XDZVTFK

Online Reference #: XDZVTFK
(https://www.firsttechfed.com/) Submitted: 10 Oct 2024 00:06:13 AM
First Tech Rewards Checking
Eddie Wolfe
PRIMARY APPLICANT
First Name
Eddie
Middle Name (Optional)

Carl
Last Name
Wolfe
Suffix (Optional)
Email
[email protected]
Phone Number
(251) 281-0673
Phone Type
Home
 Cell
Work
For your information

PRIVACY NOTICE AT COLLECTION OF PERSONAL INFORMATION
Your privacy is important to us. To find out more about of how we collect, use, and share your personal information, please read our Notice at Collection of
Personal Information available online at (https://www.firsttechfed.com/NoticeAtCollectionConsumer) and our Consumer State Privacy Policy available at
(https://www.firsttechfed.com/consumerstateprivacypolicy)
Mobile Phone and Email Contact Policy

By providing phone numbers for a cellular or other digital service and/or email addresses, I expressly consent to receiving calls, messages and emails from First Tech, its affiliates and
agents. Calls may include prerecorded or artificial voice messages, text messages and those made by an automated telephone dialing system. Calls and messages may incur access fees
from my service provider.
USA PATRIOT Act Notice
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 for you: When you open an account, we will 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.
The Application for First Tech Rewards Checking was submitted from
Channel: ONLINE using IP address 185.215.181.250 on Date 10 Oct 2024 12:06:12 AM Page 1 of 7
Eddie Wolfe
PRIMARY APPLICANT
Home Address
170 Mill Creek Cir
Unit/Apt
Lot 11
City
Jesup
State
Georgia
Zipcode
31545
 Check if your mailing address is different
Social Security Number

***-**-****
Date Of Birth
12/27/1966
Page 2 of 7
Eddie Wolfe
PRIMARY APPLICANT
Employment Information
Employment Status
Full-Time
Employer Name
Wolfes Roofing Inc
Position
President
Membership Qualification
Which of these options fit you best ?

None of these fit! Join a partner association
Select an association you would like to join
Computer History Museum
 Financial Fitness Association
 I consent to become a member of the selected club or association.

The first year’s membership fee to FFA or CHM will be paid by First Tech on your behalf. Subsequent years will need to be maintained by you should you chose to continue. If you cancel
your membership with the partner organization, your First Tech Federal Credit Union membership will not be affected. This fee may be reported as interest to the IRS on Form 1099-INT.
Please consult your tax advisor for questions concerning tax reporting.
Page 3 of 7
Eddie Wolfe
PRIMARY APPLICANT
What is your residence status?
 U.S Citizen
Permanent Resident Alien
Non-Permanent Resident Alien
What type of identification will you be using?

Driver License
ID Number
053678780
Issued State
Georgia
Issued Date
06/18/2020
 My state doesn’t provide an issued date
Expiration Date
12/27/2027
 My state doesn’t provide an expiration date
Page 4 of 7
Eddie Wolfe
PRIMARY APPLICANT
Do you want to add another applicant?
Yes
 No
Funding
Let's deposit funds into your new First Tech account. Select one of the options below
Select Funding Type
First Tech Accounts
 External Accounts
Other
Account Number
2001154
Routing Number
113026243
Bank Name / Financial Institution

Agility Bank
Select Account Type
 Checking
Savings

Amount (Minimum $10)
$ 150.00
Serial Number (for testing only)
Membership Savings
A membership makes you a part-owner of the credit union! This means you have a vote in important decisions and can help ensure we remain member focused. Get
started with as little as $5 in a membership savings account.
Amount (Minimum $5)
$ 255.00
 By clicking on the checkbox, I authorize First Technology Federal Credit Union (First Tech) to initiate a one-time ACH withdrawal of funds
from the external account referenced above for deposit into my First Tech account referenced above. If necessary, I authorize First Tech to
correct or adjust any ACH withdrawal request that is presented in error on my account. I certify to First Tech that the external account
information provided above is true, complete and correct, and that I am an owner of such external account with the authority to withdraw
funds from such external account.
Note: Your request to initiate the ACH withdrawal described above shall be pending until reviewed by First Tech. First Tech has no obligation to initiate the requested ACH withdrawal
and may delay or terminate such request in accordance with our Online Banking Agreement. If the ACH withdrawal request referenced above is returned for any reason, including
non-sufficient funds, First Tech may assess a fee.
Overdraft Protection
Protect your Checking Account!
Inadvertent overdrafts can be embarrassing and costly. Protect your checking account by enrolling in our Overdraft Protection service.
Overdraft Protection service can help you reduce or avoid expensive overdraft fees or return items if you inadvertently overdraw your account.
Learn more about Additional Overdraft and Overdraft Protection
Page 5 of 7
Do you want to enroll in Overdraft Protection?
Yes
 No
Overdraft Protection can help to protect your checking account from expensive overdraft fees or return items if you inadvertently overdraft your account. There is no cost if you do not use
this service.
If you have any questions about this service, or about overdrafts in general, please see the Overdraft Policy, or visit the Overdraft Fee FAQ available at www.firsttechfed.com
(https://www.firsttechfed.com).
You may change your preferences at any time in the future by calling us at 855-855-8805, sending a secure message, by visiting your local experience center, or by accessing the
Overdraft Services feature in Digital Banking.
Discretionary Overdraft
Want additional coverage in the event of overdrafts?
Discretionary Overdraft - Service can be used as a second line of defense to help prevent certain returned transactions in the event that your Overdraft Protection service funds have been
exhausted.
Learn more about Discretionary Overdraft
Account to Protect
Opt In
 Opt Out
If you have any questions about this service, or about overdrafts in general, please see the Overdraft Policy, or visit the Overdraft Fee FAQ available at www.firsttechfed.com
(https://www.firsttechfed.com).
1. Opting out of Discretionary Overdraft service may mean that overdraft transactions are returned or rejected if not covered by Overdraft Protection service.
2. You may incur third party merchant fees as a result.
3. There is no cost to you if you do not use this service.
4. You may change your preferences at any time in the future by calling us at 855-855-8805, sending a secure message, by visiting your local experience center, or by accessing the
Overdraft Services feature in Digital Banking.
Additional Services
 Debit Mastercard ®
 Blazers Debit Mastercard®
Page 6 of 7
Disclosures
Eddie Wolfe
 I have read and agree to the E-Sign Consent and Disclosure and First Tech's Privacy Notice.
IRS Withholding
Have you been notified by the Internal Revenue Service (IRS) that you are subject to backup withholding?
 No, I am not subject to backup withholding
Yes, I have heard from the IRS that I am subject to backup withholding
Tax Certification
Under penalties of perjury, I certify that:
(1) The Taxpayer Identification Number I provided is correct, (or I am waiting for a number to be issued to me); and
(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 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 U.S. citizen or U.S. resident alien.
The IRS does not require your consent to any provisions of this document other than the certification required to avoid backup withholding.
Telephone Consumer Protection Act - TCPA
By providing First Tech with a telephone number for a cellular phone or other wireless device, I expressly consent to receive communications - including but
not limited to prerecorded or artificial voice message calls, text messages, and calls made by an automatic telephone dialing system - from First Tech, its
affiliates and its agents at that number. This express consent applies to each such telephone number that I provide to First Tech now, or in the future, and
permits such calls regardless of their purpose. Calls and messages may incur access fees from my service provider.
 I agree
Skip
Final Acknowledgements
Applicant Information: I certify that the information provided in this application is true, complete and correct, and I will notify First Technology Federal Credit Union (First Tech) immediately if there are any
changes to my contact information or other important changes. I authorize First Tech to use the information provided in this application to verify my identity, support my transactions, and for fraud avoidance
purposes, which may include sharing such information with third parties for such uses. I authorize my wireless operator to disclose to First Tech my account, subscriber, device, and billing information, if
available, to support verification of my identity. I can find more detail about how First Tech uses my data in the First Tech Privacy Notice.
Consent to Contact: I expressly authorize First Tech to contact me at the email addresses and phone numbers provided in this application. I authorize First Tech to use the phone number provided to verify my
identity, which may include disclosing the phone number provided to a third-party to send me a One-Time Password via SMS text message. If a One-Time Password is sent, mobile messaging rates may apply.
Use of Credit Bureau Information: I authorize First Tech to obtain credit bureau reports or other data collected by a credit bureau to confirm my identity and evaluate my creditworthiness, now and in the future,
in order to determine my eligibility for membership and products and services offered by or through First Tech, regardless of whether I have applied for the product or service. Upon my request, First Tech will
inform me if it requested a consumer report, and provide me with the name and address of the consumer reporting agency that furnished any such report. I authorize First Tech to verify employment, income,
address, phone, and all other information provided with credit reporting agencies, employers, third parties, and through records maintained by federal and state agencies (including any state motor vehicle
department or social security administration).
Membership Share: I certify that I am eligible for membership with First Tech as set forth in this application and agree to become a member of First Tech. I understand that membership is required to obtain a
savings or checking account, loan, or certain other products and services from First Tech. I understand that I must subscribe for and maintain one member share ($5.00) to evidence my membership. I agree
that First Tech may open a membership share account in my name and fund the one member share ($5.00), which account shall remain open so long as I am a member of First Tech.
By clicking on the "Submit" button below, I agree to First Tech's Membership and Account Agreement; Funds Availability Policy; Overdraft Policy; Truth in Savings Disclosure, Rate Sheet, and Fee Schedule; and
Truth in Savings Disclosure, Rate Sheet, and Fee Schedule - Rewards Checking and Savings and all other terms, conditions and disclosures set forth in this application.
Submitted and accepted by :
Eddie Carl Wolfe
10/10/2024 12:06:32 AM PDT
Page 7 of 7
Consent for Use of Electronic Signatures
and Electronic Disclosures Agreement
Effective Date: August 1, 2024
In an attempt to expedite the application process, First Technology Federal Credit Union (“First Tech”) requests applicants
complete an online application and sign it electronically, thus replacing handwritten applications and wet signatures. We urge
you to carefully read the terms and conditions of this Consent for Use of Electronic Signatures and Electronic Disclosures
Agreement (“Agreement”). Please keep all records relating to this Agreement and print or make an electronic copy of any
Communications.
Definitions.
• “We”, “us”, “our”, and “First Tech” refer to First Technology Federal Credit Union.
• “You” and “your” mean you, the individual(s) or entity applying for products, services, and accounts.
• “Communications” means any and all current and future required notices and/or disclosures, agreements, amendments,
applications, periodic billing or account statements or similar records, receipts, tax forms or statements, responses to
claims, transaction history, privacy policies, terms and conditions, and all other documents or information related to the
products, services, and accounts provided by First Tech, including but not limited to information that we are required by
law to provide to you in writing.
• “E-Signature” means an electronic symbol or process attached to, or logically associated with, a record and used by a
person with the intent to sign the record, which symbol or process may include but not be limited to signing electronically,
typing your name, selecting a checkbox, clicking a button, using our online banking services, or taking or engaging in
another similar electronic action.
Electronic Signature Agreement.

You are signing this Agreement electronically. You agree your E-Signature, or action taken indicating agreement, is the legal
equivalent of your manual/handwritten signature for the application(s), any actions taken through our online banking services
related to an application, and this Agreement. By accepting this Agreement using any device, means, or action, you consent
to the legally binding terms and conditions of any application(s), this Agreement, and any other Communications. You further
agree that your E-Signature on any application(s), this Agreement, or any other Communications constitutes your acceptance
of such application(s), this Agreement, and any other Communications and is as valid as if you signed such application(s),
this Agreement, or any other Communications in writing and/or on paper. You also agree that no certification authority or
other third party verification is necessary to validate your E-Signature, and that the lack of such certification or third party
verification will not in any way affect the enforceability of your E- Signature or any resulting agreement between you and
First Tech. You are also confirming that you are authorized to enter into this Agreement. You further agree that each use,
agreement to, or acceptance of any document(s) equates to your E-Signature and constitutes your agreement to be bound by
the terms and conditions of those disclosures, documents, and this Agreement as they exist on the date of your acceptance
of the documents.
Consent to Electronic Delivery.

You specifically agree to receive, obtain, and/or submit any application(s), this Agreement, and any and all other
Communications electronically. You are acknowledging that you are able to use and are able to retain any application(s), this
Agreement, and any other Communications by printing and/or downloading and saving such application(s), this Agreement,
any other Communications. You accept Communications provided via email or other electronic means as reasonable and
F-00060 2549509 240520
firsttechfed.com | 855.855.8805 Page 1 of 4

proper notice for the purpose of fulfilling any and all rules and regulations, and agree that such Communications fully satisfy
any requirement that communications be provided to you in writing or in a form that you may keep.
Sometimes the law, our agreements, and our services with you require you to submit notices and Communications in writing.
You must still provide these notices and Communications to us on paper, unless we specifically tell you how you may deliver
a notice and/or Communication electronically.
Method of Providing Communications to You in Electronic Form.

All Communications that we provide to you in electronic form will be provided either :
1. Via e-mail;
2. By access to a web site that we will designate in an e-mail notice we send to you at the time the information is available;
3. To the extent permissible by law, by access to a web site that we will generally designate in advance for such purpose;
4. By access to our mobile application available to you through your cellular smart phone; or
5. By requesting you download a PDF file containing the Communication.
Paper Version of Electronic Communications.

You acknowledge and agree that you may request a paper version of Communications or other documents by printing or
saving a copy within the online service and by contacting First Tech at 855.855.8805.
Revocation of Electronic Delivery.

You have the right to withdraw your consent to receive Communications via electronic delivery at any time. You acknowledge
that you are aware this action may delay the process of reviewing your application(s).
If you wish to withdraw your consent to receive Communications via electronic delivery, you may do so by contacting us
at 855.855.8805. At our option, we may, but have no obligation to, treat your provision of an invalid email address or the
subsequent malfunction of a previously valid address or cancellation of participation in our online service as a withdrawal
of your consent to receive electronic Communications. Any withdrawal of your consent to receive Communications via
electronic delivery will be effective only after we have a reasonable period of time to process your withdrawal.
How to Update Your Records.

It is your responsibility to provide us with true, accurate, and complete email address, contact, and other information related
to this Agreement and your application(s), and to maintain and update promptly any changes in this information. You can
update such information by contacting us at 855.855.8805.
Hardware and Software Requirements.

You are responsible for installation, maintenance, and operation of your computer, smart cellular device, browser, and
software. First Tech is not responsible for errors or failures due to any malfunction of your computer, smart cellular device,
browser, or software. First Tech is also not responsible for viruses affecting your computer or smart cellular device or related
problems associated with use of an online system.
F-00060 2549509 240520

You must have the necessary hardware, software, and operating systems to access and use the following:
• Software which permits you to receive, access, display, and either print or store documents in Portable Document Format
(PDF), such as Adobe Reader.
• An email account with Internet service provider and e-mail software.
• Software which permits you to receive, access, display, and either print or store Communications received from us in
electronic form commonly used on the internet, including but not limited to, HTML.
Your acceptance of this Agreement indicates that you have access to software compatible with accessing PDF documents,
an email account capable of receiving Communications from First Tech, and the Internet.
You must also use one of the following web browsers that is capable of supporting 128-bit, SSL encrypted communications:
Desktop Browser Support
• Google Chrome – 2 most recent versions
• Microsoft Edge – 2 most recent versions
• Mozilla Firefox – 2 most recent versions
• Safari – 2 most recent versions
Mobile Browsers Support
• Chrome for Android – 2 most recent versions
• Mobile Safari for iOS Devices – 2 most recent versions
For additional information regarding our online service, please refer to the section titled “Desktop Browsers” and “Mobile
Browsers Support” on the Browser Support policy page (https://banking.firsttechfed.com/Authentication#/browser-support).
Violations.
1. It is a violation of this Agreement for an individual to sign/e-sign a transaction on behalf of another individual, unless they
have been granted specific, written and legal authority to do so by that individual or by a court of competent jurisdiction.
2. Failure by applicant(s) to report any suspected fraudulent activities related to E-Signatures immediately to First Tech is
also a violation of this Agreement.
3. Applicants who falsify E-Signatures or otherwise violate this Agreement may face criminal prosecution under applicable
Federal and State laws.
Communications in Writing.
All Communications in either electronic or paper format from us to you will be considered “in writing.” You should print or
download for your records a copy of this Agreement and any other electronic Communication that is important to you.
F-00060 2549509 240520

Federal Law.
You acknowledge and agree that your consent to electronic Communications is being provided in connection with a
transaction affecting interstate commerce that is subject to the Federal Electronic Signatures in Global and National
Commerce Act (“Act”), and that you and we both intend that the Act apply to the fullest extent possible to validate our
ability to conduct business with you by electronic means.
Termination/Changes.
We reserve the right, in our sole discretion, to discontinue the provision of your electronic Communications, or to terminate
or change the terms and conditions on which we provide electronic Communications, including any applicable discount for
receiving electronic Communications. We will provide you with notice of any such termination or change as required by law.
By Accepting This Agreement.

You acknowledge you understand and agree to each and all of the terms and conditions in this Agreement and that your
E-Signature is legally binding. You further acknowledge and agree that your computer or smart cellular device satisfies the
hardware and software requirements specified above and that you have provided us with a current e-mail address at which
we may send electronic Communications to you.
F-00060 2549509 240520

Rev: 04/2024
Privacy Notice
Effective Date: April 1, 2024
FACTS WHAT DOES FIRST TECH DO WITH YOUR PERSONAL INFORMATION?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit
Why? 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.
The types of personal information we collect and share depends on the product(s) or service(s) you have with us. This
information can include:
What? • Social Security number and account transactions.
• Payment history and account balances.
• Credit history and checking account information.
All financial companies need to share customers’ personal information to run their everyday business. In the section
How? below, we list the reasons financial companies share their customers’ personal information; the reasons First Tech
chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does First Tech share? Can you limit this sharing?
For our everyday business purposes — such as to process your
transactions, maintain your account(s), respond to court orders and legal Yes No
investigations or report to credit bureaus.
For our marketing purposes — to offer our products and services to you. Yes No
For joint marketing with other financial companies Yes Yes

For our affiliates’ everyday business purposes — information about
Yes No
your transactions and experiences.
For our affiliates’ everyday business purposes — information about
Yes Yes
your creditworthiness.
For our affiliates to market to you Yes Yes
For non-affiliates to market to you Yes Yes
• Visit firsttechfed.com and click on “Opt Out” in the bottom navigation bar (http://www.firsttechfed.com/OptOut).
• Call our Member Service Center toll free at 855.855.8805.
To limit
Please note: If you’re a new member, we can begin sharing your information 30 days from the date we send this
our sharing
notice. When you’re no longer our member, we continue to share your information as described in this notice.
However, you can contact us at any time to limit our sharing.
• Visit firsttechfed.com and click on “Opt Out” in the bottom navigation bar (http://www.firsttechfed.com/OptOut).
Select • Call our Member Service Center toll free at 855.855.8805.
communication
Please note: We may contact our existing members by email, mail or telephone to offer additional financial products
preference or services that we believe may be of interest to you. You may direct us not to send you such offers.
Questions? Call toll free at 855.855.8805 or visit firsttechfed.com.
F-00013 | 2546673 240226

Rev: 04/2024
Privacy Notice
Effective Date: April 1, 2024
Who We Are
First Technology Federal Credit Union, also doing business as Addison Avenue Investment Services, and the
Who is providing this notice? following affiliated companies (collectively “First Tech”) are covered by this notice: Addison Avenue Financial
Partners, LLC, DBA First Tech Insurance Services; DBA Member Network Insurance; and CU Digital Odyssey LLC.
What We Do
How does First Tech protect To protect your personal information from unauthorized access and use, we use federally compliant security
my personal information? measures. These measures include computer safeguards and secured files and buildings.
We collect your personal information, for example, when you:
• Open an account or use your credit or debit card.
How does First Tech collect
• Apply for a loan or give us your contact information.
my personal information?
• Make deposits or withdrawals from your account.
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.
“Why can’t I limit all sharing?” • Affiliates from using your information to market to you.
• Sharing for nonaffiliates to market to you.
• See below for more on your rights under state law.
What happens when I limit
sharing for an account I hold Your choice will apply to everyone on your account.
jointly with someone else?
Definitions
Companies related by common ownership or control. They can be financial and nonfinancial companies.
Affiliates • Addison Avenue Financial Partners, LLC, DBA First Tech Insurance Services and Member Network Insurance;
• CU Digital Odyssey LLC.
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
Nonaffiliates • Financial service providers such as insurance companies or mortgage brokers.
• Non-financial companies such as direct marketing companies.
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
Joint marketing
• Our joint marketing partners include investment, insurance, and other financial services companies.
Other Important Information

In addition to this Privacy Notice, our Online Privacy Statement (available at https://www.firsttechfed.com/Online/Privacy) explains how
we may collect, use and share information from or about you through our online and mobile sites. We encourage you review our Online Privacy
Statement thoroughly.
You may have other privacy protections under applicable state laws, including additional Opt Out rights. To the extent these state laws apply, we
will comply with them when we share information about you. Please review our Notice to Consumer of State Privacy Protections (https://www.
firsttechfed.com/state-consumer-privacy-notice) for more details on state-specific privacy protections.
For Nevada residents: We may contact our existing members by telephone to offer additional financial products that we believe may be of
interest to you. You have the right to opt out of these calls by adding your name to our internal do-not-call list. To opt out of these calls, please call
us toll free at 855.855.8805 or visit us online at firsttechfed.com and tell us your preference. We’re providing you this notice under Nevada state
law. In addition to contacting us, Nevada residents can contact the Nevada Attorney General for more information about your opt out rights by
calling 775.684.1100, emailing [email protected], or by writing to: Office of the Attorney General, Nevada Department of Justice, Bureau of
Consumer Protection 100 North Carson Street, Carson City, NV 89701-4717.
For Vermont residents: In accordance with Vermont law, we won’t share information we collect about you with companies outside of our
corporate family, except as permitted by law, including, for example with your consent or to service your account. We won’t share information
about your creditworthiness, but we may share information about our transactions or experiences with you within our corporate family without
your consent.

Membership and
Account Agreement
F-00011 240524
Membership and Account Agreement
TABLE OF CONTENTS
Foreword. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3
Part I. Notice of Claim, Arbitration and Waiver
of Class Action. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3
Part II. Membership Share Account Agreement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5
Section 1. General Terms and Conditions Applicable
to All Accounts. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5
Section 2. General Terms Regarding Account Ownership, Agents, Authorized Signers, and Beneficiary Designation
for All Accounts. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17
Section 3. General Terms Regarding Access, Transactions, Withdrawals, and Deposits to All Accounts . . . . . . . . . . . . . . . 24
Section 4. Payment of Dividends. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 31
Section 5. Terms and Conditions Applicable to all Share
Draft Accounts. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 31
Section 6. Substitute Checks and Your Rights. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 32
Part III. Electronic Fund Transfers (“EFTs”) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 33
Section 1. General Disclosures Applicable to All
Electronic Services. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 34
Section 2: Additional Disclosures Applicable to ATM
Cards and Debit Cards. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 38
Section 3: Additional Disclosures Applicable to Electronic Check Transactions. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 41
Section 4: Additional Disclosures Applicable to ACH Transactions. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 42
Section 5: Additional Disclosures Applicable to
Automated Telephone Banking Transactions. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 43
Part IV. Funds Transfer Agreement and Notice . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 43
Part V. Member Conduct and Limitation
of Services Policy. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 47
Part VI. Amendments and Modifications. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 47
F-00011 240524

MEMBERSHIP AND ACCOUNT AGREEMENT

Foreword
The purpose of this document is to disclose information, terms, conditions, and the various laws and regulations relating to your
account(s) to help you better understand your rights and obligations as a member of First Technology Federal Credit Union.
This Membership and Account Agreement is effective for all members as of August 1, 2024. For all new members who qualified
for membership between July 1, 2024 and July 31, 2024, such member shall have received and accepted notice and a summary of
changes at the time of qualifications regarding the pending changes in terms to this Membership and Account Agreement.
As of August 1, 2024, this Membership and Account Agreement supersedes any conflicting terms and conditions contained in any
prior versions or amendments. Throughout this agreement, the agreement is referred to as the “Account Agreement.”
Throughout this Account Agreement, the words “you,” “your,” and “yours” mean each and all of those (whether one or more persons)
who are subject to the Account Agreement as a result of signing or submitting an application and/or signature card for each
respective account. The words “we,” “us,” or “Credit Union” mean First Technology Federal Credit Union. The words “authorized
signer” mean a person who has your actual or apparent authority to transact business on your account(s), whether or not such
person has signed the business application, signature card, or other documentation for your business account(s).
This Account Agreement includes general terms and conditions that apply to both consumer and business accounts, but also has
specific designated provisions that only apply to consumer accounts and other designated provisions that only apply if you have
business accounts. For additional terms and conditions applicable to specific products and services please see relevant documents
on our Disclosures page on our website, including but not limited to, our Overdraft Policy Disclosure, Funds Availability Policy, and
Online Banking Agreement.
Part I. Notice of Claim, Arbitration, and
Waiver of Class Action
NOTICE OF CLAIM: Neither you nor the Credit Union may commence, join, or be joined to any judicial action or arbitration (as
either an individual or member of a class) that arises from the other party’s actions pursuant to this Account Agreement or that
alleges that the other party has breached any provision of, or any duty owed by reason of, this Account Agreement, until such
party has notified the other party of such alleged breach and afforded the other party a reasonable period after the giving of
such notice to take corrective action. Following such notice, you and the Credit Union agree that we shall attempt to informally
settle any and all disputes arising out of, affecting, or relating to your account(s), including loans (other than real estate-secured
loans), or the products or services the Credit Union has provided, will provide or has offered to provide to you, and/or any aspect of
your relationship with the Credit Union (hereafter referred to as the “Claims”).
If that cannot be done, then you agree that any and all Claims that are threatened, made, filed or initiated after the Effective Date
(defined below) of this Arbitration and Waiver of Class Action provision (“Arbitration Agreement”), even if the Claims arise out of,
affect or relate to conduct that occurred prior to the Effective Date, shall, at the election of either you or us, be resolved by binding
arbitration administered by the American Arbitration Association (“AAA”) in accordance with its applicable rules and procedures
for consumer disputes (“Rules”), whether such Claims are in contract, tort, statute, or otherwise. The Rules can be obtained on the
AAA website free of charge at www.adr.org; or, a copy of the Rules can be obtained at any Credit Union branch upon request. Either
you or we may elect to resolve a particular Claim through arbitration, even if one of us has already initiated litigation in court related
to the Claim by: (a) making written demand for arbitration upon the other party, (b) initiating arbitration against the other party, or
(c) filing a motion to compel arbitration in court. AS A RESULT, IF EITHER YOU OR WE ELECT TO RESOLVE A PARTICULAR CLAIM
THROUGH ARBITRATION, YOU WILL GIVE UP YOUR RIGHT TO GO TO COURT TO ASSERT OR DEFEND YOUR RIGHTS UNDER
THIS ACCOUNT AGREEMENT (EXCEPT FOR CLAIMS BROUGHT INDIVIDUALLY WITHIN SMALL CLAIMS COURT JURISDICTION,
SO LONG AS THE CLAIM REMAINS IN SMALL CLAIMS COURT). This Arbitration Agreement shall be interpreted and enforced in
accordance with the Federal Arbitration Act set forth in Title 9 of the U.S. Code to the fullest extent possible, notwithstanding any
state law to the contrary, regardless of the origin or nature of the Claims at issue. This Arbitration Agreement does not prevent you
from submitting any issue relating to your account(s) for review or consideration by a federal, state, or local governmental agency or
entity, nor does it prevent such agency or entity from seeking relief on your behalf.
1. Selection of Arbitrator: The Claims shall be resolved by a single arbitrator. The arbitrator shall be selected in accordance with the
Rules and must have experience in the types of financial transactions at issue in the Claims. In the event of a conflict between the
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Rules and this Arbitration Agreement, this Arbitration Agreement shall supersede the conflicting Rules only to the extent of the
inconsistency. If AAA is unavailable to resolve the Claims, and if you and we do not agree on a substitute forum, then you can select
the forum for the resolution of the Claims.
2. Effective Date: Unless you opt-out in accordance with the requirements of the RIGHT TO OPT-OUT provision below, this Arbitration
Agreement is effective upon the later of: (a) August 1, 2024 ; or (b) the sixty-first (61st) day after we initially provide it to you. Such ef-
fective date of this Arbitration Agreement is referred to as its “Effective Date”.
3. Claims Arising Prior to Effective Date: THIS ARBITRATION AGREEMENT APPLIES TO ALL CLAIMS THAT ARE FILED OR INITI-
ATED AFTER THE EFFECTIVE DATE, EVEN IF THE CLAIM ARISES OUT OF, AFFECTS, OR RELATES TO CONDUCT THAT OC-
CURRED PRIOR TO THE EFFECTIVE DATE. If a Claim is filed or initiated prior to the Effective Date, this Arbitration Agreement will
not apply to such Claim.
4. Arbitration Proceedings: The arbitration shall be conducted within fifty (50) miles of your residence at the time the arbitration is
commenced. Any claims and defenses that can be asserted in court can be asserted through arbitration. The arbitrator shall be
entitled to award the same remedies that a court can award, including public injunctive relief. Discovery shall be available for non-
privileged information to the fullest extent permitted under the Rules. The Arbitrator’s award can be entered as a judgment in court.
Except as provided in applicable statutes, the arbitrator’s award is not subject to review by the court and it cannot be appealed.
The Credit Union shall pay either $500, or if the applicable law of the state governing your account limits the amount of fees and
expenses to be paid by you, we will pay the amount of fees and expenses as established by this limitation, whichever is greater.
However, you will be responsible for your own attorney’s fees, unless you prevail on your Claim in the arbitration, in which case, we
will pay your attorney’s fees. However, if the Credit Union prevails, then you will not be required to pay our attorneys’ fees and cost.
Any determination as to whether this Arbitration Agreement is valid or enforceable in part or in its entirety will be made solely by the
arbitrator, including without limitation any issues relating to whether a Claim is subject to arbitration; provided, however, the enforce-
ability of the Class Action Waiver set forth below shall be determined by the Court.
5. Class Action Waiver: ANY ARBITRATION OF A CLAIM WILL BE ON AN INDIVIDUAL BASIS. YOU UNDERSTAND AND AGREE
THAT YOU ARE WAIVING THE RIGHT TO PARTICIPATE AS A CLASS REPRESENTATIVE OR CLASS MEMBER IN A CLASS ACTION
LAWSUIT.
6. Severability: In the event that the Class Action Waiver in this Arbitration Agreement is found to be unenforceable for any reason, the
remainder of this Arbitration Agreement shall also be unenforceable. If any provision in this Arbitration Agreement, other than the
Class Action Waiver, is found to be unenforceable, the remaining provisions will remain fully enforceable.
7. Survival: This Arbitration Agreement will survive termination of the Account Agreement.
8. Right to Opt-Out: You have the right to opt-out of this Arbitration Agreement, provided you notify the Credit Union of your intent
to do so prior to the Arbitration Agreement’s Effective Date. Your opt-out is only effective if you notify the Credit Union in writing at
PO Box 2100, Beaverton, OR 97075-2100 within such time period prior to the Effective Date, which is a minimum of sixty (60) days
in length. If you fail to opt-out prior to the Effective Date, you will be deemed to have consented to the resolution of your Claims
through binding arbitration. In the event you opt out, it shall not affect other terms and conditions of your Account Agreement or your
relationship with the Credit Union.
9. Amendment/Termination: We reserve the right to amend or terminate this Arbitration Agreement, provided that we notify you
in writing at least thirty (30) days prior to such amendment or termination taking effect. Notwithstanding anything in the Account
Agreement to the contrary, any amendment or termination of this Arbitration Agreement shall not apply to Claims that arise out of,
affect, or relate to conduct that occurred prior to the effective date of such amendment or termination.
FOR MORE DETAILS or if you have questions, you may call us or visit a branch. If you have questions about AAA procedures, you
should check AAA’s website, www.adr.org, OR call AAA at 800.778.7879.
Part II – Membership Share Account Agreement

Section 1. General Terms and Conditions Applicable to All Accounts
Subsection A - Opening and Maintaining Accounts
1. You must be and remain a member in good standing (as described in Part V below) to maintain any account and your membership
with the Credit Union.
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2. In order to become a member, you must (a) be an individual or entity qualifying within our field of membership and (b) open and
maintain a membership share account into which you must deposit and maintain a minimum of $5 in good, valid, and settled
funds to fund your member share. The par value of a member share in this Credit Union is $5. To protect your membership,
we may limit access to your initial par value balance. If you fail to complete the funding of one (1) share upon your admission to
membership, or if you reduce your membership share account balance below the par value of one (1) share and do not increase
the balance to at least the par value of one (1) share within one (1) month of the reduction, you may be terminated from member-
ship.
As a benefit to using or obtaining certain products or services, the Credit Union may in its sole discretion elect to fund your
member share on your behalf. In the event your member share account is closed by you or the Credit Union within 30 days of
first opening such account, you agree that you forfeit to the Credit Union the value of any member share funded by the Credit
Union.
If you are the account owner of a membership share account and such account is closed, to maintain your membership status and
retain the rights and privileges of a member you must establish a new membership share account to include depositing the then
current par value amount of one (1) share. If you fail to establish the new membership share account in your name within thirty (30)
days of the closing of the previous membership share account, you may not be able to access your membership share account(s)
and you will not be able to access any available credit on a credit card, credit line, and/or other loan.
3. As required by law, the identity of each person seeking to open an account (including joint owners) must be verified, and we must
maintain records of the information used to verify each person’s identity. We are required to collect name, physical address, identi-
fication number, and date of birth. We may request additional information that will allow us to identify you. The law requires that we
also verify the identities of certain beneficial owners or controlling parties for business accounts; you agree to provide us with any
information requested regarding beneficial owners of business accounts and certify their accuracy upon request by us. We may
deny membership, decline to open an account, or close an account if we are prohibited from opening or maintaining the account
under applicable law or if we are unable to satisfactorily verify any account owner or beneficiary’s identity.
You will promptly notify us of any change of ownership of any business maintaining an account with us, or any change of an au-
thorized signer. We may require a new business application or signature card for the business and documentation supporting the
change of ownership or change in any authorized signer. You will cooperate with us to document any change in ownership or
change of an authorized signer. We may restrict access to the account until documentation satisfactory to us is received and shall
incur no liability for any such restriction.
4. In addition to providing us with your name, physical address, phone number, and date of birth, we will require you to provide us with
current government-issued picture identification and a Social Security Number (“SSN”) or Employer Identification Number (“EIN”)
(generically referred to as a “Taxpayer Identification Number” or “TIN”). We will further require you to certify (confirm) for IRS report-
ing purposes that the TIN matches the name and address, and indicate whether you are currently subject to backup withholding and
whether you are a U.S. citizen or U.S. person. If the IRS indicates that there is a problem with the name and number provided by you
for the account or otherwise notifies us, your account may become subject to backup withholding, which will require us to withhold
and pay a portion of the dividends, interest or other payment to the IRS. Upon the death of the primary owner, we must be provided
with the estate’s or successor’s TIN or we may either refuse to pay dividends earned on the account since the date of the death or
withhold a portion of the dividends that have been earned on the account since the date of the death.
5. Our relationship with you concerning your account is that of debtor and creditor; no fiduciary, quasi-fiduciary, or special relationship
exists between us and you.
6. We may change our bylaws and any term of this Account Agreement. This includes, without limitation, making changes to your
accounts and services, the related fees, rates, balance and rate computation methods, as well as discontinuing or replacing such ac-
counts and services at our discretion, and making changes to further clarify the terms of our products and services. We also reserve
the right to amend other forms and/or disclosures provided to you in connection with your account. We can close any account if your
membership in the Credit Union terminates, or for any reason specified in the Limitation of Services and Termination of Member-
ship Corporate Policy adopted by the Credit Union and posted on our website, as such policy is amended or modified from time
to time, by giving reasonable notice to you and tender of the account balance personally or by mail. Items presented for payment
after the account is closed may be dishonored. When you close your account, you are responsible for leaving enough money in the
account to cover any outstanding items and charges to be paid from the account. By opening and maintaining a membership share
account with us, you agree that twenty-one (21) days is considered reasonable advance notice prior to account closure. However,
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you also agree that reasonable notice depends on the circumstances, and in some cases (such as when we cannot verify your iden-
tity or we suspect fraud or other illegal activity), it may be reasonable for us to give you notice after the change or account closure
becomes effective. For instance, if we suspect fraudulent activity with respect to your account, we may immediately freeze or close
your account and then give you notice. At our option, we may suspend your rights to member services if you violate the terms of this
Account Agreement or the provisions of the Limitation of Services and Termination of Membership Corporate Policy adopted
by the Credit Union and posted on our website, as such policy is amended or modified from time to time. If we have notified you of a
change in any term of your account and you continue to have your account after the effective date of the change, you have agreed
to the new term(s).
If we make changes to certain terms required to be disclosed under the Federal Truth in Savings Act, we will provide you thirty (30)
days prior written notice.
The Funds Availability Policy is subject to change upon thirty (30) days written notice.
If you have an account with us through which Electronic Funds Transfers (“EFTs”) are being processed, we may provide notice of a
change in terms regarding the processing of or operations regarding EFTs at least twenty-one (21) days prior to the effective date of
the change(s), or as otherwise provided by law.
We reserve the right to refuse to open any account, to provide any service in connection with an account, or to accept additional
deposit(s) to an existing account.
7. All accounts are subject to the Fee Schedule/Sheet, which is incorporated by this reference. We will debit such charges against any
account you own (including account(s) on which you are a joint owner), except your IRA or share certificate accounts, without prior
notice to you. Only fees related to an IRA will be deducted from an IRA. If sufficient funds are not available, the charges are due im-
mediately and, for share draft account(s), will be treated as an overdraft.
8. To the extent permitted by law, you waive any notice of non-payment, dishonor, or protest regarding any items credited to or
charged against your account(s). For example, if you deposit an item and it is returned unpaid or we receive a notice of non-pay-
ment, we do not have to notify you unless required by federal regulation or other applicable law.
9. We may change your account to another product offered by us at any time by giving you notice that your account will be changed
to another product on a specified date. If your account is a time deposit account, the change will not occur before the next maturity
date of your account. If you do not close your account before the date specified in the notice, we may change your account to that
other product on the date specified in the notice.
Subsection B - Operation of Accounts
1. Member account(s) in this Credit Union are federally insured by the National Credit Union Share Insurance Fund.
2. No account(s) (except share draft accounts) are transferable.
3. You may be required to request changes to your account(s) in writing. We are not required to act upon instructions received by
facsimile, and we have the right to require additional information from you before we act on any request. We shall have no liability
or responsibility to you or to your heirs, executors, assignees, or representatives when acting upon the reasonable interpretation of
your requests.
4. We may refuse to follow any of your instructions, accept any deposit, or process any transaction, that in our sole judgment are illegal,
fraudulent, inconsistent with our policies (or those of any of our third party processors), or would expose us to potential liability. Al-
ternatively, we may require adequate security or invoke other security measures to protect us from all losses and expenses incurred
if we follow your instructions. You agree to reimburse us for any damages, losses, liabilities, expenses, and fees (including, but not
limited to, reasonable attorney’s fees) that we incur in connection with your account if we take an action in accordance with your, or
what purports to be your, oral, written, or electronic instructions.
5. There are many reasons why we may decline or prevent transactions to or from your account, but we generally do it to protect you
or us, or to comply with legal requirements. We may decline or prevent any or all transactions to or from your account. We may
refuse, freeze, reverse or delay any specific withdrawal, payment or transfer of funds to or from your account, or we may place an
administrative hold on funds in your account pending investigation, including one or more of the following circumstances: (a) your
account is involved in any legal or administrative proceeding; (b) we receive conflicting information or instructions regarding account
ownership, control, or activity; (c) we suspect that you may be the victim of fraud, scam, or financial exploitation, even though you
have authorized the transaction(s); (d) we suspect that any transaction may involve illegal activity or may be fraudulent; (e) we are
complying in our sole judgement, with any federal or state law or regulation, including federal asset control and sanction rules, and
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anti-money laundering rules, and/or with our policies adopted to ensure that we comply with those laws; or (f) we reasonably believe
that doing so is necessary to avoid a loss or reduce risk to us. We may also limit cash deposits to, or withdrawals from, any of your
accounts, or who may make deposits, in order to reduce risk and/or allow us to comply with applicable law. We will have no liability
for any action we take under this section.
6. If there is a dispute between any person and/or private or government organization over your account or the funds in any of your
accounts, or we are uncertain who is entitled to access an account or the funds in any of your accounts, including, but not limited to,
disputes between or relating to joint owners, payees, trust account beneficiaries, business owners, association or business directors,
members, or trustees, or a payable on death account, you agree that we may, without liability to you or your beneficiaries and in our
sole and absolute discretion, take one or more of the following actions: (a) restrict the account and deny access to all until such time
as the conflicting claims are resolved to our satisfaction; (b) close the account and send the funds to the owner or owners of the ac-
count, according to our records, at the statement mailing address; (c) interplead (that is, deposit with a court) all or any portion of the
funds from an account into an appropriate court for resolution; or (d) restrict access to the account until our receipt of either written
instructions as to the distribution of funds signed by all affected parties or an order from a court of proper jurisdiction authorizing or
directing us to distribute the funds. We may charge your account for expenses (including attorney’s fees and expenses) and fees we
incur.
7. We may recognize the signature of anyone who signed an application or signature card as authorized to transact business on that
account. Any payment made on your account(s) by us in good faith and in reliance on the terms and conditions of this Account
Agreement, the application, and/or a signature card will be valid and discharge us from liability. You agree that any instruction to
permit withdrawal only upon the signature of two or more authorized signers or agents is for your internal use and benefit only and
will not be binding on us. You agree that we will not be liable for any lack of signatures so long as the instructions contain the signa-
ture of or have been authorized by at least one authorized signer. Without limitation to the foregoing, we may honor checks drawn
against your account by authorized signers, even if the checks are made payable to them, to cash or for deposit to their personal
accounts. We have no duty to investigate or question withdrawals or the application of funds. In addition, if we receive written notice
from any account owner or authorized signer that withdrawals, in accordance with the terms of the account, should not be permitted,
we may refuse, without liability, to pay any sums on deposit pending determination of the rights of the owners. Such written notice(s)
will become effective only upon receipt and after we have had a reasonable opportunity to act thereon; however, our release of
amounts to an account owner or authorized signer despite any inconsistent instructions from another account owner or authorized
signer shall not result in liability for us.
8. If you maintain business account(s) with us, we may offer you services to assist you in mitigating the risk of fraud on your account,
such as positive pay, Automated Clearing House (“ACH”) fraud filters and electronic transaction authorization services. We may also
recommend you implement specific fraud protection measures, as a best practice. If we expressly recommended in writing that you
use a specific fraud protection service we offer, and you either: (a) fail to use the recommended fraud protection service or measure;
or (b) fail to use the recommended fraud protection service or measure in a manner that is consistent with written documentation
provided to you, you will be treated as having assumed the risk of any losses that could have been prevented if you had used the
recommended fraud protection service or measure in accordance with applicable documentation.
9. If you maintain business account(s) with us, to the extent that you maintain insurance coverage for employee fraud and/or em-
bezzlement, we reserve the right to require you to file a claim with your insurance company before you make any claim related to
employee fraud or embezzlement against us. In such event, we will only consider your claim after we have reviewed your insurance
company’s decision, and our liability to you, if any, will be reduced by the amount your insurance company pays you.
10. If the name in which the account is held is fictitious, each account holder represents that one or more of the account holders have
the right to use that name and have fulfilled all legal requirements for using and or doing business under that name.
11. CROSS COLLATERALIZATION. To the extent permitted by law, you acknowledge all collateral securing loan(s) that you have with us
now and in the future, including any type of change or increase, and any proceeds from the sale of such collateral and of insurance
thereon, shall also secure all loans, debts, and other obligations (including membership share accounts with a negative balance),
plus any interest thereon, that you owe us. This security interest in collateral securing other loan(s) does not apply to real estate-
secured loan(s).
12. You acknowledge that we may setoff against any individual and joint accounts you own with us (including matured and un-matured
certificates) any obligation you owe to us at any time and for any reason as allowed by the laws governing your account.
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Additionally, to secure your performance under this Account Agreement, as well as any other obligations or agreements you may
have with us, you grant us a consensual lien on and security interest in any individual and joint accounts held with us to also secure
such obligations. These obligations include, but are not limited to, share accounts with a negative balance, secured and unsecured
debts, and any other amounts you owe individually or jointly with someone else. You hereby acknowledge that we can consider this
Account Agreement as your consent to our asserting a security interest or exercising a right of setoff should any laws require your
consent. The rights granted in this paragraph are in addition to and apart from any other rights, including any other security interest
that you may have granted to us, any statutory lien, contractual right of setoff, or equitable right of setoff.
In addition to the equitable and contractual right to setoff and consensual lien, we also have the right to claim a federal “statutory
lien” on your individual and joint accounts, which is provided for the benefit of credit unions in section 1757(11) of the Federal Credit
Union Act. A “statutory lien” is one created by federal or state statute. This “statutory lien” on your account provides us with a lien on
your individual and joint accounts, as well as dividends, as security to generally pay any obligation you owe us. We hereby exercise
our right to this “statutory lien”, and any other “statutory lien”, and you hereby agree that we can enforce any “statutory lien” without
providing you or any other joint account owner any prior further notice.
None of the rights provided for in this section shall apply to your account(s) if prohibited by law. You further acknowledge and agree
that we may exercise any lien or setoff rights without prior notice to you or any joint account owner.
We will not be liable for the dishonor or rejection of any transaction including, but not limited to, a check or draft resulting from there
being insufficient funds in your account when the dishonor or rejection occurs because we previously exercised our rights under
this Account Agreement to charge and deduct amounts you owe us from your account(s). You agree to hold us harmless from any
claim arising as a result of our exercise of our rights under this Account Agreement. If we choose not to immediately enforce our lien
or exercise our setoff rights, we do not waive our right to do so at a later time.
Subsection C - Notifications and Records
1. You can contact us by telephone toll-free at 855.855.8805 Monday through Friday or in writing at PO Box 2100, Beaverton, OR
97075-2100 or by visiting a branch about your account(s) and services, including (but not limited to) the following:
a. Change of Address
b. Opt Out of Arbitration
c. Revoke Consent to Automatic Telephone Dialing or Artificial Voice or Prerecorded Messages
d. Lost or Stolen Checks
e. Lost or Stolen Access Device/PIN
f. Lost or Stolen Card
g. Questions about Electronic Services
h. Overdraft Opt Out
i. Direct Deposit Confirmation or Stop Payment
j. General Account Information / Opening and Closing Accounts
2. Except as expressly provided otherwise in this Account Agreement, we will mail, send electronically, or otherwise make available to
you, your periodic statements, notices, and other information regarding your account (collectively “Account-Related Information”) to
the postal or electronic address of the owner as reflected in our records for your account. If there is more than one owner on your
account, we may send Account-Related Information to any one of them. If your account is in a combined statement, your statement
will be sent to the address associated with the membership share account in the combined statement. Mailed Account-Related
Information will be deemed to have been delivered the second business day following the day it was mailed. Account-Related Infor-
mation made available electronically will be deemed to have been delivered when we make it available to you.
You will exercise reasonable care and promptness in examining your statements. You must promptly notify us of, and reimburse us
for, any erroneous credit to your account. Within thirty (30) days after we mail or otherwise make statements available to you, you
must notify us of any claim for credit or refund due to an error or unauthorized transaction (unless the unauthorized transaction is
the result of an electronic fund transfer from a consumer account, then the provisions of the Electronic Services Agreement and
Disclosure included at Part III of this Account Agreement will apply); however, if the transaction is an ACH credit or debit ACH to or
from your business account, you understand you must notify us immediately of an unauthorized transaction. For purposes of this
Account Agreement, an unauthorized transaction is a transaction that was not authorized by you. However, if you provided some-
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one authorization to transact on your account, any transaction by that person is considered authorized even if he or she exceeded
any authority you provided. An unauthorized transaction includes but is not limited to an erroneous or unauthorized debit. It might
include a missing signature, an unauthorized signature, an alteration, or otherwise a transaction that was not authorized by you or
someone you authorized.
If you fail to notify us of any error or unauthorized transaction within sixty (60) days after we send or make available the statement
for the period during which the error or unauthorized transaction occurred, you understand and agree that you are precluded from
asserting the error or unauthorized payment against us, even if we failed to exercise reasonable care, if: (a) we suffer a loss on the
item because of your failure; or (b) we pay on another item presented by the same wrongdoer if the payment was made before you
properly notified us.
3. In order for us to service your account or to collect any amounts you owe, you agree that we may from time to time make calls and/
or send text messages to you at any telephone number(s) associated with your account, including wireless telephone numbers that
could result in charges to you. The manner in which these calls or text messages are made to you may include, but is not limited to,
the use of prerecorded/artificial voice messages and/or an automatic telephone dialing system. You further agree that, in order for
us to service your account or to collect any amounts you owe, we may send emails to you at any email address you provide to us.
You may revoke this consent at any time by using reasonable means to notify us.
4. Unless otherwise prohibited by the laws governing your account, if Account-Related Information documents are returned, or, in the
case of online statement email notifications, the email notice is returned undeliverable, we may place a mail hold or restriction on
your account. This means we may discontinue sending and may destroy Account-Related Information sent to you until you provide a
valid postal or electronic address to us.
5. To provide you with the best possible service in our ongoing business relationship for your membership, accounts, products, and
any other relationship you may have with us (the “Relationship”), we may need to contact you about your Relationship from time to
time by telephone, text messaging, or email. However, we must first obtain your consent to contact you about your Relationship in
compliance with applicable consumer protection provisions in the federal Telephone Consumer Protection Act of 1991 (“TCPA”),
Controlling the Assault of Non-Solicited Pornography And Marketing (“CAN-SPAM”) Act, and their related federal regulations and
orders issued by the Federal Communications Commission (FCC).
Your consent is limited to your Relationship, and as authorized by applicable law and regulations. With the above understandings,
you authorize us to contact you regarding your Relationship throughout its existence using any telephone numbers or email ad-
dresses that you have previously provided to us by virtue of an existing business relationship or that you may subsequently provide
to us. This consent is regardless of whether the number we use to contact you is assigned to a landline, a paging service, a cellular
or wireless service, a specialized mobile radio service, other radio common carrier service, or any other service for which you may
be charged for the call. You further authorize us to contact you through the use of voice, voice mail, and text messaging, including
the use of pre-recorded or artificial voice messages and an automated dialing device. Calls and messages may incur access fees
from your service provider. If necessary, you may change or remove any of the telephone numbers or email addresses, or any con-
sent given under this paragraph at any time using any reasonable means to notify us.
6. Any written notice you give to us is effective when it is actually received by us. Any written notice we give to you is effective on the
date we deposit such notice in the U.S. Mail, postage prepaid, and addressed to you at your statement mailing address, or, if you
have agreed to receive notices from us in an electronic format, any notice we give to you is effective on the date we make the notice
available to you in electronic format.
7. Notice to any one account owner is considered notice to all owners of the account. However, we will generally provide statements
and other account notices to the primary member on the account; the primary member is the account holder listed first on the appli-
cation, signature card, or our system. A non-primary member may request a copy of statements at any branch, through our contact
center, or through our online banking website or mobile app (“Online Banking”).
8. You agree to notify us promptly of any change of address, telephone number, email address, or your name. In the event that you fail
to notify us of an address change, a fee may be assessed to your account for the actual cost of a necessary locator service paid to a
person or business normally engaged in providing such service and incurred in determining your address. This fee will be set forth
in the Fee Schedule/Sheet. In addition, items returned to us because of an incorrect address may be subject to a returned mail fee.
This fee will be set forth in the Fee Schedule/Sheet.
9. You agree to notify us immediately of the death or court-declared incompetence of any owner of your account. You agree to inform
each owner of your account of the obligation to notify us of such an event as well. If you die or are declared legally incompetent, we
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can continue to accept and collect items deposited to your account until we know of your death or adjudication of incompetency
and have a reasonable opportunity to act.
10. You understand and agree that we must comply if we are served with any facially valid notice of garnishment or of attachment, tax
levy (including without limitation, any “notice of levy”), withholding order, injunction, restraining order, search warrant, government
agency request for information, forfeiture, seizure, subpoena, or other legal process relating to your account that we know or other-
wise believe in good faith is valid, whether served in person, by mail, or by electronic notification, at any Credit Union branch. You
authorize us not to contest any such facially valid notice of legal process and understand that we are under no obligation to notify
you of the legal process unless required by applicable law and will not notify you if prohibited by law. You agree that you must con-
test any such legal process or our compliance with it directly with the third party issuing the legal process, and not with us. We may
charge a fee, as set forth in the Fee Schedule/Sheet, and we may assess this fee against any account you maintain with us, includ-
ing the account that is the subject of the legal process. You understand and agree that if a facially valid subpoena or legal process
requires us to release information about an owner on an account, we must comply with such request and the information released
pursuant to such subpoena or legal process may include information about other owners on the account, even if their information
was not expressly requested by the subpoena or legal process. If we are not fully reimbursed for our record research, photocopy-
ing, and handling costs by the party that served any legal process, we may charge such costs to your account. You understand and
agree that funds we hold or set aside in response to legal process will not earn dividends. You agree to indemnify, defend, and hold
us harmless from all actions, claims, liabilities, losses, costs, and damages associated with our compliance with any process that we
know or otherwise believe in good faith to be valid.
11. You authorize us to gather whatever credit, checking account, and employment information we consider appropriate from time to
time, including obtaining your credit report for legitimate business purposes. You understand that this will assist us, for example, in
determining your initial and ongoing eligibility for your account and/or in connection with making future credit opportunities available
to you. You authorize us to give information concerning our experiences with you to others.
12. You acknowledge and agree that we may, at our option, create and retain electronic copies of original account records and any
other records, and thereafter dispose of the originals. You further agree that electronically scanned and stored images of records
will have the same effect as the original records
13. We agree to retain and furnish to you, if requested, photocopies of certain records pertaining to your account and that these
records will be available to you for the time period required by law.
14. All account owners, individually for single-member accounts and jointly and severally for joint or multiple-member accounts, are lia-
ble for all transactions, changes, additions, or closure of an account or service, and for any charges, fees, losses, or liabilities incurred
for any transaction, change, addition, or closure of an account or service regardless of which owner conducted or benefited from the
transaction, change, addition or closure. If any owner owes us money for any reason, we may enforce our right of setoff against all
funds in any account on which that person is an owner, regardless of which owner deposited the funds in the account.
15. We will maintain the confidentiality and privacy of your account information in accordance with our privacy notices and policies. We
may treat all or any joint account owners, pay on death beneficiaries after the death of all account owners, successor trustees, or
administrator of the estate of an individual who died while an account owner as an Owner for the purposes for accessing histori-
cal information (including statements and transaction information) about your accounts. We will disclose information to third parties
about your account or transfers you make in the following circumstances:
a. When it is necessary to complete a transaction, including an electronic transaction;
b. In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant;
c. In order to comply with a government agency, court order, or any legal process;
d. To persons authorized by law in the course of their official duties;
e. To our employees, auditors, service providers, attorneys, collection agents, in the course of their duties;
f. If you give us permission in writing; or
g. As explained in our separate privacy notices and policies.
Subsection D - Closing Accounts, Disputes, and Restrictions on Services
1. We may place an administrative hold on the funds in your account (refuse payment or withdrawal of the funds) if it becomes subject
to: (a) a claim adverse to your own interest; (b) others claiming an interest as survivors or beneficiaries of your account; or (c) a claim
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arising by operation of law. The hold may be placed for such period of time as we believe reasonably necessary to allow a legal pro-
ceeding to determine the merits of the claim or until we receive evidence satisfactory to us that the dispute has been resolved. We
will not be liable for any items that are dishonored as a consequence of placing a hold on funds in your account for these reasons.
2. We or you may close any of your account(s) at any time. If you would like to close any of your accounts with us, you must provide
us with written notice. If an account is closed, we may send the collected balance on deposit in your account less any fees, claims,
setoffs, or other amounts you are responsible for, by regular mail to your most recent address shown in our records. Items presented
for payment after the account is closed may be dishonored. We may require you to close your account and apply for a new account
if: (a) there is a change in owners or authorized signers; (b) there has been a forgery or fraud reported or committed involving your
account; (c) there is a dispute as to the ownership of the funds in your account; (d) any checks are lost or stolen; or (e) we deem it
necessary in order to prevent a loss to us. If, after we close your accounts, we receive a debit or credit to your closed account, we
may reopen the account to apply the credit or debit. If you owe us any unpaid amount(s) under this Account Agreement or loan with
us, any credited amount is subject to any and all setoff rights under this Account Agreement and our statutory lien.
3. You understand and agree that we may terminate account products at our option without written notice to you. We may also sus-
pend offering account products from time to time at our discretion without notice to you.
4. You agree that you will not use your account(s) or our services, including any cards we issue to you, to conduct any illegal transaction
or engage in any activity that is illegal under local, state, or federal law. Restricted transactions are prohibited from being processed
through your account or banking relationship with us. “Restricted transactions” are transactions involving the knowing transmittal or
receipt of credit, funds, checks, instruments, or other proceeds to or from another person engaged in the business of wagering or
betting in connection with unlawful internet gambling. If you do engage in an internet gambling business and open a new account
with us, we will ask that you provide evidence of your legal capacity to do so.
5. You understand and agree that if you are not a member in good standing (as described in Part V below), we may limit your access to
member services and products or in some instances even terminate your membership.
Subsection E - Additional General Terms
1. You agree that your telephone communications with us may be monitored and recorded to improve member service and secu-
rity.
2. You agree by providing us with a telephone number, including for a cellular phone, other wireless, or digital device, you are express-
ly consenting to receive communications, including, but not limited to: prerecorded or artificial voice message calls, text messages/
SMS, push notifications and calls made by an automatic telephone dialing system, from us and our affiliates and agents at any num-
ber you have provided to us. This consent applies to all contact numbers you provide to us, now or in the future, even if the nature
of the device changes and for any purpose, such as to notify you of suspected fraud, or to service or collect amounts owed on your
account(s). Calls and messages may incur access fees or other data charges from your service provider.
3. You understand that you may elect from time to time to use Credit Union or other parties’ social media tools and sources; that there
is no claim of privacy or privilege regarding information you share or information discernible from such use or sharing; and the use of
such information by us does not violate your privacy or other rights.
4. Our delay in enforcing any of the terms and conditions of this Account Agreement will not prohibit us from enforcing such terms and
conditions at a later date. Any waiver by us shall not be deemed a waiver of other rights or of the same rights at another time. You
hereby waive diligence, demand, presentment, protest, and notice of every kind, except as set forth in this Account Agreement.
5. If a disaster occurs there may be an unforeseen delay in our ability to make funds available and to process deposits or otherwise
perform under this Account Agreement. In addition to natural disasters, the failure of communication or computer systems can also
cause unforeseen delays.
6. An action or proceeding by you to enforce an obligation, duty, or right arising under this Account Agreement or by law with respect
to your account(s) or any account service, or any other aspect of your relationship with us, must be commenced within either: (1) one
year after the cause of action accrues, or (2) the minimum amount of time that can be contractually agreed to under applicable law,
whichever is greater. If you have failed to examine your statement and report any unauthorized item one (1) year or more after your
statement or the item has been made available to you, you cannot recover from us even if we failed to exercise ordinary care in pay-
ing the item.
7. Except as otherwise provided above in Part I, if any of the provisions of this Account Agreement are determined to be void or invalid,
the remainder of the Account Agreement shall remain in full force and in effect.
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8. You agree to pay our costs of collection, including reasonable attorney’s fees and court costs, with regard to any check drawn on us
by you or any item you deposit with us that causes us to incur a loss.
9. You acknowledge that we may be obligated to report cases of actual or suspected financial abuse of elders or dependent care
adults. If we suspect such financial abuse, you understand and agree that, in addition to reporting such abuse as may be required
by applicable law, we have the right to restrict access to the account, refuse to complete transactions on the account, or to take any
other action(s) that we deem appropriate under the circumstance(s). You agree to indemnify and hold us harmless from and against
any and all claims, damages, losses, liabilities, expenses, and fees (including reasonable attorney’s fees), arising out of or related to
any action(s) or inaction(s) related to the matter(s) described in this paragraph.
10. You agree to indemnify, defend, and hold the Credit Union, its affiliates, officers, directors, employees, consultants, agents, service
providers, and licensors, harmless from and against any and all claims, demands, actions, costs, losses, liability, expenses, and fees
(including, without limitation reasonable attorney’s fees, collection costs, skip-tracing fees, and outside services fees) which we incur
by acting in accordance with this Account Agreement or as a result of your failure to abide by its terms, including but not limited to
those arising from:
a. A third party claim, action, or allegation of infringement, misuse, or misappropriation based on information, data, files, or other
materials submitted by you to us;
b. Any fraud, manipulation, or other breach of this Account Agreement by you;
c. Your violation of any law or rights of a third party; or
d. Your provision of access to your account(s), services, or electronic services to any third party.
11. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemni-
fication by you, in which event you will cooperate with us in asserting any available defenses. You will not settle any action or claims
on our behalf without our prior written consent. This indemnification is provided without regard to whether the Credit Union’s claim
for indemnification is due to the use of accounts or the electronic services by you or a joint account owner or other authorized per-
son.
12. YOU UNDERSTAND AND AGREE THAT WE WILL NOT BE LIABLE FOR ANY INCIDENTAL, CONSEQUENTIAL, SPECIAL, INDI-
RECT, OR PUNITIVE DAMAGES IN ANY CLAIM OR ACTION ARISING FROM THIS ACCOUNT AGREEMENT, REGARDLESS OF
WHETHER YOU HAVE ADVISED US OF THE POSSIBILITY THAT YOU MAY INCUR SUCH DAMAGES.
13. You understand and agree that accounts and electronic services are provided “as-is.” Except as otherwise provided in this Account
Agreement or as required by law, the Credit Union assumes no responsibility for the timeliness, deletion, mis-delivery, or failure to
store any communications, personalizations, or electronic settings. You understand and expressly agree that the use of electronic
services is at your sole risk, and that any material and/or data downloaded or otherwise obtained through the use of electronic ser-
vices is downloaded or obtained at your own discretion and risk, and that you will be solely responsible for any damages, including
without limitation damage to your computer system or mobile device or loss of data that results from the download or the obtaining
of such material and/or data.
14. Except as expressly set forth in this Account Agreement, the Credit Union disclaims all warranties of any kind, express or implied,
including without limitation any warranty of merchantability, fitness for a particular purpose, or non-infringement of intellectual prop-
erty or third party rights, regarding its services, including electronic services. The Credit Union makes no warranty or representation
regarding the results that may be obtained from the use of electronic services, the accuracy or reliability of any information obtained
through electronic services, the accuracy of any information retrieved by you from the accounts or that the electronic services will
meet any user’s requirements, be uninterrupted, timely, secure, or error free.
15. In the event of wrongful dishonor that occurs by mistake, our liability shall be limited to actual damages. The measure of damages
for failure to exercise ordinary care in handling a check is the amount of the item reduced by an amount that could not have been
realized by the use of ordinary care.
16. You may not assign this Account Agreement to any other party. The Credit Union may assign this Account Agreement at any time in
its sole discretion. The Credit Union may also assign or delegate any of its rights and responsibilities under this Account Agreement
to independent contractors or other third parties.
17. Headings in this Account Agreement are for convenience only and will not control or affect the meaning or construction of any of the
provisions of this Account Agreement.
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18. This Account Agreement as well as all of your membership share account(s) will be interpreted and subject to applicable federal law
(including, but not limited to, federal laws and regulations applicable to the Credit Union as a federally chartered credit union) and, to
the extent not preempted by such applicable federal law, the la ws of the state in which the office of the Credit Union that maintains
your account is located, without resort to the state’s conflicts of law rules and to the extent that state law is not inconsistent with fed-
eral law. If you were not physically present at a branch office of the Credit Union when you opened your account (for example, the
account was opened by phone, through the mail, by mobile phone application, or over the Internet), your account will be governed
by the laws of the state of California, unless we notify you in writing that your account has been assigned to a particular branch of-
fice, in which case the laws of that state where such branch office is located will govern your account. Except as set forth in Part I,
you agree that any claim or dispute you may have against us arising from or related to this Account Agreement shall be subject to
the exclusive jurisdiction of and venue in the state or federal courts located in whose laws govern this Account Agreement.
19. State law establishes procedures under which unclaimed property must be surrendered to the state. In general, the funds in your
membership share account will not be considered unclaimed, if, during the period designated under state law, you have communi-
cated with us regarding your account or conducted any activity on the account. To recover funds turned over to the state, you must
file a claim with the state. Once funds are surrendered to the state, we no longer have any liability or responsibility with respect to
the funds
20.We may charge a fee for inactive or dormant account(s) as set forth in the Fee Schedule/Sheet.
Section 2. General Terms Regarding Account Ownership, Agents, Authorized Signers, and Beneficiary
Designation for All Accounts
1. These rules apply to your account(s) depending on the form of ownership and beneficiary designation, if any, specified on the ac-
count records. We reserve the right to refuse some forms of ownership on any or all of our accounts. We may also refuse to open an
account or add an additional owner or beneficiary for any reason, or otherwise refuse to do business with an individual. We make
no representations as to the appropriateness or effect of the ownership and beneficiary designation, except as they determine to
whom we pay the account funds. You may open an account either by yourself, referred to as an “individual account,” or with another
person or persons, referred to as a “multiple-party account” or a “joint account.”
2. We may rely solely on our records to determine the form of ownership of your account. We may presume that any person named in
addition to you in our records for your account owns the funds in your account with you as a joint owner, unless our records indicate
that the person has some other relationship to the account. Ownership for all accounts will be established and determined by the
most recent application, signature card, or other document(s) evidencing such account(s). A different form of ownership may be
established by executing a new application or signature card and a new account number may be assigned.
3. If you want to change your account in any way, you must properly complete any additional forms provided by us, which shall not be
effective until delivered to and accepted by us. We are authorized to rely solely on the documentation we have in our possession.
On behalf of yourself, your authorized signers, beneficiaries, and your heirs, you hereby agree to indemnify us and hold us harmless
from any and all liability upon our reliance on such documentation.
4. The word “owner(s)” on an application or signature card or in this Account Agreement means the owner in the case of an individual
account, and it means the owners (both as an individual and as a group) in the case of a multiple-party account.
5. Individual Account: An individual account is an account owned by you alone, which you as the account owner use during your life-
time.
6. Joint Account: A joint account is an account owned by two or more persons. All joint owners agree with each other and with us that
all sums now paid in or hereafter paid in by any one or all account owner(s), including all dividends thereon, if any, are and will be
owned by all account owner(s) jointly and equally regardless of their net contributions with a right of survivorship and will be subject
to withdrawal or receipt by any of the account owner(s) or the survivor(s) of any of the account owner(s). A right of survivorship aris-
ing from the express terms of a joint account cannot be changed by a will. We are not obligated to inquire as to the source of funds
received for deposit to a joint account or to inquire as to the proposed use of any sums withdrawn from the account for the purpose
of establishing net contributions.
Being a joint owner of a member’s account does not constitute Credit Union membership for the joint owner. Joint owners may be
non-members. However, any non-member joint owner who uses an account, requests or uses a service, and signs an application or
signature card, agrees to the terms, responsibilities, and accompanying liabilities of this Account Agreement.
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Unless otherwise agreed in writing between you and us, each joint owner, individually and without the consent of any other joint
owner, may, and hereby is authorized by every other joint owner, to conduct any transaction permitted under this Agreement, includ-
ing without limitation: (1) to withdraw all or any part of the account funds; (2) to pledge the account funds as collateral to us for any
obligation, whether that of one or more joint owners; (3) to endorse and deposit checks and other items payable to any joint owner;
(4) to give stop payment orders on any check or item, whether drawn by that joint owner, or not; and (5) to close the account, with the
disbursement of account proceeds as instructed by the joint owner. While any owner may change, add, or close a joint account and/
or a service acting alone, we may require all joint owners to consent in writing to the addition or removal of any owner to or from the
account. All owners agree that we have no duty to notify the owners of the account of any transaction, change, addition, or closure
of an account or service by any owner acting alone.
All account owners, jointly and severally, are liable for all transactions, changes, additions, or closure of an account or service, and for
any charges, fees, losses, or liabilities incurred for any transaction, change, addition, or closure of an account or service regardless of
which owner conducted or benefited from the transaction, change, addition, or closure. If any owner owes us money for any reason,
we may enforce our right of setoff against all funds in any account on which that person is an owner, regardless of which owner
deposited the funds in the account.
7. Payable-on-Death Designation: A payable-on-death (POD) account designation is an instruction to the Credit Union that an ac-
count so designated is payable to the owner or owners during their lifetime, and upon the death of the last account owner, payable
first to us to the extent of any outstanding matured or unmatured debts owed to us by you, and second, to your designated POD
payee(s). If the account is a joint account, all sums are payable to one or more account owner(s) during their lives and on the death of
all of them, first to us to the extent of any outstanding matured or unmatured debts owed to us by any of you, and second, to one or
more POD payees then surviving. Accounts payable to more than one surviving beneficiary are owned jointly by such beneficiaries
without rights of survivorship and disbursement will be made in equal shares to each of the beneficiaries. Any POD designation will
not apply to Individual Retirement Accounts (“IRA”s) which will be governed by a separate beneficiary designation. The Credit Union
does not have any obligation whatsoever to notify any beneficiary of the existence of any account or the vesting of the beneficiary’s
interest in any account. You understand that it is your responsibility (and not ours) to inform any person or organization that he, she,
or it is a POD beneficiary on your account(s). If a POD beneficiary on the account dies before you, it is your responsibility to notify us
and change the account accordingly.
8. Community Property Account: A community property account designation is an instruction to the Credit Union that the account is
the community property of the named parties, who are married or registered domestic partners. Ownership of such account during
the named parties’ lifetime and after the death of any of them is determined by the law applicable to community property generally
and may be affected by a will.
9. Tenancy in Common Account: An account with a tenancy in common designation is in the name of two or more individual own-
ers without survivorship. Each tenant in common has complete and separate access to the funds and withdrawal rights, and each
authorizes the other(s) to endorse for deposit any item payable to the tenant in common. Until we receive notice of the death of any
tenant in common and have reasonable time to act upon such notice, any tenant in common will have complete withdrawal rights
to the entire account balance. Each tenant in common reserves the right to change the ownership of the account to the extent of
that owner’s withdrawal rights. The balance of the account is owned in equal shares between all tenants in common. In the event of
death of a tenant in common and upon our receipt of notice of such death, we may pay the decedent’s share, subject to our right of
setoff and security interest in the account, to the estate of the decedent. If more than one tenant in common survives the death of
another tenant in common, such survivors remain as tenants in common between them. The surviving tenant(s) in common’s share
in the account balance will be at the disposal of the surviving tenant(s) in common.
10. Rights at Death.
a. Individual Account Without Payable-on-Death Designation: Upon your death, the funds in the account will go to your
estate and can be claimed by your legal representative or claimant subject to the terms of this Account Agreement. You
understand that it is your responsibility (and not ours) to inform your legal representative(s) about your account(s) with us.
b. Individual Account with Payable-on-Death Designation: Upon your death, the POD beneficiary will be entitled to the funds
in the account (subject to the terms of this Account Agreement) upon proof of your death and the POD beneficiary’s identifi-
cation. If you designate more than one POD beneficiary on the account, each will be entitled to his or her (or its) equal share
of the funds in the account, which will be determined by dividing the amount of the funds in the account by the number of
POD beneficiaries designated on the account, and will own those funds without right of survivorship.
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c. Joint Account without Payable-on-Death Designation: When one owner dies, his or her interest in the account and the funds in
the account are owned by the surviving owner or owners of the account, subject to the terms of this Account Agreement. Upon
the death of the final owner the funds in the account belong to that owner’s estate and can be claimed by that owner’s legal rep-
resentative or claimant subject to the terms of this Account Agreement. You understand that it is your responsibility (and not ours)
to inform your legal representative(s) about your account(s) with us.
d. Joint Account with Payable-on-Death Designation: Upon the final owner’s death, the POD beneficiary will be entitled to the
funds in the account (subject to the terms of this Account Agreement) upon proof of death and the POD beneficiary’s identifica-
tion. If you designate more than one POD beneficiary on the account, each will be entitled to his or her (or its) equal share of the
funds in the account, which will be determined by dividing the amount of the funds in the account by the number of POD benefi-
ciaries designated on the account, and will own those funds without right of survivorship.
For joint accounts, a surviving owner’s ownership interest is subject to the Credit Union’s right of setoff for the deceased owner’s
obligations, and to any security interest or pledge granted by a deceased owner, even if a surviving owner did not consent to it.
11. Power Of Attorney: If you choose to appoint an attorney-in-fact or agent to act on your behalf pursuant to a power of attorney
(“POA”), we may rely on instructions provided by the attorney-in-fact or agent and will have no liability or responsibility to verify the
transactions. The POA must be properly executed, facially valid under applicable law, and the form of appointment must be accept-
able to us. In accordance with the terms of the POA, the attorney-in-fact or agent you designate to act on your behalf will be autho-
rized to transact business on your account(s) pursuant to the terms of such POA.
Notwithstanding the foregoing, we reserve the right to contact you as the principal under the POA, to verify your intent, prior to act-
ing under the authority of the POA. You further agree that unless prohibited by law, we may refuse, with or without cause, to accept
or otherwise act under a POA, which you grant to others.
If we choose to accept the POA, you understand and agree that we may act under the terms of such POA and to the extent permit-
ted by law, revocation of the POA will not become effective until we have received written notification thereof and have a reason-
able opportunity to act upon it. You agree to indemnify and hold us harmless for any claims that may arise against us because of our
reliance on a POA.
We may require you to provide us with a notarized affidavit of non-termination confirming your power as an attorney-in-fact prior to
opening the account or making changes to the account.
We are not liable for any transactions by an attorney-in-fact or agent for a deceased or incompetent account owner, unless we have
written notice provided in accordance with applicable law that you, as the principal under the POA are deceased, have revoked the
powers of the attorney-in-fact or agent, or you are adjudicated totally or partially incapacitated by a court of competent jurisdiction,
and we have had time to act on that notice.
12. Authorized Signers on Business Accounts: We may rely solely on our records to determine the form of ownership of your business
account, as well as the authorized signers on the account. Ownership for all business accounts will be established and determined
by the most recent business application, signature card, or other document(s) evidencing such account(s).
Each authorized signer on a business account must be at least eighteen (18) years of age. Each authorized signer on a business ac-
count is duly authorized to act individually and without the consent of any other authorized signer with respect to the account(s) and
we are authorized to act on all matters relating to the account(s) upon the order of any individual authorized signer until we receive
written instructions to the contrary from an authorized representative (as defined on the business application or signature card). You
certify that any signatures appearing on the Business Account Application are the genuine signatures of said authorized persons.
You agree that any instruction to permit withdrawal only upon the signature of two or more authorized signers or agents is for your
internal use and benefit only and will not be binding on us. You agree that we will not be liable for any lack of signatures so long as
the instructions contain the signature of or have been authorized by at least one authorized signer. Any payment made from your
business account in good faith and reliance on the terms and conditions of this Account Agreement and the business application
shall be valid and discharge us from liability. Without limiting the foregoing, we may honor checks drawn against your account by
authorized signers, even if the checks are made payable to them, to cash, or for deposit to their personal accounts. We have no duty
to investigate or question withdrawals or the application of funds.
We may continue to recognize an authorized signer’s authority until we have received and have had a reasonable time to act upon
your written modification or revocation of it. You are responsible for ensuring that each authorized signer is provided a copy of this
Account Agreement and is familiar with it. Unless you have instructed the Credit Union in writing to the contrary, the Credit Union
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may consider communications about your business account from an authorized signer on your account as communications from
you. You agree to notify the Credit Union immediately in writing if any authorized signer’s authority has been terminated.
You agree to be responsible to us for the actions of authorized signers on your business account. This means that you are respon-
sible for familiarizing authorized signers with all of the terms of this Account Agreement. You are responsible for monitoring your
business account(s), supervising employees and other persons authorized to conduct business on your account(s), reviewing all
statements and other information we send you regarding your account(s), and immediately reporting to us any suspicious activity.
If you want to change your business account in any way, you must properly complete any additional forms provided by us, which
shall not be effective until delivered to and accepted by us. We are authorized to rely solely on the documentation we have in our
possession. On behalf of yourself, your agents, successors, and assigns, you hereby agree to indemnify us and hold us harmless
from any and all liability upon our reliance on such documentation.
13. Terms and Conditions Applicable to Trust Accounts: You may open an account to hold the funds of your trust and be named as
trustee on our Fiduciary Account Application. A person named as a trustee on the Fiduciary Account Application has the same
rights, responsibilities, and liabilities as an owner of an account under this Account Agreement to open, change, add, or close an
account or service. Each trustee understands that any trustee acting alone may change, add, or close the account and/or a service,
and that his or her signature on the Fiduciary Account Application or continued use of an account or service confirms his or her
agreement to any later change, addition, or closure of an account and/or service by any other trustee on the account. While any
trustee may change, add, or close the account and/or a service acting alone, we may require all trustees to consent in writing to the
addition or removal of any trustee to or from the account. All trustees agree that we have no duty to notify the trustees of the ac-
count of any transaction, change, addition, or closure of an account or service by any trustee acting alone.
a. Trustee(s) affirm that the successor trustee(s) are bound under the terms of the trust which may be evidenced by written docu-
mentation (the “Trust Instrument”) to serve, and are authorized and fully qualified to act as trustee(s) in the event that all of the
trustee(s) named in the signature card or Fiduciary Account Application resign, die, become incapacitated, or otherwise become
unable to act as trustee(s) of the Trust. The signature card or Fiduciary Account Application will not be approved unless successor
trustee(s) are designated.
b. We may require you to provide us with a notarized trust certification confirming your power as a trustee prior to opening the ac-
count or making changes to the account. You also agree to give us reasonable notice of changes affecting the trust account or
Trust Instrument.
c. We are not required to know, understand, interpret, or enforce the terms of your Trust Instrument. The Credit Union is not required
to keep any Trust Instrument in its files and is not liable for the contents of a Trust Instrument. THE CREDIT UNION HAS NOT RE-
QUESTED OR RECEIVED A COPY OF THE TRUST INSTRUMENT AND SHALL IN NO EVENT BE LIABLE FOR ITS CONTENTS.
d. You acknowledge that the account is governed by the applicable terms and conditions set forth in this Account Agreement and by
the terms and conditions set forth in the Fiduciary Account Application that you will be asked to sign when the account is opened.
14. Terms and Conditions Applicable to Fiduciary Accounts:
a. Account(s) may be opened by a person acting in a fiduciary capacity. A fiduciary is someone who is appointed to act on behalf
of and for the benefit of another. This account may be opened and maintained by a person or persons named as a trustee
under a Written Trust Agreement or as an executor, administrator, conservator, or guardian under court orders. By the author-
ity vested in you as a fiduciary, you, acting individually or jointly, are authorized and empowered to transact business of any
character in connection with this account. Your authority will continue in force until written notice to the contrary is received by
us and we have had reasonable time to act.
b. If the account is opened as a court-ordered blocked account, you understand and agree that you will file with the court appropri-
ate documentation confirming an agreement with us that the funds in the account, including any dividends, may not be with-
drawn or pledged except upon court order.
c. Funds in a fiduciary account may not be pledged as security for any loan(s).
15. Terms and Conditions Applicable to All Sole Proprietorship Accounts:
a. You affirm that you are the sole proprietor of the sole proprietorship named on the business application or signature card. We
may pay out funds with your signature, or the signature of any other signers designated by you. We may accept and/or endorse
checks made payable to you or to the sole proprietorship named on the business application or business signature card that we
receive for deposit.
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b. You may pledge any or all of the funds on deposit in the account as collateral security to any loan(s) with us subject to then cur-
rent loan policies.
16. Terms and Conditions Applicable to All Corporate, Partnership, Limited Liability Company, and Unincorporated Association
(Club) Accounts:
a. The persons named on the business application or business signature card duly authorized to make the certifications contained
therein certify that at a regularly held meeting the person(s) named were elected or appointed officers of said corporation or
organization, or are duly acting partners of said partnership, or are duly acting managers of said limited liability company, or are
otherwise duly authorized to act on behalf of such entity or organization, and that by virtue of the authority vested in them by the
constitution, bylaws, partnership agreement, or operating agreement of such organization or otherwise, any one (1) of the signa-
tories, as named on the business application or business signature card, is authorized and empowered to transact business of
any character whatsoever in connection with the account. You certify that the signature(s) appearing on the business application
or business signature card are the genuine signature(s) of said authorized person(s), and that their authority shall continue in force
until we receive written notice to the contrary.
b. Any authorized persons may pledge any or all of the funds on deposit in the account as collateral security to any loan(s) subject
to our then-current loan policies. A pledge of share(s) shall be binding on all account owners, authorized signers, the corporation,
organization, partnership, limited liability company, or other entity.
17. Terms and Conditions Applicable to All Custodial Accounts:
a. The transferor/custodian is opening an account as custodian for the minor named on the Fiduciary Account Application or sig-
nature card for account under the Uniform Transfers to Minors Act (“UTMA”). The transfer of money to the minor named on the
application or signature card, which transfer will be deemed to include all dividends and any future deposits or other additions
thereto, is irrevocable and is made in accordance with and to include all provisions of the Uniform Transfers to Minors Act now in
effect or hereinafter amended.
b. You acknowledge that by signing the Fiduciary Account Application or signature card, you have received the funds deposited to
the account as custodian for the minor named therein under the UTMA and you agree to the applicable terms and conditions set
forth in this Account Agreement as well as the terms and conditions of the Fiduciary Account Application or signature card. You
acknowledge and agree that neither the donor of the funds nor the custodian is entitled to the use or benefit of the funds, except
for the benefit of the minor as allowed by the UTMA. You also acknowledge and agree that we have no duty whatsoever to moni-
tor or ensure that the acts of the custodian (or successor custodian) are for the minor’s benefit.
c. For this type of account, the minor’s Social Security Number/Tax Identification Number is used for the Backup Withholding Certifi-
cation.
d. Funds in an account under the Uniform Transfers to Minors Act may not be pledged as security for any loan(s).
e. The successor custodian named on the Fiduciary Account Application or signature card will serve if you should be unable to act
as custodian because you resign, die, or become legally incapacitated.
f. Custodial accounts are not subject to the Multiple-Party Accounts law.
g. You, as custodian, agree to indemnify and hold us harmless from and against any and all claims, damages, losses, liabilities,
expenses, and fees (including reasonable attorney’s fees) we may suffer or incur arising out of any action or claim by any benefi-
ciary with respect to the authority or actions taken by you in handling or dealing with the account.
h. Upon the minor reaching the age of eighteen (18), or other age stipulated in any applicable documents or court order, you, as
custodian, have the responsibility of transferring the money in the account to the minor or to the minor’s estate and closing the
account. You agree to indemnify and hold us harmless for any failure to transfer the money in the account to the minor or the
minor’s estate upon the minor reaching the age of eighteen (18) or other age stipulated in an any applicable court order.
Section 3. General Terms Regarding Access, Transactions, Withdrawals, and Deposits to All Accounts
You may make deposit(s) to or withdrawal(s) from your account(s) only in accordance with Credit Union policy.
Subsection A - Withdrawals
1. You understand and agree that we have the right to restrict the amount of cash each member may transfer or withdraw in a twenty-
four (24)-hour period.
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2. We reserve the right to require you to give not less than seven (7) and up to sixty (60) days written notice of your intention to with-
draw funds from any account except share draft accounts.
3. For the safety of both staff and members, the Credit Union does not keep large amounts of cash at branch locations. Arrangements
for large cash withdrawals may be made with the Branch Manager at the branch location of our choice. Large cash withdrawal
requests may require up to fourteen (14) business days advance notice to process. You understand and agree that you will be
responsible for all fees that may be assessed by a third party on the Credit Union in connection with your request (e.g., cash delivery
charges). In addition, you may be asked to sign a form releasing us from any liability.
4. If you open a Health Savings Account (“HSA”) with us, we will provide you the terms and conditions applicable to the account in our
HSA Agreement. You acknowledge and agree that it is your sole responsibility to ensure withdrawals or distributions from an HSA
are consistent with applicable law, including federal tax law, and the HSA Agreement, as it is not our responsibility to monitor your
transactions on the HSA for conformity with applicable law or the HSA Agreement. If we issue checks or an HSA debit card to you
for the HSA, you must ensure that you do not use such checks or debit card for purposes other than payment of or reimbursement
for qualified medical expenses as required by applicable law. We recommend you consult a qualified tax professional if you have
any questions regarding transacting on and managing your HSA.
Subsection B - Deposits
1. You authorize us to accept deposits to your account at any time, from any party, made in any manner, without questioning the
authority of the person making the deposit, and to give cash back to any authorized signer(s) or designated agent on any check pay-
able to any one or more of the account owners, whether or not it is endorsed by you. The Credit Union reserves the right, however,
to refuse to accept all or any part of any deposit.
2. We are not responsible for delays in a deposit due to improper identification on the deposit envelope or improper keying of your
transaction. Information accompanying a deposit should include your name, your account number, and where you want your deposit
to go.
3. You understand and agree that it is our policy not to accept for deposit checks payable to anyone other than an Owner on the ac-
count (third party checks).
4. All deposits are subject to verification. You agree that if our count differs from yours, our determination of the amount of a deposit
will be considered the correct one.
5. Deposits will be made available for withdrawal by you or to cover other payments in accordance with the Funds Availability Policy.
6. You agree that we will not be responsible for any damages you incur in the event you deposit an item with us which is subsequently
returned unpaid by the paying bank and that return is “late” due to markings on the back of the item caused by you or a prior en-
dorser.
7. All payees listed on a check must sign the check that is deposited or cashed, and must be a joint owner on the account, present
a valid government-issued identification or have their endorsements guaranteed by another financial institution. All multiple party
checks without proper identification are subject to being returned. Notwithstanding the foregoing, you authorize us, in our discre-
tion, to accept checks and other items for deposit into any of your accounts (collectively, “item”) if they are made payable to, or to the
order of, any one or more joint owners on the account, whether or not they are endorsed by all payees. You authorize us to supply
missing endorsements of any account owners on any item that we take for collection, payment, or deposit to your account (which
we may supply in our sole discretion). You also authorize us to collect any unendorsed item that is made payable to you without first
supplying your endorsement, provided the item was deposited to your account. If you deposit items which bear the endorsement of
more than one person or persons that are not known to us or that require endorsement of more than one payee, we may refuse the
item or require all endorsers to be present, have valid identification, or to have their endorsements guaranteed before we accept the
item.
8. You understand and agree that we use automated means to process checks and other items written on or deposited to your
account. This means that we do not individually examine all of your items to determine if the item is properly completed, signed
and endorsed or to determine if it contains any information other than what is encoded in the Magnetic Ink Character Recognition
(“MICR”) line at the bottom of the check or item which contains your account number, amount of check and check number. Although
we may manually review checks or other items drawn on your account, you understand and agree reasonable commercial stan-
dards do not require us to do so. Our use of automated means to process checks and other items prevents us from inspecting or
looking for special instructions or “restrictive legends” on checks (e.g., “Void after 6 months,” “Void over $50,” “Payment in Full,”
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and the like), whether on the front or back, in any form or format. For this reason, we are not required to honor any restrictive legend
placed on checks you write unless we have agreed in writing to the restrictions. If you cash or deposit an item or write a check with
such notation, you agree that it applies only between you and the payee or maker. The notation will have no effect on us, and you
agree to accept responsibility for payment of the item. You agree to indemnify and hold us harmless from any claim or alleged loss
of any maker or payee involving such notations, whether you are the maker or payee or the funds are otherwise deposited into an
account in which you have an interest.
9. We may refuse to accept for deposit or collection an item that is payable in currency other than U.S. dollars or an item that is not
drawn on a financial institution chartered in the U.S. (each, a “non-U.S. item”). If we accept a non-U.S. item for deposit or collec-
tion, you accept all risks associated with foreign currency fluctuation (exchange rate risk) and with any late return of the item. You
agree that we may use our current buying and selling rate, as applicable when processing a non-U.S. item and may charge a fee as
outlined in the Fee Schedule/Sheet. In addition, you agree we may recover from any account you maintain with us any loss incurred
by us as a result of our processing such an item for you. We reserve the right to place longer holds on non-U.S. items than the time
frames specified in the Funds Availability Policy.
10. We have the right to charge back to or otherwise debit any account you maintain with us for any deposited item that is returned (and
to reverse or recover any associated dividends that may have accrued or been paid), even if you have made withdrawals against
it. This right of charge back or debit is not affected by the expiration of any applicable midnight deadline, provided we do not have
actual knowledge that such deadline has expired or, having such knowledge, we conclude that: (a) the deposited item is returned in
accordance with the laws governing your account or rule (including a clearing house rule); and/or (b) we have received a breach of
warranty claim in connection with the deposited item.
11. We have the right to pursue collection of such deposited item, even to the extent of allowing the payor bank to hold the deposited
item beyond the midnight deadline in an attempt to recover payment. We may, without notice to you, redeposit a returned deposited
item and represent it for payment by any means (including electronic means), unless we have received instructions from you not
to redeposit such deposited item. We will have no liability for taking or failing to take any action to recover payment of a returned
deposited item.
12. If one of your deposited items is returned with a claim that there is a breach of warranty (for example, a claim that it bears a forged
endorsement or is altered in any way), we may debit your account for the amount of the item and pay the amount to the claiming
party. We are under no duty to question the truth of the facts that are being asserted, to assess the timeliness of the claim, or to as-
sert any defense.
13. We need not give you any prior notification of our actions with respect to the claim. We may create substitute checks from your
deposited items to facilitate the forward collection of such items. You agree to indemnify and hold us harmless from and against
any and all claims, damages, losses, liabilities, expenses, and fees (including reasonable attorney’s fees) arising out of or in any
way connected with such substitute check, including without limitation, any claim based on the image quality of such substitute
check.
14. We may rely on the account number on any instrument, deposit slip, or similar record we receive from you, even if that account num-
ber is associated with a name that is different from the name you have provided. It is not our responsibility to detect any inconsis-
tency between the account number you provide and the name. If you make a deposit, we may provide a receipt, but the amount on
your deposit receipt is based entirely on the deposit slip you complete. We may confirm the funds you deposit and, after review, may
adjust your account for any errors including any errors on your deposit slip. We may not adjust your account unless you notify us of
the discrepancy within one (1) year of the date of your periodic statement that reflects the deposit. If you do not notify us of the error
during this notice period, the deposit amount will be considered final. This means that the actual amount deposited was less than
the amount stated on the deposit receipt, the difference will become your property, and if the actual amount deposited was more
than the amount stated on the deposit receipt, the difference will become our property.
15. In processing items you have deposited to your account, we act only as a collecting agent and we do not assume any responsibility
beyond the exercise of ordinary care. Any deposit that we accept and credit to your account is provisional and subject to our receipt
of final payment. If final payment is not received, we reserve the right to charge your account for the amount of the deposit. In addi-
tion, to the extent permitted under applicable law, if an item initially deposited to your account or cashed for you was initially paid by
the payor bank but is later returned to us due to alleged fraud or forgery, alteration, unauthorized or missing endorsement, counter-
feit item, or any other such allegation justifying reversal of credit, we reserve the right to charge back to your account any such item.
Further, in the event a federal or state government agency requests reimbursement of any payment or portion thereof deposited to
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your account, you authorize us to deduct the requested amount from the account or any other account you maintain with us. We are
not responsible for any deposit sent by mail or made at an unstaffed facility (for example, an automated teller machine that is not at
a branch) until we actually receive the deposited item or money e.g., received and accepted by staff, received via electronic trans-
mission, delivered to a designated lockbox (although we recommend you not send cash for deposit by mail); you should check your
statement to ensure we received the deposited item. We are not liable for the negligence or default of any third party we use for the
collection of items, including responsibility for lost items. You agree to indemnify and hold us harmless from and against any and
all claims, damages, losses, liabilities, expenses, and fees (including reasonable attorney’s fees) arising out of or relating to an item
placed for collection.
Subsection C – Checks and Other Items or Access Devices
1. You acknowledge that we do not sell checks. As a convenience to you, we will submit your initial check order and any reorders
for personalized checks ordered through us to our approved check vendor. If the check vendor accepts the initial order and any
re-orders, the check vendor will mail the checks either directly to you or to you in care of us. You authorize us to charge your share
draft account for the cost of checks ordered through us, plus applicable sales tax and shipping costs at the fee set forth in the Fee
Schedule/Sheet. You are responsible for verifying the accuracy of all information shown on your checks, whether you order them
through us or elsewhere. You agree to imprint only those names of authorized owners on your checks. If you have not ordered
checks through our approved check vendor, we are not responsible for the quality of any check copy that you request. In addition,
we are not responsible for any checks not paid as a result of quality or printing errors.
2. We may provide you with temporary checks that include the exact MICR line, including routing number and account number, neces-
sary for the proper processing of your checks. You are responsible for ensuring that any checks you use to draw on your account
include this same MICR encoding. You understand that it is your responsibility to ensure that checks you order from any third party
printer are printed in accordance with applicable standards set by the American National Standards Institute (“ANSI”) for font, paper,
toner, and positioning. You understand that if checks you write do not have the correct routing number, they may not be properly
posted, and that if any other part of the encoding is incorrect, posting of the checks may be delayed. If you fail to include proper
MICR encoding on your checks and this results in any such check being manually processed by us, then you may pay a fee as set
forth in the Fee Schedule/Sheet.
3. We may pay and charge to your applicable account checks or other debit items (“items”) drawn by and payable to any person,
organization, association or corporation whom you have authorized by providing sample MICR encoded information identifying your
account, provided there are sufficient funds in your account to pay such items. You agree that our rights in respect to such items will
be the same as if it were an item drawn and signed by you personally. This authority will remain in effect until revoked by you in writ-
ing (to us and to the agency to whom the sample MICR writing was provided) and we have had a reasonable opportunity to act on it.
You agree that we will be fully protected in honoring such items. You further agree that if any such item is dishonored, whether with
or without cause, and whether intentional or inadvertent, we will have no liability whatsoever, even though such dishonor results in
the forfeiture of insurance, or other loss or damage to you of any kind.
4. You, or any joint owner on the account, may request a stop payment of any check payable against your account, provided your
request is timely and affords us a reasonable opportunity to act upon it under our rules. You may request a stop payment through
our Online Banking system, or you may ask us orally by phone or visiting a branch. Your stop payment request must include the ac-
count number, check number, exact amount, check date, and name of payee. This information must be exact because stop payment
orders are processed using automated means. We will not be liable for paying a check over a stop payment request if the request is
incomplete or incorrect. A stop payment fee will be assessed for each stop payment as set forth in the Fee Schedule/Sheet. If you
make a stop payment request orally by phone or visiting a branch, the request will be valid for only fourteen (14) days thereafter un-
less confirmed in writing. Written requests will be valid no longer than six (6) months, but may be renewed for additional six (6) month
periods by written notice given during the time that the stop payment order is in effect. We are not obligated to notify you when
a stop payment order will or has expired. You have the burden of establishing the fact and amount of loss resulting from payment
contrary to a binding stop payment request. You should be aware that anyone holding the item may be entitled to enforce payment
against you despite the stop-payment order. You agree to indemnify, defend, and hold us harmless from and against any and all
claims, damages, losses, liabilities, expenses, and fees (including reasonable attorney’s fees) arising out of or relating to our action in
stopping payment of any check pursuant to your request.
5. We are not liable if we pay a check that you have requested us to stop payment on as long as we act in good faith and exercise ordi-
nary care. In any event, any damages that we might otherwise be liable for shall not exceed the amount of the involved check. If we
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do pay a check for which you have requested stop payment and as a result any other item is returned unpaid by us due to nonsuf-
ficient funds (“NSF return item” or “return item”), we are not liable for any consequences resulting from such action.
6. Your death or incompetence will not revoke our authority to accept, pay, or collect a check or to account for proceeds of its collec-
tion until we know of the fact of death or adjudication of incompetence and have a reasonable opportunity to act on it. Even with
knowledge, we may for ten (10) days after the date of death or incapacity, pay or guarantee checks drawn on or prior to that date
unless ordered in writing to stop payment by a person claiming an interest in the account under rules established by us. We must be
notified if you or any joint owner of your membership share account dies or becomes incapacitated.
7. We are neither given notice, or otherwise affected by, a restrictive endorsement of any person or entity except our immediate trans-
feror.
8. “Remotely created checks” are created when an account holder authorizes a payee to draw a check on the account, but instead of
the account holder’s actual signature, the check identifies that the account holder authorized the check. If you deposit a remotely
created check, you guarantee it was authorized by the account holder for payment in the amount it shows. You must also maintain
proof of such authorization for a period of at least two (2) years after the date of authorization and provide us such proof of autho-
rization upon request. You will also be liable for the amount of the remotely created check if it is returned, regardless of when it is
returned.
9. If you truncate an original check and create a substitute check, or other paper or electronic image of the original check, you warrant
to us that no person will be asked to make payment on the substitute check, original check, or paper or electronic representation
of the substitute check or original check, if the payment obligation relating to the original check has already been paid. You also
warrant that any substitute check you create conforms to the legal requirements and generally accepted specifications for substitute
checks. You agree to retain the original check for a period of at least sixty (60) days. You agree to indemnify us for any loss we may
incur as a result of any truncated check transaction you initiate. We can refuse to accept substitute checks that have not previously
been warranted by a bank or other financial institution in conformance with the Federal Check 21 Act. Unless specifically stated in a
separate agreement between you and us, we do not have to accept any other electronic or paper image of an original check.
10. We may pay a check bearing any form of facsimile or computer-generated signature. If you use a facsimile or computer-generated
signature, or if you authorize us to accept any such signature, you will be solely responsible for any check bearing a similar signature,
regardless of your negligence or whether the signature was the same one you previously used.
11. If we have paid a check under circumstances giving you a basis for objection, we shall be subrogated to the rights of: (a) Any holder
in due course on the check against the drawer or maker; (b) The payee or any other holder of the check against the drawer or maker,
either on the item or under the transaction out of which the item arose; and (c) The drawer or maker against the payee or any other
holder of the check with respect to the transaction out of which the check arose.
12. You authorize us to accept and pay any check without regard to the date of the check. You understand that post-dating a check will
have no effect on whether or not it is honored prior to or after the date of any such check. In addition, we are under no obligation to
pay a check which is presented more than six (6) months after its date (a stale-dated check). You agree that we are not required to
identify post-dated or stale-dated checks or seek your permission to pay them. We may pay or refuse to pay any post-dated or stale-
dated check or other item presented for payment on your account without any liability.
13. All checks written on your account must be drawn in U.S. dollars.
14. Our measure of damages for failure to exercise ordinary care in handling a check will not exceed the amount of the item.
15. You will notify us immediately if your checks are lost or stolen. You agree that you will be responsible for losses caused by a delay in
your notification to us.
16. It is your responsibility to protect the account number(s) and electronic access device(s) (e.g., a debit card) we provide you for your
account(s). You agree not to disclose your account number(s) to anyone unless you are willing to give them full use of your money.
If you disclose your account number(s) or provide your access device to another person (a family member or friend, for example) in
connection with granting authority to that person to conduct funds transfers, and that person then exceeds that authority, you are
liable for the transfer(s) unless we have been notified that transfer(s) by that person are no longer authorized.
Your account number can also be used to electronically withdraw money from your account. For example, if you provide your
account number to an online merchant to purchase a service or merchandise, funds can be electronically withdrawn from your ac-
count.
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You must also take precautions in safeguarding your blank checks, which contain your account number and often other per-
sonal information. Notify us AT ONCE if you believe your checks have been lost or stolen. We are not responsible for any loss or
damage which results from your negligence, including without limitation, your failure to adequately safeguard your blank checks
or other personal information or means of access to your account.
17. The federal law dealing with funds availability requires the financial institution’s endorsement area on the back of a check be kept
clear or unobstructed. This rule is designed to prevent unnecessary delays in processing your deposits as well as to promote
speedier returns of dishonored checks. Only the 1½-inch space from the “trailing edge” (the left edge of the check when it is facing
you) can be used by you for endorsements or any other markings. Endorsements must be made in blue or black ink, so that they are
readable by automated check processing equipment. It is important that you confine the endorsement information to this area since
the remaining blank space will be used by others in the processing of the check to place additional needed endorsements and
information.
18. In the event that you draw a check on your share draft account or loan account with us, you are responsible for any delay or misrout-
ing of the check caused by markings placed on the check by you that obscure any depository endorsements placed by us or our
agent and you agree to hold us harmless and indemnify us from any liability due to such delay or misrouting.
19. Access to your account(s) through electronic means or cards is dictated by the provisions related to electronic funds transfers con-
tained in Part III.
20.You should carefully review the Funds Availability Policy for information as to when different types of deposits will be made
available for withdrawal. You can inquire as to funds availability for deposits made that are not subject to the Funds Availability
Policy.
Subsection D - Corrections, Disputes, and Additional Terms Regarding Transactions
1. If a deposit or other credit is made in error to your account that you are not entitled to (whether by check, cash, ACH transfer, wire
transfer or otherwise), you understand that we may debit your account for the amount of the erroneous deposit, and may do so with-
out notice to you, regardless of when the original deposit took place. If you withdraw any or all of the funds erroneously deposited
to your account, you agree that you are obligated to reimburse us for the amount of the erroneous deposit or credit, and any costs
and fees as stated in this Agreement and the Fee Schedule/Sheet. Your withdrawal of erroneously deposited funds may result in an
overdraft of your account.
2. You agree to pay our costs of collection, including reasonable attorney’s fees and court costs, with regard to any check drawn on us
by you or any item you deposit with us that causes us to incur a loss.
3. You agree that if a depositor (e.g., a government agency) demands we return any sums directly deposited to your account during the
month of or after the death of any account holder on your account, we must honor such a demand and may debit your account for
all amounts returned to the depositor.
4. We agree to investigate any transaction you have reported to us as unauthorized (a “claim of unauthorized transaction”). Unless the
unauthorized transaction is the result of an electronic funds transfer from a consumer account (in which case the provisions of the
Electronic Services Agreement and Disclosure included at Part III of this Account Agreement will apply), you agree to: (a) submit
your claim of unauthorized transaction in writing to us by completing a declaration under penalty of perjury describing your claim of
unauthorized transaction (in an affidavit form approved by us, if so requested); (b) file a police report; (c) complete and return to us
any documents requested of you; and (d) in all respects, cooperate fully with us in our investigation of your claim of unauthorized
transaction.
5. We reserve the right to reverse any credit made to your account if you fail to sign such documents, cooperate fully with our investi-
gation of your claim of unauthorized transaction or if we determine that the transaction that gave rise to your claim of unauthorized
transaction was proper.
6. You understand and agree that you are not permitted to place a stop payment on a cashier’s, teller, or certified check unless such
check is lost, stolen, or destroyed. In the event that a cashier’s, teller or certified check is lost, stolen or destroyed, in order to effectu-
ate a stop payment, you must execute and deliver to us a written Declaration of Loss and Claim for Reimbursement (“Declaration of
Loss”) and/or affidavit in a form acceptable to us and in time for us to have a reasonable time to act on it. You further understand and
agree that the Declaration of Loss is not immediately enforceable upon your submission. Specifically, you understand and agree that
we will not process your stop payment request until the later of (1) the time the Declaration of Loss form is properly delivered to us
by you, or (2) the ninetieth (90th) day following the date of the cashier’s, teller or certified check. We may, however, in our sole and
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absolute discretion, process your stop payment request sooner. You agree to indemnify and hold us harmless from and against any
and all claims, damages, losses, liabilities, expenses, and fees (including reasonable attorney’s fees) arising out of or relating to our
attempt to, or stopping payment on, such cashier’s, teller or certified check.
Section 4. Payment of Dividends
1. The frequency and conditions upon which dividends are paid on all accounts are in accordance with the Bylaws of this Credit Union,
the Federal Credit Union Act, and relevant laws and regulations. Dividends are paid from current income and available earnings
after required transfers to reserves at the end of a dividend period. Please see the Truth-in-Savings Disclosure applicable to your
account(s) for additional terms related to payment of dividends, balance computation, and other related information, the Rate Sheet
for current rates, and the Fee Schedule/Sheet for applicable fees. You may also obtain current rate information by calling the Credit
Union toll-free at 855.855.8805 or visiting the website.
2. We may change the dividend rates for accounts as determined by the Credit Union’s Board of Directors. Current rate information is
set forth in the Rate Sheet.
Section 5. Terms and Conditions Applicable to all Share Draft Accounts
1. Funds in share draft accounts may not be pledged as security for any loan(s).
2. We may, at our discretion, pay funds from this account, without obligation or liability for refusal to pay:
a. When such payment would draw the account below the minimum balance for the account we establish from time to time.
b. If drawn by means not authorized in advance by us.
c. Against checks or electronic debits presented over six (6) months past their issue dates.
3. All share draft accounts are truncated checking accounts. Check copies are not returned with statements. Both sides of checks
are imaged and stored for seven (7) years from date of posting. Upon request, we will provide you with a photocopy of a re-
quested item within a reasonable time. A check copy fee will be assessed for each check copy as set forth in the Fee Schedule/
Sheet.
Section 6. Substitute Checks and Your Rights
1. Substitute Checks and Your Rights. To make check processing faster, federal law permits financial institutions to replace original
checks with “substitute checks”. These checks are similar in size to original checks with a slightly reduced image of the front and
back of the original check. The front of a substitute check states; “This is a legal copy of your check. You can use it the same way you
would use the original check.” You may use a substitute check as proof of payment just like the original check.
Some or all of the checks that you receive back from us may be substitute checks. This notice describes the rights you have when
you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account.
However, you have rights under other law with respect to those transactions.
2. What are Your Rights Regarding Substitute Checks? In certain cases, federal law provides a special procedure that allows you to
request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the
wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses
you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were
charged as a result of the withdrawal (for example, a return item fee).
The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, which-
ever is less. You also are entitled to dividends on the amount of your refund if your account is dividend-bearing account. If your loss
exceeds the amount of the substitute check, you may be able to recover additional amounts under other law.
If you use this procedure, you may receive up to the lesser of the amount of the substitute check or $2,500 of your refund, plus
dividends if your account earns dividends, if we are unable to determine the validity of the claim within ten (10) business days after
we receive your claim. Unless we determine that your claim is not valid, we will refund to your account any remaining amount of your
loss, up to the amount of the substitute check, plus dividends if your account earns dividends, no later than forty-fifth (45th) calendar
day after we received your claim. We may reverse the refund (including any dividends on the refund) if we later are able to demon-
strate that the substitute check was correctly posted to your account.
3. How Do You Make a Claim for a Refund? If you believe that you have suffered a loss relating to a substitute check that you re-
ceived and that was posted to your account, please contact us at First Technology Federal Credit Union, PO Box 2100, Beaverton,
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OR 97075-2100 or call us toll-free at 855.855.8805. You must contact us within forty (40) calendar days of the date we mailed (or
otherwise delivered by a means to which you agreed) the substitute check in question or the account statement showing that the
substitute check was posted to your account, whichever is later. We may at our sole discretion extend this time period if you were
not able to make a timely claim because of extraordinary circumstances.
Your claim must include:
a. A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect);
b. An estimate of the amount of your loss;
c. An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and
d. A copy of the substitute checks or the following information to help us identify the substitute check: the check number, the name
of the person to whom you wrote the check, date of deposit, and the amount of the check.
Part III – Electronic Fund Transfers (“EFTs”)

This Part III of the Account Agreement sets forth the terms and conditions governing electronic fund transfers. EFTs are electronically
initiated transfers of money involving a membership share account at the Credit Union and multiple access options, such as online
account access, direct deposits, ATMs, debit card and Automated Telephone Banking. Your acceptance, retention, or use of an
ATM card, debit card, Personal Identification Number (“PIN”) or other EFT hereunder constitutes an agreement between us and you
to be bound by the additional terms and conditions contained in this Part III. Where not in conflict with the terms of this Part III, the
general terms and conditions elsewhere in this Account Agreement, or such other agreements under which electronic services may
be provided remain in full force and effect and continue to be applicable, except as specifically modified by this Part III.
These disclosures are given by us to inform you of certain terms and conditions for use of the electronic services described in this
Account Agreement. With regard to EFTs debiting or crediting a consumer account, this Part III is provided in compliance with the
Electronic Fund Transfer Act (15 USC § 1693 et seq.) and Regulation E (12 CFR Part 1005). However, EFTs debiting or crediting a
business account are not subject to the requirements of the Electronic Fund Transfer Act or Regulation E. Consequently, some of the
provisions in this Part III will specify whether they apply only to consumer account(s) or business account(s); if no such specification
is stated for a particular provision, in this Part III it will apply to both consumer accounts and business accounts.
At the present time, we offer the following electronic services:
1. Preauthorized deposits of net paycheck;
2. Payroll deductions;
3. Preauthorized deposits of pension checks and federal recurring payments (for example, Social Security payments);
4. Preauthorized withdrawals for bill payments and other recurring payments;
5. Automated Teller Machine (ATM) EFT services at Credit Union-owned (proprietary) ATMs, at non-proprietary ATMs, and on Shared
Network ATMs such as the CO-OP Network, STAR and Plus, and such other systems as may be added from time to time;
6. Automated Telephone Banking;
7. Online Banking. Including mobile app;
8. Bill Payment Service;
9. Debit Card POS Transactions;
10. Electronic Check Transactions; and
11. Transactions at a Point-of-Sale (POS) terminal whether or not an access device is used.
General disclosures applicable to all electronic services offered by us is given below, with certain specific disclosure information for
each service following in separate sections.
Section 1. General Disclosures Applicable to All Electronic Services
1. The terms and conditions applicable to certain EFT services we provide to you will be provided to you separately as part of your
enrollment in those services; these include our Online Banking, Bill Payment, and Zelle® Network User Agreement disclosures pro-
vided to you at the time you enroll in the service or before the first EFT is made involving your account.
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2. “Card” means the ATM card and debit card. “Access Code” means a password or identification number used to access your
account(s) or EFTs. “PIN” means a personal identification number; you may be issued a PIN for access to your card(s) or any other
EFT service, such as Automated Telephone Banking.
3. Your use of the electronic services is subject to our approval.
4. Business Day Disclosure: Our business days are Monday through Friday, except federal holidays. Our business hours, branch hours
and holiday schedules may be obtained through our website at https://www.firsttechfed.com or by contacting us at 855.855.8805.
Our proprietary ATMs are generally available twenty-four (24) hours a day, seven (7) days a week, with minor interruptions for system
maintenance or technical difficulties. Automated Telephone Banking, Online Banking and Bill Payment are generally available for
your convenience twenty-four (24) hours a day, seven (7) days a week, with minor interruptions for system maintenance or technical
difficulties, including those of the internet service provider and internet software.
5. Right to Receive Documentation of Transactions:
a. Terminal Transfers: In most cases, you will receive a receipt at the time you make any transfer to or from your account using an
ATM or when you make a purchase using a POS terminal. You should retain this receipt to compare with your statement from us.
However, a receipt may not be provided for transfers of $15.00 or less.
b. Periodic Statements: You will receive a monthly account statement for each month in which an EFT is made (but at least a quar-
terly statement if no transfers are made). You agree to immediately review each periodic statement mailed or otherwise made
available to you to ensure that each and every transaction has been authorized by you. Your failure to promptly report any alleg-
edly unauthorized transaction may result in future allegedly unauthorized transactions to be considered authorized.
6. In Case of Errors or Questions about Your Electronic Services Transactions on a Consumer Account: This paragraph 6 only
applies to consumer accounts. In case of errors or questions about your electronic services transactions on a consumer account,
notify us immediately by telephone toll-free at 855.855.8805 or writing to us at First Technology Federal Credit Union, PO Box 2100,
Beaverton, OR 97075-2100. If you think your periodic statement or receipt is wrong or if you need more information about a transac-
tion listed on your periodic statement or receipt, you can also contact us as provided above. We must hear from you no later than
sixty (60) days after we send you the first (1st) periodic statement on which the problem or error appeared. You must:
a. Tell us your name and account number;
b. Describe the error or the transaction you are unsure about and explain, as clearly as you can, why you believe it is an error or why
you need more information; and
c. Tell us the dollar amount of the suspected error.
If you tell us orally by phone or visiting a branch, we may require that you send us your complaint or question in writing within ten (10)
business days.
We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly.
If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. If we decide to do
this, we will provisionally credit your account 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, and within two (2) business days of the provisional
crediting will notify you of the amount and date of the provisional crediting. If we ask you to put your complaint in writing and we do
not receive it within ten (10) business days, we may not credit your account.
For errors involving new accounts, Point-of-Sale, or transactions initiated outside of the United States, we may take up to ninety
(90) days to investigate your complaint or question. For new accounts, we may take up to twenty (20) business days to provisionally
credit your account for the amount you think is in error. Your account is considered a “new account” for the first thirty (30) days after
the first deposit is made, unless you already have an established account with us which has been open for at least thirty (30) days
before this account is opened.
We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we
will send you a written explanation. If we provisionally credited your account, we will reverse the provisional credit and notify you of
the date we reversed the credit and the amount of the debit. You may ask for copies of the documents that we used in our investiga-
tion.
7. Your Liability for Unauthorized Transactions on a Consumer Account and Advisability of Prompt Reporting: This paragraph
7 only applies to consumer accounts. You are responsible for all transfers you authorize using the electronic services described
in this Account Agreement. If you permit other persons to use your card, PIN(s), and/or Access Code, you are responsible for any
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transactions that person authorizes or conducts on any of your accounts, even if that person exceeds your authority. However, you
must tell us IMMEDIATELY if you believe your card, PIN(s), and/or Access Code have been lost or stolen or if you believe that an EFT
has been made without your permission using information from your check. Telephoning is the best way of minimizing your possible
losses. A written notification to us should follow your telephone call. You could lose all the money in your account (plus any available
credit for any line of credit used for Overdraft Protection, if you have any linked). However, if you believe your card, PIN(s), and/or Ac-
cess Code have been lost or stolen, and you tell us within two (2) business days after you learn of the loss or theft, you can lose no
more than $50.00 if someone used your card, PIN(s), and/or Access Code to access your account 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, PIN(s), and/or Access Code and we
can prove we could have stopped someone from using your card, PIN(s), and/or Access Code without your permission if you had
told us, you could lose as much as $500.00.
Also, if your statement shows transfers that you did not make, including those made by card, PIN, or other means, you must tell
us IMMEDIATELY. If you do NOT tell us within sixty (60) days after the statement was sent, you may not get back any money you
lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in
time.
If you can document that a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the time period.
8. Additional Mastercard® Zero Liability Protection: You will not be liable for unauthorized transactions using your Mastercard® con-
sumer or business debit card if: (a) you can demonstrate you have used reasonable care in protecting your card from loss or theft;
and (b) you promptly reported the loss or theft to us upon becoming aware of the loss or theft.
9. How to Notify the Credit Union in the Event of an Unauthorized Transaction: If you believe your card(s), PIN(s), or Access Code(s)
have been lost or stolen or that someone will or may use it to transfer money from your account(s) without your permission, you must
notify us by telephone toll-free at 855.855.8805 or in writing at First Technology Credit Union, PO Box 2100 Beaverton, OR 97075-
2100 or call the number listed on your card or periodic statement.
You should also call the number or write to the address listed above if you believe a transfer has been made using the information
from your check without your permission.
10. Our Liability for Failure to Make or Complete Electronic Fund Transfers: If we do not properly complete an EFT to or from your
account on time or in the correct amount according to our agreement with you, we may be liable for your losses and damages. How-
ever, there are some exceptions. We will not be liable, for instance, if:
a. Circumstances beyond our control (such as fire, flood, earthquake, electrical failure, malfunction of central data processing facility,
etc.) prevent the transaction, despite reasonable precautions that we have taken;
b. Delays in processing and/or payment are caused by third party software and/or services;
c. Through no fault of ours, you do not have enough money in your account (or sufficient collected funds) to complete the
transaction(s);
d. The funds in your account are subject to an uncollected funds hold, legal process, or other circumstances restricting such trans-
action or payment;
e. We received incorrect or incomplete information from you or from third parties (e.g., the U.S. Treasury, an ACH, or a terminal
owner);
f. The ATM or network system was not working properly, and you knew about this breakdown when you started the transaction;
g. The ATM where you were conducting the transaction did not have enough cash or cash in the denominations you requested;
h. Your card, PIN, or Access Code you provide is incorrect or incomplete, has been reported lost or stolen, has expired, is damaged
so that the mechanical device cannot read the encoding strip or chip, is inactive due to non-use, is retained by us due to your
misuse or suspected fraudulent activities, is retained by us at your request, or your card, PIN, or Access Code has been repeat-
edly entered incorrectly;
i. The transaction would exceed an unused line of credit limit or other account transaction limits;
j. Our failure to complete the transaction or the placement of a block on your account is done to protect the security of your ac-
count and/or the electronic terminal system;
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k. You make an error in keying your deposit at an ATM or through the Online Banking system (and if you make such error, we are
not responsible for returned checks, forfeited dividends, and other consequences which may result);
l. The payee mishandles or delays a payment sent by the Bill Payment Service;
m. You have not provided our Bill Payment Service provider with the correct names, phone numbers, or account information for
those persons or entities to whom you wish to direct payment; or
n. Any transaction is prohibited by law, regulation, court order, or would be considered illegal activity.
There may be other exceptions not specifically mentioned above.
Provided that none of the foregoing exceptions to the service performance obligations are applicable, if we cause an incorrect
amount of funds to be debited from your account, or caused funds from your account to be transferred to a person or entity which
does not comply with your bill payment instructions, we will be responsible for returning the improperly transferred funds to your
account and for directing to the proper recipient any previously misdirected bill payments or transfers.
THE FORGOING CONSTITUTES OUR ENTIRE LIABILITY AND YOUR EXCLUSIVE REMEDY. IN NO EVENT WILL WE BE LIABLE
FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING LOSS OF
PROFITS (EVEN IF ADVISED OF THE POSSIBILITY THEREOF) ARISING IN ANY WAY OUT OF THE INSTALLATION, USE, OR
MAINTENANCE OF ANY EQUIPMENT, SOFTWARE, AND/OR SERVICE.
11. PIN and Access Code Use and Security: You understand that you cannot use your ATM card, debit card or other electronic transac-
tions contemplated hereunder without the applicable PIN or Access Code. You are responsible for the safekeeping of your PIN(s)
or Access Code provided by us or selected by you and for all transactions by use of a PIN or Access Code. Your use of a PIN or
Access Code is your authorization to us to withdraw funds from your share savings account or share draft account to cover such
transactions. Your PIN(s) and Access Code are confidential and should not be disclosed to third parties or recorded. You will notify
us immediately and send written confirmation if your PINs or Access Code are disclosed to anyone other than the joint owner of
your account. You understand and agree that you must change the PIN or Access Code immediately to prevent transactions on your
account(s) if anyone not authorized by you has access to the PIN or Access Code. If you disclose your PIN(s) or Access Code to any-
one, however, you understand that you have given them access to your account(s) and you are responsible for any such transaction.
If you authorize anyone to use your PIN or Access Code in any manner that authority will be considered unlimited in amount and
manner until you specifically revoke such authority by notifying the Credit Union and changing your PIN or Access Code immedi-
ately. You are responsible for any transactions made by such persons until you notify us that transactions and access by that person
are no longer authorized and your PIN or Access Code is changed.
12. Card Safety Precautions: YOU MUST KEEP YOUR CARD IN A SAFE PLACE AND PERMIT NO UNAUTHORIZED PERSON TO USE
IT. YOU MUST NOT DISCLOSE YOUR ATM PIN TO ANY UNAUTHORIZED PERSON OR WRITE IT ON YOUR CARD, CARRY IT IN
YOUR WALLET OR PURSE, OR OTHERWISE MAKE IT AVAILABLE TO ANYONE ELSE; YOU WILL IMMEDIATELY REPORT ANY
LOSS OR THEFT OF YOUR CARD. IF YOU AUTHORIZE US TO ISSUE A CARD (OR ANY OTHER ACCESS DEVICE) TO ANYONE
ELSE, YOU AUTHORIZE THAT INDIVIDUAL TO WITHDRAW FUNDS FROM YOUR ACCOUNT(S) WHICH CAN BE ACCESSED BY
THE CARD REGARDLESS OF WHETHER THAT INDIVIDUAL IS AUTHORIZED TO WITHDRAW MONEY FROM THE ACCOUNT BY
ANY MEANS OTHER THAN BY USE OF THE CARD.
13. All transactions affected by use of Electronic Check Transactions, cards, or other electronic transaction contemplated hereunder
which would otherwise require your actual signature, or other authorization, will be valid and effective as if actually signed by you
when accomplished by use of an Electronic Check Transaction, the card(s) and/or PIN(s), or as otherwise authorized under this Ac-
count Agreement.
14. Fees for EFTs: All fees associated with your EFTs are disclosed in the Fee Schedule/Sheet. Any fees charged will be deducted from
your share draft or share savings account. The Credit Union reserves the right to increase or add new fees at a future date after we
give you notice of such fees as required by law.
15. If you have been issued an additional card for a joint owner, co-owner, or authorized user or authorized signer on your account,
any applicable transaction fees outlined in the Fee Schedule/Sheet will be based on combined transactions. Withdrawals from
more than one account or additional withdrawals from the same account during a single access will be counted as multiple with-
drawals. Generally, transaction fees will be charged to your account within two (2) business days from the day they are incurred.
The fee may not be recorded on the transaction receipt produced by the ATM, but it will be itemized on your monthly statement.
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16. If you use an ATM that is not operated by us (a “non-proprietary ATM”), you may be subject to additional fee(s) imposed by another
financial institution, merchant, and/or by an automated transfer network. You may be charged a fee for a balance inquiry even if you
do not complete a funds transfer. This practice is known as “surcharging” and is in addition to any ATM fees charged by us.
17. The Credit Union may also charge fees as disclosed in the Fee Schedule/Sheet for each transaction you perform at non-proprietary
ATMs; for example, if you withdraw money at a non-proprietary ATM, you may be charged a fee. Such fees would only apply to some
products and are subject to limitations as disclosed in the Fee Schedule/Sheet.
18. Termination or Suspension of Electronic Services. You may, by written request, terminate any of the electronic services provided
for in this Account Agreement. Termination by any one account owner will be binding on all account owners and we are not required
to notify other account owners of the termination; however, if you ask us to terminate your account or the use of any electronic
service, you will remain liable for subsequent transactions performed by any other party to your account. Termination of electronic
service(s) does not terminate your account(s) or agreement(s) with us and will not affect your authorization for transfers and pay-
ments made prior to termination. Upon termination of electronic service(s), the Credit Union will endeavor to cancel any applicable
account transactions you have previously authorized, provided that the Credit Union makes no guarantee that it will be able to do so.
You will be solely responsible for any fees that apply to any such cancellation.
We reserve the right to terminate your access to the electronic services, in whole or in part, at any time and for any reason. In addi-
tion, electronic services may be suspended, without advance notice, if there are insufficient funds in any one of your accounts or if
any of your accounts are not in good standing (as defined in Part V below). After suspension, electronic services may be reinstated,
at our discretion, once there are sufficient funds in your account(s) to cover any fees and other transfers and debits.
Section 2: Additional Disclosures Applicable to ATM Cards and Debit Cards
The disclosures in this section apply to the use of your card to conduct EFTs, including, but not limited to, use of the card at ATMs
and POS terminals. By use of your card at a participating POS terminal, you authorize us to make withdrawals from your designated
account for cash advances and/or purchases. Access to ATMs is through the use of a card and a PIN.
1. Ownership of Card: The card remains our property, and you agree to surrender the card to us upon demand. We may cancel,
modify, or restrict the use of any card upon proper notice or pursuant to the Limitation of Services provisions in Part V. We may also
cancel, modify, or restrict the use of any card without prior notice if: (a) any of your accounts have a negative balance that is not paid
immediately; (b) you use your card in a manner which may cause a loss to us; (c) your account is inactive; (d) any mail sent to your
address is returned to us as undeliverable; (e) any email sent to you by us is returned as undeliverable; (f) your account has one (1) or
more NSF return items or transactions; (g) we are aware that you have violated any term of this Account Agreement, whether or not
we suffer a loss; or (h) where necessary to maintain or restore the security of your account(s) or the POS system. We also reserve the
right to recall the card through retrieval by any of the ATMs.
2. ATM Transactions: The following transactions are available when using an ATM card, debit card, or HSA debit card and the PIN at
ATMs:
a. Deposits to your share savings account(s) and share draft account(s) using an ATM card, debit card, and HSA card;
b. Withdrawals from your share draft account(s) and share savings account(s) using an ATM card or debit card;
c. Transfer funds between your share draft account(s) and share savings account(s) using an ATM or debit card;
d. Get information about your share draft or share savings account balances with an ATM card, debit card, or HSA debit card;
e. Transfer funds from your personal line of credit to your share draft account(s) or share savings account(s) using an ATM or debit
card.
Some of the above transactions may not be available at all terminals.
3. Limitations on Frequency and Dollar Amounts of Transactions: For security reasons, in the event your card or PIN is lost or stolen,
there are limits on the dollar amount of transactions you can make at a POS terminal or ATM.
4. Safety Tips for Using an ATM or POS Terminal: When using your card, you should observe the following precautions:
a. Be aware of your surroundings, particularly at night;
b. Consider having someone accompany you when using the ATM or POS terminal after dark;
c. Have your card ready in your hand as you approach the ATM, rather than waiting to get to the ATM or POS terminal to take it out
of your purse or wallet;
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d. Be careful that no one can see you enter your PIN, by using your other hand or body to shield the ATM/POS terminal keyboard as
you enter your PIN;
e. Put away cash as soon as the transaction is completed, do not display it, and do not count the cash until later in the safety of your
vehicle or home;
f. If you notice anything suspicious when approaching the ATM, defer the transaction until later or use another ATM or POS termi-
nal;
g. If you notice anything suspicious while transacting business, immediately cancel the transaction and put your card away;
h. Visually inspect the ATM for possible skimming devices. Potential indicators can include sticky residue or evidence of an adhe-
sive used by criminals to affix the device, scratches, damaged or crooked pieces, loose or extra attachments on the card slot, or
noticeable resistance when pressing the keyboard;
i. To keep your account information confidential, always take your receipts or transaction records with you; and
j. Immediately report all crimes to the ATM or POS terminal operator and local law enforcement officials.
5. Right to Receive Documentation of Transactions: Generally, you will receive a receipt at the time you make an ATM transaction.
You should retain this receipt and compare it with your statement.
6. Making Electronic Funds Transfers: You agree to follow the instructions posted or otherwise given by us or the network ATM sys-
tems concerning the use of the ATMs.
7. Funds Availability: You understand and agree that we accept deposits at an ATM subject to verification and collection by us and
such deposits may only be credited or withdrawn in accordance with the Funds Availability Policy.
Subsection A - Foreign Transactions and Charges
1. If you effect a transaction with your debit card in a currency other than U.S. dollars, Mastercard ® will convert the charge into a U.S.
dollar amount. The conversion to U.S. dollars will be made in accordance with Mastercard® operating regulations for international
transactions. In the event that an international transaction is converted to U.S. dollars, the exchange rate between the transaction
currency and the billing currency used for processing international transactions will be: (a) a rate selected by Mastercard® from the
range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate
Mastercard® itself receives; or (b) the government-mandated rate for the applicable central processing date. The processing date on
which the exchange rate is applied may differ from the date you used your debit card or the date the transaction posted to your ac-
count. When a credit to the account does not fully offset a charge to the account due to changes in the rate, you are responsible for
the difference.
Mastercard® charges us a Currency Conversion Assessment of twenty (20) basis points (0.2% of the transaction amount) for per-
forming the currency conversion. In addition, Mastercard® charges us an Issuer Cross-Border Assessment of ninety (90) basis points
(0.9% of the transaction amount) on all cross-border transactions, regardless of whether there is a currency conversion. A cross-
border transaction is a transaction processed through the Global Clearing Management System or the Mastercard® Debit Switch
in which the country of the merchant is different than the country of the cardholder; for example, if you initiate a debit card transac-
tion over the Internet while here in the United States but the merchant’s country or the merchant processor’s country is outside the
United States, this transaction will be considered a cross-border transaction. The fee we charge you for international transactions
and currency conversion are disclosed on the Fee Schedule/Sheet.
Subsection B - Additional Disclosures Applicable to Point-Of-Sale Transactions
1. You may not stop payment on a completed electronic Point-of-Sale (“POS”) transaction debiting your account.
2. Types of Available Transactions and Limits on Transactions: By use of your card with your PIN or signature at a participating POS
terminal, you authorize us to make withdrawals from your share draft account for cash advances and/or purchases.
3. Account Access at a POS Terminal: ATM, debit, and HSA Debit Card(s) may be used to access your share draft accounts from any
merchant location that accepts the Mastercard® debit card, to purchase goods or services in person, online, or by telephone. You
may use your card to withdraw cash from your share draft account by way of a cash advance from merchants, financial institutions,
or others who honor the card. You understand that your card is not a credit card and does not provide “credit.”
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4. Limitations on Frequency and Dollar Amounts of ATM, Debit Card, and HSA Debit Card Transactions: You may make cash ad-
vances and purchases only to the extent that you have available funds in your share draft account subject to applicable daily limita-
tions on POS ATM card, debit card, and HSA debit card transactions.
5. Limitations on Debit Card Transactions: The merchant may be required to obtain an authorization from us for any transaction over a
certain dollar amount. The available balance in your account will be reduced by the amount of any transaction for which the mer-
chant receives authorization from us, even if we have not yet received or processed the documentation evidencing the transaction.
When the transaction has cleared through us, any hold placed on your account for the amount of the transaction will be released
and your account will be debited for the amount of the transaction. We are not responsible if we do not authorize or if we dishonor
other POS, ATM, or check transactions drawn on your account while a hold is placed on your account.
6. Right to Receive Documentation: Generally, you will receive a receipt from the merchant or financial institution at the time you make
a purchase or obtain a cash advance from your share draft or regular share savings account. You should retain these receipts to
compare with your statement.
7. Card Claims and Transaction Questions: When you authorize other parties to debit your account, you are responsible for these
transactions. Thus, you may have to contact these parties directly if you have questions or complaints about your transactions. Any
claims concerning property or services purchased with your card must be resolved by you directly with the merchant or seller who
accepted the card. We will not be able to help you because we only have the information received from the other party. Any claim
or defense that you assert will not relieve you of your obligation to pay us the total amount of the sales slip. You are not permitted to
stop payment on any purchase made through the use of your card.
8. Debit Card Purchase Returns and Adjustments: Any refund to you by a merchant or seller of goods or services may be made on a
credit voucher signed by you and submitted to us by the merchant or seller, or through a cash refund. If a refund is made by credit
voucher, the amount of your credit will be indicated on your share draft account statement.
9. Use of Debit Card: The use of your debit card shall be through PIN activation or your signature. You agree that all transactions made
with your authorized PIN or signature utilization are made by you, and you accept all financial liability for such transactions. You also
agree to sign your signature in the space provided on your debit card for additional security and protection. You agree to keep your
PIN protected as required under this Part III.
10. Transaction Fees: Merchants and institutions other than the Credit Union may charge transaction fees for your transactions with
them. These fees will be included in the amount of the transaction as it appears on your statement.
Section 3: Additional Disclosures Applicable to Electronic Check Transactions
If you have authorized a one-time transfer of funds from your account via ACH where you have provided a paper check or check
information to a merchant or other payee in person, by telephone, or via the Internet, to capture the routing, account, and serial
numbers to electronically initiate the transfer (an “Electronic Check Transaction”), the following applies to you:
1. Types of Available Transactions: You may authorize a merchant or other payee to make a one-time Electronic Check Transaction
from your share draft account using information from your check to (1) pay for purchases or (2) pay bills. You may also authorize a
merchant or other payee to debit your share draft account for returned check fees or returned debit entry fees.
2. You may make such a payment via ACH where you have provided a paper check to enable the merchant or other payee to capture
the routing, account, and serial numbers to initiate the transfer, whether the check is blank, partially completed, or fully completed
and signed; whether the check is presented at POS or is mailed to a merchant or other payee or lockbox and later converted to
an EFT; whether the check is retained by the consumer, the merchant, other payee, or the payee’s financial institution; or you have
provided the merchant or payee with the routing, account, and serial numbers by telephone or via the Internet to make a payment or
a purchase.
3. Account Access: Electronic Check Transactions may only be made from your share draft account.
4. Limitations on Dollar Amounts of Transactions: You may make Electronic Check Transactions only to the extent that you have avail-
able funds in your share draft account.
Section 4: Additional Disclosures Applicable to ACH Transactions
1. Account Access: You may use our ACH services to make one-time and recurring ACH deposits and payments. If you schedule your
preauthorized payment due date to occur on a non-business day, it will be sent out on the next business day.
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2. Types of Transactions: You may use our ACH services to perform the following transactions:
a. Make a deposit to your share savings or share draft account;
b. Pay bills directly from your share savings or share draft account in the amounts and on the day, you request;
c. Make loan payments;
d. Authorize a merchant or other payee to make a one-time electronic payment from your share draft account using information
from your check to pay bills or pay for purchases; and
e. Authorize a merchant or other payee to debit your share draft account for returned check fees or returned debit entry fees.
All payments and deposits are subject to later verification by us.
3. Direct Deposit: If you have arranged to have direct deposits made to your account at least once every sixty (60) days from the same
person or company, you can call us toll-free at 855.855.8805 to find out whether or not the deposit has been made. For accounts
that can only be accessed by preauthorized or direct deposits, we will provide a periodic statement to you at least monthly.
4. Right to Stop Payment and Procedure for Doing So: You can place a stop payment on a recurring payment through our Online
Banking system, by writing to us at PO Box 2100, Beaverton, OR 97075-2100 or you may ask us verbally by phone toll-free at
855.855.8805 or visiting a branch at least three (3) business days or more before the next payment from your account is scheduled
to be made. If you call and tell us verbally by phone or visiting a branch, we may also require you to put your request in writing and
get it to us within fourteen (14) days after you call or the stop payment order will cease to be binding. We will charge you a fee for
each stop payment order you give as set forth in the Fee Schedule/Sheet.
If you stop payment on a preauthorized payment from your account and that payment is a recurring debit, the stop payment applies
only to that particular payment. You are not revoking authorization for the third party to receive the recurring payment. If you have
requested to cancel the entire preauthorized payment authorization, you understand and agree that you must also contact the third
party to cancel (revoke) the entire preauthorized payment authorization and provide us with a copy of your written revocation notice
to the third party.
5. Initial Authorization: You can get copies of the preauthorized payment documentation from the payee at the time you give them the
initial authorization.
6. Notice of Varying Amounts: If recurring payments vary in amount, the payee is required to tell you the amount and date of the next
payment at least ten (10) days before the payment due date. You may choose to get this notice from your payee only when the pay-
ment would differ by more than a certain amount from the previous payment or when the amount would fall outside certain limits
that you set.
7. Our Liability for a Failure to Stop Payment: If you place a stop payment order three (3) or more business days or more before the
transfer is scheduled, and we still pay, we will be liable for your losses or damages.
Section 5: Additional Disclosures Applicable to Automated Telephone Banking Transactions
1. Account Access: You may use our Automated Telephone Banking services to access your account(s) using your Access Code.
2. Types of Transactions: you may use our Automated Telephone Banking services to perform the following transactions:
a. Review account and loan balance and transaction information, including checks cleared by number, dividends, and loan interest
amounts, last payment on a loan and payment due date information;
b. Transfer funds between your share draft, share savings, and credit card and line of credit accounts, including making loan pay-
ments and taking line of credit advances to share draft or share savings accounts;
c. Withdraw funds from your share draft or share savings account(s) by check, made payable to you and mailed to you at your mail-
ing address of record; and
d. Other transactions as offered and permitted in the future.
3. Automated Telephone Banking Service Limitations: Automated Telephone Banking requires use of touchtone and is generally avail-
able seven (7) days a week, twenty-four (24) hours a day, subject to interruption due to scheduled maintenance, technical issues, or
for security reasons.
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Part IV – Funds Transfer Agreement and Notice

1. This Funds Transfer Agreement and Notice (“Funds Transfer Agreement”) contains several notices which the Credit Union is re-
quired to provide to you and establishes other terms of agreement which will apply to all funds transfers which involve you and the
Credit Union, as governed by the applicable Uniform Commercial Code and federal Regulation J, Subpart B. Using the Credit Union
to send or receive funds transfers shall constitute your acceptance of all of the terms and conditions contained in this Funds Transfer
Agreement.
To the extent that the terms contained in this Funds Transfer Agreement are different than those in any other agreement or terms of
account, this Funds Transfer Agreement shall control and be deemed to modify such other agreements or terms of account. If any
part of this Funds Transfer Agreement is invalid, illegal, or unenforceable, the remaining provisions shall remain in full force and ef-
fect.
2. This Funds Transfer Agreement applies to Funds Transfer as defined in the Article 4A of the applicable Uniform Commercial Code
and Subpart B of Regulation J of the Board of Governors of the Federal Reserve. This law and regulation cover the movement of
funds by means of wire transfers, ACH credits and some book transfers on the Credit Union’s records.
3. The Credit Union may establish or change cut-off times for the receipt and processing of funds transfer requests, amendments, or
cancellations. Unless other times are posted for the various types of funds transfers, the cut-off time for wire transfers will be 2:00
pm PT on each business day that the Credit Union is open which is not a federal holiday for domestic transfers, while international
transfers must be received by 12:00 pm PT. Payment orders, cancellations, or amendments received after the applicable cut-off time
may be treated as having been received on the next following business day and processed accordingly.
4. We may charge your account for the amount of any funds transfer initiated by you or by any person authorized by you with the right
of access to the account from which the funds transfer is to be made (collectively, your “Authorized Agents”). You must provide us
with a complete list of your Authorized Agents at the time the funds transfer is initiated, as only you and your Authorized Agents will
be permitted to initiate funds transfers from your account(s) at the Credit Union. You understand and agree that you are fully respon-
sible for all transactions conducted by your Authorized Agents, regardless of whether such transactions are authorized by you or
exceed the amounts of any transaction authorized by you. You must promptly notify the Credit Union of any changes in your Autho-
rized Agents by providing written notification of such change. Changes in Authorized Agents by you shall be effective the business
day following receipt of written notice or a new Funds Transfer Agreement.
If you have designated a specific account with us as a source of payment for payment orders, and related charges, you authorize us
to charge such account for payment orders and related charges. If no such authorized account is designated, any account you main-
tain with us is an authorized account to the extent that payment of the payment order is not inconsistent with the use of the account.
5. As detailed more fully in our separate wire transfer form, the Credit Union may establish, from time to time, security procedures to
verify the authenticity of a payment order. You understand and agree that the Credit Union may amend the security procedure(s).
You will choose between one of the security procedures that we offer to be used to verify payment orders issued by you or for
which your account will be liable. You agree that the authenticity of payment orders may be verified using the security procedure(s)
unless you notify the Credit Union in writing that you do not agree to the security procedure(s). In that event, we shall have no
obligation to accept any payment order from you or the Authorized Agents on the account until you and we agree, in writing, on
an alternative security procedure. Provided we comply with security procedure(s), you will be liable for payment of the transferred
amount plus transfer fees, even if the transfer request was not actually transmitted or authorized by you. If we do not follow the secu-
rity procedure(s) but can prove the transfer request was originated by you, you will still be liable for the transfer amount plus transfer
fees. You authorize us to record electronically or otherwise any telephone calls relating to any transfer under this Funds Transfer
Agreement.
6. If you send or receive a wire transfer, Fedwire may be used. Regulation J is the law governing all Fedwire transactions. This means
that your rights and liabilities with regard to a wire transfer involving Fedwire will be governed by Regulation J. We shall be excused
from delaying or failing to execute a funds transfer if it would result in us exceeding any limitation on our intra-day net funds posi-
tion established through Federal Reserve guidelines or if it would result in violating any present or future risk control program of the
Federal Reserve or a rule or regulation of other governmental regulatory authorities.
7. If you give the Credit Union a payment order which identifies the beneficiary (recipient of the funds) by both name and identifying ac-
count number, payment may be made by the beneficiary’s financial institution on the basis of the identifying account number, even
if the number identifies a person different than the named beneficiary. This means that you will be responsible to us if the funds
transfer is completed on the basis of the identifying account number you provided to us.
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8. If you give us a payment order which identifies an intermediary or beneficiary’s financial institution by both name and an identifying
number, a receiving bank may rely on the number as the proper identification even if it identifies a different person/entity than the
named financial institution. This means that you will be responsible for any loss or expense incurred by the receiving financial institu-
tion, which executes or attempts to execute the payment order in reliance on the identifying number you provided.
9. We shall not be liable for acts or omissions by you or any other person including, without limitation, any funds transfer system, any
Federal Reserve Bank, any beneficiary’s financial institution, and any beneficiary, none of which shall be deemed our agent.
10. We may give you credit for ACH payments before we receive final settlement of the funds transfer. Any such credit is provisional un-
til we receive final settlement of the payment. You are hereby notified and agree that, if we do not receive such final settlement, we
are entitled to a refund from you of the amount credited to you in connection with that ACH entry. This means that we may provide
you with access to ACH funds before we actually receive the money. However, if we do not receive the money, then we may reverse
the entry on your account, you would be liable to repay us, and you may be charged a fee as disclosed in the Fee Schedule/Sheet.
11. ACH transactions are governed by the operating rules of the National Automated Clearing House Association. In accordance with
these rules, we will not provide you with next-day notice of receipt of ACH credit transfers to your account. You will continue to
receive notices of receipt of ACH items in your periodic account statements.
12. If we receive a funds transfer for you or for other persons authorized to have access to your account, you agree that we are not
obligated to provide you with next-day notice of the receipt of the funds transfer. We will provide you with notification of the receipt
of all funds transfers by including such items in your periodic account statements. You may, of course, inquire between receipts of
periodic statements whether or not a specific funds transfer has been received.
If we receive notice that a wire transfer transmitted by us has been rejected, we shall notify you of such rejection including the rea-
son given for rejection by telephone, electronic message, or U.S. mail. We will have no further obligation to transmit the rejected wire
transfer if it complied with this Funds Transfer Agreement with respect to the original transfer request.
Except to the extent required by applicable law, you shall have no right to cancel or amend any transfer request after it is received by
us; however, we shall use reasonable efforts to act on a cancellation or change request as long as it is received from you in accor-
dance with the agreed-upon security procedures. We shall have no liability if the cancellation or change is not affected.
13. If we become obligated under Article 4A of the applicable Uniform Commercial Code to pay interest to you, you agree that the rate
of interest to be paid shall be equal to the dividend rate, on a daily basis, applicable to the account at the Credit Union to which the
funds transfer should have been made or from which the funds transfer was made.
14. We may, in our sole discretion, reject any funds transfer request. For example, we may refuse any funds transfer request which (1) ex-
ceeds the collected and available funds on deposit in your designated account(s); (2) is not authenticated to our satisfaction or which
we reasonably believe may not be authorized by you; (3) contains incorrect, incomplete, or ambiguous information; (4) involves funds
subject to a lien, hold, dispute or legal process pending their withdrawal; or (5) involves a transfer that is prohibited under applicable
law, rule, or regulation. You understand and agree that we shall incur no liability for any loss occasioned by our refusal to accept any
funds transfer order.
15. We shall have the right to charge the amount of any funds transfer request to any of your accounts at the Credit Union in the event
that no account is designated, or in the event that a designated account has insufficient collected funds to cover the amount of the
funds transfer request. We may charge a service fee for services relating to the sending or receiving of the funds transfer request.
Such fees are set forth in the Credit Union’s Fee Schedule/Sheet, which is incorporated by this reference.
16. If you initiate a funds transfer request denominated in United States dollars for transfer to a foreign country, we may transfer pay-
ment in the currency of the beneficiary bank’s country at our buying rate of exchange to United States dollars. If the transfer is
returned for any reason, you agree to accept the refund in United States dollars in the amount of the foreign money credit, based on
the then-current buying rate of the bank converting the currency to United States dollars at the date of refund, less any charges and
expenses we incur.
17. If we have received payment from you with respect to a payment order issued in your name as sender and accepted by us, and
you received notification reasonably identifying the order, you are precluded from asserting that we are not entitled to retain the
payment unless you notify us of your objection to the payment within one (1) year after the notification was received by you. How-
ever, if your account is maintained in the state of Texas or Minnesota, this period within which you must notify us of your objection
to the payment will be sixty (60) days instead of one (1) year.
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18. You must exercise reasonable care in reviewing all payment orders or communications amending or cancelling a payment order to
determine whether they include any errors (such as an erroneous amount or beneficiary) and confirm they are authorized and en-
forceable, and if you find any errors, you must promptly notify us. Except as expressly prohibited by applicable state and federal laws
and regulations, you understand and agree that we will not be liable for any loss or liability arising from (a) any unauthorized transfer
or interest thereon (including, but not limited to, fraudulent transfers and/or a transfer which we failed to abide by the agreed upon
security procedures) which you fail to report to us within fourteen (14) days after your receipt of notification we have accepted or
executed on the payment order or amendment thereto, or notice that your account was debited with respect to the payment order
or amendment; (b) any negligent or intentional action or inaction on the part of any person not within our reasonable control, includ-
ing, but not limited to, the failure of other financial institutions to provide accurate or timely information; (c) the failure of other financial
institutions to accept a funds transfer order; (d) your negligent or intentional action or inaction and/or breach of this Funds Transfer
Agreement; (e) any ambiguity or inaccuracy in any instruction given to us by you or your Authorized Agent; or (f) any error, failure or
delay in execution of any funds transfer instruction, or cancellation or amendment caused by circumstances beyond our reasonable
control, including, but not limited to, any computer or communication facilities malfunction.
19. Except as otherwise provided by applicable state or federal laws or regulations, our liability for any negligent or intentional action or
inaction in connection with any funds transfer request shall be limited to your direct loss and payment of interest. UNDER NO CIR-
CUMSTANCES SHALL WE BE LIABLE FOR ANY LOST PROFITS, CONSEQUENTIAL, INDIRECT, PUNITIVE OR SPECIAL DAMAGES
WHICH YOU MAY SUFFER IN CONNECTION WITH THIS AGREEMENT AND/OR ANY FUNDS TRANSFER REQUEST.
20. Subject to applicable state and federal laws and regulations, we may amend the terms of this Funds Transfer Agreement at any time.
By thereafter using or continuing to use our funds transfer services, you agree to such amendments.
Part V – Member Conduct and Limitation of Services Policy

1. The privilege of Credit Union services available to members (and in some instances the privilege of membership) must be reserved
for members who are in “good standing” (as described and defined in our Limitation of Services and Termination of Membership
Corporate Policy, as such policy is amended or modified from time to time). We have implemented a separate Limitation of Servic-
es and Termination of Membership Corporate Policy (as such policy is amended or modified from time to time) that is maintained
on our public website at https://www.firsttechfed.com, which you should review carefully. In the event of any conflicts between the
terms of this Account Agreement and the terms of the Limitation of Services and Termination of Membership Corporate Policy
(as such policy is amended or modified from time to time), the terms of the Limitation of Services and Termination of Membership
Corporate Policy (as such policy is amended or modified from time to time) shall control.
2. The Credit Union will notify you in writing of the restriction or termination of services and the basis for the restriction or termina-
tion thirty (30) days prior to enforcement of such action. In the event of suspected fraud, negative balance, or loss, the account
may be immediately frozen or terminated, and you may be then notified of the basis for the restriction or termination of the ac-
count.
3. These limitations will not prohibit you from exercising your rights under federal or state law or regulation.
Part VI – Amendments and Modifications

1. Subject to applicable federal and state laws and regulations, we may amend, restate, replace, supplement, change, eliminate provi-
sions, add new provisions, or otherwise modify this Account Agreement at any time.
F-00011 240524

Funds Availability Policy
Throughout this Funds Availability Policy, the words “you,” “your,” and “yours” mean each and all of those (whether one
or more persons) who are subject to the Funds Availability Policy. The words “we,” “us,” or “Credit Union” mean First
Technology Federal Credit Union. This Funds Availability Policy provides the rules regarding when First Technology Federal
Credit Union makes funds deposited into your “transaction accounts” and share savings accounts at the Credit Union
available for withdrawal. A “transaction account” is an account from which an account holder is permitted to make transfers
or withdrawals by negotiable or transferable instrument, payment order of withdrawal, telephone transfer, or other similar
device for the purpose of making payments or transfers to third persons or others or from which the depositor may make
third party payments at an automated teller machine (“ATM”) or a remote service unit, or other electronic device, including by
debit card; your share draft accounts with us are transaction accounts. In many cases, we make funds from your deposited
items available earlier than we are able to collect on the items. If funds from a deposit become available, this is not an
indication that the item has cleared, or has been paid by the paying financial institution. It is possible that the item may
be returned after the funds have been made available, and the funds will be charged back to the account in which it was
deposited. This Funds Availability Policy is subject to change upon thirty (30) days written notice to you.
Section I. Your Ability To Withdraw Funds

1. Except as set forth below, our policy is to make funds from your cash deposits available to you on the next business day
after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit.
Check deposits will be made available to you on the second (2nd) business day after the day we receive your deposit,
however the first $225 of your aggregate check deposits will be available the next business day after the day we receive
your deposit. Deposited checks drawn on First Tech, U.S. Treasury Checks, U.S. Postal Money Orders, Government
Checks, Federal Reserve Bank checks, Federal Home Loan Bank checks, and Certified checks will be available to you on
the first (1st) business day after the day we receive your deposit. Once the funds are available, you can withdraw the funds
in cash, and we will use the funds to pay checks that you have written.
2. 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 closing 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 closing or on a day we are not open, we will consider that the
deposit was made on the next business day we are open.
3. With respect to checks deposited through our e-Deposit service, please refer to the Mobile e-Deposit Capture Agreement
for information regarding availability of those deposits.
4. We may make your deposit available to you sooner than otherwise stated in this policy.
Section II. Longer Delays May Apply

1. In some cases, we will not make all of the funds that you deposit by check available to you on the second (2nd) business day
after the day of your deposit. If we are not going to make all of the funds from your deposit available on the second (2nd)
business day after 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 or otherwise provide you the notice by the day after we receive your deposit.
2. If you will need the funds from a deposit right away, you should ask us when the funds will be available.
3. Funds you deposit by check may be delayed for a longer period under the following circumstances:
a. We believe a check you deposit will not be paid.
b. You deposit check(s) totaling more than $5,525 on any one day.
c. You redeposit a check that has been returned unpaid.
d. You have overdrawn your account repeatedly in the last six (6) months.
e. There is an emergency, such as failure of computer or communications equipment.
2549509 240508

Funds Availability Policy
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 seventh (7th) business day after the day of your deposit.
Section III. Special Rules for New Accounts

1. If you are a new member or account owner, the following special rules will apply during the first thirty (30) calendar days
after your account is opened. Your account is considered a “new account” for the first thirty (30) calendar days after your
account is opened, unless you already have an established account with us which has been open for at least thirty (30)
days before this account is opened.
2. 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 $5,525 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 next 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 $5,525 of a day’s total deposits of such checks will be available on the ninth (9th) business
day after the day of your deposit. If your deposit of such checks (other than a U.S. Treasury check) is not made in person
to one of our employees, the first $5,525 of a day’s total deposits of such checks will not be available until the second
(2nd) business day after the day of your deposit.
Section IV. Holds on Other Funds

1. If we accept for deposit a check that is drawn on another financial institution, we may make funds from the deposit
available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have
on deposit in another account with us. Those funds in the other account would then not be available for withdrawal until
the time periods that are described elsewhere in this Funds Availability Policy for the type of check that you deposited.
Section V. Deposits at ATMs and Shared Branch

1. Deposits at Credit Union Proprietary ATMs: If you make a deposit at ATMs owned and operated by the Credit Union
(“proprietary ATMs”), the first $225 of daily aggregate deposits will be available on the next business day after the day
of your deposit, and deposits in excess of $225 may not be available until the second (2nd) business day after the day of
your deposit. For daily aggregate check deposits in excess of $5,525 at proprietary ATMs, longer hold periods may apply.
If you make a deposit at an ATM before 3:00 p.m. (Pacific) 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 at an ATM after 3:00 p.m. (Pacific) or on a day we are not open,
we will consider that the deposit was made on the next business day we are open.
2. Deposits at Non-Proprietary ATMs: If you make a deposit at ATMs we do not own, the funds may not be available until
the fifth (5th) business day after the day of your deposit. For daily aggregate check deposits in excess of $5,525 at non-
proprietary ATMs, longer hold periods may apply.
Shared Branches: As a member of the Credit Union, you have access to shared branches, which allows you to conduct
transactions on your Credit Union accounts, including making deposits, at another credit union that is part of the shared
branch network. If you make a deposit at a shared branch 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 at a shared branch on a day we are not open, we will consider
that the deposit to have been made on the next business day we are open.
If you make a deposit at a shared branch, the first $225 of daily aggregate deposits will be available on the next business
day after the day of your deposit, and deposits in excess of $225 may not be available until the second (2nd) business
day after the day of your deposit. For daily aggregate check deposits in excess of $5,525 at shared branches, longer hold
periods may apply.
2549509 240508

Overdraft Policy Disclosure
Overdraft and NSF Return Item Policy (“Overdraft Policy”) Disclosure

Account Balances and Liability
Foreword
The purpose of this Overdraft Policy Disclosure (“Disclosure”) is to disclose information, terms, and conditions relating to
the various services available to you in the event there are insufficient funds available in your accounts for a transaction
as well as to help you better understand the importance of your “available” balance in determining whether a transaction
may result in an overdraft of your account (referred to in this Disclosure as an “overdraft”) or the unpaid return of an item
by us or a third party due to insufficient funds (referred to herein as a “NSF return item” or a “return item”).
This Disclosure is subject to additional agreements, disclosures, terms and conditions, and contracts we provide either
with this Disclosure or as part of the products and services we provide you including, but not limited to, our Membership
and Account Agreement and Fee Schedule/Sheet.
Throughout this Disclosure, the words “you,” “your,” and “yours” mean each and every member (whether one or
more persons) who uses the services described in this Disclosure. The words “we,” “us,” or “Credit Union” mean First
Technology Federal Credit Union.
Section I. General
1. You are responsible for keeping track of the funds in your account that are available for you to use before you withdraw
or otherwise use such funds, for example by writing a check, making a cash withdrawal, or using your debit card for a
transaction. Among other things, you should keep a running balance that reflects all of your transactions. It is imperative
that you keep track of the transactions you may have authorized (such as outstanding checks or automatic bill payments
you have authorized) as your available balance (discussed in more detail below) will not reflect these transactions until
they are paid from your account. We offer a variety of options for you to be able to check your account balance, including
online, mobile and telephone access or by visiting a branch. Please see our Overdraft Fee FAQs for more information on
avoiding overdrafts, return items, and any associated fees.
2. “Overdrawing” your account means that there are insufficient available funds in your account to pay for a transaction at
the time it is presented for payment, but the transaction is paid under either an optional Overdraft Protection Service or
the Discretionary Overdraft Service (“Discretionary Overdraft”), which results in a negative “overdrawn” balance. Some
transactions that can result in an overdraft in your share draft account or a return item include, but are not limited to: (i)
the payment of checks, electronic fund transfers, telephone-initiated transfers, preauthorized payments under our Bill
Payment Service, or other withdrawal requests authorized by you; (ii) the return (unpaid) of items deposited by you; (iii) the
assessment of service charges by us; or (iv) the deposit of items that are treated as not yet “available” according to our
Funds Availability Policy.
3. This Disclosure discusses in Section 2 how to determine and manage your account balances. Section 3 then discusses
how we will post transactions to your account. Based on these policies, your transactions can result in transaction(s) being
presented for processing when your account’s available balance is insufficient to pay the transaction(s). Sections 4 and 5
discuss the kinds of services the Credit Union offers to allow for the payment of these transactions.
Section II. Your Share Draft Account Balance

1. Your share draft account has two kinds of balances: the “current” balance and the “available” balance. Both can be
checked when you review your account online, at a Credit Union-owned ATM, by phone, or at a branch. It is important
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to understand how the two balances work so that you know how much money is in your account at any given time. This
section explains current and available balances and how they work.
2. Your current balance is the amount of money that is actually in your account at any given time, but not all funds included
in the current balance are considered available for transactions on your account. The current balance reflects transactions
that have posted to your account but not transactions that have been authorized and are pending, while pending deposits
that are subject to holds under our Funds Availability Policy will be reflected in the current balance even though they are
not yet “available.” While the term “current” may sound as though the number you see is an up-to-date indication of what
is in your account that you can spend, that is not always the case. Your current balance will not reflect any purchases,
holds, fees, other charges, or deposits made on your account that have not yet posted. For example, if you have a $50
current balance, but you just wrote a check for $40, then your current balance is $50 but it does not reflect the pending
check transaction. At that point, you have a current balance of $50, but you have already spent $40.
3. Your available balance is the amount of money in your account that is available to you to use less any debits, holds, and
deposits not yet posted to the account. Your account is considered overdrawn when the available balance in your account
is negative (less than $0). The available balance takes into account factors such as holds placed on deposits and pending
transactions (such as pending debit card purchases) that the Credit Union has authorized but that have not yet posted
to your account. For example, assume you have a current balance of $50 and an available balance of $50. If you were to
use your debit card at a restaurant to buy lunch for $20, then that merchant could ask us to pre-authorize the payment in
that amount (or even a different amount). Under this example, if the merchant requested preauthorization in the amount
of $20, we will place a “hold” on your account for $20 (referred to as an “authorization hold”). Your current balance
would still be $50 because this transaction has not yet posted, but your available balance would be $30 because of the
restaurant’s preauthorization request that resulted in an authorization hold on $20 in your account. When the restaurant
submits its transaction for payment (which could be a few days later and for a different amount than the amount of the
authorization hold), if our system matches the posted transaction with the hold, we will release the authorization hold, post
the transaction to your account, and reduce your current balance by the amount of the posted transaction. There may be
transactions where our system does not match a posted transaction with the related hold, but even in those instances,
the hold will be generally released within three (3) business days (see “Authorization Holds for Debit Card Transactions”
below).
4. Your available balance may not reflect all of your transactions. We use your available balance at the time a transaction
posts to determine when your account is overdrawn and whether fees will be assessed, although we do not charge
overdraft fees for point-of-sale (“POS”) everyday debit card transactions and ATM withdrawals and we do not charge
overdraft-related fees if your available balance was sufficient to pay the transaction at the time an authorization hold
was applied for such transaction (i.e., an Account Positive, Settle Negative (or “APSN”) overdraft fee). For debit card
transactions involving merchant authorization holds, the merchant authorization hold can affect whether you incur
overdraft fees on other transactions.
The following example illustrates how this works:
Assume your current and available balances are both $50, and you use your debit card at a restaurant for $20. If the
restaurant requests preauthorization in the amount of $20, an authorization hold is placed on $20 in your account, so your
available balance is only $30. Your current balance would remain $50. Before the restaurant transaction is sent to us for
payment, a check that you wrote for $40 clears. Because your available balance is only $30 (due to the authorization hold
of $20), your account will be overdrawn by $10, even though your current balance is $50. In this case, we may pay the $40
check, but you will be charged an overdraft fee as disclosed in our Fee Schedule/Sheet. That fee will be deducted from
your account, further increasing the overdrawn amount.
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5. YOU ACKNOWLEDGE THAT YOU MAY STILL OVERDRAW YOUR ACCOUNT EVEN THOUGH THE AVAILABLE
BALANCE APPEARS TO SHOW THERE ARE SUFFICIENT FUNDS TO COVER A TRANSACTION THAT YOU WANT TO
MAKE. This is because your available balance may not reflect all your outstanding checks, automatic bill payments that
you have authorized, or other outstanding transactions that have not yet been paid from your account. In the example
above, the outstanding check will not be reflected in your available balance until it is presented to us and paid from your
account.
6. Also, your available balance may not reflect all of your debit card transactions. For example, if a merchant obtains our
prior authorization but does not submit a one-time debit card transaction for payment within three (3) business days of
authorization (or for up to thirty (30) business days for certain types of debit card transactions, including but not limited
to car rental transactions and hotel stay transactions), we must release the authorization hold on the transaction. The
available balance will not reflect this transaction once the hold has been released, which generally occurs when the
transaction has been received by us and paid from your account. Refer to the section entitled “Authorization Holds for
Debit Card Transactions” below for information about how authorization holds affect your available balance.
7. Finally, your available balance may not reflect the most recent deposits to your account. Refer to our Funds Availability
Policy for information regarding the availability for withdrawal of your deposits. You should not assume that you can avoid
overdrawing your account by making a deposit before a check or other item is presented for payment because your
deposit may not be immediately available for withdrawal.
Subsection 1. Authorization Holds for Debit Card Transactions

1. When you use your debit card to pay for goods or services, the merchant may seek preauthorization from us for the
transaction. When we preauthorize the transaction, we commit to make the requested funds available when the
transaction finally posts and as such, we generally place a temporary hold against some or all of the funds in the account
linked to your debit card, based on the amount of the preauthorization request from the merchant. We refer to this
temporary hold as an “authorization hold,” and the amount of the authorization hold will be subtracted from your available
balance as authorization requests are received by us throughout each day. Until the transaction finally settles or we
otherwise remove the hold (for example, we may remove the hold because it exceeds the time permitted, as discussed
below, or we determine that it is unlikely to be processed), the funds subject to the hold will not be available to you
for other purposes. At some point after you authorize the transaction, it is processed by the merchant and submitted
to us for payment. This can happen hours or sometimes days after you authorized it, depending on the merchant and
its processing company. These payment requests are received in real time throughout the day and are posted to your
account in daily batches.
2. The amount of an authorization hold may differ from the actual transaction amount because the actual transaction amount
may not yet be known to the merchant when the authorization request is submitted. For example, this can happen in
connection with transactions where your debit card is swiped before your actual transaction amount is known, such as at
a restaurant, car rental company, hotel, or gas station (e.g., at a restaurant, you may choose to add a tip to the transaction
amount). For these types of transactions, there may be no authorization hold, or the amount of the authorization hold
may be different from the transaction amount. In some other cases, we may not receive an authorization request from
the merchant and there will be no authorization hold reflected in your available balance. We cannot control how much a
merchant asks us to authorize or when a merchant submits a transaction for payment.
3. We are permitted to place an authorization hold on your account for up to three (3) business days (or for up to thirty (30)
business days for certain types of debit card transactions) from the time of the authorization or until the transaction is paid
from your account. However, if the transaction is not submitted for payment, we will release the authorization hold, which
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will increase your available balance until the transaction is submitted for payment by the merchant and finally posted to
your account. If this happens, we must honor the prior authorization and will pay the transaction from your account.
4. In certain instances, when the amount of the authorization hold is either more or less than the amount of the actual
transaction, we may maintain the authorization hold even after the purchase amount is actually paid from your account.
However, in these instances, we will not maintain an authorization hold for longer than three (3) business days (or for up
thirty (30) business days for certain transactions).
Section III. How Transactions Are Posted to Your Account

1. There are two types of transactions in your account: credits or deposits of money into your account and debits or
payments out of your account. It is important to understand how each is applied to your account so that you know how
much money you have and how much is available to you at any given time. This section explains generally how and when
we post transactions to your account.
2. We can receive credit and debit transactions in different forms at various times each business day. We reserve the right to
determine the timing and order in which such transactions are posted to your account to the extent permitted by law. We
determine the order in which we process and post credits and debits to your account based on a number of factors.
3. We may pay or authorize some transactions and decline or return others in any order we deem appropriate to the extent
permitted by law. When the available balance in your account is not sufficient to cover all of the transactions presented
that day, some posting orders can result in more return items and more overdraft and return item fees than other posting
orders.
4. The order in which items are posted to your account will depend on a number of factors. For example, in connection with
our item posting order for each category of item(s), (i) establishing different posting orders for items within each category,
and (ii) change the timing of when items are posted during the day and whether they are posted individually or in batches.
Except to the extent limited by applicable law, we have the right to change any of the factors described in (i) and (ii) listed
above at any time without notice to you. There are several types of debit transactions. Each type of debit transaction is
described generally below. Keep in mind that debits are most often presented for payment by merchants, and the Credit
Union is not in control of when transactions are received.
a. “Real-Time” Transactions: For certain types of transactions, money is usually deducted from your account
immediately at the time of the transaction, and they are considered “Real-Time” transactions. These include, for
example, the following types of transactions: ATM transactions, Mobile E-Deposit, teller transactions, POS debit card
transactions processed through PIN networks, and wire transfers and other account transfers you initiate at a branch
or an ATM, by calling our contact center, or through Online Banking.
b. “Batch” Transactions: Other types of transactions are presented to us for processing in data files every day, sorted
by transaction types, and at various times of day; credits in each batch post first, followed by debits, which generally
post in order from low to high dollar value. Transactions that are presented to us for processing in batches include the
following: POS transactions processed through the Mastercard® network (which can settle throughout the day), ACH
transactions, check payments, online bill payments, and similar items.
c. Posting of Fees, Dividends, and Automatic Account Transfers: Any Credit Union-initiated fees such as overdraft or
return item fees will generally post after the transaction to which it applies for ACH items and items such as checks
or at the end of the processing cycle for online banking and POS debit card transactions. Dividends posting and
automatic account transfers generally post at the end of our processing day.
5. The foregoing is a general description of how certain types of transactions are posted. These practices may change and
we reserve the right to pay items in any order we choose as permitted by law.
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Section IV. Payment of Overdrafts and Return of NSF Items
Subsection 1. Payment of Overdrafts

1. We are not obligated to pay any item presented for payment if your account does not contain sufficient available funds. If
we pay a transaction that overdraws your account, we are not obligated to continue paying such transactions in the future.
We may pay all, some, or none of your overdrafts, without notice to you. If we do not authorize and pay an overdraft, then
we decline or return the transaction or item unpaid due to insufficient funds.
2. We assess a fee for each item we pay that results in an overdraft (other than ATM withdrawals and POS everyday
transactions). If we pay an item in accordance with our Discretionary Overdraft (described in more detail below), we will
charge an overdraft fee as disclosed in the Fee Schedule/Sheet.
3. Transfers to Cover Overdrafts: You understand and agree that we have the right to transfer available funds to your share
draft account from any of your other account(s) with us (excluding IRAs and certificate accounts), including account(s) upon
which you are a joint owner, in an amount equal to the overdraft and related overdraft fees.
4. If we pay an item drawn against insufficient funds on an account with more than one account owner or member on the
signature card, each member, owner, and agent if applicable, drawing or presenting the item creating the overdraft, shall
be jointly and severally liable for such overdrafts including overdraft fees (if any).
Subsection 2. NSF Return Items

1. We are not obligated to pay any item presented for payment if your account does not contain sufficient available funds. If
we do not authorize and pay an overdraft, then we decline or return the transaction or item unpaid.
2. If your account does not have sufficient available funds when a transaction or item is presented to us for payment and, as
a result, returned unpaid, the merchant or payee of your transaction or item may choose to resubmit the same transaction,
including transactions where your check transaction is converted to an ACH transaction, and may do so multiple times;
this may also occur when you initiate transfers and payments through your Credit Union Online Banking or Bill Payment
services and your account lacks sufficient available funds at the time the transaction is scheduled to occur, as we may
decline the transaction and then resubmit the same transaction at a later time in an attempt to process your requested
transaction.
3. As set forth on our Fee Schedule/Sheet, we do not charge fees for items we return due to there being insufficient funds
in your account or return item fees for items represented by third-party merchants or payees. However, we do charge a
Return ACH Origination Fee when you request First Tech to initiate an ACH transfer (one time or recurring) to or from an
external account and it is unsuccessful/returned.
Subsection 3. Overdraft and Return Item Fees Generally; Avoidance of Such Fees
1. Our Fee Schedule/Sheet explains when we charge you fees for overdraft and for Return ACH Origination and the dollar
amount of the fees. Please review our Fee Schedule/Sheet carefully. You are liable to us to repay any overdrafts on your
account whether you created them or not. If you do not pay us , and we take collection action against you, you agree to
pay for our costs of collection. We may close, without notice, any account with excessive insufficient funds activity and
report the account to a consumer reporting agency.
2. You are responsible for ensuring that your account includes sufficient available funds to pay the transactions you initiate
or authorize when they are processed for payment from your account, and you also acknowledge that the timing of when
merchants or payees submit transactions to us for payment may vary.
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3. We recommend that you enroll in one of the optional Overdraft Protection Services described below. These services can
help you avoid overdrafts and return items. While fees may apply when you use an optional Overdraft Protection Service,
the fees under the service are generally less expensive than overdraft and return item fees. Please refer to our Overdraft
Fee FAQ for additional tips on how to avoid such fees.
Subsection 4. Optional Overdraft Protection Services

1. We offer optional Overdraft Protection Services that you may request, which allows you to link other accounts to your
share draft account, such as linking your share savings account or a line of credit loan account where your share savings
account or a line of credit is used for overdraft protection. Other share draft accounts, share certificate accounts, and
IRAs may not be used as draw accounts. If you qualify for these optional services, we will look first to these services for
overdraft protection before applying our Discretionary Overdraft when your account is overdrawn provided you have
sufficient available funds in the linked share savings or sufficient available credit for the line of credit. An Overdraft
Protection Service may save you money on the total fees you pay us for overdraft protection, as any Overdraft Protection
fees (if applicable) are generally less expensive than overdraft fees charged for Discretionary Overdrafts.
a. Line of Credit: This is any revolving line of credit you have with us. With this service, you authorize us to automatically
advance the exact amount of your overdraft from your line of credit (linked to your share draft account) to cover your
overdraft, up to your credit limit. You must repay what you have borrowed in full or in minimum monthly payments (in
addition to any late charges, finance charges, cash advance fees , and annual fees). All overdraft transfers from your
credit card with us are considered cash advances and are subject to cash advance rates and fees, as applicable, and
not subject to any grace period. If you have or are approved for a line of credit, you will be provided with separate
terms and conditions applicable to the line of credit. Overdraft Protection transfers from lines of credit will be made to
the nearest $0.01.
b. Share Savings: If you request that we make transfers of available funds automatically from your eligible share savings
account to cover overdrafts in your share draft account, Overdraft Protection transfers from your share savings
account are made in $100 increments to the extent sufficient available funds are on deposit.
2. If you do not have sufficient available credit on your line of credit or the funds in your share savings account are not
sufficient to pay the overdraft on your share draft account, then you understand that the overdraft may be paid by our
Discretionary Overdraft, subject to the terms and conditions of the Discretionary Overdraft section below (if you or your
account are eligible for Discretionary Overdraft). If you are not eligible for Discretionary Overdraft, then the item causing
the overdraft will be returned or the transaction denied. If you decline to utilize the optional Overdraft Protection Services
and you are not eligible for our Discretionary Overdraft and there are insufficient available funds in your share draft
account to pay an item, your items will not be paid; they will be returned. Transfers will appear on your periodic statements
for each applicable account.
3. Limits on Overdraft Protection: We will not transfer more than the available account balance in a linked share savings
account or the available credit on a line of credit account even if the amount of the overdraft is more than the available
amount.
4. Termination of Optional Overdraft Protection Services: We may terminate optional overdraft protection services at any
time with or without notice to you. Any owner of the share draft account, any owner of a linked share savings account
used for overdraft protection, or any borrower on a line of credit account used for overdraft protection may cancel
overdraft protection in person, by phone, or in writing. Cancellation will be effective after we have received notice and
have had a reasonable time to act on it.
F-00065 2549509 240507

Section V. Discretionary Overdraft

1. In accordance with our commitment to provide valued service and benefits, we may pay your overdrafts that would cause
your eligible share draft account to have a negative balance at our discretion. We refer to this service as our Discretionary
Overdraft. Discretionary Overdraft is different than the Overdraft Protection Service. Discretionary Overdraft is a backup
to your existing Overdraft Protection Service and will only be activated if funds are not available from the Overdraft
Protection Service. This Discretionary Overdraft section sets forth the terms and conditions applicable to Discretionary
Overdraft.
2. What Overdraft Transactions are Covered? Discretionary Overdraft is available only for the payment of checks, electronic
transfers, telephone-initiated transfers, preauthorized payments under our Bill Payment Service, recurring debit card
transactions (such as debit card payments set up to pay for a service like a monthly gym membership), and ACH drafts
and debits. Discretionary Overdraft is not available for ATM transactions and one-time debit card transactions.
3. Eligibility for Discretionary Overdraft: Discretionary Overdraft is not a credit product and requires no application or credit
approval process; it is a feature which may be automatically included with eligible share draft accounts after your share
draft account is sixty (60) days old (unless you opt out of Discretionary Overdraft entirely as described below). Eligibility
is at the sole discretion of the Credit Union and is based on you managing your share draft account in a responsible
manner. Discretionary Overdraft is available for share draft accounts for which the primary share draft account owner is
eighteen (18) years of age or older and is in good standing. We reserve the right to limit Discretionary Overdraft to one (1)
account per household or member. We may suspend or permanently revoke Discretionary Overdraft from your share draft
account, in our sole and absolute discretion, for any reason, including any one or more of the following criteria:
a. You are not making regular deposits into your share draft account;
b. You do not bring your share draft account to a positive balance for at least one (1) full business day within a ten (10)
day period;
c. Your membership is not in “good standing” as defined in the Credit Union’s Limitation of Services & Termination of
Membership Corporate Policy;
d. You are more than thirty (30) days past due or are in default in any other respect on any loan or other obligation to us;
e. You have an outstanding balance due on an overdraft repayment plan;
f. Your share draft account is subject to any legal or administrative orders or levies;
g. You have insufficient credit or negative credit history;
h. You are a party to a bankruptcy proceeding;
i. Any or all of your account(s) with us are being reviewed for improper activity or transactions;
j. You use Discretionary Overdraft to pay items written to check cashing agencies;
k. You have excessive items returned for non-sufficient funds in a calendar year;
l. You have an unresolved prior loss with us;
m. We do not have a valid mailing or email address for you; or
n. We believe you are not managing your share draft account in a responsible manner, which may harm you or us.
4. Discretionary Overdraft is a benefit. Any payment made by us under Discretionary Overdraft will be made on a case-
by-case basis, in our sole and absolute discretion. Discretionary Overdraft does not constitute an actual or implied
agreement between you and the Credit Union nor does it constitute an actual or implied obligation of the Credit
Union. Discretionary Overdraft is a privilege that the Credit Union provides from time to time; and may be withdrawn,
limited, or withheld by the Credit Union at any time, without prior notice, reason, or cause.
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5. Limits to Your Use: The negative balance to which you can overdraw your account by using Discretionary Overdraft is
determined by us in our sole and absolute discretion.
6. How Discretionary Overdraft is Administered: In our sole discretion, we may notify you by mail, or if you have agreed
to receive notices from us in an electronic format, you may be notified electronically of any nonsufficient funds checks,
items, or other transactions that have been paid or returned; however, we are not required to so notify you. You also
acknowledge and agree that we have no obligation to notify you before we pay or return any check, item, or other
transaction. We may refuse to pay any overdrafts without first notifying you even though your account is in good standing
and even if we have paid previous overdrafts.
7. When is the overdraft payment due? The total of the overdraft (negative) balance in your share draft account, including
any and all fees and charges, is due immediately, and you are required to immediately deposit sufficient funds to cover the
overdraft paid by us and pay the related fees.
8. Overdraft Fees: An overdraft fee will be charged to your share draft account, in accordance with our Fee Schedule/Sheet,
for each overdraft that is authorized and paid through Discretionary Overdraft (subject to the exceptions discussed in this
Disclosure). This means that more than one (1) overdraft fee may be assessed against your share draft account per day
depending upon the number of overdrafts authorized and paid through Discretionary Overdraft. Your periodic statement
will itemize overdraft fees and return item fees for each cycle, as well as the year-to-date total of fees.
9. Optional Overdraft Protection Services: As discussed in more detail above, we also offer optional Overdraft Protection
Services, such as a link to a share savings account or a line of credit account, which may be less expensive than our
Discretionary Overdraft. To learn more, please ask us about these services.
10. Your Right to Opt Out of Discretionary Overdraft: If you prefer not to have Discretionary Overdraft, contact us at
855.855.8805 or visit a branch to request removal of Discretionary Overdraft, and we will remove Discretionary Overdraft
from your share draft account.
11. Default: You will be in default under the terms of this Disclosure if you fail to live up to any of the terms and conditions
set forth herein or you are in default on any loan obligation with us and/or a negative balance exists in any share account
with us on which you are an owner. If you are in default, in addition to any other rights we may have, we may temporarily
suspend overdraft privileges, terminate Discretionary Overdraft, or close your share draft account and demand immediate
payment of the entire unpaid negative balance.
12. Termination; Suspension: We may terminate or suspend Discretionary Overdraft at any time without prior notice. In
no event will any termination relieve you of your other obligations under this Disclosure, the Membership and Account
Agreement, or any additional agreements and disclosures, including your obligations to repay any negative account
balance, overdraft fees, return item fees, collection costs, and attorneys’ fees, if any.
Section VI. An Additional Note Regarding Overdraft Protection Services and Discretionary Overdraft
The best way to know how much money you have and avoid paying overdraft fees is to record and track all of your
transactions closely.
You may take advantage of the option in Online Banking to receive alerts such as transaction, low balance, and other
alerts.
IF YOU DO NOT UNDERSTAND ANY PROVISION IN THIS DISCLOSURE, OR IF YOU HAVE ANY QUESTIONS, PLEASE
CONTACT US AT 855.855.8805 MONDAY THROUGH FRIDAY, 6:00 AM TO 6:30 PM PACIFIC TIME .
F-00065 2549509 240507

Truth In Savings - Checking and Savings
Checking
Effective Date: 10/01/2024
No minimum Average Daily Balance to avoid fee

Dividend compounded & credited monthly (except Carefree Checking - N/A)
Monthly dividend period (except Carefree Checking - N/A)
Please refer to the Fee Schedule, hereby incorporated by reference, for a list of all applicable fees.
Min. Opening Annual Percentage

Account Dividend Rate
Balance Yield 1
Carefree Checking $10.00 0.00% 0.00%
First Checking Plus $10.00 0.00% 0.00%
Start Up Checking $10.00 0.00% 0.00%
HSA Checking $10.00 1.00% 1.00%
First Tech Premier Rewards Checking $10.00 0.00% 0.00%
First Tech Rewards Checking (Qualified Rate)
$0.01 - $15,000.00 $10.00 3.93% 4.00%
$15,000.01 + $10.00 0.05% 0.05%
First Tech Rewards Checking (Non-Qualified Rate)
All balances $10.00 0.00% 0.00%
Dividend Rewards Checking (Qualified Rate) 2

Balance Yield 1
$0.01 - $10,000.00 N/A 2.23% 2.25%
$10,000.01 + N/A 0.05% 0.05%
Dividend Rewards Checking (Non-Qualified Rate) 2
All balances N/A 0.01% 0.01%
Savings

Dividend compounded & credited monthly
Monthly dividend period

Balance Yield 1
Membership Savings $5.00 0.01% 0.01%
Carefree Savings $25.00 0.01% 0.01%
Start Up Savings
$0.01 - $999.99 $25.00 3.93% 4.00%
$1,000.00 + $25.00 0.05% 0.05%
Instant Access Savings
$0.01 - $99,999.99 $25.00 0.45% 0.45%
$100,000 - $249,999.99 $25.00 0.55% 0.55%
$250,000 + $25.00 0.60% 0.60%
First Tech Premier Rewards Savings $25.00 4.22% 4.30%
First Tech Rewards Savings (Qualified Rate)
$0.01 - $25,000 $25.00 3.93% 4.00%

Balance Yield 1
$25,000.01 + $25.00 0.05% 0.05%
First Tech Rewards Savings (Non-Qualified Rate)
All balances $25.00 0.01% 0.01%
Instant Access Rewards 3
$0.01 - $249,999.99 $25.00 0.05% 0.05%
$250,000 + $25.00 4.72% 4.82%
1 = Annual Percentage Yield. Rates may change after account opening.
2 = Dividend Rewards Checking. Existing accounts only. Product is not currently offered for new accounts or
account conversions.
3 = Instant Access Rewards. Existing accounts only. Product is not currently offered for new accounts or
Truth in Savings Disclosure - Checking

and Savings
Truth in Savings Disclosure for Share Savings, Share Checking, IRA, HSA, and Coverdell Accounts
Throughout this Truth in Savings Disclosure, the words “you,” “your,” and “yours” mean each person who
owns one or more Share Savings (Membership Savings, Carefree Savings, Instant Access Savings, Start Up
Savings, IRA Savings, IRA Instant Access Savings, Roth Savings, Roth Instant Access Savings, Coverdell
Savings, or Coverdell Instant Access Savings), or Share Checking (Carefree Checking, Dividends Rewards
Checking, First Checking Plus, Start Up Checking, or HSA Checking) with First Technology Federal Credit
Union. The words “we,” “us,” or “Credit Union” mean First Technology Federal Credit Union.
Section I. Payment of Dividends
1. Nature of Dividends: The frequency and conditions upon which dividends are paid on all accounts are
determined by the Credit Union’s Board of Directors in accordance with the Federal Credit Union Act
and relevant laws (including the Truthin- Savings Act and Regulations). Dividends are paid from current
income and available earnings after required transfers to reserves at the end of a dividend period.
2. Rate Information: For all dividend bearing accounts, the dividend rate and Annual Percentage Yield
(“APY”) may change daily as determined by the Credit Union’s Board of Directors. Please refer to the
Rate Sheet provided in addition to this Truth in Savings Disclosure for additional information, including
the dividend rate and APY. You may also obtain current rate information by calling the Credit Union toll-
free at 855.855.8805 or visiting our website.
3. Minimum Balance Requirements: We list the minimum balance required to open an account on our
Rate Sheet.
4. Compounding and Crediting for all Accounts: For all dividend bearing accounts, dividends will be
compounded monthly and will be credited monthly. For these accounts, the dividend period is monthly.
For example, the beginning date of the first dividend period of the calendar year is January 1, and the
ending date of such dividend period is January 31. All other dividend periods follow this same pattern of
dates. The dividend declaration date is the ending date of a dividend period, and for this example is
January 31. If you close any of your dividend earning accounts before dividends are credited you will not
receive the accrued dividends.
5. Fees and Charges: Please refer to the Fee Schedule provided in addition to this Truth in Savings
Disclosure for fees and charges which may be assessed against your account.
6. Balance Computation Method: Dividends are calculated by the daily balance method, which applies a
daily periodic rate to the balance in the account each day.
7. Accrual of Dividends: Dividends will begin to accrue on the business day you deposit cash and non-
cash items (e.g., checks) to your account if deposited before the close of business.
8. Share Requirement: You must complete payment of one share in your Membership Share Savings
Account, in accordance with the Membership and Account Agreement, as a condition of your
membership.
Section II. Terms and Conditions Applicable to Dividend Rewards Checking Accounts
1. Restriction: You are limited to one (1) Dividend Rewards Checking Account. As the primary account
owner of a Dividend Rewards Checking Account, you may not also be the primary account owner of the
following products: First Tech Rewards Savings, First Tech Rewards Checking, First Tech Premier
Rewards Savings, and/or First Tech Premier Rewards Checking.
2. Eligibility: Account must be a personal account, trust account, or similar fiduciary account. Business,
Organization, and HSA accounts are not eligible. The primary account owner of the Dividend Rewards
Checking Account must also be the primary account owner on a Membership Share Savings account.
3. Rate Information: The Dividend Rewards Checking Account is a tiered rate account. The applicable
dividend rate and corresponding APY will be either the qualified or non-qualified rate, as determined by
the qualification requirements per monthly cycle (listed below). If qualifications are met, the dividend rate
and APY specified for a tier will apply only to the portion of the account balance that is within the tier.
The dividend rates and range of APY(s) may vary depending on account balance and are listed for each
tier in our Rate Sheet.
a. Failure to Qualify: If you do not meet the qualification requirements for a monthly cycle, you will
earn the nonqualified rate and corresponding APY.
4. Qualification Requirements Per Monthly Cycle: A monthly cycle is defined as the last day of the
previous calendar month through the second to last day of the current calendar month. For example, a
monthly cycle would start March 31 and end April 29; the next monthly cycle would be April 30 through
May 30. In order to qualify, you must meet all of the following qualification requirements:
a. Have twelve (12) debit card purchases posted to the account.
b. Have one (1) direct deposit or ACH deposit/withdrawal.
c. Enrollment in electronic statements and electronic disclosures and notices for the primary account
owner.
The first monthly cycle will automatically meet all qualification requirements. For every monthly cycle
thereafter, all qualification requirements must be completed and posted to your account prior to the last
day of the calendar month. For example, the last day of March is March 31. At least twelve (12) debit card
purchases must post to your account by March 30 for purposes of this example. Keep in mind that debit
card purchases can take up to three (3) days to post and depend on merchant processing times.
5. Rebates: For qualified accounts, out-of-network U.S. ATM fees will be refunded for the monthly cycle in
which the fee was charged, up to an aggregate maximum amount of $10 per month.
Section III. Terms and Conditions Applicable to Start Up Checking and Savings Accounts
1. Restriction: You are limited to one (1) Start Up Checking Account and one (1) Start Up Savings Account
per primary account owner.
2. Eligibility: Primary account owner must be under the age of eighteen (18).
a. Once the primary account owner of a Start Up Checking Account turns the age of eighteen (18), the
account will automatically convert to a First Checking Plus Account.
b. Once the primary account owner of a Start Up Savings Account turns the age of eighteen (18), the
account will automatically convert to a Carefree Savings Account.
3. A parent and/or guardian must maintain joint ownership on the Start Up Checking and Savings
account(s). Membership is required and subject to approval.
2549509 240523
Fee Schedule/Sheet
Effective dates: August 1, 2024
We may assess the following fees against your account.
Please review the Membership and Account Agreement (firsttechfed.com/MAA), account documents, and
FAQ page (www.firsttechfed.com/help/faqs/overdraft-fees) for additional information regarding fees,
transaction limitations, and other account restrictions that may apply.
Our fees are categorized as follows:

Card Services Safe Deposit Box Mortgage Servicing Loan Fees
Miscellaneous Transactions and Services Wire Transfers Consumer Loan Fees
Overdraft and Return ACH Origination Fees Business Accounts Commercial Loan Fees
Card Services
Applicable fees for ATM and Debit, and Credit Cards. Credit Card may have additional fees which could vary,
see Credit Card section of the Rates and Fees, and your account documents and disclosure for more
details.
Note: Each individual action at an ATM not owned by First Tech may be considered a separate transaction
and a separate transaction fee may be charged by the ATM operator or any network used for each action
even if you only enter your PIN once.
Name or Description Fee Amount Important Information

ATM Transactions at First Tech Unlimited withdrawals, deposits, transfers, and
Owned and Co-op Network No Charge inquiries.
ATMs Daily ATM withdrawal amount limits may apply..
ATM Cash Withdrawal or Inquiry First Tech charge for withdrawals.
at Non-First Tech Owned and $2.00 Does not include any third-party processing or
non-Coop Network ATMs international transaction fees.
This fee is applicable if your deposit at a Co-op
ATM Deposit Adjustment $5.00
network ATM must be adjusted.
Card PIN Rush $20.00 2 day delivery for Card PIN.
Card Rush $20.00 2 day delivery for Card.
Card Rush $35.00 Next day delivery for Card.
Applies to ATM and Debit Card transactions processed
outside of the U.S. as determined by the
International merchant/processor or when transacting in foreign
1% of Purchase
Transaction/Currency currency. International transactions include those
Amount
Conversion Fee processed by a merchant overseas, even if the
transaction is initiated while here in the U.S. (e.g.,
Internet transactions).
Miscellaneous Transactions and Services

Applicable fees for miscellaneous services and transactions. Restrictions may apply. Please refer to the
Disclosures (firsttechfed.com/Disclosures) and, if applicable, the Digital Banking
(firsttechfed.com/DigitalBanking) pages located at firsttechfed.com.

Fee assessed upon receipt of Returned Mail for non-
Returned Mail Fee $5.00 delivery. Not to exceed one fee charged per 12 month
period.
Cashier’s Check No Charge Limit 3 checks per day.
Check Orders and Re-orders Varies Fee depends on style and quantity ordered.
Documentation provided to review and verify account
Deposit Verification No Charge
information, such as balance or transaction history.
Fee applies for requested or required express
Express Delivery — Overnight $20.00
overnight delivery of documentation.
Fee applies when depositing checks payable in
foreign currency.
Foreign Check Exchange Fee $30.00 Fee is per check. Restrictions may apply as not all
currencies are accommodated. Call First Tech at
855.855.8805 or visit a branch for more information.
Fee applies when purchasing or exchanging foreign
currency.
Foreign Currency Fee $25.00 Fee is per denomination. Restrictions may apply as not
all currencies are accommodated. Call First Tech at
May be assessed monthly when a member has not
initiated activity on any relationship accounts for at
least 6 months. A relationship is defined as any
account where the account holder has an ownership
role.
Exclusions:
Account holder is an owner on other open
Up to
Inactivity Fee products or has relationships other than Savings
$10/month
and Checking accounts.
Account holder has more than $1,000 in
relationship deposits.
Account holder is under 18 years of age.
See our Inactivity Fee FAQ on firsttechfed.com
(firsttechfed.com/help/faqs/inactivity-fee) for more
information on this fee.
Fee applies to garnishments, executions, levies, liens
Legal Actions, Garnishments,
$50.00 or other legal orders received that must be acted
Executions or Levies
upon.
Specialized Letters $25.00 Specialized letter requests.
This fee applies when you place a stop payment on a
check (one or series of consecutive checks), ACH (one
Stop Payments $33.00
time or recurring), or Cashier’s Check, or through the
Online Mobile Banking Bill Pay service.
This fee applies if you request to expedite a bill
Bill Pay — Expedited Payment $30.00 payment through the Online Mobile Banking Bill Pay
service.
Overdraft and Return ACH Origination Fees
Applicable fees for Overdraft and Return ACH Origination.

Overdraft Protection Transfer No Charge You must enroll to use Overdraft Protection service.
Overdraft Fee: Paid – Fee applies to paid overdraft
items via the Discretionary Overdraft service.
This fee applies to the following categories of
transactions: share draft, check, ACH, or other
electronic means.
The following limitations apply to overdraft fees:
No fee will be charged if the item/transaction that
caused the overdraft or return item is less than $5.
No more than 5 overdraft fees per day will be
charged to an account.
Overdraft Fee1 $33.00
No fee will be charged when we decline or return
an item unpaid due to insufficient funds, but you
may be charged a fee(s) by the payee for the
returned payment.
Fee Names on your statement or in Digital Banking
may vary depending on transaction type (Check, ACH,
POS Reoccurring):
Overdraft Fee
OD Uncollected / Held Fee
OD Recurring POS Fee
This fee is applicable when you request First Tech to
initiate an ACH transfer (one time or recurring) to or
Return ACH Origination Fee $33.00
from an external account and it is
unsuccessful/returned.
1See the Overdraft Policy Disclosure section of the Membership and Account Agreement
(firsttechfed.com/MAA) and Overdraft Fee FAQ (firsttechfed.com/help/faqs/overdraft-fees) on our website
(firsttechfed.com) for additional information and examples of when and how Overdraft Fees are assessed,
and tips on how to avoid these fees.
Safe Deposit Box
Applicable fees for safe deposit boxes.

3x5 Annual Rental $23.00
Box availability and size vary per Experience Center
location.
Key Deposit $16.00 Refunded when both keys are returned.
Fee applies when a Safe Deposit Box key is lost and
Box Drilling $200.00
First Tech must arrange to drill the lock and replace.
Wire Transfers
Applicable fees per wire. Utilizing other low or no cost services, such as Digital Banking Bill Pay, Person to
Person transfers, ACH transfers, and Digital Banking transfers may help you avoid or reduce the number of
wire fees.

Applicable fee when receiving funds via domestic or
Incoming – All $5.00
international wire transfers.
Applicable fee when sending funds via domestic wire
Outgoing – Domestic $20.00
transfers.
Applicable fee when sending funds via international
Outgoing – Foreign $65.00
wire transfers.
Business Accounts
Additional fees for business accounts.

Monthly fee.
Simple Business Checking $6.00
Waived if average daily balance is $1,000 or more.
Monthly fee.
Business Instant Access $10.00
Monthly fee.
Business Dividend Checking $15.00
Per transfer from a business savings account.
Overdraft Transfer Fee $4.00
You must enroll to use this service.
Mortgage Servicing Loan Fees
Applicable Servicing fees for Mortgage Real Estate loans. Individual loan fees may vary. See your Mortgage
loan documents for more details.

Flexity Line of Credit — Annual Annual Fee for Home Equity Lines of Credit (HELOC).
Varies
Fee See Loan documents for more details.
No charge for first fixed-rate lock.
Each additional fixed-rate lock is $25.
Flexity Line of Credit — You can lock in up to three fixed-rate loans under one
$25.00
Masterline Fixed Lock Fee line of credit.
Duration of fixed-rate loans will not exceed the end of
draw period.
Flexity Line of Credit —
Unlocking fixed-rate loans will move outstanding
Masterline Fixed Unlock Lock $125.00
balance owed to line of credit lien for repayment.
Fee
Applicable fee to all Mortgage Loan Products when
payment is received after due date and any applicable
Late Payment Fee Varies
grace period.
See Loan documents for more details.
Applicable to requests where property boundaries
Partial Release/Lot Line Fee $250.00
change or are sold.
$30.00
Processing fee for providing payoff quotes to external
Payoff Processing Fee ($25.00 NJ
third parties.
Properties)
Fee for having loan Principal and Interest payment
recalculated post a large single principal reduction
Recast/Reamortize Fee $100.00
payment of at least 10% of the outstanding principal
balance.
Processing fee for review and approval of
Subordination Fee $125.00
subordination request.
Varies by the state in which the real property is
located. Fee represents actual amount charged for
recording reconveyance by local government as well
Reconveyance Fee Varies by State
as services performed by third parties to facilitate
reconveyance. Contact Mortgage Servicing for more
information and specific amounts.
Consumer Loan Fees
Listed below are common fees which may be applicable to Consumer loans. See your loan documents and
disclosure for more information about fees specific to your loan product.

Applicable fee when payment is received after due
date and any applicable grace period.
Late Charge Varies
This fee may vary; see loan documents for more
details.
Fee will be charged when a payment made by check is
returned unpaid. See loan documents for more details.
Returned Check Payment Fee $33.00
Effective September 1, 2024 fee will be increased from
$28.00 to $33.00.
Commercial Loan Fees

Listed below are common fees which may be applicable to Commercial loans. See your loan documents for
more information about fees specific to your loan product.

Applicable fee for release of security interest in
Lien Release Fee Varies by State collateral securing the loan. See loan documents for
more details.
Late Payment Fee Varies date and any applicable grace period. See loan
document for more details.
Insured by NCUA
2549509 240524
Truth In Savings - Rewards Checking and
Savings
Checking

Dividend compounded & credited monthly (except Carefree Checking - N/A)
Monthly dividend period (except Carefree Checking - N/A)

Balance Yield 1
Carefree Checking $10.00 0.00% 0.00%
First Checking Plus $10.00 0.00% 0.00%
Start Up Checking $10.00 0.00% 0.00%
HSA Checking $10.00 1.00% 1.00%
First Tech Premier Rewards Checking $10.00 0.00% 0.00%
First Tech Rewards Checking (Qualified Rate)
$0.01 - $15,000.00 $10.00 3.93% 4.00%
$15,000.01 + $10.00 0.05% 0.05%
First Tech Rewards Checking (Non-Qualified Rate)
All balances $10.00 0.00% 0.00%

Balance Yield 1
Dividend Rewards Checking (Qualified Rate) 2
$0.01 - $10,000.00 N/A 2.23% 2.25%
$10,000.01 + N/A 0.05% 0.05%
Dividend Rewards Checking (Non-Qualified Rate) 2
All balances N/A 0.01% 0.01%
Savings

Dividend compounded & credited monthly
Monthly dividend period

Balance Yield 1
Membership Savings $5.00 0.01% 0.01%
Carefree Savings $25.00 0.01% 0.01%
Start Up Savings
$0.01 - $999.99 $25.00 3.93% 4.00%
$1,000.00 + $25.00 0.05% 0.05%
Instant Access Savings
$0.01 - $99,999.99 $25.00 0.45% 0.45%
$100,000 - $249,999.99 $25.00 0.55% 0.55%
$250,000 + $25.00 0.60% 0.60%
First Tech Premier Rewards Savings $25.00 4.22% 4.30%
First Tech Rewards Savings (Qualified Rate)

Balance Yield 1
$0.01 - $25,000 $25.00 3.93% 4.00%
$25,000.01 + $25.00 0.05% 0.05%
First Tech Rewards Savings (Non-Qualified Rate)
All balances $25.00 0.01% 0.01%
Instant Access Rewards 3
$0.01 - $249,999.99 $25.00 0.05% 0.05%
$250,000 + $25.00 4.72% 4.82%
1 = Annual Percentage Yield. Rates may change after account opening.
2 = Dividend Rewards Checking. Existing accounts only. Product is not currently offered for new accounts or
3 = Instant Access Rewards. Existing accounts only. Product is not currently offered for new accounts or
Truth in Savings Disclosure - Premier

Rewards Checking and Savings
Truth in Savings Disclosure for First Tech Premier Rewards Checking and Savings Accounts
owns a First Tech Premier Rewards Checking Account and a First Tech Premier Rewards Savings Account
with First Technology Federal Credit Union. The words “we,” “us,” or “Credit Union” mean First Technology
Federal Credit Union.
the dividend rate and APY. You may also obtain current rate information by calling the Credit Union toll
3. Minimum Opening Balance Requirement: We list the minimum balance required to open an account on
our Rate Sheet.
4. Compounding and Crediting for All Accounts: For all dividend bearing accounts, dividends will be
5. Fees and Charges: Please refer to the Fee Schedule/Sheet provided in addition to this Truth in Savings
7. Accrual of Dividends: Dividends will begin to accrue on the business day you deposit non-cash items
(e.g., checks) to your account if deposited before the close of business.
8. Share Requirement: You must complete payment of one share in your Membership Share Account, in
accordance with the Membership and Account Agreement, as a condition of your membership.
Section II. Terms and Conditions Applicable to First Tech Premier Rewards Savings Accounts
1. Restriction: You may not also be the primary account owner on any of the following products: First Tech
Rewards Savings, First Tech Rewards Checking, and/or Dividend Rewards Checking.
2. Eligibility: Account must be a personal account or a trust account or similar fiduciary account. Business,
Organization and HSA accounts are not eligible. The primary account owner of the First Tech Premier
Rewards Savings account must also be the primary account owner on a Membership Share Savings
account.
3. Enrollment Qualification Requirements: To enroll in the First Tech Premier Rewards program, the
primary account owner must have at least one (1) First Tech Premier Rewards Savings account and must
meet the following requirements:
a. Minimum Balance: Within 30 days of program enrollment, deposit or investment account balances
must meet one of the following qualifications:
i. Achieve a minimum aggregate deposit balance of $250,000 across one or more First Tech
share accounts. This aggregate balance is an accumulation of the balances in all share
accounts on which you are the primary account owner.
ii. Achieve a minimum aggregate balance of $500,000 via Addison Avenue Investment Services.
This aggregate balance is an accumulation of all balances in investment accounts of which you
are the owner.
b. Failure to Continue to Qualify: If you do not meet either of the above enrollment requirements as
and when required, each of your First Tech Premier Rewards Savings account(s) will be converted to
the Instant Access Savings account and each of your First Tech Premier Rewards Checking
account(s) will be converted to the First Checking Plus account.
4. Ongoing Qualification Requirements: To remain in the First Tech Premier Rewards program,
participating members must maintain at least one (1) First Tech Premier Rewards Savings account as the
primary account owner and meet the following requirements as measured on a monthly basis:
a. Minimum Balance: Deposit or investment account balances must continue to meet one of the
following requirements:
i. Minimum Combined Share Balance: Maintain a minimum average daily balance of at least
$250,000 across one or more First Tech share accounts. This average daily balance is an
accumulation of the balances in all share accounts on which you are the primary account
owner. The average daily balance is calculated by adding the balance in the account(s) for each
day of the dividend period and dividing that figure by the number of days in the dividend
period.
ii. Minimum Combined Investment Balance: Maintain a minimum aggregate balance of

$500,000 via Addison Avenue Investment Services.1 This aggregate balance is an
accumulation of all balances in investment accounts of which you are the owner. Investment
balances are obtained from Addison Avenue Investment Services monthly for assessment of
qualifications.
b. Failure to Continue to Qualify: If you do not meet the minimum combined share balance or
minimum combined investment balance requirements for five (5) consecutive calendar months, your
First Tech Premier Rewards Savings account(s) will be converted to the Instant Access Savings
account and each of your First Tech Premier Rewards Checking account(s) will be converted to the
First Checking Plus account.
5. Rebates: For each completed calendar month in which the primary account owner has a First Tech
Premier Rewards Savings account, the following fees will be reimbursed to the account, up to an
aggregate maximum of $75 per calendar month. Any share account that has the same primary account
owner as the First Tech Premier Rewards Savings account will be eligible for inclusion in the rebate
calculation, excluding Business and HSA accounts. Rebates will be posted within 57 business days after
the end of each month.
a. ATM Deposit Adjustment
b. Non-First Tech and Non-CO-OP ATM
c. Check orders/re-order
d. Foreign Check exchange

e. Foreign currency exchange
f. International transactions / currency conversion
g. Stop payments (regular and BillPay)
h. Wires
i. Express Delivery (excludes card rush items)

Fees not listed will be considered an exception rebate, subject to the review and approval of First Tech
in its sole discretion. First Tech has no obligation to recognize an exception rebate.
Section III. Terms and Conditions Applicable to First Tech Premier Rewards Checking Accounts
1. Restriction: You may not also be the primary account owner on any of the following products: First Tech
Rewards Savings, First Tech Rewards Checking, and/or Dividend Rewards Checking.
2. Eligibility: Account must be a personal account or a trust account or similar fiduciary account. Business,
Organization and HSA accounts are not eligible. Opening and maintaining a First Tech Premier Rewards
Checking account requires the simultaneous opening and maintenance of a First Tech Premier Rewards
Savings account. The primary account owner of the First Tech Premier Rewards Checking account must
also be the primary account owner of a First Tech Premier Rewards Savings account.
3. Failure to Continue to Qualify: If you fail to meet the Enrollment Qualification Requirements set forth
above in Section II(3) or if you fail to maintain the Ongoing Qualification Requirements set forth above in
Section II(4) for a First Tech Premier Rewards Savings account and your First Tech Premier Rewards
Savings account(s) is converted to an Instant Access Savings account, your First Tech Premier Rewards
Checking account simultaneously will be converted to the First Tech Checking Plus account.
1. Registered Address: 1011 Sunset Blvd, Suite 210, Rocklin, CA 95765 | 855.744.8585
Financial Advisors offer securities through Raymond James Financial Services, Inc. Member FINRA / SIPC and securities are not
insured by credit union insurance, the NCUA or any other government agency, are not deposits or obligations of the credit union, are
not guaranteed by the credit union, and are subject to risks, including the possible loss of principal. First Technology Federal Credit
Union and Addison Avenue Investment Services are not registered broker/dealers and are independent of Raymond James Financial
Services. Investment advisory services offered through Raymond James Financial Services Advisors, Inc. The First Tech Premier
Rewards Checking and Savings Accounts are products of First Technology Federal Credit Union, and Raymond James Financial
Services Advisors, Inc. is not responsible for the administration of such products.
2549509 240524
Truth in Savings Disclosure - Rewards

Checking and Savings
Truth in Savings Disclosure for First Tech Rewards Checking and Savings Accounts

owns a First Tech Rewards Checking Account and a First Tech Rewards Savings Account with First
Technology Federal Credit Union. The words “we,” “us,” or “Credit Union” mean First Technology Federal
Credit Union.
the dividend rate and APY. You may also obtain current rate information by calling the Credit Union toll-
3. Minimum Balance Requirements: We list the minimum balance required to open an account on our
Rate Sheet.
4. Compounding and Crediting for all Accounts: For all dividend bearing accounts, dividends will be
5. Fees and Charges: Please refer to the Fee Schedule provided in addition to this Truth in Savings
7. Accrual of Dividends: Dividends will begin to accrue on the business day you deposit cash and non-
cash items (e.g., checks) to your account if deposited before the close of business.
8. Share Requirement: You must complete payment of one share in your Membership Share Savings
Account, in accordance with the Membership and Account Agreement, as a condition of your
membership.
Section II. Terms and Conditions Applicable to First Tech Rewards Checking Accounts
1. Restriction: You are limited to one (1) First Tech Rewards Checking Account. As the primary account
owner of the First Tech Rewards Checking account, you may not also be the primary account owner on
the following products: Dividend Rewards Checking, First Tech Premier Rewards Savings, and/or First
Tech Premier Rewards Checking.
Organization, and HSA accounts are not eligible. The primary account owner of the First Tech Rewards
Checking Account must also be the primary account owner on a Membership Savings account.
3. Rate Information: The First Tech Rewards Checking Account is a tiered rate account. The applicable
dividend rate and corresponding APY will be either the qualified or non-qualified rate, as determined by
the qualification requirements per monthly cycle (listed below). If qualifications are met, the dividend rate
and APY specified for a tier will apply only to the portion of the account balance that is within the tier.
The dividend rates and range of APY(s) may vary depending on account balance and are listed for each
tier in our Rate Sheet.
a. Failure to Qualify: If you don’t meet the qualification requirements for a monthly cycle, you’ll earn
the non-qualified rate and corresponding APY.
4. Qualification Requirements Per Monthly Cycle: A monthly cycle is defined as the last day of the
previous calendar month through the second to last day of the current calendar month. For example, a
monthly cycle would start March 31 and end April 29; the next monthly cycle would be April 30 through
May 30. In order to qualify, you must meet all of the following qualification requirements:
a. Have a combined total of at least twenty (20) qualifying transactions with an aggregate spend of at
least $500 per month posted to the applicable accounts. Qualifying transactions include:
i. Posted debit card purchases to the First Tech Rewards Checking account.
ii. Posted credit card purchases on a First Tech credit card account. Credit card purchases must
be made on a First Tech credit card account with the same primary account owner as the First
Tech Rewards Checking account.
b. Have ACH deposits and/or withdrawals totaling at least $1,000 per cycle (either multiple aggregate
ACHs equal to $1,000 or one $1,000 ACH) to the First Tech Rewards Checking account.
c. Enrollment in electronic statements and electronic disclosures and notices for the primary account
owner.
The first monthly cycle will automatically meet all qualification requirements. For every monthly cycle
thereafter, all qualification requirements must be completed and posted to your account prior to the last
day of the calendar month. For example, the last day of March is March 31. At least twenty (20) debit
and/or credit card purchases must post to your account(s) by March 30 for purposes of this example.
Keep in mind that debit and/or credit card purchases can take several days to post and depend on
merchant processing times.
5. Rebates: The following rebates will be credited to the First Tech Rewards Checking account if the
qualification requirements are met for the monthly cycle in which the transaction posted. The offered
rebates may change at any time, as determined by the Credit Union’s Board of Directors. Rebates will
be posted within three (3) business days after the end of the calendar month.
a. Reimbursement of any out-of-network U.S. ATM fees, up to a maximum of $15 per month.
b. 0.25% cash back on minimum scheduled payment amount made from another First Tech account to
your First Tech consumer loan(s) and/or HELOC, up to a maximum of $15 per month. Primary
account owner of the First Tech Rewards Checking account must be listed as primary borrower on
the First Tech consumer loan(s) or home equity line of credit (HELOC). Regular payments to credit
cards, closed-end mortgages, and commercial loan products are not eligible for this product
offering and do not qualify for the above-mentioned cash back rebates. Prepayments, late
payments, and payoffs not included. Loans must be in good standing (active, current, not
delinquent).
c. 0.50% cash back on all posted credit card purchases made on your First Tech credit card account,
up to a maximum of $15 per month. Credit card purchases must be made on a First Tech credit card
account with the same primary account owner as the First Tech Rewards Checking account.
d. Reimbursement of monthly online streaming subscription services charged to your First Tech credit
card account, up to a maximum of $10 per month.
i. Merchant category codes that qualify for the reimbursement of online streaming subscriptions
include: 4899 - Cable, Satellite, and Other Pay Television and Radio Services; 5735 - Record
Shops; 5815 - Digital Goods - Audiovisual Media Including Books, Movies, and Music; 5968 -
Direct Marketing-Continuity/Subscription Merchants; and 7841 - Video Entertainment Rental
Stores.
ii. First Tech does not have the ability to control how a retailer chooses to classify their business
and therefore reserves the right to determine which purchases qualify. Merchants who accept
Mastercard® credit cards are assigned a merchant code which is determined by the merchant
or its processor in accordance with Mastercard® procedures based on the kinds of products
and services they primarily sell. First Tech groups similar merchant codes into categories for
purposes of making offers to you. Please note that First Tech makes every effort to include all
relevant merchant codes in our categories. However, even though a merchant or some of the
items that it sells may appear to fit within a category, the merchant may not have a merchant
code in that category.
iii. Credit card purchases must be made on a First Tech credit card account with the same primary
account owner as the First Tech Rewards Checking account.
6. Opening this checking account does not guarantee approvals on loan accounts. Lending qualifications
still apply.
Section III. Terms and Conditions Applicable to First Tech Rewards Savings Accounts
1. Restriction: You are limited to one (1) First Tech Rewards Savings account per primary account owner. As
the primary account owner of the First Tech Rewards Savings account, you may not also be the primary
account owner on the following products: Dividend Rewards Checking, First Tech Premier Rewards
Savings, and/or First Tech Premier Rewards Checking.
Organization, and HSA accounts are not eligible. The primary account owner of the First Tech Rewards
Savings account must also be the primary account owner on a Membership Share Savings account. The
primary account owner of the First Tech Rewards Savings account must also be the primary account
owner of a First Tech Rewards Checking account.
3. Rate Information: The First Tech Rewards Savings is a tiered rate account. The dividend rate and
corresponding APY will be either the qualified or non-qualified rate as determined by the First Tech
Rewards Checking qualification requirements per monthly cycle (listed above). If the qualifications are
met, the First Tech Rewards Savings dividend rate and APY specified for a tier will apply only to the
portion of the account balance that is within that tier. The dividend rates and range of APY(s) may vary
depending on account balance and are listed for each tier in our Rate Sheet.
a. Failure to Qualify: If you don’t meet the qualification requirements for a monthly cycle, you’ll earn
the non-qualified rate and corresponding APY.
2549509 240507
Fee Schedule/Sheet
Effective dates: August 1, 2024
We may assess the following fees against your account.
Please review the Membership and Account Agreement (firsttechfed.com/MAA), account documents, and
FAQ page (www.firsttechfed.com/help/faqs/overdraft-fees) for additional information regarding fees,
transaction limitations, and other account restrictions that may apply.
Our fees are categorized as follows:
Card Services Safe Deposit Box Mortgage Servicing Loan Fees

Miscellaneous Transactions and Services Wire Transfers Consumer Loan Fees
Overdraft and Return ACH Origination Fees Business Accounts Commercial Loan Fees
Card Services
Applicable fees for ATM and Debit, and Credit Cards. Credit Card may have additional fees which could vary,
see Credit Card section of the Rates and Fees, and your account documents and disclosure for more
details.
Note: Each individual action at an ATM not owned by First Tech may be considered a separate transaction
and a separate transaction fee may be charged by the ATM operator or any network used for each action
even if you only enter your PIN once.

ATM Transactions at First Tech Unlimited withdrawals, deposits, transfers, and
Owned and Co-op Network No Charge inquiries.
ATMs Daily ATM withdrawal amount limits may apply..
ATM Cash Withdrawal or Inquiry First Tech charge for withdrawals.
at Non-First Tech Owned and $2.00 Does not include any third-party processing or
non-Coop Network ATMs international transaction fees.
This fee is applicable if your deposit at a Co-op
ATM Deposit Adjustment $5.00
network ATM must be adjusted.
Card PIN Rush $20.00 2 day delivery for Card PIN.
Card Rush $20.00 2 day delivery for Card.
Card Rush $35.00 Next day delivery for Card.
Applies to ATM and Debit Card transactions processed
outside of the U.S. as determined by the
International merchant/processor or when transacting in foreign
1% of Purchase
Transaction/Currency currency. International transactions include those
Amount
Conversion Fee processed by a merchant overseas, even if the
transaction is initiated while here in the U.S. (e.g.,
Internet transactions).
Miscellaneous Transactions and Services

Applicable fees for miscellaneous services and transactions. Restrictions may apply. Please refer to the
Disclosures (firsttechfed.com/Disclosures) and, if applicable, the Digital Banking
(firsttechfed.com/DigitalBanking) pages located at firsttechfed.com.

Fee assessed upon receipt of Returned Mail for non-
Returned Mail Fee $5.00 delivery. Not to exceed one fee charged per 12 month
period.
Cashier’s Check No Charge Limit 3 checks per day.
Check Orders and Re-orders Varies Fee depends on style and quantity ordered.
Documentation provided to review and verify account
Deposit Verification No Charge
information, such as balance or transaction history.
Fee applies for requested or required express
Express Delivery — Overnight $20.00
overnight delivery of documentation.
Fee applies when depositing checks payable in
foreign currency.
Foreign Check Exchange Fee $30.00 Fee is per check. Restrictions may apply as not all
currencies are accommodated. Call First Tech at
Fee applies when purchasing or exchanging foreign
currency.
Foreign Currency Fee $25.00 Fee is per denomination. Restrictions may apply as not
all currencies are accommodated. Call First Tech at
May be assessed monthly when a member has not
initiated activity on any relationship accounts for at
least 6 months. A relationship is defined as any
account where the account holder has an ownership
role.
Exclusions:
Account holder is an owner on other open
Up to
Inactivity Fee products or has relationships other than Savings
$10/month
and Checking accounts.
Account holder has more than $1,000 in
relationship deposits.
Account holder is under 18 years of age.
See our Inactivity Fee FAQ on firsttechfed.com
(firsttechfed.com/help/faqs/inactivity-fee) for more
information on this fee.
Fee applies to garnishments, executions, levies, liens
Legal Actions, Garnishments,
$50.00 or other legal orders received that must be acted
Executions or Levies
upon.
Specialized Letters $25.00 Specialized letter requests.
This fee applies when you place a stop payment on a
check (one or series of consecutive checks), ACH (one
Stop Payments $33.00
time or recurring), or Cashier’s Check, or through the
Online Mobile Banking Bill Pay service.
This fee applies if you request to expedite a bill
Bill Pay — Expedited Payment $30.00 payment through the Online Mobile Banking Bill Pay
service.
Overdraft and Return ACH Origination Fees
Applicable fees for Overdraft and Return ACH Origination.

Overdraft Protection Transfer No Charge You must enroll to use Overdraft Protection service.
Overdraft Fee: Paid – Fee applies to paid overdraft
items via the Discretionary Overdraft service.
This fee applies to the following categories of
transactions: share draft, check, ACH, or other
electronic means.
The following limitations apply to overdraft fees:
No fee will be charged if the item/transaction that
caused the overdraft or return item is less than $5.
No more than 5 overdraft fees per day will be
charged to an account.
Overdraft Fee1 $33.00
No fee will be charged when we decline or return
an item unpaid due to insufficient funds, but you
may be charged a fee(s) by the payee for the
returned payment.
Fee Names on your statement or in Digital Banking
may vary depending on transaction type (Check, ACH,
POS Reoccurring):
Overdraft Fee
OD Uncollected / Held Fee
OD Recurring POS Fee
This fee is applicable when you request First Tech to
initiate an ACH transfer (one time or recurring) to or
Return ACH Origination Fee $33.00
from an external account and it is
unsuccessful/returned.
1See the Overdraft Policy Disclosure section of the Membership and Account Agreement
(firsttechfed.com/MAA) and Overdraft Fee FAQ (firsttechfed.com/help/faqs/overdraft-fees) on our website
(firsttechfed.com) for additional information and examples of when and how Overdraft Fees are assessed,
and tips on how to avoid these fees.
Safe Deposit Box
Applicable fees for safe deposit boxes.

Box availability and size vary per Experience Center
location.
Key Deposit $16.00 Refunded when both keys are returned.
Fee applies when a Safe Deposit Box key is lost and
Box Drilling $200.00
First Tech must arrange to drill the lock and replace.
Wire Transfers
Applicable fees per wire. Utilizing other low or no cost services, such as Digital Banking Bill Pay, Person to
Person transfers, ACH transfers, and Digital Banking transfers may help you avoid or reduce the number of
wire fees.

Applicable fee when receiving funds via domestic or
Incoming – All $5.00
international wire transfers.
Applicable fee when sending funds via domestic wire
Outgoing – Domestic $20.00
transfers.
Applicable fee when sending funds via international
Outgoing – Foreign $65.00
wire transfers.
Business Accounts
Additional fees for business accounts.

Monthly fee.
Simple Business Checking $6.00
Monthly fee.
Business Instant Access $10.00
Monthly fee.
Business Dividend Checking $15.00
Per transfer from a business savings account.
Overdraft Transfer Fee $4.00
You must enroll to use this service.
Mortgage Servicing Loan Fees
Applicable Servicing fees for Mortgage Real Estate loans. Individual loan fees may vary. See your Mortgage
loan documents for more details.

Flexity Line of Credit — Annual Annual Fee for Home Equity Lines of Credit (HELOC).
Varies
Fee See Loan documents for more details.
No charge for first fixed-rate lock.
Each additional fixed-rate lock is $25.
Flexity Line of Credit — You can lock in up to three fixed-rate loans under one
$25.00
Masterline Fixed Lock Fee line of credit.
Duration of fixed-rate loans will not exceed the end of
draw period.
Flexity Line of Credit —
Unlocking fixed-rate loans will move outstanding
Masterline Fixed Unlock Lock $125.00
balance owed to line of credit lien for repayment.
Fee
Applicable fee to all Mortgage Loan Products when
payment is received after due date and any applicable
Late Payment Fee Varies
grace period.
See Loan documents for more details.
Applicable to requests where property boundaries
Partial Release/Lot Line Fee $250.00
change or are sold.
$30.00
Processing fee for providing payoff quotes to external
Payoff Processing Fee ($25.00 NJ
third parties.
Properties)
Fee for having loan Principal and Interest payment
recalculated post a large single principal reduction
Recast/Reamortize Fee $100.00
payment of at least 10% of the outstanding principal
balance.
Processing fee for review and approval of
Subordination Fee $125.00
subordination request.
Varies by the state in which the real property is
located. Fee represents actual amount charged for
recording reconveyance by local government as well
Reconveyance Fee Varies by State
as services performed by third parties to facilitate
reconveyance. Contact Mortgage Servicing for more
information and specific amounts.
Consumer Loan Fees
Listed below are common fees which may be applicable to Consumer loans. See your loan documents and
disclosure for more information about fees specific to your loan product.

date and any applicable grace period.
Late Charge Varies
This fee may vary; see loan documents for more
details.
Fee will be charged when a payment made by check is
returned unpaid. See loan documents for more details.
Returned Check Payment Fee $33.00
Effective September 1, 2024 fee will be increased from
$28.00 to $33.00.
Commercial Loan Fees

Listed below are common fees which may be applicable to Commercial loans. See your loan documents for
more information about fees specific to your loan product.

Applicable fee for release of security interest in
Lien Release Fee Varies by State collateral securing the loan. See loan documents for
more details.
Late Payment Fee Varies date and any applicable grace period. See loan
document for more details.
Insured by NCUA
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(https://www.firsttechfed.com/) Submitted: 10 Oct 2024 00:06:13 AM

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