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Enrolling in Online Banking
• Please visit our website georgiaunitedcu.org
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• Enrollment in Swift Deposit requires a quick and simple two-step process:
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*Funds deposited using the service may be available within five business days. Georgia United may make funds
available sooner at its own discretion. Please see the Funds Availability policy included in this kit.
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CHECKING
CHECKING
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CURRENT FORFEITURE RATE
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•
Budgeting
tools
available
daily
balance
of
$1,000
and
enjoy
no
per-check
charges!
dailybalance
balanceofof$1,000
$1,000and
andenjoy
enjoyno
noper-check
per-checkcharges!
charges!
daily
• Payroll
availableaccount
for qualified
members;
as well as the ability to set up scheduled transfers
Interestdeduction
bearing checking
• Interest bearing checking account
• Interest
bearing
checking
account
to
reach
your savings
goals
faster!
•• No
monthly
service
(as
long
No
monthly
service fees
fees
(as
long as
as $1,000
$1,000 minimum
minimum daily
daily balance
balance requirement
requirement is
is met)
met)
• No
monthly
service
fees
(as
long as $1,000
minimum daily
balance
requirement
is met)
•• Unlimited
check
writing,
withdrawals
and
transactions
allowed
per
month
Unlimited check writing, withdrawals and transactions allowed per month
• Unlimited check writing, withdrawals and transactions allowed per month
*The National Credit Union Administration (NCUA) insures your deposits (in savings, savings certificates, and
share-draft/checking accounts) up to $250,000. IRA’s are insured separately to $250,000.
2
22
3
CHECKING
CHECKING
Lending
Checkingaccount
accountoptions
options
Checking
Lending
services
with
the
flexibility
you
need!
We have
have a
a wide
wide variety
variety of
of checking
checking options
options for
for every
every stage
stage of
of life.
life. We
We offer
offer
We
We have a wide variety of checking options for every stage of life. We offer
Overdraft
and
Courtesy
to protect
payments
from
insufficient
Whether
inProtection
you’re in the
market
forPay
a new
or usedyour
vehicle,
ready to
make
your
OverdraftProtection
Protection
andCourtesy
Courtesy
Pay
protect
your
payments
from
insufficient
Overdraft
and
Pay
totoprotect
your
payments
from
insufficient
funds,
access
VISA®
Debit
Cards,
E-Statements
and
free
direct
deposit.
dream
home ato
reality
or
are looking
for the perfect
credit
card
options
that best fit
funds,access
access
VISA®Debit
Debit
Cards,E-Statements
E-Statements
and
freedirect
direct
deposit.
funds,
totoVISA®
Cards,
and
free
deposit.
your needs, Georgia United has the right product for you!
Additionally, as
as part
part of
of our
our efforts
efforts to ensure
ensure your
your account
account security,
security, each
each checking
checking
Additionally,
Additionally,
as part
of our
efforts totoensure
your account
security, each
checking
account
features
free
identity
theft
protection!
account
features
free
identity
theft
protection!
account
free
identity
theft
protection!
A few offeatures
our most
popular
loan
products
include:
A few
our
checking
products
include:
fewofof
ofour
ourchecking
checkingproducts
productsinclude:
include:
AAfew
Free
Checking
AutoChecking
Loans
Free
Our
most popular
popular
account is
is free
free when
when you
you sign
sign up
up for
for direct
direct deposit
deposit or
most
account
•Our
Competitive
lowaccount
rates
Our
most
popular
is free
when you
sign up
for direct
deposit oror
Please
sign-up
for
E-Statements
within
90
days
avoid
$5
E-Statements.
Pleasesign-up
sign-upfor
forE-Statements
E-Statementswithin
within90
90days
daystoto
toavoid
avoida a
a$5
$5
•E-Statements.
Flexible terms
E-Statements.
Please
monthly
service
charge.
servicecharge.
charge.
•monthly
No prepayment
penalties or application fees
monthly
service
• No monthly
service fees or minimum balance requirement (direct deposit or E-Statement required
• No monthly service fees or minimum balance requirement (direct deposit or E-Statement required
• Nofor
monthly
service fees or minimum balance requirement (direct deposit or E-Statement required
free checking)
checking)
for free
for
free
checking)
•• Unlimited
Unlimited check
check writing,
writing, withdrawals
withdrawals and
and transactions
transactions allowed
allowed per
per month
month
• Unlimited check writing, withdrawals and transactions allowed per month
•• Free
unlimited
Online
Bill
Pay
(direct
deposit
or
E-Statement
required
Free unlimited Online Bill Pay (direct deposit or E-Statement required for
for free
free Online
Online Bill
Bill Pay)
Pay)
• Free unlimited Online Bill Pay (direct deposit or E-Statement required for free Online Bill Pay)
Full-service
Mortgage products
Thrifty
Checking
Thrifty
Checking
• First mortgages
Don’t have
have many
many checking
checking transactions
transactions each
each month?
month? Then
Then our
our convenient
convenient Thrifty
Thrifty
•Don’t
Second
Don’t
have mortgages
many checking
transactions each
month? Then
our convenient
Thrifty
Checking Account
may
be
the
option
for
you!
For
$2.50
per
month
you
get
20
Account
may
be
theoption
optionfor
foryou!
you!For
For$2.50
$2.50per
permonth
monthyou
youget
get20
20
•Checking
Home Account
Equity
Lines
of
Credit
Checking
may
be
the
checks
(or
transactions),
with
an
additional
service
charge
of
30¢
per-item
over
(ortransactions),
transactions),
withananadditional
additionalservice
servicecharge
chargeofof30¢
30¢per-item
per-itemover
over
•checks
Land/Lot
loans
checks
(or
with
20.
20.
20.
• No minimum balance requirement
• No minimum balance requirement
• No
minimum
balance requirement
•• First
First 20
20 checks/withdrawals
checks/withdrawals included
included (additional
(additional service
service charge
charge applies
applies per
per check/withdrawal
check/withdrawal in
in
• First
20
checks/withdrawals
included (additional service charge applies per check/withdrawal in
excess
of
20)
excess of 20)
of 20)
••excess
Monthly
Monthly statement
statement provided
provided
• Monthly statement provided
VISA® CREDIT CARDS
• No annual fees
Premier
Checking
• VISA benefits
Premier
Checking
the
benefit
of an
interest
bearing
checking
account
with
Premier
Checking
•Enjoy
Nothe
fee
for
balance
transfers
Enjoy
thebenefit
benefit
interestbearing
bearingchecking
checkingaccount
accountwith
withPremier
PremierChecking
Checking
Enjoy
ofofanan
interest
from
Georgia
United.
Receive
monthly
dividends
when
you
maintain
an
average
•from
Introductory
rates Receive
asReceive
low asmonthly
1.99%
APR*
GeorgiaUnited.
United.
monthlydividends
dividendswhen
whenyou
youmaintain
maintainananaverage
average
from
Georgia
daily
balance
of
$1,000
and
enjoy
no
per-check
charges!
• Cash
back of
offer
daily
balance
of$1,000
$1,000and
andenjoy
enjoyno
noper-check
per-checkcharges!
charges!
daily
balance
•*After
Interest
bearing
checking
account
the first
12 months,
Annual
Percentage Rate (APR) will vary based on borrower’s credit-worthiness and
• Interest bearing checking account
• Interest
bearing
checking
account
••ability
No
fees
as
daily
balance
requirement
met)
to repay. service
The estimate
ratelong
is between
9.99%minimum
& 24.99%.
Balance
transfers
must occuris
No monthly
monthly
service
fees (as
(as
long
as $1,000
$1,000
minimum
daily
balance
requirement
iswithin
met) the first three
• No
monthly
service
fees
(as
long as $1,000
minimum daily
balance
requirement
is met)
cycles.
••billing
Unlimited
check
writing,
withdrawals
and
transactions
allowed
per
month
Unlimited check writing, withdrawals and transactions allowed per month
• Unlimited check writing, withdrawals and transactions allowed per month
For more details on our full range of competitive products and services please visit georgiaunitedcu.org.
2
22
4
CHECKING
Retirement Accounts
CHECKING
Checkingaccount
accountoptions
options
Checking
Investment
Accounts for your future needs
We have a wide variety of checking options for every stage of life. We offer
Wehave
havea awide
widevariety
varietyofofchecking
checkingoptions
optionsfor
forevery
everystage
stageofoflife.
life.We
Weoffer
offer
We
Overdraft
Protection
and
Courtesy
Pay
protect
your
payments
from
insufficient
Georgia
United
is committed
to helping
our
members
save.
With our
Overdraft
Protection
andCourtesy
Courtesy
Paytoto
to
protect
yourpayments
payments
frommembers’
insufficient
Overdraft
Protection
and
Pay
protect
your
from
insufficient
funds,
access
to
VISA®
Debit
Cards,
E-Statements
and
free
direct
deposit.
needs
in
mind,
we
offer
three
types
of
Individual
Retirement
Accounts.
We have
funds,access
accesstotoVISA®
VISA®Debit
DebitCards,
Cards,E-Statements
E-Statementsand
andfree
freedirect
directdeposit.
deposit.
funds,
also partnered with CUNA Brokerage Services, Inc. to offer MEMBERS Financial
Additionally, as
as part
part of
of our
our efforts
efforts to ensure
ensure your
your account
account security,
security, each
each checking
checking
Additionally,
Services*. as part
Additionally,
of our
efforts totoensure
your account
security, each
checking
account
features
free
identity
theft
protection!
accountfeatures
featuresfree
freeidentity
identitytheft
theftprotection!
protection!
account
A few
our
checking
products
include:
fewofof
ofour
ourchecking
checkingproducts
productsinclude:
include:
AAfew
Individual Retirement Accounts (IRAs)
Free
Checking
For your
long-term retirement savings needs, consider an IRA with Georgia
Free
Checking
United. To help you meet your retirement savings needs, we are currently
Our most
most popular
popular account
account is
is free
free when
when you
you sign
sign up
up for
for direct
direct deposit
deposit or
or
Our
Our
most three
popular
account
is free
when you
signand
up for
direct deposit
or IRAs).
offering
types
of
IRAs:
Traditional,
Roth,
Coverdell
(Education
E-Statements.
Please
sign-up
for
E-Statements
within
90
days
avoid
$5
E-Statements.Please
Pleasesign-up
sign-upfor
forE-Statements
E-Statementswithin
within90
90days
daystoto
toavoid
avoida a
a$5
$5
E-Statements.
monthly
service
charge.
monthly
service
charge.
For
yourservice
convenience,
Georgia United offers IRA Certificates (CDs) and IRA Share
monthly
charge.
•• No
monthly
service
fees
or
minimum
balance
requirement
(direct
E-Statement
required
No
monthly
service
fees
or
minimum
balance
requirement
(direct deposit
deposit or
orfor
E-Statement
required
Savings
Accounts.
Please
ask
us
or
visit
georgiaunitedcu.org
more
details,
• No
monthly
service
fees
or
minimum
balance
requirement
(direct
deposit
or
E-Statement
required
for free
free checking)
checking)
for
for
freeand
checking)
terms
on these
products.
••rates
Unlimited
check
writing,
withdrawals
and
Unlimited
check
writing,
withdrawals
and transactions
transactions allowed
allowed per
per month
month
• Unlimited check writing, withdrawals and transactions allowed per month
•• Free
Free unlimited
unlimited Online
Online Bill
Bill Pay
Pay (direct
(direct deposit
deposit or
or E-Statement
E-Statement required
required for
for free
free Online
Online Bill
Bill Pay)
Pay)
• Free
unlimited
Online
Bill Pay
(direct deposit
or E-Statement
required
for suits
free Online
Bill
Pay)
An
IRA
might
be the
retirement
savings
vehicle that
best
you,
and
may provide you with additional tax benefits. For details, please contact our
Thrifty
Checking
MEMBERS Financial
Service Representative or your Tax Advisor.
Thrifty
Checking
Don’t have
have many
many checking
checking transactions
transactions each
each month?
month? Then
Then our
our convenient
convenient Thrifty
Thrifty
Don’t
Don’t
have many
checking transactions
each month?
Then our
convenient Thrifty
Checking
Account
may
be
the
option
for
you!
For
$2.50
per
month
you
get
20
CheckingAccount
Accountmay
maybe
bethe
theoption
optionfor
foryou!
you!For
For$2.50
$2.50per
permonth
monthyou
youget
get20
20
Checking
checks
(or
transactions),
with
an
additional
service
charge
of
30¢
per-item
over
checks(or
(ortransactions),
transactions),with
withananadditional
additionalservice
servicecharge
chargeofof30¢
30¢per-item
per-itemover
over
checks
20.
20.
20.
No minimum
minimum balance
balance requirement
requirement
•• No
• No
minimum
balance
requirement
Financial
Services*
is a personal
management
service in
•MEMBERS
First
20
checks/withdrawals
included
service
charge
per
• First 20 checks/withdrawals
included (additional
(additional
servicefinancial
charge applies
applies
per check/withdrawal
check/withdrawal
in
• First
20 checks/withdrawals
included (additional service charge applies per check/withdrawal in
excess
of
20)
designed
especially
for
credit
union
members.
Our
member-exclusive
MEMBERS
excess of 20)
of 20)
••excess
Monthly
provided
Monthly statement
statement
provided
Financial
Services
offers investment services, a wide range of financial
• Monthly statement
provided
management options, and a variety of insurance and investment solutions.
Please contact our MEMBERS Financial Services Representative to create a
personalized financial plan that helps you reach your individual goals.
Enjoy
the
benefit
interest
bearing
checking
account
with
Premier
Checking
Enjoythe
thebenefit
benefitofof
ofanan
aninterest
interestbearing
bearingchecking
checkingaccount
accountwith
withPremier
PremierChecking
Checking
Enjoy
Andy
Anderson,
LUTCF,
CFS®
from
Georgia
United.
Receive
monthly
dividends
when
you
maintain
an
average
fromGeorgia
GeorgiaUnited.
United.Receive
Receivemonthly
monthlydividends
dividendswhen
whenyou
youmaintain
maintainananaverage
average
from
Financial
Advisor
daily
balance
of
$1,000
and
enjoy
no
per-check
charges!
dailybalance
balanceofof$1,000
$1,000and
andenjoy
enjoyno
noper-check
per-checkcharges!
charges!
daily
770.476.6400
ext.
1208
•• Interest
bearing
checking
account
Interest bearing checking account
• Interest
bearing checking
account
•• No
as
No monthly
monthly service
service fees
fees (as
(as long
long
as $1,000
$1,000 minimum
minimum daily
daily balance
balance requirement
requirement is
is met)
met)
[email protected]
• No monthly service fees (as long as $1,000 minimum daily balance requirement is met)
MEMBERS Financial
PremierChecking
Checking
Premier
•• Unlimited
Unlimited check
check writing,
writing, withdrawals
withdrawals and
and transactions
transactions allowed
allowed per
per month
month
• Unlimited check writing, withdrawals and transactions allowed per month
*Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC,
a registered broker/dealer and investment advisor. CBSI is under contract with Georgia United Credit Union to
make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution
Guarantee. Not a deposit of any financial institution. CUNA Brokerage Services, Inc. is a registered broker/dealer
in all fifty states of the United States of America.
2
22
5
Contact
information
Guide
Contact
Contact&&
&information
informationGuide
Guide
nearest branch locations & Hours:
nearest
nearestbranch
branchlocations
locations&&Hours:
Hours:
LOBBY HOURS
dalton - Chattanooga ave. LOBBY
Monday
LOBBY
HOURS
HOURS 9 am - 5 pm
Tuesday
am
pm
dalton
dalton
Chattanooga
Chattanooga
ave.
ave.
1412 Chattanooga Ave.
Monday
Monday
99
9
am
am
- 5-- 5
5
pm
pm
Wednesday
10
am
5
pm
Tuesday
Tuesday
99
am
am
- 5- 5
pm
pm
1412
1412
Chattanooga
Chattanooga
Ave.
Ave.
Dalton,
GA 30720
Thursday
9
am
5
pm
Wednesday
Wednesday 1010
am
am
- 5- 5
pm
pm
Dalton,
Dalton,GA
GA30720
30720
Friday
9 am - 5 pm
Thursday
Thursday
Friday
Friday
Dalton - Calhoun St.
Dalton
Dalton
- Calhoun
St.
605- Calhoun
Calhoun
St.St.
605
605Calhoun
Calhoun
St.St.
Dalton,
GA 30721
Dalton,
Dalton,GA
GA30721
30721
99
am
am
- 5- 5
pm
pm
99
am
am
- 5- 5
pm
pm
LOBBY HOURS
Monday
LOBBY
LOBBY
HOURS
HOURS 9 am - 5 pm
Tuesday
9
am
5
pm
Monday
Monday
99
am
am
- 5-- 5
pm
pm
Wednesday 9 9
10
am
-pm
5pm
pm
Tuesday
Tuesday
am
am
- 5- 5
Thursday
9am
am
pm
Wednesday
Wednesday
1010
am
--5-55
pm
pm
Friday
9
am
5
pm
Thursday
Thursday
99
am
am
- 5-- 5
pm
pm
Friday
Friday
99
am
am
- 5- 5
pm
pm
drive-up HOURS
Monday
drive-up
drive-up
HOURS
HOURS9 am - 5 pm
Tuesday
am
pm
Monday
Monday
99
9
am
am
- 5-- 5
5
pm
pm
Wednesday
10
am
5
pm
Tuesday
Tuesday
99
am
am
- 5- 5
pm
pm
Thursday
9
am
5
pm
Wednesday
Wednesday 1010
am
am
- 5- 5
pm
pm
Friday
- 5 pm
Thursday
Thursday
9 7:30
9
am
am
- 5am
-5
pm
pm
Friday
Friday
7:30
7:30
am
am
- 5- 5
pm
pm
drive-up HOURS
MondayHOURS
drive-up
drive-up
HOURS9 am - 5 pm
Tuesday
9
am
5
pm
Monday
Monday
99
am
am
- 5-- 5
pm
pm
Wednesday 9 9
10
am
5pm
pm
Tuesday
Tuesday
am
am
- 5- -5
pm
Thursday
8am
am
pm
Wednesday
Wednesday
1010
am
--5-55
pm
pm
Friday
8
am
6
pm
Thursday
Thursday
88
am
am
- 5-- 5
pm
pm
Friday
Friday
88
am
am
- 6- 6
pm
pm
Member Care center
Member
MemberCare
Carecenter
center
Our Member Care Center can help you open an account, apply
Our
OurMember
Care
CareCenter
Centercan
can
help
helpyou
you
open
open
anaccount,
account,
apply
apply
for
aMember
loan, answer
product
questions,
add
oran
make
changes
to a
for
for
a aloan,
loan,
answer
answer
product
product
questions,add
addorormake
makechanges
changestotoa a
current
account
and
muchquestions,
more.
current
current
account
account
and
andmuch
muchmore.
more.
Contact
us at 888.493.4328,
option 8.
Contact
Contactususatat888.493.4328,
888.493.4328,option
option8.8.
Member Care Center HOURS
Monday
8 am HOURS
- 6HOURS
pm
Member
Member
Care
Care
Center
Center
Tuesday
8
am
6
pm
Monday
Monday
88
am
am
- 6- 6
pm
pm
Wednesday
10
am
6
pm
Tuesday
Tuesday
88
am
am
- 6- 6
pm
pm
Thursday
8
am
6
pm
Wednesday
Wednesday 1010
am
am
- 6- 6
pm
pm
Friday
am
pm
Thursday
Thursday
88
8
am
am
- 6-- 6
6
pm
pm
Saturday
am
pm
Friday
Friday
89
8
am
am
- 6-- 12
6
pm
pm
Saturday
Saturday
99
am
am
- 12
- 12
pm
pm
Shared Branching & atms
Shared
Shared
Branching
Branching&&atms
atms
This nationwide network of credit unions allows members of Georgia United to conduct their business at
more
than 5,000
participating
credit
unions
atmembers
no
additional
cost. Shared
branching
locations
require
This
This
nationwide
nationwide
network
network
ofof
credit
credit
unions
unions
allows
allows
members
ofof
Georgia
Georgia
United
United
toto
conduct
conduct
their
their
business
business
atat
a photo
ID
and member
number.
For
moreatinformation
andcost.
to
fiShared
ndShared
participating
shared
branching
more
more
than
than
5,000
5,000
participating
participating
credit
credit
unions
unions
at
nono
additional
additional
cost.
branching
branching
locations
locations
require
require
visit
co-opsharedbranch.org.
a locations
a
photo
photo
IDID
and
and
member
member
number.
number.For
For
more
more
information
information
and
and
toto
find
find
participating
participating
shared
shared
branching
branching
locations
locations
visit
visit
co-opsharedbranch.org.
co-opsharedbranch.org.
For
Georgia
United
ATM locations visit the “About Us” tab on georgiaunitedcu.org.
For
For
Georgia
Georgia
United
United
ATM
ATM
locations
locations
visit
visit
the
the
“About
“About
Us”
Us”
tab
tab
onon
georgiaunitedcu.org.
georgiaunitedcu.org.
Additional numbers
Additional
Additionalnumbers
numbers
New Accounts
New
New
Accounts
Accounts
888.493.4328
option 8
888.493.4328
888.493.4328option
option8 8
Lending
Lending
Lendingoption 8
888.493.4328
888.493.4328
888.493.4328option
option8 8
24-Hour ONLINE BANKING
24-Hour
24-Hour
ONLINE
ONLINE
BANKING
BANKING
georgiaunitedcu.org
georgiaunitedcu.org
georgiaunitedcu.org
Mortgage lending services
Mortgage
Mortgage
lending
lending
services
services
888.493.4328
Ext.
6850
888.493.4328
888.493.4328Ext.
Ext.6850
6850
instant access
instant
instant
access
access
770.621.5410
770.621.5410
770.621.5410
800.226.3584
800.226.3584
800.226.3584
FREQUENTLY
FREQUENTLY ASKED
ASKED QUESTIONS
QUESTIONS
Welcome to Georgia United! Below you’ll find answers to commonly asked
Welcome to Georgia United! Below you’ll find answers to commonly asked
questions. Our goal is to ensure that the transition process is seamless for you. If
questions. Our goal is to ensure that the transition process is seamless for you. If
at any time you would like more information, please don’t hesitate to contact us at
at any time you would like more information, please don’t hesitate to contact us at
888-493-4328, option 8. These FAQs will also be placed on georgiaunitedcu.org.
888-493-4328, option 8. These FAQs will also be placed on georgiaunitedcu.org.
Q: When will my accounts become Georgia United accounts?
Q: When
will
accounts
become
Georgia
accounts?
The
conversion
willmy
take
place Saturday,
February
28, 2015.United
Your accounts
will have transitioned
The
conversion
will
take
place
Saturday,
February
28,
2015.
Your
accounts
will have transitioned
and be ready to use as Georgia United on Sunday, March 1, 2015.
and be ready to use as Georgia United on Sunday, March 1, 2015.
Q: Will my account numbers change?
Q:
mySunday,
account
numbers
change?
Yes.Will
Effective
March
1, 2015, your
account numbers and routing number will change. You
Yes.
Effective
2015,
account
numbers
and your
routing
number
will change.
will receive
a Sunday,
WelcomeMarch
Letter1,
with
youryour
Member
Card
containing
unique
member
number.You
will
receive
a
Welcome
Letter
with
your
Member
Card
containing
your
unique
member
number.by
Each of your Georgia United accounts will be attached to this member number and designated
Each
your
Georgia
United accounts will be attached to this member number and designated by
a
twoof
digit
suffix;
for example:
a two
digit
suffix;
for
example:
Member Number: 1234567
Member
Number:1234567
123456701
Savings Account:
Savings Account:
Checking
Account:1234567
123456701
02
Checking
Account:
1234567
Loan Account: 1234567 50 02
Loan Account: 1234567 50
Q: What is Georgia United’s routing & transit number?
Q:
What is Georgia United’s routing & transit number?
261171309
261171309
Q: When can I start banking at Georgia United branches?
Q:
When
can2,I start
Monday,
March
2015 banking at Georgia United branches?
Monday, March 2, 2015
Q: May I continue to use my HealthCom Debit card after the merger?
Q:
I continue
to use
my HealthCom
Debit
after
YourMay
HealthCom
Debit Card
will work
until Monday, March
2, card
2015. After
thisthe
date,merger?
please
Your HealthCom
Debit Card will work until Monday, March 2, 2015. After this date, please
destroy
your card.
destroy your card.
You will receive a new Georgia United VISA® Debit Card during the week of February 20, 2015.
You
a new
United
VISA®
Debit2,Card
during
the week
of February
Yourwill
newreceive
card will
not Georgia
work until
Monday,
March
2015,
so please
continue
to use 20,
your2015.
current
Your new card
willCard
not work
Monday, March 2, 2015, so please continue to use your current
HealthCom
Debit
until until
this date.
HealthCom Debit Card until this date.
Instructions to activate your debit card and set your PIN (personal identification number) will be
Instructions
activate
included
withtoyour
new your
card.debit card and set your PIN (personal identification number) will be
included with your new card.
Your new Georgia United VISA Debit Card will be equipped with more buying power! The cash
Your new
Georgia
United
limits
on your
Debit
Card VISA
are: Debit Card will be equipped with more buying power! The cash
limits
onper
your
Debit
are: cash withdrawals
• $500
day
limitCard
for ATM
•• $500
per
day
limit
forfor
ATM
cash
withdrawals
$1,000
per
day
limit
point
of sale
transactions (PIN based)
•• $1,000
per
day
limit
for
point
of
sale
transactions (PIN based)
$3,500 for signature based transactions
• $3,500 for signature based transactions
1
1
FREQUENTLY
FREQUENTLY ASKED
ASKED QUESTIONS
QUESTIONS
Welcome to Georgia United! Below you’ll find answers to commonly asked
Q: Will I be charged for ATM withdrawals?
questions. Our goal is to ensure that the transition process is seamless for you. If
All Georgia United ATMs are completely free when you use your Georgia United VISA Debit Card!
atATM
any transactions
time you would
like more
information,
don’t
hesitate
to contact
us at fee
performed
at non-Georgia
Unitedplease
ATMs are
subject
to a foreign
ATM usage
888-493-4328,
option 8.
These
FAQs
will we
also
placed
onforeign
georgiaunitedcu.org.
of $0.75 per transaction.
As a
courtesy
to you,
willbe
reverse
these
ATM usage fees!
Q: How many branches will I have access to?
You will have access to 17 full-service Georgia United branches, in addition to over 5,000
Co-Op
Shared
Branching
Centers nationwide.
a complete
list of allaccounts?
locations, please visit
Q: When
will
my accounts
becomeFor
Georgia
United
georgiaunitedcu.org.
The conversion will take place Saturday, February 28, 2015. Your accounts will have transitioned
and be ready to use as Georgia United on Sunday, March 1, 2015.
Q: Will my deposits continue to be insured?
Yes.
Your savings
will continue
to be federally
insured by the National Credit Union Administration
Q: Will
my account
numbers
change?
(NCUA)
up to Sunday,
$250,000.
The1,NCUA
IRAs separately
torouting
$250,000.
Yes.
Effective
March
2015,insures
your account
numbersup
and
number will change. You
will receive a Welcome Letter with your Member Card containing your unique member number.
Q: May
I continue
to use
my HealthCom
account
checks
Each
of your
Georgia United
accounts
will be attachedchecking
to this member
number and
designated by
a
two digit
suffix;
for example:
after
the
merger?
Yes.Member
However,Number:
because1234567
your new Georgia United checking account features a new checking account
Savings
Account:
1234567
01 new checks.
number, you will also be receiving
Checking Account: 1234567 02
During
week of1234567
February 50
20, 2015, you will receive a free box of Georgia United checks.
Loanthe
Account:
Please begin using your new checks immediately. Please note that you will not be able to order
any new HealthCom checks after Friday, February 13, 2015.
Q: What is Georgia United’s routing & transit number?
261171309
Any
outstanding HealthCom checks will clear through your new Georgia United account.
When
can I start
Georgia United branches?
Q: May
I continue
tobanking
use Bill at
Pay?
Monday,
2, 2015
If you areMarch
currently
a HealthCom Bill Pay user, please look out for additional information
regarding Bill Pay. We will mail you a separate Bill Pay communication in a few weeks.
Q: May I continue to use my HealthCom Debit card after the merger?
Your
HealthCom
Debit
Card will work
until
Monday, March
2015.
After this date,
please
Q: I have
direct
deposit
of my
paycheck
into2,my
HealthCom
account.
Do
destroy
your
card.
I need to notify my employer of the change to my account number?
Nothing
needs to
be done
and United
your direct
deposit
without
You will receive
a new
Georgia
VISA®
Debit will
Cardcontinue
during the
weekinterruption.
of February 20, 2015.
Your new card will not work until Monday, March 2, 2015, so please continue to use your current
Q:
I have automatic
from my checking account to a
HealthCom
Debit Card untildeductions
this date.
third party, such as my insurance company. Will these automatic
Instructions to activate your debit card and set your PIN (personal identification number) will be
deductions continue without interruption?
included with your new card.
Yes. If you have preauthorized transactions from your HealthCom checking account, such as a gym
membership,
mortgage,
insurance
payment,
these
transactions
will buying
continue
from your
new
Your
new Georgia
Unitedor
VISA
Debit Card
will be
equipped
with more
power!
The cash
Georgia
checking
without interruption.
limits
onUnited
your Debit
Cardaccount
are:
• $500 per day limit for ATM cash withdrawals
For any new transactions we recommend that you provide your new routing/transit number and
• $1,000 per day limit for point of sale transactions (PIN based)
account number.
• $3,500 for signature based transactions
Q: I have automatic recurring fund transfers between my HealthCom
accounts. Will these transfers continue without interruption?
Yes.
1
2
FREQUENTLY
FREQUENTLY ASKED
ASKED QUESTIONS
QUESTIONS
Welcome to Georgia United! Below you’ll find answers to commonly asked
Q: Will IOur
be able
to
bythat
telephone?
questions.
goal is
tobank
ensure
the transition process is seamless for you. If
Georgia
United’s
free
automated
telephone
banking
(formerly
AMOS),
you can us
bank
atYes.
anyWith
time
you would
like
more
information,
please
don’t
hesitate
to contact
at
around-the-clock. Using any touch-tone phone, you can check account balances, transfer funds,
888-493-4328, option 8. These FAQs will also be placed on georgiaunitedcu.org.
confirm that a check has cleared, make withdrawals, and more. You will use your new member
account number and a password that you create to access Georgia United’s Instant Access
Telephone Teller at 800.226.3584.
Q:
able
bank by become
mail? Georgia United accounts?
Q: Will
WhenI be
will
myto
accounts
Yes.
may mail
loan payments
and
any
otherYour
correspondence
(please
do not
The You
conversion
willyour
takedeposits,
place Saturday,
February
28,
2015.
accounts will to
have
transitioned
mail
cash):
and be
ready to use as Georgia United on Sunday, March 1, 2015.
Georgia United Credit Union, PO Box 100070, Duluth, GA 30096
Q: Will my account numbers change?
Yes.How
Effective
March
1, 2015, your account numbers and routing number will change. You
Q:
doSunday,
I pay my
loan?
will receive
a Welcome
Letter ways
with your
Member
Card containing
unique member number.
There
are several
convenient
in which
loan payments
may beyour
made:
your
Georgia United accounts will be attached to this member number and designated by
•Each
Cashof(in
branch)
a
two
digit
suffix;
for example:
• Checks
Member
Number: 1234567
• Funds
Transfer
Savings Account: 1234567 01
Checking Account: 1234567 02
Q: Do
you offer Overdraft Protection?
Loan Account: 1234567 50
Yes. Your checking account will have automatic Overdraft Protection from your Prime Share
account. Please note that there must be enough available funds in your Prime Share to cover your
Q: What is Georgia United’s routing & transit number?
transaction.
261171309
Additionally, Georgia United also offers an added layer of protection with Courtesy Pay. In the
event
that there
not enough
funds to
your transactions,
Courtesy Pay covers your
Q: When
canare
I start
banking
atcover
Georgia
United branches?
overdraft
items
instead
of
having
a
check
returned.
Monday, March 2, 2015
Qualifying members are eligible to receive enhanced Courtesy Pay benefits on their checking
Q: May IAfter
continue
to use
HealthCom
card
after
the merger?
accounts!
Sunday, March
1, my
2015,
you will needDebit
to opt-in
to access
this benefit
on your
Your HealthCom
Debit Card will work until Monday, March 2, 2015. After this date, please
debit
card.
destroy your card.
Please note that Courtesy Pay is subject to eligibility requirements. Please review your Courtesy
You Disclosure
will receiveor
a new
Georgia
United
VISA®
Card during the week of February 20, 2015.
Pay
contact
us should
you
haveDebit
any questions.
Your new card will not work until Monday, March 2, 2015, so please continue to use your current
HealthCom
Debit Card
until this
Q: When will
I receive
mydate.
account statements?
You
will receive
your final
HealthCom
statement
in early
All identification
Georgia United
checking
Instructions
to activate
your
debit card
and set your
PINMarch.
(personal
number)
will be
account
and
loan
statements
are
processed
on
the
last
day
of
the
month.
All
other
accounts
will
included with your new card.
receive quarterly statements.
Your new Georgia United VISA Debit Card will be equipped with more buying power! The cash
limits
on your
Debit Cardto
are:have access to my accounts through online
Q:
Will
I continue
• $500 per day limit for ATM cash withdrawals
banking?
• $1,000 per day limit for point of sale transactions (PIN based)
On Sunday, March 1, 2015 you will be able to register for Online Banking through
• $3,500 for signature based transactions
georgiaunitedcu.org. Once registered, you will have full access to your accounts and all online
services such as Bill Pay and E-Statement.
1
3
FREQUENTLY
FREQUENTLY ASKED
ASKED QUESTIONS
QUESTIONS
Welcome to Georgia United! Below you’ll find answers to commonly asked
Q: What additional services can be expected as a result of this
questions. Our goal is to ensure that the transition process is seamless for you. If
merger?
at any time you would like more information, please don’t hesitate to contact us at
In addition to the current HealthCom branch location, Georgia United offers 16 additional
888-493-4328,
option
8. These
FAQs will
also be
placed
on on
georgiaunitedcu.org.
convenient banking
locations.
They feature
extended
drive-up
hours
Friday, and select
locations with Saturday hours!
You will have access to a wider array of consumer banking products and services – savings and
checking, loans and mortgages – each with different features and benefits to provide the financial
Q: When
will
accounts
become Georgia United accounts?
solution
that
worksmy
best
for you.
The conversion will take place Saturday, February 28, 2015. Your accounts will have transitioned
and be ready
toalso
use offers
as Georgia
Sunday,
1, 2015.
Georgia
United
a full United
suite ofon
Access
andMarch
Convenience
products including Online
Banking, Mobile Banking with Mobile Deposit, Bill Pay, and VISA® Debit Cards.
Q: Will my account numbers change?
Yes.
Effective
Sunday,ofMarch
1, 2015,
your account numbers and routing number will change. You
A
few
more features
membership
include:
receive
a Welcome
•will
VISA®
Credit
Cards Letter with your Member Card containing your unique member number.
your Georgia
United accounts
will be attached
•Each
Freeofidentity
theft protection
on all checking
accountsto this member number and designated by
a
two
digit
suffix;
for
example:
• Money market accounts
Member Number:
• Educational
IRAs, in 1234567
addition to Traditional and Roth
Savings
Account:
1234567
01
• Access to Prepaid Legal
Insurance
Checking
1234567
02 locations)
• Safe
depositAccount:
boxes (at
select branch
Loan Account: 1234567 50
Additionally, Georgia United believes in giving back to our community.
What
is Georgia
United’s
routing & transit number?
•Q:We
hold annual
CAN Hunger
Food Drives
•261171309
Support foster children through our Christmas Wish Tree initiative
• Provide free tax preparation services for low and moderate income taxpayers
•Q:And
hold branch
Shred Events
in support
of identity theft
protection
When
can I start
banking
at Georgia
United
branches?
Monday, March 2, 2015
Q: May I continue to use my HealthCom Debit card after the merger?
Your HealthCom Debit Card will work until Monday, March 2, 2015. After this date, please
destroy your card.
You will receive a new Georgia United VISA® Debit Card during the week of February 20, 2015.
Your new card will not work until Monday, March 2, 2015, so please continue to use your current
HealthCom Debit Card until this date.
Instructions to activate your debit card and set your PIN (personal identification number) will be
included with your new card.
Your new Georgia United VISA Debit Card will be equipped with more buying power! The cash
limits on your Debit Card are:
• $500 per day limit for ATM cash withdrawals
• $1,000 per day limit for point of sale transactions (PIN based)
• $3,500 for signature based transactions
1
4
Account Agreement and
Disclosure
Send account transactions or updates by mail to: 6705 Sugarloaf Parkway, Duluth, GA 30097
The member and all joint owners who sign a signature card and
agreement to open an Account with Georgia United Credit Union
agree to the following terms and conditions:
Restricted Accounts – The Credit Union may include restrictions on
its Accounts, which restrictions may change from time to time. The
Credit Union may also designate various types of Accounts which are
subject to such restrictions, may apply different limitations and terms
to them, including limiting entitlement to any Account to any
specified group within its field of membership. Not every member is
entitled to every Account if the Board of Directors of the Credit Union
determines that an Account is to be granted only to members who
qualify for such Account.
Ownership of Account and Beneficiary Designation – These rules
apply to this Account depending on the form of ownership and
beneficiary designation, if any, specified on the Account records. We
reserve the right to refuse some forms of ownership on any or all of
our Accounts.
Individual Account – is owned by one person. Joint Account with
Survivorship (and not as Tenant in Common) - is owned by two or
more persons. You agree with us and each other that each of you
intends that upon your death the balance in the Account will be held
as Joint Tenants with Survivorship and not as Tenants in Common.
The person(s) creating either of these Account types reserve the right
to change Account types and to withdraw all funds at any time. We
have no obligation with regard to the proper application of any funds
withdrawn or transferred from such Account.
Organizational Accounts – We will usually require a separate
authorization form designating the person permitted to withdraw and
the conditions required for withdrawal from any Account in the name
of the organization. We will honor the authorization according to its
terms until it is amended or terminated in writing by the governing
body of the organization.
Withdrawals – Unless otherwise clearly indicated to the contrary,
any one of you who signs in the open space designated for signature
on the signature card as the member or joint owner, including any
agent, is an owner of the Account and may withdraw or transfer all or
any part of the Account balance at any time on forms approved by us
or by use of Electronic Funds Transfers, when that service is
requested or granted. Each of you (until we receive written notice to
the contrary) authorizes each other person signing on the signature
card to endorse any item payable to you or your order for deposit to
this Account or any other transaction with us. The fact that we may
honor withdrawal requests which may overdraw the finally collected
Account balance does not obligate us to do so, unless required by law.
Withdrawals will first be made from collected funds, and we may,
unless prohibited by law or our written policy, refuse any withdrawal
request against uncollected funds, even if our general practice is to
the contrary. We reserve the right to refuse any withdrawal or transfer
request which is attempted by any method not specifically permitted,
which is for an amount less than any minimum withdrawal
requirement, or which exceeds any frequency limitation. Even if we
honor a nonconforming request, repeated abuse of the stated
limitations (if any) may eventually force us to close this Account. We
will use the date a transaction is completed by us (as opposed to the
day you initiated it) to apply the frequency limitations. We reserve
the right to require you to notify us of your intention to withdraw
funds from all Accounts (except Share Draft Accounts) as explained
in our bylaws. Additional withdrawal limitations may be disclosed
elsewhere.
Liability – Each of you agrees for yourself (and the person or entity
you represent if you sign as a representative of another) to the terms
of this Account and the schedule of charges that we impose. You
authorize us to deduct these charges as accrued directly from the
Account balance.
You also agree to pay additional reasonable charges we may impose
for services you request which are not covered by this agreement.
Each of you also agree to be jointly and individually liable for any
Account deficit resulting from charges or overdrafts, whether caused
by you or another authorized to withdraw from this Account, and our
cost to collect the deficit including, to the extent permitted by law,
our reasonable attorney’s fees. You agree that at our option we may
suspend your rights to all, or some of the member services if you
violate the terms of this agreement or if you cause the Credit Union
to suffer a loss. If any Account held by you, jointly or individually,
reflects a deficit resulting from charges, withdrawals, overdrafts, of
returned deposit items, you agree that at our option we may use funds
from any other Account held by you, jointly or individually, to cover
the deficit.
Power of Attorney – We are not required to recognize any power of
attorney to act on an Account. If we accept a power of attorney, we
may continue to recognize the authority of your attorney-in-fact until
we receive written notice of revocation or termination and have had
a reasonable time to act upon it. We also reserve the right to restrict
the types or sizes of transactions we will permit an attorney-in-fact to
conduct, on a case by case basis, and may require the attorney-in-fact
to present the original power of attorney before conducting any
transaction. A person acting under a power of attorney is not an
owner of an Account, no funds in the Account belong to that person
by reason of that capacity, and that person has no right of survivorship
in the Account.
Claims and Disputes Concerning Your Account – If another
person or entity makes a claim against funds in your Account, or if
we have reason to believe there is or may be a dispute over matters
such as the ownership of the Account or the authority to withdraw
funds, we may in our sole discretion: (1) continue to rely on current
signature cards, resolutions or other Account documents, (2) freeze
all or part of the funds until the dispute is resolved to our satisfaction,
or (3) pay the funds into an appropriate court of law for resolution.
Placement of Items In Accounts –
a. Items placed in Accounts – We may refuse, accept for collection
only, or return all or part of any item placed in your Account. We
will act as your agent in collecting any items placed in your Account
in accordance with our customary practices and applicable law.
Credit for items deposited is provisional and subject to revocation if
the item in not paid for any reason. We shall not be deemed to have
received items sent by mail, or placed in the lobby depositories, night
depositories, or any other type of depositories we operate, until after
we have received actual delivery of those items sent by mail or
removed the content from such depositories. All placements in
Accounts received by us through the mail or removed by us from
depositories after our hours, will be deemed placed in your Account
the next banking day. Until we remove items from the depositories,
we are only responsible for loss of such items caused by our gross
negligence or willful misconduct. Unless otherwise agreed, you
waive any right to receive any original item after it is paid. If this
Account earns dividends, we are prohibited by law from guaranteeing
the payment of dividends or that dividends we do pay will be at the
disclosed rate.
b. Verification of Items Placed in Account – When we accept items
for placement in your Account and issue receipts, such placements
and receipts are subject to subsequent verification and corrections if
necessary.
c. Endorsements – If you (1) place an item in your Account bearing
an endorsement which is outside of the area extending 1 ½ inches
from the trailing edge of the back of the item or (2) otherwise cause
the endorsement of the first bank of deposit to be obscured, and this
causes a delay in the return of the item, you will be responsible for
any loss or expense we may incur. The trailing edge is defined as the
left side of the item as viewed from the front.
d. Identification of Account – You will be responsible for any loss
or expense caused by your failure to properly identify the Account in
which the funds are placed or intended to be placed.
e. Items Returned – If an item placed in your Account is returned to
us unpaid, we will reverse the credit to your Account. At our option
and without notice to you that the item has been returned, we may
submit any return item for payment. You waive presentment, notice
of dishonor and protest. We may process a copy or other evidence of
the return item in lieu of the original.
f. Final Payment – All items or Automatic Clearing House (ACH)
transfers credited to your Account are provisional until we receive
final payment. If final payment is not received, we may charge your
Account for the amount of such items or ACH transfers and impose a
return item charge on your Account. Any collection fees we incur
may be charged to your Account. We reserve the right to refuse or
return any item or funds transfer.
d. Direct Deposits – We may offer preauthorized deposits (e.g.,
payroll checks, Social Security or retirement checks, or other
government checks) or preauthorized transfers from other Accounts.
You must authorize each direct deposit or preauthorized transfer by
filling out a separate form. You must notify us at least thirty (30)
days in advance to cancel or change a direct deposit or transfer option.
Upon a bankruptcy filing, unless you cancel an authorization, we will
continue making direct deposits in accordance with your
authorization on file with us. If we are required to reimburse the U.S.
Government for any benefit payment directly deposited into your
Account, we may deduct the amount returned from any of your
Accounts, unless prohibited by law.
h. Encoding/Endorsing – If you undertake to provide our
endorsement or encode the account on items placed in your Account,
you agree to adhere to any standards which are set forth in federal
law.
i. “Stale Dated” Items – We are not required to pay any item
presented more than six months after its date. However, we may pay
such an item if we do so in good faith. You agree that we are acting
in good faith in paying such an item as long as there is not a stop
payment request in effect when we pay the item.
j. Foreign Currency – If we take an item payable in foreign currency
for placement in your Account or collection, you will bear all
exchange rate risk. We will not credit the item to your Account until
we have received the proceeds in U.S. dollars.
Overdrafts – The Credit Union is not obligated to pay an item which
is presented for payment at a time when your Account does not have
sufficient collected funds. If you place an item in your Account which
is not paid by the institution on which it is drawn, the Credit Union
can charge your Account with the amount of the unpaid item, plus
any fee which is due the Credit Union under its then current fee
schedule. You agree to pay these overdrafts upon notice or demand,
along with the interest at such rate as allowed by law. If the Account
is a Joint Account, each person is responsible for the payment of all
overdrafts and fees related to them. Georgia United Credit Union
may process checks in any order, including from highest dollar
amount to lowest dollar amount, at the sole discretion of the credit
union.
Overdraft Projection Agreement – If you applied for and were
given overdraft protection, you hereby authorize the Credit Union to
automatically transfer from the Overdraft Source Account, Line of
Credit or Credit Card to your Account such amounts, plus any fee
which is due the Credit Union under its current fee schedule, as may
be necessary to cover any overdrafts in your Share, Savings or
Checking Account. If the transfer is from a Line of Credit or Credit
Card, each transfer will create an advance under the Line of Credit
Agreement. The Credit Union will not be required to transfer funds
if the Account or Line of Credit from which the transfer is made does
not have sufficient funds or credit available to cover the overdraft. If
the Account or Line of Credit for the source of funds is closed, no
transfer will be made, and the overdraft protection feature of your
Share Draft Account will be terminated.
All non-cash items received as deposit to the Account will be made
available in compliance with the Credit Union’s published policy on
Availability of Funds which policy may change from time to time.
Certificate Accounts – Any Time Deposit, Term Share, Share
Certificate or Certificate of Deposit Account allowed by the state law
(Certificate Account), whichever we offer, is subject to the terms of
this Agreement, the Rate and Fee Schedule and Account Deposit
Receipt for each Account the terms of which are incorporated herein
by reference.
Statements – We will send you periodic statements on your
Account(s). These statements will retrace the various transactions on
your Account(s), if any. You agree to examine these statements in a
timely fashion to be sure they are correct. If you do not notify us of
an unauthorized signature or alteration within a reasonable time (not
to exceed 20 days) after we send or make available to you your
statement and items: (1) you cannot assert the unauthorized signature
or alteration against us, even if we are unable to show a loss due to
your failure, and (2) you cannot assert any unauthorized signatures or
alterations by the same wrongdoer on items paid by us after the
reasonable time mentioned above elapses, but before we receive your
notice. We lose these protections if we fail to exercise ordinary care
in paying an item with an unauthorized signature or alteration, unless
you do not notify us of the problem within 60 days of when we send
or make available to you the statement and items. You must report
any other problems (e.g., erroneous statement, missing signature,
unauthorized endorsement, etc.) within this 60-day period or lose
your right to assert the problem against us.
Fees and Charges – The Account shall be subject to fees and service
charges in accordance with the rate schedules adopted by the Credit
Union from time to time. You will be given notice of these changes
as required by law. You agree to pay the Credit Union the amount of
the fees and charges assessed against you and your Account by the
Credit Union and the Credit Union may withdraw all such fees and
charges from any Account you have with the Credit Union.
Amendments and Termination – The use of the Account is subject
to such other terms, conditions and regulations as the Credit Union
(in its sole discretion and without notice) may establish from time to
time. We may change our bylaws and any term of this agreement.
We will give you reasonable notice in writing or by any other method
permitted by law. We reserve the right to close this Account if your
membership in this Credit Union terminates.
Termination of Membership – You may terminate your
membership by giving us notice. You may be denied service or
expelled for any reason allowed by applicable law, including causing
a loss to the Credit Union. You agree to keep us informed about your
current address at all times. Notice from us to any one of you is notice
to all of you.
Notices – Any and all notice(s) required or permitted to be given by
the Credit Union to any or all Account owner(s) shall for the purpose
of this agreement, be deemed to be properly given to all Account
owners when reduced to writing and placed in the United States Mail,
postage prepaid, and addressed to any or all Account owner(s) at the
address or addresses to which the Credit Union regularly sends the
periodic and/or quarterly statement associated with this Account or at
such other address(es) as any of the Account owner(s) from time to
time may indicate by written notice to the Credit Union. The
invalidity or unenforceability of any particular provision of this
Agreement shall not affect the other provisions hereof, and this
Agreement shall be construed in all respects as if such invalid or
unenforceable provision had been omitted. This Agreement shall be
governed by and construed in accordance with the Bylaws of the
Credit Union, Federal Laws and Regulations and the Laws of the
State of Georgia.
Stop Payment – Without in any manner limiting the generality of
any provision contained herein, the Credit Union is authorized to
accept and act upon any: (1) Stop Payment request or renewal of same
properly made by any owner or any one of any other persons
authorized to sign for this Account, and (2) Cancellation or revocation
of a stop payment request made by any one owner or any one of the
other persons authorized to sign for this Account, provided that same
is properly made in writing and on forms approved by the Credit
Union. The Credit Union has a right to charge fees for stop payment
orders which may change from time to time. Stop Payment Orders
must be received in a time and manner to provide the Credit Union
with a reasonable opportunity to act on the Stop Payment Order.
Duration of Order – You may make an oral stop payment order
which will lapse within fourteen (14) calendar days unless confirmed
in writing within that time. A written stop payment order is effective
for six (6) months and may be renewed in writing from time to time.
We do not have to notify you when a stop payment order expires.
Telephone Transfers – A telephone transfer of funds from one
Account to another Account with us, if otherwise permitted or
arranged for, may be made by the same persons and under the same
conditions generally applicable to withdrawals made in writing.
Unless a different limitation is disclosed in writing, we restrict the
number of transfers from a Savings Account to another Account, or
third parties, to a maximum of six per month (less the number of
certain “preauthorized transfers” during the month). If you violate the
limitations of transfers, your Account is subject to closure under the
Credit Union rules, regulations and bylaws.
Pledges – Unless you tell us differently in writing, each owner of this
Account may pledge all or any part of the funds in it for any purpose
to which we agree. Any pledge of this Account must first be satisfied
before the rights of any Joint Account survivor, pay-on-death
beneficiary, or Trust Account beneficiary becomes effective. For
example, if one joint tenant pledges the Account(s) evidenced by this
agreement for a debt and then dies, (1) the surviving joint tenants’
rights in this Account do not take effect until the debt has been
satisfied; and (2) the debt may be satisfied with the funds in the
Account.
Transfer Limitation – The Credit Union reserves the right to limit
the number of transfers you may make including preauthorized,
automatic, telephonic, audio response transfers to another Account of
yours or to a third party during any calendar month.
Dormant Accounts – If your Account falls below the minimum
applicable balance or you have not made a withdrawal from, a deposit
to, or transfer involving your Account and we have had no other
sufficient contact with you within the period specified by state law,
the Account will be presumed to be dormant and abandoned.
As set forth on the rate and fee schedule the Credit Union may charge
a service fee for continuing to process your dormant Account. Funds
in abandoned Accounts will be reported and remitted in accordance
with state law. Once funds have been turned over to the state, we
have no further liability to you for such funds and if you choose to
reclaim such funds, you must apply to the appropriate state agency.
ACH & Wire Transfers – If we provide the service and you initiate
or receive credits or debits to your Account through wire or ACH
transfer, we are not required to notify you at the time funds are
received. Instead, the transfer will be shown on your periodic
statement. We may provisionally credit your Account for an ACH
transfer before we receive final settlement. We may reverse the
provisional credit or you will refund us the amount if we do not
receive final settlement. When you initiate a wire transfer, you may
identify either the recipient or any financial institution by name and
by Account or identifying number. The Credit Union (and other
institutions) may rely on the Account or other identifying number as
the proper identification even if it identifies a different party or
institution. We may delay posting an International ACH Transaction
(IAT) to allow us time to verify those transactions as required by
regulation.
Credit Union Lien and Security Interest – If you owe us money as
a borrower, guarantor, endorser or otherwise the Federal Credit Union
Act gives us a statutory lien on the funds in any account in the credit
union in which you have an ownership interest, regardless of their
source, unless prohibited by law. We may apply these funds, without
further notice to you in any order to pay off your indebtedness. If the
Credit Union chooses not to enforce its lien, the Credit Union does
not waive its right to enforce the lien at a later time. In addition, you
grant the Credit Union a consensual security interest in your
Accounts and agree the Credit Union may use the funds from
your Accounts in which you have an ownership interest to pay
any debt or amount now or hereafter owed the Credit Union,
except for the obligations secured by your residence, unless
prohibited by applicable law.
Right to Repayment of Indebtedness – You each agree that we may
without prior notice and when permitted by law charge against and
deduct from any Account you have with the Credit Union any debt
you owe to us now or in the future, by any of you having the right of
withdrawal, to the extent of such person’ or legal entity’s right to
withdraw. If the debt arises from a note, “debt” includes the total
amount of which we are entitled to demand payment under the terms
of the note at the time we charge the Account.
Our right to repayment arising under this section does not apply to
this Account if it is an Individual Retirement Account or other TaxDeferred Retirement Account or in cases where the right of
withdrawal arises only in a representative capacity. We will not be
liable for the dishonor of any check or draft when the dishonor occurs
because we charge and deduct an amount you owe us from your
Account. You agree to hold us harmless from any claim arising as a
result of our exercise of our right to repayment.
In the event any debt you owe the Credit Union is collected by or
through an attorney at law, you agree to pay all costs of collection,
including court costs and attorney fees not in excess of 15% of the
unpaid debt.
Death of Account Owner – We may continue to honor all transfer
orders, withdrawals, deposits and other transactions on an Account
until we are notified of a member’s death. Once we are notified of a
member’s death, we may pay drafts or honor other payments or
transfer orders authorized by the deceased member for a period of
(10) days after that date unless we receive instructions from any
person claiming an interest in the Account to stop payment on the
drafts or other items. We may require anyone claiming a deceased
owner’s Account funds to indemnify us for any losses resulting from
our honoring that claim. This agreement will be binding upon any
heirs or legal representatives of any Account owner.
Governing Law – This Agreement governed by the Bylaws of the
Credit Union, federal laws and regulations, the applicable laws and
regulations of the State of Georgia and local clearinghouse rules as
amended from time to time. Any dispute regarding this Agreement
shall be subject to the jurisdiction of the court of the county in which
the Credit Union’s principle office is located and you agree that the
Credit Union may sue you there.
**Special Account Instructions** You may request that we
facilitate certain trust, will or court-order Account arrangements.
However, because we do not give legal advice, we cannot counsel
you as to which Account arrangement most appropriately meets the
specific requirements of your trust, will or court order. If you ask us
to follow any instructions that we believe might expose us to claims,
lawsuits, expenses, liabilities or damages, whether directly or
indirectly, we may refuse to follow your instructions or may require
you to indemnify us or post a bond or provide us with other
protection. Account changes requested by you or any Account
owner, such as adding or closing an Account or service, must be
evidenced by a signed Account Change form and accepted by us.
Illegal Use of Financial Services – Any financial service provided
by Georgia United Credit Union may be used for any transaction
permitted by law. You agree that illegal use of any financial service
will be deemed an action of default and/or breach of contract and such
service and/or other related services may be terminated at Georgia
United Credit Union’s discretion. You further agree, should illegal
use occur, to waive the right to sue Georgia United Credit Union for
such illegal activity directly or indirectly related to it. You also agree
to indemnify and hold Georgia United Credit Union harmless from
any suits or other legal action or liability, directly or indirectly,
resulting from such illegal use.
Swift Deposit- The Swift Deposit services are designed to allow you
to make deposits to your checking or savings accounts from any
qualifying smart phone device by scanning check images and
delivering the images and associated deposit information to Georgia
United or our designated processor. Not all members are eligible for
this service. Georgia United reserves the right to change, modify,
add, or remove portions from the service.
FUNDS AVAILABILITY POLICY
YOUR ABILITY TO WITHDRAW FUNDS at
GEORGIA UNITED CREDIT UNION
This Disclosure describes your ability to withdraw funds at Georgia United Credit Union. It only applies to the availability of funds in
transaction accounts. The credit union reserves the right to delay the availability of funds deposited to accounts that are not transaction
accounts for periods longer than those disclosed in this policy. Please ask us if you have questions about which accounts are affected by this
policy.
Our general policy is to make funds from your deposits available to you at the time you make your deposit, if you make your deposit
directly to one of our employees. If you do not make your deposit directly to one of our employees, then we may not make funds from your
deposit available until the second business day after the day we receive your deposit. If your deposit is made at an ATM not owned by
Georgia United Credit Union we may not make funds from your deposit available until the fifth business day after the day we receive your
deposit. All ATM’s owned or operated by us are identified as our machines. Electronic direct deposits will be available on the day we receive
the deposit. Once they are available, you can withdraw the funds in cash and we will use the funds to pay checks that you have written.
For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make
a deposit before 5:00 P.M. on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a
deposit after 5:00 P.M. or on a day we are not open, we will consider that the deposit was made on the next business day we are open.
LONGER DELAYS MAY APPLY
In some cases, we will not make all of the funds that you deposit by check available to you on the day of your deposit. Depending on the
type of check that you deposit, funds may not be available until the fifth business day after the day of your deposit. However, the first $200 of
your deposits will be available on the first business day.
If we are not going to make all of the funds from your deposit available on the day of your deposit, we will notify you at the time you make
your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we
decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit.
If you will need the funds from a deposit right away, you should ask us when the funds will be available.
In addition, funds you deposit by check may be delayed for a longer period under the following circumstances:
 We believe a check you deposit will not be paid.
 You deposit checks totaling more than $5,000 on any one day.
 You redeposit a check that has been returned unpaid.
 You have overdrawn your account repeatedly in the last six months.
 There is an emergency, such as failure of communications or computer equipment.
We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available.
They will generally be available no later than the eleventh business day after the day of your deposit.
SPECIAL RULES FOR NEW ACCOUNTS
If you are a new customer, the following special rules will apply during the first 30 days your account is open.
Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire
transfers, and the first $5,000 of a day’s total deposits of cashier’s certified, teller’s traveler’s and federal state and local government checks
will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must
be payable to you and you may have to use a special deposit slip. The excess over $5,000 will be available on the ninth business day after the
day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first
$5,000 will not be available until the second business after the day of your deposit.
Funds from all other check deposits may not be available until the eleventh business day after the day of your deposit.
SWIFT DEPOSIT RULES
You agree that items transmitted using the services are not subject to the funds availability requirements of the Federal Reserve Board
Regulation CC. Deposits accepted using the service will be available within five days. Georgia United may make such funds available sooner
based on factors as credit worthiness, the length or extent of your relationship with us, transaction and experience information, and such
factors as Georgia United, in its sole discretion, deems relevant.
ELECTRONIC FUNDS TRANSFER
AGREEMENT AND DISCLOSURE
This Electronic Funds Transfer Agreement is the contract which covers your and our
rights and responsibilities concerning the electronic fund transfers (“EFT”) services
offered to you by Georgia United Credit Union (“Credit Union”) In this Agreement,
the words “you” and “yours” mean those who sign the application or account card as
applicants, joint owners, or any authorized users. The words “we”, “us”, and “ours”
mean the Credit Union. The word “account” means any one or more savings and
checking accounts that you have with the Credit Union. The term “Electronic Fund
Transfer” (“EFT”) is defined by Reg. E, 12 CFR 205.3 and generally is
electronically initiated transfers of money from your account through the electronic
funds transfer services described below or additional electronic funds transfer
services offered by the Credit Union in the future. “Card” means either your Visa
Check Card or ATM Card issued by the Credit Union under this Agreement. “PIN”
means the personal identification number assigned to you for use with your Card,
and “PSC” means the personal security code used with the Instant Access (audio
response) telephone system. “Access Code” includes both PIN and PSC as the case
may be. By signing an application or account card for EFT services, signing your
Card, or using any service, each of you, jointly and severally, agree to the terms and
conditions in this Agreement and any amendments for the EFT services offered.
1.
USE, OWNERSHIP AND LIABILITY:
a. ATM Card and/or VISA Check Card: You may use your Card and
PIN (Personal Identification Number) in automated teller machines of the Credit
Union, Plus, CU24/CUHere, Interlink, Southeast Switch Networks, and such other
machines or facilities as the Credit Union may designate from time to time. You may
use your Card to purchase goods and services any place your Card is honored by
participating merchants. Each time you use the Card, you authorize the Credit Union
to debit your checking account for the amount of the transaction plus any fees that
may be imposed. When the Card is used at an ATM machine, you authorize the
Credit Union to debit either your savings or checking account, as designated by you
at the time of the transaction. If the balance in your account is not sufficient to pay
the transaction amount or the transaction creates an overdraft the Credit Union may
treat the transaction as authorization to transfer funds from other deposit accounts,
approved overdraft protection accounts or loan accounts, that you have established
with the Credit Union. In no event will the Credit Union extend credit to you under
the ATM or VISA Check Card. Any extension of credit utilized to fund any
overdraft created in your accounts by use of your ATM or VISA Check Card is
governed by your Overdraft Protection Agreement, your Loan Agreement or such
other Agreements you have with the Credit Union, but in no event will your ATM
card or VISA Check Card give you any right to overdraft protection. If you initiate a
transaction that overdraws your account, you agree to make immediate payment of
overdrafts together with any service charges and the Credit Union may offset such
overdraft from any account you may have with the Credit Union. In the event of
repeated overdrafts, the Credit Union may terminate all services under this
agreement, and demand the immediate surrender of the Cards issued to you and any
joint member or authorized user. If you allow someone else to use your Card, PIN,
or PSC, you are responsible for all transactions authorized by that person.
b. Loss, Theft, or Unauthorized Use: In the event that your Card, PIN,
or PSC is lost, misplaced, stolen, or is used without your authorization, you agree to
immediately notify the Credit Union of such fact. Upon receipt of such notice from
you, the Credit Union will partially freeze the account and will not pay any
withdrawals from your account by use of the Card and/or PIN and/or PSC identified
as lost, mislaid, stolen or subject to unauthorized use. You agree that the Credit
Union may require evidence of the loss, theft, or unauthorized use of the Card, PIN,
or PSC and until the Credit Union is reasonably satisfied or assured that no such
events will occur with any new Card, PIN, or PSC which may be issued, the Credit
Union is not required to reissue or replace a lost, mislaid, stolen, or improperly used
Card, PIN, or PSC. You agree that any liability you have of any unauthorized
transaction, whether due to theft, lost, mislaid or unauthorized use or the Card, PIN
or PSC, shall be limited by the EFT Act and Regulation E, unless the Credit Union
by Agreement with you or VISA agrees to lesser liability on your part, and the
Credit Union may recover from you (or withhold) any amounts for which you have
liability under said law and regulations, up to the maximum amount of your liability,
subject to the limitations under the Credit Union’s Agreement with VISA and any
regulations or limitations prescribed by VISA pursuant thereto. You also understand
that if your actions or inaction have caused the Credit Union to suffer a loss, Card
privileges may be denied or suspended. Because of the servicing schedule and
processing time required in ATM operations, there is a delay between the time a
deposit (either cash or check) is made and when it will be available for withdrawal.
You should review the Credit Union’s policy regarding availability of funds
deposited at ATM’s.
c. Ownership of Cards: Any Card or other such device that we supply to
you is our property and must be returned to us, or to any person whom we authorize
to act as our agent, or to any person who is authorized to honor the Card,
immediately according to our instructions. The Card may be repossessed at any time
at our sole discretion without demand or notice. You cannot transfer your Card or
account to another person.
d. Honoring the Card: Neither we nor merchants authorized to honor the
Card will be responsible for the failure or refusal to honor the Card, PIN or any other
device we supply to you. If a merchant agrees to give you a refund or adjustment, you
agree to accept a credit to your account in lieu of a cash refund.
e. Security of Access Code/PIN: You may use one or more access codes
with your electronic funds transfer. The access codes issued to you are for your
security purposes and are to be kept confidential. You agree not to disclose or
otherwise make your access codes available to anyone not authorized to sign on your
accounts. This includes recording the code on or with the Card. If you authorize
anyone to use your Card or access codes, that authority shall continue until you
specifically revoke such authority by notifying the Credit Union. If you fail to
maintain the security of these access codes and the Credit Union suffers a loss, we
may terminate your EFT services immediately.
f. Joint Accounts: If any of your accounts accessed under this Agreement
are joint accounts, all joint owners, including any authorized users, shall be bound by
this Agreement and, alone and together, shall be responsible for all EFT transactions
to or from any savings and checking or loan accounts as provided by this Agreement.
Each joint account owner, with or without the consent of any other joint account
owner, may, and herby is authorized by every other joint owner, to make any
transaction permitted under this agreement. Each joint account owner is authorized to
act for the other account owners, and the Credit Union may accept orders and
instructions regarding any EFT transaction on any account from any joint account
owner. If one joint owner directs the Credit Union to terminate use of the ATM, Visa
Check Card or access code, the Credit Union is authorized to terminate use of any or
all such service under this agreement and may require all joint owners to execute a
written authorization to initiate new service or issue new cards or access codes.
g. Termination of EFT Services: You may terminate this Agreement or
any EFT service under this Agreement at any time by notifying us in writing and
stopping the use of your Card and any access code. You must return all Cards to the
Credit Union. You also agree to notify any participating merchants that authority to
make bill payment transfers has been revoked. We may also terminate this Agreement
at any time by notifying you orally or in writing. If we terminate this Agreement, we
may notify any participating merchants making preauthorized debits or credits to any
of your accounts that this Agreement has been terminated and that we will not accept
any further preauthorized transaction instructions. We may also program our computer
not to accept your Card or access code for any EFT service. Any merchant or financial
institution to which the Card is presented may retain the Card if it has been canceled.
Whether you or the Credit Union terminates this Agreement, the termination shall not
affect your obligations under this Agreement for any EFT’s made prior to termination.
h. Liability: Any financial service provided by Georgia United Credit
Union may be used for any transaction permitted by law. I agree that illegal use of any
financial service will be deemed an action of default and/or breach of contract and
such service and/or other related services may be terminated at Georgia United Credit
Union’s discretion. I further agree, should illegal use occur, to waive the right to sue
Georgia United Credit Union for such illegal activity directly or indirectly related to it.
I also agree to indemnify and hold Georgia United Credit Union harmless from any
suits or other legal action or liability directly or indirectly, resulting from such illegal
use.
2.
NOTICES: All notices from us will be effective when we have mailed
them or delivered them to your last known address in the Credit Union’s records.
Notices from you will be effective when received by the Credit Union at the address
specified in this Agreement. We reserve the right to change the terms and conditions
upon which this service is offered. We will mail notice to you at least twenty-one (21)
days before the effective date of any change. Use of this service is subject to existing
laws, regulations and by-laws governing the Credit Union account and any future
changes to these laws, regulations and by-laws.
3.
GOVERNING LAW: This Agreement is governed by the Bylaws of the
Credit Union, federal laws and regulations, the applicable laws and regulations of the
State of Georgia and local clearinghouse rules, as amended from time to time. Any
dispute regarding this Agreement shall be subject to the jurisdiction of the court of the
county in which the Credit Union’s principal office is located and you agree that the
Credit Union may sue you there.
4.
FOREIGN TRANSACTIONS: Purchases and cash advances made in
foreign countries and foreign currencies will be billed to you in U.S. dollars. The
conversion rate to U.S. dollars will be determined in accordance with the operation
regulations established by VISA U.S.A. Currently the currency conversion rate used
to determine the transaction amount in U.S. dollars is either government mandated
rate or the wholesale market rate in effect one day prior to the transaction processing
date, increased by one-percent. The currency conversion rate used on the processing
date may differ from the rate that would have been used on the purchase date or
cardholder statement posting date.
5.
ENFORCEMENT: If the Credit Union brings legal action to enforce this
Agreement or collect any overdrawn funds on accounts accessed under this
Agreement, it shall be entitled, subject to applicable law, the payment of reasonable
attorney’s fees and costs, including fees on any appeal, bankruptcy proceedings, and
any post judgment collection actions. If there is a lawsuit, you agree that it will be
filed and heard in the county and state in which the Credit Union’s principal office is
located.
EFT DISCLOSURE
EFT SERVICES: If approved, you may conduct any one or more of the
EFT Services offered by the Credit Union. Some of these may not apply to your
account. Please read this carefully and keep it for future reference. At the present
time, you may use your ATM or VISA Check Card to:

Make deposits to your savings and checking accounts.

Withdraw funds from your savings and checking accounts.

Transfer funds between your savings and checking accounts.

Obtain balance information for your savings and checking accounts.

Make loan payments from your savings and checking accounts.

Make Point-of Sale (POS) transactions with your Card and/or PIN to
purchase goods or services at POS terminals that carry the Plus,
CU24/CUHere and Interlink network logo(s).

Obtain cash from merchants if the merchant permits.
Additionally you may use your VISA Check Card to:

Make a POS transaction with your Card and/or PIN to purchase goods or
services at merchants that accept VISA.

Purchase or order goods or services by mail, by telephone or in person
from places that accept VISA.
The following are the daily spending and ATM limits for Visa Check Card
purchases:
Membership Type
Credit (Signature)
Debit (PIN)
ATM
Limit
Limit
Limit
Teen – Ages 13-14
$250
$260
$260
Teen – Ages 15-17
$500
$510
$510
General
$3,500
$1,010
$510
Gold
$3,500
$1,010
$510
Platinum
$3,500
$1,010
$1,010
ATM
$510
$510
Additionally, the following limitations apply to your VISA Check Card:

All purchases/withdrawals are limited to the available funds in your
account at the time of the transaction.

There is no limit on the number of cash withdrawals you may make in
any one day.

You may transfer up to the available balances in your accounts at the
time of the transfer.

For security purposes, there are other limits on the frequency and amount
of transfers available at ATM’s.

Other limitations may apply, please contact us to determine what these
limitations are.
Funds in your checking account can be held for a maximum of 3 days for
authorizations obtained by merchants using your VISA Check Card. These funds
will be held even if a charge is not processed.
Some of these services may not be available at all merchants or terminals.
INSTANT ACCESS (AUDIO RESPONSE): If we approve the Instant
Access Audio Response service for your accounts, you will choose a separate
Personal Security Code (PSC). You must use your PSC along with your account
number to access your accounts. At the present time, you may use Instant Access to:

Withdraw funds from your savings and checking accounts.

Transfer funds from your savings and checking accounts.

Obtain balance information for your savings, checking, loan, VISA, and
certificate accounts.

Make loan payments from your savings and checking accounts.

Access your Zip loan (Line of Credit) account.

Obtain tax information on amounts earned in savings and checking
account or interest paid on loans,

Verify the last date and amount of your payroll deposit.

Request copies of statements and cleared checks.
Your accounts can be accessed under the Instant Access service via touch-tone
telephone only. The service is available for your convenience 24 hours a day;
however, it may be interrupted for a short time each day for data processing. There is
no limit to the number of inquiries, transfers, or withdrawal requests you make in
any one day. There is a limit of five (5) transactions per call and certain limits on the
account history information available. All withdrawals by check are payable to you
as the primary member and will be mailed to your address of record. The Credit
Union may set other limits on the amount of any transaction, and you will be
notified of those limits. The service will discontinue if no transaction is entered or
after numerous unsuccessful attempts to enter a transaction, and there may be limits
on the duration of each telephone call.
HOME BANKING (INTERNET NETWORK CONNECTION): If
we approve the Home Banking service for your accounts, you will choose a separate
Personal Security Code (PSC). You must use your PSC along with your account
number to access your accounts. At the present time, you may use Home Banking to:

Withdraw funds from your savings and checking accounts.

Transfer funds from your savings and checking accounts.

Obtain balance information for your savings, checking, loan, VISA, and
certificate accounts.

Make loan payments from your savings and checking accounts.

Access your Zip loan (Line of Credit) account.

Obtain tax information on amounts earned in savings and checking account
or interest paid on loans,

Verify the last date and amount of your payroll deposit.

Request copies of statements and cleared checks.
Your accounts can be accessed under the Home Banking service via personal
computer and Internet network connection only. The service is available for your
convenience 24 hours a day; however, it may be interrupted for a short time each day
for data processing. There is no limit to the number of inquiries, transfers, or
withdrawal requests you may make in any one day. There is a limit of five (5)
transactions per access and certain limits on the account history information available.
All withdrawals by check are payable to you as the primary member and will be
mailed to your address of record. The Credit Union may set other limits on the amount
of any transaction, and you will be notified of those limits. 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 session.
E-STATEMENTS: By opting in to receive e-statements, you are
consenting to receive all statements and disclosures via electronic delivery. You must
confirm within 100 days from the date your account is opened. The Credit Union will
continue to notify you that you must confirm your enrollment. If you do not confirm,
on the 101 day, your account will be automatically reverted to receive paper
statements. Possible revert fees may apply.
Documents that may be delivered to you may include, but are not limited to:

Regularly schedule account statements

Change-in-terms information for your account

Credit Card account statement

Notices of account activity such as loan payment notices and/or account
status
This agreement shall remain in effect unless:

You notify the Credit Union, allowing up to 10 days, from receipt of the
notification for the service to be terminated

Change statement method within home banking

You are notified by the Credit Union via e-mail or U.S. Mail that you will
no longer be enrolled in the service.
In the event the electronic mail address (e-mail address) for you is no longer valid, it is
your responsibility to notify the Credit Union. If the Credit Union receives
notification that the electronic delivery is not possible due to an incorrect or closed
email address, we may elect, at our discretion, to choose to revert your account(s) to
standard U.S. Mail delivery without additional notification and possible revert fees
may apply.
In order to receive electronic delivery you must have access to the following:

A valid email account capable of receiving .PDF attachments

A computer with Internet connection

Adobe® Acrobat Reader. The most recent version of may be downloaded
free of charge from http://adobe.com

An e-mail program capable of receiving attachments or

A web based email account
You may request a paper copy of a statement by contacting us in writing or at any
Credit Union location. By enrolling, you acknowledge that it is your responsibility to
review the information in a timely manner. You further acknowledge that you are
responsible for retention of the information sent you.
SWIFT DEPOSIT: Your use of the services constitutes your acceptance
of this Agreement. This Agreement is subject to change from time to time. We will
notify you of any material change. Your continued use of the services will indicate
your acceptance of the revised Agreement. Further, Georgia United reserves the right,
in its sole discretion, to change, modify, add, or remove portions from the service.
Limitations of Service: When using this service you may experience technical or
other difficulties. We cannot assume responsibility for any technical or other
difficulties or resulting damages that may occur. Some of the services have
qualification requirements, and we reserve the right change the qualifications at any
time without prior notice. We reserve the right to change, suspend, or discontinue the
service, in whole or in part, or your use of the services, in whole or in part,
immediately and at any time without prior notice to you.
Eligible Items: You agree to scan and deposit only checks as that term is defined in
Federal Reserve Regulation CC (“Reg. CC”). You agree that the image of the check
transmitted to Georgia United shall be deemed an “item” within the meaning of
Article 3 of the Uniform Commercial Code of Georgia. You agree that you will not
use the services to scan and deposit any checks or other items as shown below:

Checks or items payable to any person or entity other than you

Checks or items previously converted to a substitute check, as defined in
Reg. CC

Checks or items drawn on a financial institution located outside of the
United States

Checks or items that are remotely created checks, as defined in Reg. CC

Checks or items not payable in United Stated currency

Checks or items dated more than 6 months prior to the date of deposit

Checks or items dated before the issue date
Image Quality: The image of an item transmitted to the Credit Union using the
service must be legible. The image quality of the items must comply with the
requirements established from time to time by, Federal Reserve Board, any other
regulatory agency, clearing house or association.
Receipt of Items: We reserve the right to reject any item transmitted through the
service, at our discretion, without liability to you. We are not responsible for items
we do not receive or for images that are dropped during transmission. An image of
an item shall be deemed received when you receive confirmation from Georgia
United. Receipt of such confirmation does not mean that the transmission was error
free or complete.
Endorsements and Procedures: You agree to restrictively endorse an item
transmitted through the service as “for deposit only, Georgia United Credit Union
Acct. #____” or as otherwise instructed by the Credit Union. You agree to follow
any all other procedures the Credit Union may establish from time to time.
Presentment of Transmitted Items: Upon receipt of confirmation from the Credit
Union that we received the image of an item, agree to prominently mark the item as
“electronically presented” or “VOID” to ensure that it is not represented for
payment. And, you agree never to represent the item. You will promptly provide
any retained item, or a sufficient copy of the front and back of the item, to Georgia
United as requested to aid in the clearing and collection process, to resolve claims by
third parties with respect to any item, or for audit purposes.
Deposit Limits: We reserve the right to impose limits on the amount(s) and/or
number of deposits that you transmit using the service and to modify such limits
from time to time.
Hardware and Software: In order to use the service, you must obtain and maintain,
at your expense, compatible software and hardware, as specified by Georgia United
from time to time. Any such software is accepted by you as is and is subject to the
terms and conditions of the Agreement you enter into directly with the third party
software provider at the time of download or installation.
Errors: You agree to notify the Credit Union of any suspected errors regarding items
deposited through the service right away, and in no event later than 60 days after the
applicable account statement is sent. Unless you notify the Credit Union with 60
days, such statement regarding all deposits made through the service shall be
deemed correct, and you are prohibited from bringing claim against Georgia United
for such alleged error.
Presentment: The manner in which the items are cleared, presented for payment,
and collected shall be the Credit Union’s sole discretion subject to the Account
Agreement governing your account.
Ownership & License: You agree that Georgia United retains all ownership and
proprietary rights in the service, associated content, technology, and website. Your
use of the service is subject to and conditioned upon your complete compliance with
this Agreement. Without limiting the effect of the foregoing, any breach of this
Agreement immediately terminates your right to use the service. Without limiting
the restriction of the foregoing, you may not user the service (1) in any competitive
manner (2) for any purpose which would be contrary to Georgia United’s business
interest, or only for non-business, personal use in accordance with this Agreement.
You may not copy, reproduce, distribute or create derivative works from the content
and agree not to reverse engineer or reverse compile any of the technology use to
provide these services.
Disclaimer of Warranties: You agree your use of the service and all information
and content (including that of third parties) is at your risk and provided on and “as
is” and “as available” basis. We disclaim all warranties of any kind as to the use of
the services, whether express or implied, including, but not limited to the implied
warranties of merchant ability, fitness for a particular purpose and noninfringement.
We make no warranty that the services (1) will meet your requirements, (2) will be
uninterrupted, timely, secure, or error free, (3) the results that may be obtained from
the service will be accurate or reliable, and (4) any errors in the services or
technology will be corrected.
User Warranties: You warrant to the Credit Union that:
1.
You will only transmit eligible items
2.
Images will meet the image quality standards
3.
You will not transmit duplicate items
4.
You will not deposit or represent the original item
5.
All information you provide to Georgia United is accurate and true
6.
You will comply with this Agreement and all applicable rules, laws and
regulations.
You agree to indemnify and hold Georgia United harmless from any loss for breach
of this warranty provision.
DIRECT DEPOSIT: Upon instruction of (i) your employer or (ii) the Treasury
Department or (iii) other financial institutions, the Credit Union will accept direct
deposits of your paycheck or of federal recurring payments, such as Social Security,
to your savings or checking account.
PREAUTHORIZED WITHDRAWALS: You may make arrangements
to pay certain bills from your checking or savings accounts.
ELECTRONIC CHECK CONVERSION/ELECTRONIC
RETURNED CHECK FEES: If you pay for something with a check you may
authorize your check to be converted to an electronic fund transfer. You may also
authorize merchants to electronically debit your account for returned check fees.
You are considered to have authorized these electronic funds transfers if you
complete the transaction after being told (orally or by a notice posted or sent to you)
that the transfer may be processed electronically or if you sign a written
authorization.
TRANSFER LIMITATIONS: The Credit Union reserves the right to
refuse any transaction which would draw upon insufficient funds, exceed a credit
limit, lower an account below the required balance, or otherwise require us to
increase our required reserves for your account.
services. These charges are shown on the schedule of charges given to you with this
Disclosure. From time to time, the charges may be changed. We will notify you of any
changes as required by applicable law. If you use an ATM that is not operated by
Georgia United Credit Union, you will be charged a network fee in addition to any
ATM surcharge the ATM Operator may assess. The ATM network fee and the ATM
surcharge will be debited from your account if you elect to complete the transaction.
Georgia United Credit Union has no control over the amount of the ATM Operator’s
surcharge. However, the ATM Operator is required to disclose the amount of the
surcharge before the transaction is complete. You may elect not to complete the
transaction after the surcharge is disclosed.
YOUR LIABILITY: Tell us AT ONCE if you believe your Card or access code has
been lost or stolen. Telephoning us is the best way to keep your possible losses down.
You could lose all the money in your account (plus your maximum overdraft line of
credit). If a transaction is made with your card or card number without your
permission, and is either a Visa or Interlink transaction, you will have no liability for
the transaction, unless you were grossly negligent in the handling of your account
or card. You will only have zero liability if you provide us with a written statement
regarding your claim of unauthorized use of your Visa Check Card and were not
grossly negligent or fraudulent in handling your Visa Check Card.
For all other EFT transactions, including ATM transactions, if you tell us
within two (2) business days, you can lose no more than $50 if someone used your
Card or access code without your permission. If you do NOT tell us within two (2)
business days after you learn of the loss or theft of your Card or access code and we
can prove that we could have stopped someone from using your Card or access code
without your permission you could lose as much as $500. In no event will you be
liable for more than $50 for any unauthorized line of credit advances.
Also, if your statement shows transfers that you did not make, tell us at
once. If you do not tell us within 60 days after the statement was mailed to you, you
may not get back any money you lost after the 60 days if we can prove that we could
have stopped someone from taking the money. If a good reason (such as long trip or a
hospital stay) kept you from telling us, we will extend the time periods.
If you believe your Card or PIN have been lost or stolen, that someone has
transferred or may transfer money from your account without your permission or in
case of error or questions about EFT’s from your accounts, call us at: 770-493-4328 or
1-888-493-4328 or write to:
ATTN: Card Services Dept
Georgia United Credit Union
P O Box 100070
Duluth, GA 30096-9370
If you think that your statement or receipt is wrong or if you need more information
about a transfer listed on the statement or receipt, we must hear from you no later than
sixty (60) days after we sent the FIRST statement on which the problem or error
appears.
Tell us your name and account number.
Describe the error or transfer you are unsure about, and explain as clearly
as you can why you believe it is an error or why you need more
information.
Tell us the dollar amount of the suspected error.
Tell us how we may contact you.
If you tell us orally, we may require you to send us your complaint or question in
writing within ten (10) business days. The written complaint or question should be
addressed to the Credit Union at the address stated above. We will determine whether
an error occurred within ten (10) business days (twenty (20) business days if the
transaction was initiated outside the United States or transfers resulting from a pointof-sale transaction) after we hear from you and will correct any error promptly. If you
give notice of an error within thirty (30) days after you make the first deposit to your
account; we will have twenty (20) business days instead of ten (10) business days. If
we need more time, however, we may take up to forty-five (45) days (ninety (90) days
if the transaction was initiated outside the United States or transfers resulting from a
point-of-sale transaction) to investigate your complaint or question. If we decide to do
this, we will credit your account within ten (10) business days (five (5) business days
for Visa Check Card purchases unless we determine that the circumstances or your
account history warrant a delay, in which case you will receive a credit within ten (10)
business days) for the amount you think is in error, so that you will have the use of the
money during the time it takes us to complete our investigation. If we ask you to put
your complaint or question in writing and we do not receive it within ten (10) business
days, we may not credit your account. We will tell you the results of our investigation
within three (3) business days after completing it. If we decide that there was no error,
this will include a written explanation. You may ask for copies of the documents that
we used in our investigation.
FEES AND SERVICE CHARGES: There are certain charges for EFT
PREAUTHORIZED PAYMENTS:
a. Right to Stop Payment and Procedure for Doing So: If you have
told us in advance to make regular payments out of your account(s), you can stop
any of these payments. Call us at 770-493-4328 or 1-888-493-4328, or write us at
ATTN: Card Services Dept. Georgia United Credit Union, P O Box 100070, Duluth,
GA 30096-9370, in time for us to receive your request three (3) business days or
more before the payment is scheduled to be made. If written verification is not
received, the oral stop payment order shall cease to be binding fourteen (14) days
after you call. If you order us to stop one of these payments three (3) business days
or more before the transfer is scheduled, and we do not do so, we will be liable for
your losses or damages.
b. Notice of Varying Amounts: If these regular payments may vary in
amount, the person you are going to pay will tell you, ten (10) days before each
payment, when it will be made and how much it will be. You may choose instead to
get this notice only when the payment would differ by more than a certain amount
from the previous payment or when the amount would fall outside certain limits that
you set.
CREDIT UNION’S LIABILITY TO YOU: If we do not complete a transfer to or
from your account on time or in the correct amount according to our Agreement with
you, we will be liable for your losses or damages. However, there are some
exceptions. We will not be liable for instance:

If, through no fault of ours, you do not have enough money in your
account to make the transfer, or if any funds in your account necessary to
complete the transfer are held as uncollected funds pursuant to our Funds
Availability Policy;

If the transfer would go over your credit limit on your overdraft line;

If you used your Card or access code in an incorrect manner;

If the ATM where you are making a transfer does not have enough cash;

If the terminal or system was not working properly and you knew about
the problem when you started the transaction;

If circumstances beyond our control (such as fire, flood, or power failure)
prevent the transfer, despite reasonable precautions we have taken;

If the money in your account is subject to legal process or other claim;

If the funds in your account are pledged as collateral or frozen for a
delinquent loan;

If the error was caused by a system of any participating ATM network;

If the electronic transfer is not completed as a result of your willful or
negligent use of your Card, access code, or any EFT facility for making
such transfers;

If the phone or computer equipment used for audio response or electronic
transfer is not working properly and you know or should have known
about the problem when you started the transaction;

If your account is closed by you or the Credit Union at the time of the
transfer;

There may be other exceptions stated in our agreement with you.
page 3 of 4
RIGHT TO RECEIVE DOCUMENTATION:
a. Periodic Statements: Transfers and withdrawals made through any ATM,
point-of-sale terminal or audio response transactions or preauthorized EFT’s will be
recorded on your periodic statement. You will get a monthly statement, unless there
are no transfers in a particular month. In any case, you will receive a statement at least
quarterly.
b. Terminal Receipts: You will get a receipt at the time you make any
transaction greater than $15.00 to or from your account using an ATM, point-of-sale
terminal or Visa Check Card transaction with a participating merchant. Receipts are
no longer required for Electronic Fund Transfers of $15.00 or less.
c. Direct Deposit: If you have arranged to have a direct deposit made to your
account at least once every sixty (60) days from the same person or company, you can
call us at (770) 476-6400 or 1-888-493-4328 to find out whether or not the deposit has
been made. This does not apply to transactions occurring outside the United States.
CONFIDENTIALITY AND DISCLOSURE OF ACCOUNT
INFORMATION: We will disclose information to third parties about your account or
the transfers you make:

When necessary to completing the transfers;

In order to verify the existence and condition of your account for a third
party, such as credit bureau or merchant; or

In order to comply with government agency, court orders, or government
laws and regulations; or

If you give us your written permission.
BUSINESS DAYS: For the purpose of these disclosures, our business days or
Monday through Friday. Holidays are not included.
NOTICE OF ATM, NIGHT DEPOSIT FACILITY USER PRECAUTIONS: The
following information is a list of safety precautions regarding the use of Automated
Teller Machines (ATM) and Night Depository Facilities.

Commit your PIN to memory, and never write it on your ATM card or
share it with anyone.

Be aware of your surroundings, particularly at night.

Consider having someone accompany you when the ATM or night deposit
facility is used after dark.

If another person is uncomfortably close to you at the time of your
transaction, ask the person to step back before you complete your
transaction.

Refrain from displaying your cash at the ATM or night deposit facility. As
soon as your transaction is completed, place your money in your purse or
wallet. Count the cash later in the safety of your car or home.

If you notice anything suspicious at the ATM or night deposit facility,
consider using another ATM or night deposit facility or coming back later.
If you are in the middle of a transaction and you notice something
suspicious, cancel the transaction, take your Card or deposit envelope, and
leave.

Keep your receipt until you enter the transaction in your checkbook.

If you are followed after making a transaction, go to the nearest public area
where people are located.

Immediately report a lost or stolen Card to the Credit Union.
Rev 5/15
FACTS WHAT DOES GEORGIA UNITED CREDIT UNION DO WITH YOUR PERSONAL INFORMATION?
Why?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some
but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information.
Please read this notice carefully to understand what we do.
What?
The types of personal information we collect and share depend on the product or service you have with us. The information
can include:
 Social Security number and transaction history
 Account balances and payment history
 Credit history and credit scores
When you are no longer our customer, we continue to share your information as described in this notice.
How?
All financial companies need to share members' personal information to run their everyday business. In the section below,
we list the reasons financial companies can share their members' personal information; the reasons Georgia United Credit
Union chooses to share; and whether you can limit this sharing.
Does Georgia United Credit
Union share?
Can you limit this sharing?
Yes
No
For our marketing purposes –
to offer our products and services to you
No
We don’t share
For joint marketing with other financial companies
No
We don’t share
For our affiliates' everyday business purposes –
information about your transactions and experiences
No
We don’t share
For our affiliates' everyday business purposes –
information about your creditworthiness
For our affiliates to market to you
No
We don’t share
No
We don’t share
Yes
Yes
Reasons we can share your personal information
For our everyday business purposes –
such as to process your transactions, maintain your account(s), respond to
court orders and legal investigations, or to report to credit bureaus
For our nonaffiliates to market to you
To limit
our
sharing
Questions?

Visit us online: georgiaunitedcu.org
Please note:
If you are a new member, we can begin sharing your information (30) days from the date we sent this notice. When you
are no longer a member, we continue to share your information as described in this notice.
However, you can contact us at any time to limit our sharing.
Call toll free 888-493-4328 or 770-476-6400
Page 2
Who we are
Who is providing this notice?
This notice is provided by Georgia United Credit Union.
What we do
How does Georgia United Credit Union
protect my personal information?
To protect your personal information from unauthorized access and use, we use security
measures that comply with federal law. These measures include computer safeguards and
secured files and buildings.
How does Georgia United Credit Union
collect my personal information?
We collect personal information, for example, when you



Open an account or provide account information
Deposit money or apply for a loan
Use your credit or debit card
We also collect your personal information from others, such as credit bureaus, affiliates, or
other companies.
Why can't I limit all sharing?
Federal law gives you the right to limit only



Sharing for affiliates’ everyday business purposes – information about your
creditworthiness
Affiliates from using your information to market to you
Sharing for nonaffiliates to market to you
State law and individual companies may give you additional rights to limit sharing.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and non financial
companies.

Nonaffiliates
Companies not related by common ownership or control. They can be financial and non
financial companies.

Joint Marketing
Georgia United Credit Union has no affiliates
Nonaffiliates we share with can include insurance and broker/securities companies
A formal agreement between nonaffiliated financial companies that together market financial
products or services to you.

Georgia United Credit Union doesn’t jointly market
Share and Checking Accounts
770-493-4328 (Metro Area)
(888) 493-4328 (Outside Metro Area)
(800) 237-6211 Visa Customer Service
(770) 621-5410 Instant Access (Metro Area)
(800) 226-3584 Instant Access (Outside Metro
Area)
Georgia United Credit Union
6705 Sugarloaf Parkway
Duluth, GA 30097
www.georgiaunitedcu.org
TRUTH IN SAVINGS DISCLOSURE
The rates, fees and terms applicable to your account at the Credit Union are provided in this Truth In Savings Disclosure. The Credit Union may
offer other rates for these accounts from time to time.
RATE SCHEDULE
DIVIDENDS
Primary/
Secondary
Share
Account
Christmas
Club
Account
Sterling
Fund
Account
Vacation
Club
Dividend Rate
Tier One
Two
Three
0.10%
0.15%
0.20%
0.20%
0.25%
0.30%
0.35%
Annual Percentage Yield
Tier One
Two
Three
Four
0.10%
0.15%
0.20%
0.20%
0.25%
0.30%
0.35%
Last Dividend Declaration Date
01-31-2015
0.10%
01-31-2015
Student
Checking
Account
IRA
Contributory
Account
0.10%
0.15%
0.20%
01-31-2105
Premier
Checking
Account
Restart Checking
Account
Free Direct Deposit
Checking
Account
CU Teen/CU
College
Checking Account
Thrifty
Checking
Account
HSA
Share
01-31-2015
Quality
Checking
Account
0.05%
01-31-2015
0.10%
01-31-2015
01-31-2015
01-31-2015
01-31-2015
Dividends Compounded
Quarterly
Monthly
Monthly
Quarterly
---
Monthly
Monthly
---
---
Dividends Credited
Quarterly
Monthly
Monthly
Quarterly
---
Monthly
Monthly
---
---
Dividend Period
Calendar
Quarter
Calendar
Month
Calendar Month
Calendar Quarter
---
Calendar Month
Calendar Month
---
---
$5.00
$1,000.00
---/$5.00
---
---
---
---
$25.00
---
$5.00/$5.00
$1000.00
---
---
---
$500.00
$1,000.00
---
---
BALANCE REQUIREMENTS
Minimum Opening Deposit
Minimum Balance to Avoid a Service Fee
Minimum Balance to Earn the Stated APY
$100.00
---
$25.00/$100.00
$100.00
---
$500.00
$1,000.00
---
---
Balance Method
Average Daily
Balance
Daily Balance
Average Daily
Balance
Average Daily
Balance
---
Average Daily
Balance
Average Daily
Balance
---
---
Account
transfer and
withdrawal
limitations
apply
Account
transfer and
withdrawal
limitations
apply
Account withdrawal
limitations apply
---
ACCOUNT LIMITATIONS
See Section 6 below.
Account
withdrawal
limitations apply
Account limitations
apply
Account
limitations apply
Restart Checking
Account limitations apply
Account limitations
apply
TRUTH-IN-SAVINGS ACCOUNT DISCLOSURES
Except as specifically described, the following disclosures apply to all of the accounts. All accounts described in this Truth-InSavings Account Disclosure are share and checking accounts
1. Rate Information. The Annual Percentage Yield is a percentage rate that reflects total
5. Balance Information. The minimum balance requirements applicable to each account
amount of dividends to be paid on an account based on the Dividend Rate and frequency of
compounding for an annual period. The Dividend Rate and Annual Percentage Yield may
change every Dividend Period as determined by the Credit Union’s Board of Directors. The
Dividend Rate for each account will be declared the last day of the Dividend Period. The
Dividend Rates and Annual Percentage Yields stated are the rates and yields as of the last
dividend declaration date which is set forth in the Truth-In-Savings Disclosure. The
Primary/Secondary Shares, HSA Shares and IRA Contributory accounts are tiered rates
accounts. If your account balance is above $100.00 but below $1,000.00, the first Dividend
Rate and Annual Percentage Yield listed for this account in the Rate Schedule will apply. If
your account balance is from $1,000.00 to $5,000.00, the second tier Dividend Rate and
Annual Percentage Yield listed for this account will apply. If your account balance is greater
than $5,000.00, the third tier Dividend Rate and Annual Percentage Yield listed for this
account will apply. The Sterling Fund accounts are tiered rate accounts. If your account
balance is $9,999.99 or below, the first tier Dividend Rate and Annual Percentage Yield listed
for this account in the Rate Schedule will apply. If your account balance is from $10,000.00$24,999.99, the second tier Dividend Rate and Annual Percentage Yield listed for this account
will apply. If your account balance is in excess of $50,000.00, the fourth Dividend Rate and
Annual Percentage Yield will apply. Once a particular balance range is met, the Dividend
Rate and Annual Percentage Yield for that balance range will apply to the full balance of your
account.
are set forth in the Truth-In-Savings Account Disclosure. For Primary/Secondary Shares,
Sterling Fund, Quality Checking, and Premier Checking accounts, there is a minimum balance
required to avoid a service fee for the dividend period. If the minimum daily balance is not
met, there will be a service fee, as outlined in the Rate and Fee Schedule. For Christmas
Club, Vacation Club, IRA Contributory, HSA Shares, Quality Checking, and Premier Checking
accounts, there is a minimum average daily balance required to obtain the Annual Percentage
Yield for the dividend period. If the minimum average daily balance is not met, you will not
earn the stated Annual Percentage Yield. For Primary/Secondary Shares, Sterling Fund,
Christmas Club, Vacation Club, HSA Shares, IRA Contributory, Quality Checking, and
Premier Checking accounts using an Average Daily Balance method, dividends are calculated
by applying a periodic rate to the average daily balance in the account for the period. The
average daily balance is determined by adding the full amount of principal in the account for
each day of the period and dividing that figure by the number of days in the period. For
Sterling Fund accounts using a Daily Balance method, dividends are calculated by applying a
daily periodic rate to the principal in the account each day.
2. Nature of Dividends. Dividends are paid from current income and available earnings
after required transfers to reserves at the end of the dividend period.
3. Dividend Compounding and Crediting.
The compounding and crediting of
dividends and dividend period applicable to each account are set forth in the Truth-In-Savings
Account Disclosure. The Dividend Period is the period of time at the end of which an account
earns dividend credit. The Dividend Period begins on the first calendar day of the period and
ends on the last calendar day of the period.
4. Accrual of Dividends. For Primary/Secondary Shares, Sterling Fund, Christmas Club,
Vacation Club, HSA Shares IRA Contributory, Quality Checking, and Premier Checking
accounts, dividends will begin to accrue on noncash deposits (e.g. checks) on the business
day you make the deposit to your account. However, if you close your account before accrued
dividends are credited; accrued dividends will not be paid.
6. Account Limitations. For Primary/Secondary Shares and Sterling Fund accounts, no
more than six (6) preauthorized automatic, or telephone transfers may be made from these
accounts to another account of yours or to a third party in any month. If you exceed these
limitations, your account may be subject to a fee or be closed. For a Christmas Club account,
the entire balance will be transferred to another account of yours on or after November 1 and
the account will remain open. For Christmas Club accounts, there will be a fee for withdrawals.
For Vacation Club accounts, one (1) free withdrawal is allowed per quarter, thereafter a fee
for each withdrawal. For Primary/Secondary Shares, two (2) free withdrawals per month,
thereafter a fee for each withdrawal. For Sterling fund accounts (3) three free withdrawals per
month, thereafter a fee for each withdrawal. For Primary Shares and Checking accounts, the
automated teller machine (ATM) withdrawal allowed is $500.00 per day; this limitation applies
to the combination of any and all withdrawals from Share Accounts and/or Checking Accounts.
For Thrifty Checking, twenty (20) free withdrawals are allowed per month, thereafter a fee for
each withdrawal. To open and maintain a Free Checking, a member must have “Net Check”
deposit through ACH or payroll deduction. In any month that the Free Checking account does
not receive “Net Check” direct deposit through ACH or payroll, there will be a direct deposit
qualification fee accessed to the account as outlined in the Fee Schedule. To open and
maintain a Restart Checking, “Net Check deposit is required and the account must be
maintained for at least one year before it can be converted to another checking account type.
If “Net Check” is stopped, the checking account will be closed. Deposits made at an ATM are
subject to a longer hold with Restart Checking. For IRA Contributory accounts, no account
limitations apply. See Fee Schedule for the withdrawal fee amounts, checking account
limitations, and other fees amounts.
FEE SCHEDULE – Georgia United Credit Union
ATM Transactions
Withdrawals-Inquiries-Withdrawal denials
$ .75
(ATM terminals other than Georgia United, in addition
to their fees)
Replacement ATM or VISA Check Card
$10.00
Overdrawn at ATM
$30.00
Point of Sale Transactions
No Charge
Ga United’s 24 Hour ATM Transactions
No Charge
New VISA Check Card
No Charge
Electronic Services
Direct Deposit
Ga United Online PC Banking
e-Statements
On Line Check Images w/ e-Statements
Bill Pay with e-Statements
Bill Pay w/o e-Statements
(plus .35 per item, max $5.00 mth)
Revert from e-statements to paper statements
(one time set up fee)
Receive both e-statements and paper statements
Instant Access 24Hour Telephone Teller
Collection Items
Domestic Item
Foreign Item
No Charge
No Charge
No Charge
No Charge
No Charge
$1.50 mth
$10.00
$5.00 mth
No Charge
$10.00
$20.00
Copies and Research
Account Activity Printouts
Statement Copy - non-internet
On-Us Check Copy – non internet
Official Check Copy
Account Reconciliation/Research
Verification of Deposit (mailed)
Verification of Deposit (faxed)
$3.00
$3.00
$2.00
$2.00
$20.00/hr
No Charge
No Charge
Monetary Instruments
Gift Card
$3.95
Cashier’s Checks
Official Check Withdrawal (1 free per mth)
Official Check Replacement for On Us Item
$3.00
$10.00
Overdraft / Return per Item Fees
Overdraft/NSF Fee/Force pay
Courtesy Pay
Transfer from Line of Credit
Transfer from Savings
Returned Deposit Item (from another)
Returned Deposit Item (from self)
ACH Return Item Fee
$30.00
$30.00
No Charge
$4.00
$5.00
$15.00
$15.00
Safe Deposit Box
3X5
5X5
3 X 10
5 X 10
10 X 10
Safe Deposit Box Drilling Fee
Missed Appointment for Drilling
Lost Key
$25 annual
$35 annual
$45 annual
$55 annual
$85 annual
$100
$55
$15
Wire Transfers
Wire Transfer Outgoing
Domestic
Foreign
Wire Transfer (within US) Incoming
$15.00
$45.00
$10.00
Other Services
Check Orders - Deluxe
Counter Checks (each)
Closed Account Opened Less than 30 days
Check Cashing Fee
Dormant/Inactive Account (per month)
(Account is inactive if no activity in 4 years)
Management Fee for Ga United’s IRAs
Notary Service
Returned Statement Fee
Service Center Transactions
Signature Guarantee (call for appt.)
Stop Payment Fee
Stop Payment Fee (online)
Teller Service Per Transaction
Levy or Garnishment
Late Charge-Credit Card
Quick Pay Transfer
Loan Subordination Fee
(varies)
$.50
$5.00
$3.00
$5.00
No Charge
No Charge
$5.00
No Charge
No Charge
$30.00
$20.00
No Charge
$25.00
$20.00
$8.00
$125.00
FEE SCHEDULE – Georgia United Credit Union
Savings Services
Membership Fee (one time)
Primary and Secondary Shares
Below Minimum Balance (Savings)
(If balance falls below $5.00 during the month
$2.00 a fee will be charged at the end of the
quarter.
$5.00 minimum balance is not used to cover
overdrafts.)
Excessive Share Withdrawal
(2 free per month)
Christmas Club Early Withdrawal Fee
$5.00
$2.00
$2.00
$5.00
$5.00
Locations with Safe Deposit Boxes
Athens
Clarkston
Conyers
Dublin
North Atlanta
Vacation Club Excessive Withdrawal Fee
(1 per quarter)
Checking Services
Free Checking
With direct deposit or e-statements
Without direct deposit or e-statements
Premier Checking
Required minimum balance
Quality Checking (No longer offered)
Required minimum balance
CU Teen and CU College Checking
No Charge
$5.00
$6.00
$4.00
No Charge
$1.00
Student Checking
Monthly charge
(20 free checks and/or withdrawals per month)
Excessive withdrawals
Thrifty Checking
Monthly charge
(20 free checks and/or withdrawals per month)
Excessive withdrawals
Restart Checking
Monthly charge
$.30 per item
Georgia United Shared Branch Locations
Athens
Cumming
Dublin
Gwinnett
Northlake
Stockbridge
Panola
Dalton
Clarkston
North Atlanta
Conyers
$2.50
$.30 per item
$12.00
$5.00
$2.00
Sterling Fund Money Market
Required minimum balance
Excessive withdrawal fee
The rates and fees appearing in this Schedule are accurate and effective for accounts as of the Last Dividend Declaration Date indicated on this Truth In Savings Disclosure. If you have any questions or
require current rate and fee information on your accounts, please call the Credit Union.