Checking and Savings

Account Application
Please use the Checking and Savings Account Application to:
• Open a FREE Checking or Dividend Checking and Opt-in or Out of DCU’s Overdraft Payment
Service including an option specific to check card transactions.

• Request a DCU VISA® Check Card or DCU ATM Card

• Set up Cross-Account Transfers - a list of other members to which you may transfer funds using Online Banking
or Easy Touch Telephone Teller.

• Open a Money Market Account

• Open a Member-Described Savings Account

• Open a Holiday Club Savings Account

If you are not yet a DCU member, DO NOT USE THIS FORM. You must complete a Membership Application before
opening accounts. You can open accounts with the Membership Application as you join DCU.

To speed up the processing of your application, please follow these steps:

1. Fill out the application completely and sign it. Incomplete or unsigned applications will delay processing your request.

2. Mail your application with a check or money order for your initial deposit payable to
Digital Federal Credit Union to:

Digital Federal Credit Union

Attn: Account Services Center
220 Donald Lynch Boulevard, PO Box 9130
Marlborough, MA 01752-9130

What you can expect

Once you mail in your application...

• Allow 2 weeks for your request to be processed. You’ll be able to view your new account on Online Banking at that
time. Visit dcu.org and login with your Member Number and secret PIN (Personal Identification Number).

• Allow 2 additional weeks to receive a receipt, a Truth-in-Savings Disclosure, and an Electronic Services
Disclosure and Agreement. These disclosures are also available online from our web site at dcu.org
and in our branches.
 New Checking and Savings
Digital Federal Credit Union • 220 Donald Lynch Blvd • PO Box 9130 • Marlborough, MA 01752-9130
508.263.6700 • 800.328.8797 • dcu.org • [email protected]
Account Application
IMPORTANT INFORMATION (Unless you are already a DCU member). We are required, by federal law, to obtain, verify, and record information that identifies
each person opening or having access to a DCU Account. We will ask for your legal name, residential address, Social Security Number (SSN) or Individual Taxpayer
Identification Number (ITIN), Phone Number, and Date of Birth. REQUIRED IDENTIFICATION: No individual can be named on this account in any capacity
without having provided the following current identification, one of which must include a picture and one of which must reflect the individual’s current residential
address as given. If one of these forms of identification includes both, you need only submit that one: • US Driver’s License • US Social Security Card • Passport •
US Military ID • US Work Visa • Other Government Issued picture ID (2nd ID always required). DCU reserves the right to request additional identification.
If you are already a DCU member, you are not required to provide the REQUIRED IDENTIFICATION.
Note: If you are not a DCU member, you must fill out a Membership Application before opening accounts.
Instructions: Complete only the sections applicable to you. In all cases, you must sign this form. If
there will be a joint owner on any account you are opening, he or she must also sign.
Prime Owner’s Legal Name______________________________ Member # ____________________ Social Security # _____ /____ /_____ Date of Birth ___ /___ /___
Residential address ____________________________________________________________________

Accounts and Services

Please check all that apply. Check Self for each account you want and Joint to add the person listed under Joint Owner Information.

Self Joint Account or Service Requested Initial Deposit

q q FREE Checking* (no minimum to open) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $____________.____
q q Dividend Checking ($2,500.00 minimum balance to earn dividends. $10.00 monthly fee for those
months the product qualifications are not met. See dcu.org for details or ask a DCU representative.)
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $____________.____
*** Must Select One of the following if opening a CHECKING ACCOUNT *** I understand that I will receive an
acknowledgement of this request. I have read the Disclosure on the reverse and would like to:
q Opt-in to Overdraft Payment Service.
q Opt-in to Overdraft Payment Service but I do not want DCU to authorize and pay overdrafts for my everyday
check card transactions processed outside of the PIN network.
q Opt-out of Overdraft Payment Service.
q q FREE DCU VISA® Check Card* (checking account required) or DCU ATM Card (Circle Only One)
q FREE Online Banking (already included with your DCU membership)
I would like to make transfers into the following members’ accounts using Online
Banking or Easy Touch Teller System (known as Cross-Account Transfers)
Enable transfers to Member Numbers: ____________ , ____________ , ____________
q q Ltd Savings Account ($25,000 minimum balance to earn dividends) . . . . . . . . . . . . . . . . . . . $____________.____
q q Money Market Account ($1,000.00 minimum balance to earn dividends) . . . . . . . . . . . . . . . $____________.____
q q “Member Described” Savings ($100.00 minimum balance to earn dividends) . . . . . . . . . . . . $____________.____
Requested account name: ______________________________________________
q q Holiday Club . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $____________.____
Transfer $_____ from my DCU Checking Account each month ($20.00 minimum)
Transfer $_____ from my Savings Account each month ($20.00 minimum)
q q Share to Share . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $____________.____
Transfer from DCU Account ___________________________ Share ______
Total Enclosed (Make checks payable to Digital Federal Credit Union. Send no cash.) . . . . $____________.____
*Upon Approval

Joint Owner Information

Joint Owner’s Legal Name ______________________________ SS#/TIN _____ /____ /_____ Date of Birth ___ /___ /____
Residential Address ____________________________________ Apt. # ________ City / State / ZIP ____________________________
Years at current address ________ If less than 2, my previous address was __________________________________________________
Home phone (_____) ________________ Work phone (_____) ______________ Member # (if DCU member) ________________________

Agreement
By signing below, I, meaning each and all who sign this form, request the services listed above and agree that, except as indicated on this form, the information set forth in my initial member-
ship application remain in full force and effect. I hereby agree to conform to the Digital Federal Credit Union’s bylaws and the terms and conditions of the Truth-in-Savings Disclosure and
Account Agreements, the Electronic Services Disclosure and Agreements, and the Schedule of Fees and Service Charges which are incorporated by reference whether applicable to products and services I am
currently requesting or request in the future. By signing this application, I authorize you to gather and exchange whatever credit, checking account, and employment information you consider
appropriate from time to time. If I, the Prime Owner, am under 17 years of age, I understand that I must have a parent or guardian of legal age as Joint Owner on any checking accounts I have
with DCU. I certify that the information provided on this application is true, correct, and complete.
X ________________________________________________________________________________ X ______________________________________________________________________________
Prime Owner’s Signature Date Joint Owner’s Signature Date
q Please send me copies of the Truth-in-Savings Disclosure and Account Agreements, the Electronic Services Disclosure and Agreements, and the Schedule of Fees and Service Charges.

Credit Union Use Only

Rec’d ______ /______ / ______ Proc by # ______ X-Ref # ____________________________ Visa Amount $ ______________________________ Accepted (Y / N) ________________________

ID Type ____________________________ # ______________________________ EXP ______ /______ / ______ Add’l Doc. ________________________________________________________
 Overdraft Payment Service
DISCLOSURE: 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 if you qualify.
2. We also offer overdraft protection plans such as a path that links to a Savings Account, or an
overdraft to a Line of Credit (if you apply and are approved), which may be less expensive than
our Standard Overdraft Practices. To learn more, see the Contact Info below.

This notice applies to our Standard Overdraft Practices.

What are the Standard Overdraft Practices that come with my account?
If you opt-in to and are approved* for DCU's Standard Overdraft Payment Service, the following
coverage applies:

We do authorize and pay overdrafts for the following types of transactions:

• Checks and other transactions made using your checking account number
• Automatic bill payments and other pre-authorized transactions
• Everyday check card purchases (processed outside of the PIN network)

We do not authorize or pay overdrafts for the following types of transactions:

• ATM transactions
• Check card purchases (processed through the PIN network)

Note: We may authorize and pay overdrafts at our discretion. If we do not authorize or pay the overdraft,
your transaction will be declined or returned. Business checking accounts do not qualify for this service.

What fees will I be charged if you pay my overdraft?

Under our Standard Overdraft Practices:

• We may authorize and pay items that overdraw your account up to $1500 at any one time and
charge you a fee of $30.00 each time we pay an overdraft.
• There is no limit to the total fees we may charge you for overdrawing your account.

NOTE: This is the same fee that would be charged if the item was returned however, in this case, the item is paid.

*In order to be approved for this Service, I must be at least 23 years of age and a member
in good standing with a DCU checking account. I understand I may apply now but that you
will delay action on this request until my checking account has been open for at least 90 days.

CONTACT INFO:
Online at dcu.org, Information Center 508.263.6700 or 800.328.8797, Email: [email protected]

M727a (3.2013)