Dear Future Member,
Credit unions began as an idealistic, yet practical movement. The concept was
simple: member/owners pool their savings and lend to each other. From the
beginning, credit unions sought to improve financial lives by helping individuals
and families to save and borrow prudently.
Credit unions are not-for-profit financial cooperatives. Our primary focus is to
serve our members well, not to make a profit. Earnings are returned to our
members in the form of lower loan rates, higher interest on deposits.
To open your accounts follow these simple steps:
1. Complete the Account Card and Overdraft Services Consent
2. Include a copy of your driver’s license with your initial deposit (minimum
$5 for savings and $25 for checking)and return all forms to:
Oklahoma Employees Credit Union
ATTN: New Accounts
P.O. Box 24027
Oklahoma City, OK 73124
OECU deposit accounts are federally insured by the National Credit Union Share
Insurance Fund up to at least $250,000, just like FDIC coverage for banks. We
look forward to taking care of all of your financial needs.
Should you have any questions about opening an account please feel free to
call 405.606.6328, toll-free at 1.877.677.6328 or visit us at www.oecu.org.
Happy to Help,
Oklahoma Employees Credit Union
OECU Access
anytime. anywhere.
Why Choose OECU
No phone trees to hassle with. A person answers
the phone - not a computer.
We offer the same low rate for new & used Auto
Loans to save you money.
Our goal is to provide fast loan approvals and
same day funding to save you time.
We don’t sell our Real Estate Loan servicing. We will
be there from your first payment to your last.
Open Your Accounts Online
It’s easy, secure and fast. Apply anytime, day or
night. Nothing to get lost in the mail. There’s no
need to ever step into a branch.
Start Using Free eServices
Securely manage your finances anytime,
anywhere.
• Deposit checks with your smartphone^
• View your account history
• Pay bills**
• Transfer between accounts
• View, print & securely store your statements &
check copies
Access your accounts no matter where
you are...
• Set up Direct Deposit so your money will automatically be there each payday.
• Visit one of the 5,053 nationwide Shared Branching
locations. To find a Shared Branch near you visit
www.co-opsharedbranching.org.
• Set up Automatic Payments for your OECU loan
from any financial institution.
• Call us at 405.606.6328 to make a payment, check
balances or transfer money right over the phone.
• Use your PIN to get Cash Back when you pay with
your debit card.
• Use any 900+ Surcharge Free* ATMs in Oklahoma.
Visit www.oecu.org to find an ATM near you.
• Securely and conveniently check balances,
transfer money and pay bills with eBranch and
Mobile Banking.
• Securely deposit checks^ with your smartphone
using our free app for Android and iPhone.
To open your account, apply for a loan or find out
more about our products and services please visit
www.oecu.org.
Federally insured by NCUA. *A fee may apply for out of network ATMs. ^Subject to all Terms and Conditions including Eligibility Requirements available
at www.oecu.org. ** Must pay one or more bill per month. $4.95 per month if no activity.
OECU Services
Checking Accounts
Free Visa Debit Card
Overdraft Protection*
24-hour phone teller
Free eServices
Online Banking
Mobile Banking
iPhone & Android Apps
ePay+
eStatements
Direct Deposit
Savings & Investments
Savings Accounts
Certificate Accounts
Money Market
Future Millionaires
Payroll Deduction
IRAs
Roth
Traditional
Coverdell ESA
Home Loans
1st & 2nd Mortgages
Home Equity Lines of Credit
Home Equity Loans
Up to 30 Years
Auto Loans
New & Used Cars
Motorcycles
Boats & more
GAP Coverage
Service Contracts
Loans
Storm Shelters
Signature
Pay Day
Money on Deposit
Business Services
Small Business Checking
Business Credit Cards
Construction Loans
Development Loans
OECU Branches
Call Center
405.606.6328 or 877.677.6328
M-F 7:00 a.m. - 6:00 p.m.
Sat. 9:00 a.m. - 1:00 p.m.
Capitol Drive-Thru: Lobby: 3001 N Lincoln
M-F 7:00 a.m. - 6:00 p.m.
Sat. 9:00 a.m. - 1:00 p.m.
M-F 8:30 a.m. - 4:30 p.m.
ODOT Lobby: 200 NE 21st (Dept. of Trans.)
M-F 8:30 a.m. - 4:30 p.m.
Tulsa Lobby: 440 S Houston Avenue, Suite 8
918.582.0850 or 800.651.0051
M-F 8:30 a.m. - 4:30 p.m.
Vinita 442586 E 250 Road
918.256.3248
Lobby: M-F 9:00 a.m. - 4:00 p.m.
Shared Branching
www.co-opsharedbranching.org
• 323-B S. Air Depot, Midwest City
• 1153 Garth Brooks Blvd., Yukon
• 10491 N. May Ave., Oklahoma City • 6105-A S. Mingo, Tulsa
• 701 W. Main, Norman
Community Branches:
NW Expwy 7230 NW Expressway
Quail Springs 15100 N May (May & N.W. 150th)
South OKC
530 SW 119th
Drive-Thru: M-F 9:00 a.m. - 6:00 p.m.
Sat. 9:00 a.m. - 12:00 p.m.
Lobby: M-F 9:00 a.m. - 5:00 p.m.
Sat. 9:00 a.m. - 12:00 p.m.
Federally insured by the NCUA. +If using ePay, member must pay one or more bill per month. $4.95 per month if no activity. *Visit www.oecu.org/checking-and-savings/
overdraft-protection for details.
P.O. Box 24027
Oklahoma City, OK 73124
405.606.6328
ACCOUNT CARD
IMPORTANT INFORMATION ABOUT PROCEDURES
FOR OPENING A NEW ACCOUNT
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to
obtain, verify, and record information that identifies each person who opens an account.
What this means to you: When you open an account, we ask for your name, address, date of birth, and other information that will allow
us to identify you. We may also ask to see your driver's license or other identifying documents.
ACCOUNT TYPE
All of the terms, conditions, form of account ownership, account selection and other information indicated on this card apply to all of the
accounts listed below unless the credit union is notified in writing of a change.
Suffix*
Suffix*
Share/Savings
Money Market
Share Draft/Checking____
Living Trust
Share Certificate
IRA
Debit Card
Other
*The account number for each of the accounts listed above consists of the suffix added to the end of the Member Number listed below. If
this card applies to more than one account of the same type, more than one suffix will be listed for that account type.
MEMBER IDENTITY INFORMATION
Member/Owner
Member No.
Mailing Address
City/State/Zip
Email Address
Mother’s Maiden Name
Residence
Business
Physical Address (if
different than address
given above)
Occupation (for individual)
Employer
Address
Job Title
Eligibility for Membership
Daytime Phone:
Date of Birth
Hire Date
Supervisor
Work Phone
Listed
Cell Phone
Unlisted
ACCOUNT OWNERSHIP
Joint Owner:
SSN/TIN:
Street:
Driver's Lic. No.:
City/State/Zip
Date of Birth:
Home Phone:
Listed
Unlisted
Password:
Work Phone:
E-mail:
Joint Owner:
SSN/TIN:
Street:
Driver's Lic. No.:
City/State/Zip:
Date of Birth:
Home Phone:
Listed
Unlisted
Work Phone:
Password:
E-mail:
GOVERNMENT ISSUED IDENTIFICATION NUMBER
SSN/EIN
____________________________________________
If you do not have a SSN/EIN you must provide AT LEAST ONE of the following:
Individual Taxpayer Identification Number
Alien Identification Number
Passport Number
Other government Issued Document No.
_
Country
Country
Describe Document:
CUNA Mutual Group, 2003
26621 DOKAA0 08/18/05
OECU-AC 9/11/2013
REFERENCES
Two references, friends or family, who DO NOT live with you.
Name:
Relation:
Phone:
Name:
Relation:
Phone:
_________________________
_________________________
_________________________
ACCOUNT DESIGNATIONS
Payable on Death (POD)/Trust Account
All Accounts
Designate Specific Account(s)
Beneficiary/POD Payee:
Beneficiary/POD Payee:
Street:
Street:
City/State/Zip:
City/State/Zip:
(please print)
Agency Name of Agent:
(date)
Signature:
UTTMA/UGMA (as custodian for
(minor) under the Uniform Transfers/Gift to Minors Act)
Minor's SSN/TIN:
Other:
See Account Authorization Card
TIN CERTIFICATION AND BACKUP WITHHOLDING INFORMATION
Under penalties of perjury, I certify that:
(1) The number shown on this form is my correct taxpayer identification number,
(2) I am not subject to backup withholding because: (a) I am exempt from backup withholding, or (b) I have not been notified by the
Internal
Revenue Service (IRS) that I am subject to backup withholding as a result of a failure to report all interest or dividends, or (c) the IRS has notified me
that I am no longer subject to backup withholding, and
(3) I am a US. person (including a U.S. resident alien).
Certification Instructions. Cross out item 2 above if you have been notified by the IRS that you are currently subject to backup withholding
because you have failed to report all interest and dividends on your tax return. Cross out item 3 and complete a W-8 BEN if you are not a U.S. person.
AUTHORIZATION
By signing below, I/we agree to the terms and conditions of the Membership and Account Agreement, Truth-in-Savings Disclosure, Funds Availability
Policy Disclosure, if applicable, and to any amendment the Credit Union makes from time to time which are incorporated herein. I/We acknowledge
receipt of a copy of the Agreement and Disclosures applicable to the accounts and services requested herein. If an access card or EFT service is
requested and provided, I/we agree to the terms of and acknowledge receipt of the Electronic Funds Transfer Agreement. The Internal Revenue Service
does not require your consent to any provision of this document other than the certifications required to avoid backup withholding.
Debit Card Application: You are authorized to check my credit. I have been instructed by Oklahoma Employees Credit Union to memorize my
Personal Identification Number (PIN), never to write it on my Card(s) and never to tell anyone my PIN.I have also received and read the liability
disclosures concerning the use of my Card(s). Check Card applications are subject to account review and normal approval policies apply. Daily
purchase limit of $1,000* with maximum ATM withdrawal limit of $500*, or available account balance. Policies on deposits vary by state, contact
OECU for specific state details. *Fresh Start Checking daily limits, $500 purchase and $250 ATM withdrawal.
X
X
X
Signature
Date
Signature
Date
Debit Card:
Approved
Debit Card #
Signature
Date
Signature
Date
See Account Change Card
FOR CREDIT UNION USE ONLY
Date of Membership:
X
Opened/App'd by:
See Insurance Beneficiary Card
Member Verification:
Denied By:
Checking (POS) Account #
Savings Account #
Credit Report
Check Verify
PIN Request
Access Card
Audio Response
PC Access/Internet Banking
CUNA Mutual Group, 2003
D40000 Rev. 08/03
OECU-AC 9/11/2013
DISCREPANCY OCUMENTATION
State any discrepancy in the identity information provided above discovered through the identity verification process and the resolution of the
discrepancy.
STAFF COMPLETION DOCUMENTATION
Verification Completion Date
Government List(s) Checked:
Treasury CIP LIST
OFAC
By
Other:
List Verification Completion Date
By
DOCUMENTARY VERIFICATION
Individuals
Driver's License No.
State
Issue Date
Student ID No.
Exp. Date
School
Passport No.
Date
Country
Exp. Date
Employee ID No.
Employer
Other Document No.
Describe Document
Issuing Authority
Issue Date
Exp. Date
Businesses and Other Organizations
Certified Articles of Incorporation Dated
State
Partnership Agreement Dated
Names of Partners
Date
Business License No.
Trust Instrument Dated
Issuing Authority
Exp. Date
Name of Grantor(s)
Other documents showing existence of entity (describe)
Financial Statement of Business (describe business)
NON-DOCUMENTARY VERIFICATION
Third Party Verification (credit bureaus, public data bases)
Source
Obtained References from Other Financial Institutions
Name
Contacted Member by:
Other Sources
Phone
Mail
Experian
E-Mail
___
OVERDRAFT SERVICES CONSENT
ATM and One-Time Debit Card Transactions
WHAT YOU NEED TO KNOW ABOUT OVERDRAFTS AND OVERDRAFT FEES
An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it
anyway. We can cover your overdrafts in two different ways:
1. We have standard overdraft practices that come with your account.
2. We also offer overdraft protection plans, such as a link to a share/savings account or overdraft
line-of-credit, which may be less expensive than our standard overdraft practices. To learn more, ask us about
these plans.
This notice explains our standard overdraft practices.
What are the standard overdraft practices that come with my account?
We do authorize and pay overdrafts for the following types of transactions:
Share drafts/checks, and other transactions made using your checking account
Automatic bill payments
ACH transactions
We do not authorize and pay overdrafts for the following types of transactions unless you request us to:
ATM transactions
One-time debit card transactions
We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any
type of transaction.
If we do not authorize and pay an overdraft, your transaction will be declined.
What fees will I be charged if the Credit Union pays my overdraft?
Under our standard overdraft practices:
We will charge you a fee of $25.00 each time we pay an ATM or debit card transaction overdraft.
There is no limit on the total fees we can charge you for overdrawing your account.
What if I want the Credit Union to authorize and pay overdrafts on my ATM and one-time debit card transactions?
If you want us to authorize and pay overdrafts on ATM and one-time debit card transactions, complete the
section below and return it to: Oklahoma Employees Credit Union PO Box 24027, Oklahoma City OK 73124 or
call (405) 606-6328, Toll Free (877) 677-6328.
ADD COVERAGE - I want the Credit Union to authorize and pay overdrafts on my ATM and one-time debit card
transactions. I understand I will be charged fees as listed above.
REMOVE COVERAGE - I do not want the Credit Union to authorize and pay overdrafts on my ATM and one-time
debit card transactions.
I have the right to revoke this coverage at any time by contacting the Credit Union in writing or by phone.
If there are multiple owners on the ATM and/or debit card account, either account owner can act on behalf of all
owners on this account. Only one (1) account owner signature is needed to add or remove the overdraft coverage.
ACCOUNT NUMBER
Signature
X
ADD COVERAGE
REMOVE COVERAGE
Member No.
CREDIT UNION CONSENT CONFIRMATION
(All accounts have been updated)
Employee:
Date:
FACTS
WHAT DOES OKLAHOMA EMPLOYEES CREDIT UNION [OECU] 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. This information can include:
• Social Security number and income
• Transaction, loss history and/or 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
OECU chooses to share; and whether you can limit this sharing.
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 & legal investigations, or report to credit bureaus
For our marketing purposes to offer our products & services to you
For joint marketing with other financial companies
For our affiliates’ everyday business purposes information about your transactions & experiences
For our affiliates’ everyday business purposes information about your creditworthiness
For our affiliates to market to you
For nonaffiliates to market to you
Questions?
Does OECU share?
Yes
Can you limit this sharing?
No
Yes
No
Yes
No
No
We don’t share
No
We don’t share
No
No
We don’t share
We don’t share
Call 877.677.6328 or go to www.oecu.org
Revised 5.13.13
Page 2
What we do
How does OECU protect my
personal information
How does OECU collect my
personal information?
Why can’t I limit all sharing?
To protect your personal information from unauthorized access and use, we
use security measures that comply with federal law. These measures include
computer safeguards & secured files and buildings.
We collect your personal information, for example, when you
• open an account or apply for a loan
• give us your contact information or give us your wage statements
• use your credit or debit card
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
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 laws & individual companies may give you additional rights to limit
sharing.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial
and nonfinancial companies.
Nonaffiliates
• Credit Union Service Centers (CUSC)
Companies not related by common ownership or control. They can be
financial and nonfinancial companies.
Joint marketing
• We do not share with nonaffiliates so they can market to you.
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
• Our joint marketing includes insurance companies, statement vendors,
card processors, credit bureaus and other financial service companies.
Revised 5.13.13