survivor or survivors shall be valid and discharge FASNY FCU from any liability for such payment. Any or all said joint owners may pledge all or any part of the share in this as collateral security to a loan or loans. The right or authority of FASNY FCU under this agreement shall not be changed or terminated by said owners, or any of them except by written notice to FASNY FCU which shall not affect transactions therefore made. We reserve the right to require written consent of all owners for any change to or termination of an account. Section 6 — SHARE DRAFT (CHECKING) ACCOUNT AGREEMENT, if applicable Membership Application FASNY FCU is authorized to pay items signed by me/us and to charge all such payments against the shares in this account, as outlined in our Disclosure Statement. It is further agreed that: a. FASNY FCU is under no obligation to pay an item that exceeds the fully paid and collected share balance in this account; FASNY FCU may, however, pay such items and transfer shares to this account in the amount of the resulting overdraft, from any designated overdraft sources or any other share account from which any of the undersigned is then able to withdraw shares, excluding certificates. See Fee Schedule. b. You are able to designate an alternate source of transfer funds. If you have applied under separate agreement and have been approved for an Overdraft Line of Credit, FASNY FCU may first advance funds from your Overdraft Line of Credit and apply the funds to any overdrafts. If any amount of available credit is insufficient to pay the overdraft, transfers will be made from the accounts listed above. c. FASNY FCU reserves the right to close share draft (checking) accounts with zero balances and no activity for three (3) consecutive months. • Membership in FASNY FCU requires the opening of a savings account with a minimum $5 deposit • A minimum opening deposit of $50 is required to also open a checking account • Photocopy of current driver’s license or valid photo ID is required Section 1 — PRIMARY ACCOUNT HOLDER INFORMATION First Name Middle Initial Last Name Social Security Number Street Address (No P.O. Boxes) City State Zip Mailing Address (if different) City State Zip Home Phone Number Date of Birth Cell Phone Number Mother’s Maiden Name E-mail Address FASNY/NVFC Member # Female Employer Occupation Middle Initial Last Name What this means for you: When you open an account, we will ask for your name, address, telephone number, date of birth, social security number or EIN, employer, driver’s license number or picture ID. We may also ask to see a copy of these identifying documents. Under penalty of perjury, I certify that (1) the number shown on this form is the correct taxpayer identification number, (2) I am not subject to backup withholding either because I have not been notified that I am subject to backup withholding as a result of a failure to report all interests or dividends, or the Internal Revenue Service (IRS) has notified me that I am no longer subject to backup withholding, and (3) I am a U.S. person (including a nonresident alien). The IRS does not require my consent to any provisions of this document other than the certification required to avoid backup withholding. Section 9 — APPLICATION CERTIFICATION AND SIGNATURE(S) Section 2 — JOINT ACCOUNT HOLDER INFORMATION First Name Important Information About Procedures for Opening a New Account: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. Confidentiality of the information maintained by FASNY FCU will be protected as required under our Privacy Policy. Section 8 — CERTIFICATION AS TO TAXPAYER ID (SS) NUMBER & BACKUP WITHHOLDING Work Phone Number Gender Male Section 7 — USA PATRIOT ACT Social Security Number I hereby make application for membership in FASNY FCU and agree to conform to its bylaws and amendments, Terms and Disclosures and Electronic Funds Transfer regulations thereof. Everything I have stated in this application is correct to the best of my knowledge. FASNY FCU may periodically request and use reports from outside consumer reporting agencies and may answer questions about FASNY FCU’s experience with me. If I request it, FASNY FCU will tell me/us whether or not such a report was requested, and if so, the name and address of the consumer reporting agency or agencies. Street Address (No P.O. Boxes) City State Zip Section 10 — eSTATEMENTS Mailing Address (if different) City State Zip By opting for eStatements in Section 3 above, I agree to accept my periodic account statements online (eStatements) and to not receive paper statements by mail. I will receive an email from FASNY FCU advising me that my eStatement is ready for reviewing. My eStatements will include the periodic account and transaction activity for my deposit and loan accounts, electronic funds transfer services, and notice of billing error rights. I may access eStatements by logging into the internet banking service on the FASNY FCU website www.fasnycu.com. Home Phone Number Date of Birth Cell Phone Number Mother’s Maiden Name Work Phone Number Gender E-mail Address FASNY/NVFC Member # Male Please note: You have the right to request periodic statements in paper form, and you may withdraw your consent to receive online statements at any time by contacting the credit union. There are no fees or account restrictions for requesting to withdraw your consent for eStatements and going back to paper statements. Female Employer Occupation How did you hear about FASNY FCU? Advertisement: Where? _________________________________ Section 3 — ACCOUNTS & SERVICES Accounts Amount of Opening Deposit Regular Shares* $___________________ Share Draft $___________________ eStatements† Christmas Club $___________________ ATM/Debit Card** Vacation Club $___________________ Online Bill Pay**† Tax Saver Club $___________________ * required Fellow Firefighter: What department? ______________________ Friend, relative, co-worker. Name: _________________________ Other (please specify): __________________________________ Services † valid Applicant’s Signature _______________________________________________ Date ____________ Co-Applicant’s Signature ____________________________________________ Date ____________ email is required **checking account required Section 4 — MEMBER COMMUNICATIONS By checking the below box, I am indicating my preference to have FASNY FCU contact me by the following method(s) regarding the status of my/our account status or activity. FOR CREDIT UNION USE ONLY Member Number Date Account(s) Opened Added to Internet Teller Please note: In the event we suspect fraudulent activity on your account, we may attempt to reach you by phone to verify information. However, we will never ask you for secure information, like your PIN or password, in any outbound communication. ____ __/__/____ __/__/____ Primary Member ATM/Debit Card Number Card Added to FedComp Checks Ordered My preferred method of communication is: c Home Phone c Cell Phone c Work Phone c E-Mail c Mail ________________ __/__/____ __/__/____ Joint Owner ATM/Debit Card Number Card Added to FedComp Enrolled in Bill Pay ________________ __/__/____ __/__/____
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