TTH3G9S

Online Reference #: TTH3G9S
Submitted: 07 Sep 2021 02:05:23 AM
Membership Savings
First Tech collects personal information provided by you to process requests and applications for products and services.
Additionally, First Tech may collect information sourced from third parties, web activity, and other digital data. This collection is
subject to First Tech’s Privacy Notice (https://www.firsttechfed.com/-/media/FirstTech-Web/Documents/Other-pdfs/privacy-
notice.pdf), Online Privacy Notice (https://www.firsttechfed.com/-/media/FirstTech-Web/Documents/Other-pdfs/1300090-
Online-Privacy-StatementRev0414.pdf), and our Notice to Consumer of State Privacy Protections
(https://www.firsttechfed.com/state-consumer-privacy-notice). For more information see our Privacy Page
(https://www.firsttechfed.com/privacy-page).
Personal
First Name * Middle Name
Micheal Middle Name
Last Name * Suffix
Moore
Date of Birth *
10/01/1966
SSN/Tax ID *
***-**-9265
The Application for Membership Savings was submitted from

Channel: ONLINE using IP address 24.49.147.98 on Date 07 Sep 2021 2:05:23 AM Page 1 of 11
Contact
Email *
[email protected]
Primary Phone * Primary Phone Type *
(940) 489-2571 Mobile
Home
Work
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.
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.
Page 2 of 11
Promo Code
If you have a promo code please enter it here
Page 3 of 11
Home Address
Address Line 1 *
316 Cane Creek Dr
Address Line 2
Unit/Apt/Bldg/Ste #
City * State * Zipcode *
Pell City Alabama 35125
Is this your mailing address? *

Yes No
Employment
Employment Status *
Full-time
Part-time
Self-Employed
Retired
Not Employed
Employer Name *
DORCETT CONSTRUCTION COMPANY
Occupation *
PAINTER
Page 4 of 11
Membership Qualification
By completing this application, you are agreeing to become a member of First Technology Federal Credit Union and authorize us
to open Membership Savings Account for you. Your membership savings account will remain with you for as long as you are a
First Tech Member.
Please select how you qualify for membership: *

I'm an employee of a partner company
I'm a contractor for a partner company
I'm an employee of the State of Oregon
I work or live in Lane County, Oregon
I'm a student of Cogswell Poly Technical College
My family or household member is a current First Tech member
I'm a member of a partner club or Association
Other: show me additional options for qualifying for membership
Qualify for membership by joining one of the following associations. Click on a logo to learn more:
Select an association to join *

Computer History Museum
Financial Fitness Association
I consent to become a member of the selected club or association. *
The membership fee to FFA or CHM will be paid by First Tech on your behalf. 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 5 of 11
Identity
What is your residence status? *

US Citizen
Resident Alien
Non-Resident Alien
What type of identification will you be using? *
Driver License
ID Number * Issued State *
8032134 Alabama
Issued Date * Expiration Date *
03/07/2019 05/24/2023
My state doesn’t provide an issued date My state doesn’t provide an expiration date
Applicant(s)
Do you want to add another applicant? *

Yes No
Account Funding
Page 6 of 11
Select Funding Type *
External Accounts
Plaid is a technology that allows you to securely authenticate and link an external account to First Tech for ACH. By selecting
Plaid, you are agreeing to their privacy policy. Plaid Privacy Policy
External Account Options *

Link to Your External Account via Plaid ($25,000.00 Limit)
Manual Entry ($500.00 Limit)
Bank Name / Financial Institution * Routing Number *
Sterling National Bank 221472815
Select Account Type *

Checking
Account Number *
8311123636 Savings
Amount *
10.00
I hereby authorize First Technology Federal Credit union (First Tech) to initiate an ACH Debit entry from *
my account indicated above at the institution named above. If necessary, I authorize debit entries and
adjustment for any debit entry presented in error on my account. This authorization is valid for a one-
time entry. If the date of the transaction is not a business day, all activity will occur on the next business
day. If the automatic transfer is returned for any reason, including non-sufficient funds, First Tech may
assess a fee. First Tech has the right to terminate this authorization agreement for any reason.
Note: First Tech does not send pre notification to the receiving institution. By clicking on the checkbox, you certify that the
information you have given on this form is complete and accurate. First Tech will not be liable for errors resulting from
incorrect account information. Your request is pending until reviewed by the Payment Services Department.
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Additional Services
Online Banking Enrollment
ATM Card
Page 8 of 11
Personal Information
Primary Applicant
Name : Micheal Moore

Date Of Birth : 10/01/1966
SSN / TIN : ***-**-9265
Phone : (940) 489-2571
Email : [email protected]
Address : 316 Cane Creek Dr, Pell City, AL 35125
Product
Membership Savings
Micheal Moore (Primary)
Membership Policy
You’re almost done. Let’s review your membership status below.
Micheal Moore
A First Tech membership is required. By continuing, you are applying for an individual membership savings account
in your name in addition to the products listed above.
Next steps: you’ll be asked to accept disclosures, sign the application, and click submit. Need help? Please call us at
855.855.8805.
Page 9 of 11
Disclosures
Primary
I have read the E-SIGN Disclosure. I agree and consent to the use of electronic records and *
signatures in the application
I have read and agree to confirm to all applicable terms and conditions set forth in the *
Membership and Account Agreement
I have reviewed the Privacy Notice *
I have reviewed the Truth in Savings Disclosures - Savings & Checking *
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.

Page 10 of 11
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
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.

By submitting the application, 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. Where applicable, this information may
also be shared by First Tech with other companies to support my transactions and for fraud avoidance purposes. I can
find more detail about how First Tech uses my data in the First Technology Federal Credit Union Privacy Notice.

I expressly authorize First Technology Federal Credit Union (First Tech) to contact me at the email addresses and
phone numbers provided in this application. I authorize First Tech to obtain credit bureau reports to evaluate my
creditworthiness and confirm my identity for this application, and in the future for reviewing credit limits, renewals,
extensions, servicing or collection purposes, and for other legitimate purposes associated with my account. Upon my
request, First Tech will inform me if it requested a consumer report, and if it was, provide me with the name and
address of the consumer reporting agency that furnished the 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). I promise that everything I have stated in this application is correct to the best of my
knowledge and I will notify First Tech immediately if there are any important changes. I understand that it’s a federal
crime to willfully and deliberately provide incomplete or incorrect information on loan applications made to credit unions
insured by the National Credit Union Administration (NCUA). I understand that membership is required to obtain a loan
or other products from First Tech. By signing and submitting I agree to all disclosures presented.
09/07/2021
Page 11 of 11
Consent for Use of Electronic Signatures
and Electronic Disclosures Agreement
Revision Date: May 10, 2021
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, monthly billing or account statements, tax statements, responses to claims, transaction history, privacy policies, and
all other information related to the products, services, and accounts, 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.
Electronic Signature Agreement.

You are signing this Agreement electronically. You agree your E-Signature, or action 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 the Communications, application(s), and this Agreement. You further agree that your signature
or E-Signature on actions taken, application(s), services provided through our online services, acceptance of this Agreement, any
related documents, or Communications is as valid as if you signed the document 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 and all First Tech Communications electronically. You are acknowledging
that you are able to use and are able to retain Communications by printing and/or downloading and saving this Agreement and any
other agreements, Communications, documents, or records that are signed using your E-Signature. You accept Communications
provided via email or other electronic means as reasonable and 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 delivery 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;
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firsttechfed.com | 855.855.8805 Page 1 of 3

3. To the extent permissible by law, by access to a web site that we will generally designate in advance for such purpose; or
4. 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. You may have to pay a fee for paper copies, unless
charging a fee is prohibited by applicable law. Please refer to the applicable agreement and our Fee Schedule/Sheet at firsttechfed.
com for any fee that may apply for paper copies.
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 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, browser, and software. First Tech is not responsible
for errors or failures due to any malfunction of your computer, browser, or software. First Tech is also not responsible for computer
viruses or related problems associated with use of an online system. Your acceptance of this Agreement indicates that you have
access to the Internet, an email account capable of receiving Communication from First Tech, and software compatible with accessing
PDF documents.
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.
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
F-00060 210510

Mobile Browser 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.
A. 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.
B. 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.
C. 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.
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 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 210510

Membership and
Account Agreement
MEMBERSHIP AND ACCOUNT AGREEMENT
TABLE OF CONTENTS
TERMS AND CONDITIONS, Consumer and Business Accounts.......................3
This is an Agreement...........................................................................................................3
Definitions................................................................................................................................3
Right to Setoff from Account, Consensual Lien and Statutory Lien....................4
Cross Collateralization........................................................................................................4
Identification Notice (USA PATRIOT Act)......................................................................4
Arbitration Agreement........................................................................................................5
Bylaws.......................................................................................................................................6
Power of Attorney................................................................................................................. 7
Transfer of Account Ownership....................................................................................... 7
Liability...................................................................................................................................... 7
Deposits....................................................................................................................................8
Truncation, Substitute Checks, and Other Check Images.....................................8
Checks......................................................................................................................................8
Endorsement Standards.....................................................................................................9
Transactions by Mail........................................................................................................... 10
Withdrawal Rights............................................................................................................... 10
Payment Order of Items.................................................................................................... 12
Overdraft Policy Disclosure............................................................................................. 12
Early Withdrawal Penalties.............................................................................................. 18
Pledges................................................................................................................................... 19
Ownership of Account and Beneficiary Designation............................................. 19
UTMA Accounts.................................................................................................................. 20
Health Savings Accounts (HSA)..................................................................................... 21
Stop Payments..................................................................................................................... 21
Waiver of Notices............................................................................................................... 22
Funds Transfers.................................................................................................................. 22
Transfer Limitations........................................................................................................... 24
Telephone Transfers......................................................................................................... 25
Unclaimed Property.......................................................................................................... 25
Unclaimed Property Notice............................................................................................ 25
Amendments and Termination...................................................................................... 25
Notices................................................................................................................................... 26
Limitation of Services and Termination of Membership...................................... 26
Changing Account Products.......................................................................................... 26
Statements.............................................................................................................................27
Levies, Garnishments and Other Legal Processes................................................ 28
Resolving Account Disputes.......................................................................................... 28
Lost, Destroyed, or Stolen Certified, Cashier’s, or Teller’s Checks................. 28
Claim of Loss........................................................................................................................ 29
Account Security................................................................................................................ 29
Credit Verification.............................................................................................................. 30
Facsimile Signatures.......................................................................................................... 31
International ACH Transactions..................................................................................... 31
Cash Transaction Reporting............................................................................................ 31
Backup Withholding/TIN Certification........................................................................ 31
Unlawful Internet Gambling Notice.............................................................................. 31
Telephonic Instructions.................................................................................................... 31
Monitoring and Recording Telephone Calls.............................................................. 31
Cellular Phone Contact Policy and
Consent to Receive Communications..................................................................... 32
NCUA Insurance................................................................................................................. 32
For Business Accounts Only......................................................................................... 32
Business, Organization and Association Accounts............................................... 32
Fictitious Business Name Accounts............................................................................ 33
Beneficial Ownership........................................................................................................ 33
Rules and Legal Venue Governing Your Account.................................................. 33
ELECTRONIC DEPOSIT AGREEMENT........................................................................ 33
ELECTRONIC FUND TRANSFERS
YOUR RIGHTS AND RESPONSIBILITIES................................................................ 34
SUBSTITUTE CHECKS AND YOUR RIGHTS............................................................ 42
FUNDS AVAILABILITY POLICY DISCLOSURE......................................................... 44
Common Features..............................................................................................................47
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TERMS AND CONDITIONS
CONSUMER AND BUSINESS ACCOUNTS
THIS IS AN AGREEMENT - This document, to include the: Electronic
Deposit Agreement; Electronic Fund Transfers - Your Rights and
Responsibilities; Substitute Checks and Your Rights; Funds Availability
Policy Disclosure; and Common Features (all of which being attached
to this Agreement), along with any other contracts we mutually agree
to either through execution or availment to benefit; disclosures we
give you when you open your account (for example our Rates and Fees
Schedule/Sheet, and/or Privacy Notice) and other fee disclosures;
disclosures we give to you when you use additional products and
services (for example our Online Banking Agreement; Health Savings
Custodial Account Agreement and Disclosure); periodic statements;
loan bills; user guides; and any appropriate means such as direct mail
and notices on or with your statement, including statements delivered
electronically, is a contract that establishes rules which control your
account(s) with us.
Please read this Agreement carefully and retain it for future use.
This Agreement is revised periodically, so it may include changes
from earlier revisions. By providing a written or electronic signature
on a signature card or other agreement or contract, opening, or
continuing to hold an account with us, you agree to the most recent
version of this Agreement, which is available to you at your local
First Tech branch, at www.firsttechfed.com, or by calling us at
855.855.8805.
The purpose of this document is to:
1. summarize some laws that apply to common transactions;
2. establish rules to cover transactions or events which the law does
not regulate;
3. establish rules for certain transactions or events which the law
regulates but permits variation by agreement; and
4. provide you disclosures of some of our policies to which you may
be entitled or in which you may be interested.
If any provision of this document is found to be unenforceable
according to its terms, all remaining provisions will continue in full
force and effect. We may permit some variations from our standard
agreement, but we must agree to any variation in writing either on the
signature card for your account or in some other document. Nothing in
this document is intended to vary our duty to act in good faith and with
ordinary care when required by law.
DEFINITIONS - As used in this document the words “First Tech,”
“Credit Union,” “we,” “our,” and “us” mean First Technology Federal
Credit Union, “Primary Member” or “Primary” account holder means
the account holder listed first on the application, current account
card, or our system (as applicable), “Joint Member” or “Joint” account
holder(s) means any account holder other than the Primary Member in
our system, and the words “you” and “your” mean the account holder(s)
and anyone else with the authority to deposit, withdraw, or exercise
control over the funds in the account. However, this Agreement does
not intend, and the terms “you” and “your” should not be interpreted,
to expand an individual’s responsibility for an organization’s liability.
If this account is owned by a corporation, partnership or other
organization, individual liability is determined by the laws generally
applicable to that type of organization. The headings in this document
are for convenience or reference only and will not govern the
interpretation of the provisions. Unless it would be inconsistent to do
so, words and phrases used in this document should be construed so
the singular includes the plural and the plural includes the singular.
Any changes to designated Primary Member/Primary account holder
3
in our system requires the consent of all accountholders on that
account except First Tech may, at our discretion, make changes as
required by law, regulation, or changed circumstances (such as the
death of an account holder).
RIGHT TO SETOFF FROM ACCOUNT, CONSENSUAL LIEN AND
STATUTORY LIEN - 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.
Additionally, to secure your performance under this 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 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
accounts 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 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 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.
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
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 loan(s) on your primary residence.
IDENTIFICATION NOTICE (USA PATRIOT ACT) - 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.
4
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.
ARBITRATION AGREEMENT - If you have a dispute, we want to
resolve it as quickly and easily as possible. Please contact us to
discuss your concerns. If we are unable to resolve your dispute, you
agree that you or First Tech can initiate arbitration as described in this
section.
What is Arbitration?
Arbitration means an impartial third party will hear the dispute
between First Tech and you and provide a decision. Binding
arbitration means the decision of the arbitrator is final and
enforceable. A “dispute” is any unresolved disagreement between
First Tech and you. A “dispute” may also include a disagreement
about this Arbitration Agreement’s meaning, application, or
enforcement. This Arbitration Agreement is entered into pursuant
to the Federal Arbitration Act, 9 U.S.C. §§ 1-16 (“FAA”).
Do I have to agree to this Arbitration Agreement?
You may opt-out of this Arbitration Agreement by calling us at
855.855.8805 or by sending a secure message through our online
banking system within 60 days of establishing your membership. If
you do not opt-out, this Arbitration Agreement will apply without
limitation, regardless of whether your membership is closed, you file
for bankruptcy, or you pay us any outstanding debt that you owe in full.
What disputes are subject to Arbitration?
Disputes between you and First Tech about your membership,
accounts, account transactions, safe deposit box(es), loans, and any
related service with First Tech are subject to arbitration. Any disputes
arising from or relating to this Arbitration Agreement, any prior
Membership and Account Agreement between you and First Tech, or
the advertising, the application for, or the approval or establishment
of your membership are also included. Disputes are subject to
arbitration, regardless of what theory they are based on or whether
they seek legal or equitable remedies. Arbitration applies to any and
all such disputes, whether they arose in the past, may currently exist,
or may arise in the future.
Can I still have my dispute heard by a court or be part of a class
action?
Unless you opt-out of this Arbitration Agreement you and First Tech
are waiving the right to have a dispute heard before a judge or jury,
or decided by a court or government tribunal. You and First Tech
also waive any right or ability to participate in a representative or
class action basis, or act as a private attorney general in arbitration
or court. The only exception to this Arbitration Agreement is that both
you and First Tech have the right to pursue a dispute in a small claims
court instead of arbitration, if the dispute is in that court’s jurisdiction
and it proceeds on an individual basis. No arbitrator shall have
authority to entertain any dispute on behalf of a person who is not a
named party, nor shall any arbitrator have authority to make any award
for the benefit of, or against, any person who is not a named party. If
any provision relating to class or representative action is determined
to be illegal or legally unenforceable for a specific type of dispute or
class of disputes then this Arbitration Agreement will not be applicable
as to that specific type of dispute or class of dispute. If any provision
related to a class or representative action is determined to be illegal or
legally unenforceable for all disputes then this Arbitration Agreement
will be inapplicable in its entirety.
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How is a dispute submitted to Arbitration and what rules apply to
Arbitration?
Either First Tech or you may submit a dispute to binding arbitration
at any time, regardless of whether a lawsuit or other proceeding has
previously begun. For information on initiating arbitration contact
JAMS at 620 Eighth Avenue, 34th Floor, New York, New York 10018,
or jamsadr.com; or the AAA at 335 Madison Avenue, Floor 10, New
York, New York 10017, or www.adr.org. The selected organization
will serve as the “Arbitration Administrator” and apply its rules of
procedure in effect at the time the dispute is filed. A single arbitrator
will conduct the arbitration and will use applicable substantive law,
including the Uniform Commercial Code, consistent with the FAA
and the applicable statutes of limitations or conditions precedent
to suit, and will honor claims of privilege recognized at law. The
arbitrator can award damages or other relief provided for by law to
you or First Tech, but not to anyone else. The arbitrator’s authority is
limited to the disputes between you and First Tech. The arbitrator’s
decision, rendered in a reasoned opinion, will be final and binding
on the parties. A party can file a written appeal to the arbitration
administrator within 30 days of issuance of the award. The appeal
must request a new arbitration based on a good faith objection to
the reasoned opinion of the arbitrator(s) and shall be heard by three
neutral arbitrators designated by the Arbitration Administrator. The
panel will reconsider all factual and legal issues, following the same
rules of procedure as the initial arbitration, and based on a majority
vote therefore determining whether any reversible error has occurred.
Any final arbitration award, rendered in a reasoned opinion, will be
binding on the named parties and enforceable by any court having
jurisdiction. If there are any differences between the organization’s
rules of procedure and this Arbitration Agreement, this Arbitration
Agreement applies. If this Arbitration Agreement is in dispute, the
arbitrator will decide whether it is enforceable.
Who pays Arbitration fees and expenses?
First Tech will pay any costs that are required to be paid by First Tech
under the arbitration organization’s rules of procedure. Even if not
otherwise required, First Tech will reimburse you up to $500 for any
initial arbitration filing fees you have paid. First Tech will also pay any
fees of the arbitrator and arbitration organization for the first day of
any hearing. If you win the arbitration, First Tech will reimburse you for
any fees you paid to the Arbitration Administrator and/or arbitrator. All
other fees will be allocated according to the Arbitration Administrator’s
rules and applicable law.
What other rights does First Tech or you have when resolving
disputes?
First Tech or you each can exercise any lawful rights or use other
available remedies to:
• Preserve or obtain possession of property;
• Exercise peaceful self-help remedies such as rights to setoffs,
consensual liens, or statutory liens; or
• Obtain provisional or ancillary remedies such as injunctive
relief, attachment, garnishment, or appointment of a receiver by
a court of competent jurisdiction.
BYLAWS - Our bylaws, which we may amend from time to time,
establish basic rules about our credit union policies and operations
which affect your account and membership. You may obtain a copy of
the bylaws on request. Unless we have agreed otherwise, you are not
entitled to receive any original item (for example a check presented
for negotiation) after it is paid, although you may request that we send
you an item(s) or a copy of an item(s).
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To be eligible for membership in the Credit Union you must be
an individual or entity qualifying within the Credit Union’s field of
membership and must purchase and maintain at least one share as
required by the Credit Union’s Bylaws. You authorize us to check
your account, credit and employment history, and to obtain a credit
report from third parties (including credit reporting agencies) to
verify your eligibility for the accounts and services we may offer. Your
membership share must not be reduced below the value of one share
(“par value” as set forth in the Credit Union Bylaws (presently set at
$5.00)). To protect your membership, we may limit access to your
initial par value balance.
POWER OF ATTORNEY - You may wish to appoint an agent to
conduct transactions on your behalf. (We, however, have no duty or
agreement whatsoever to monitor or insure that the acts of the agent
are for your benefit.) This may be done by allowing your agent to sign
in that capacity on the signature card or by separate form, such as
a power of attorney. A power of attorney continues until your death
or the death of the person given the power. If the power of attorney
is not “durable,” it is revoked when you become incompetent. We
may continue to honor the transactions of the agent until: (a) we have
received written notice or have actual knowledge of the termination
of the authority or the death of an owner, and (b) we have had a
reasonable opportunity to act on that notice or knowledge. You agree
not to hold us responsible for any loss or damage you may incur as a
result of our following instructions given by an agent acting under a
valid power of attorney.
TRANSFER OF ACCOUNT OWNERSHIP - If you attempt to transfer
or assign all or a part of your account, we will not be bound by the
transfer or assignment until we agree in writing to the transfer or
assignment. We are not required to accept or recognize any transfer
or assignment. Unless we agree otherwise in writing, any rights of a
transferee or assignee will be subject to our right of setoff or prior
security interest. We have no obligation to notify you or any other
person before disbursing any funds from your account in accordance
with what we in good faith believe to be the terms of the transfer or
assignment.
LIABILITY - You agree, for yourself (and the person or entity you
represent if you sign as a representative of another) to the terms of
this account and the schedule of charges. You authorize us to deduct
these charges, without notice to you, directly from the account
balance as accrued. You will pay any additional reasonable charges
for services you request which are not covered by this Agreement.
Each of you also agrees to be jointly and severally (individually) liable
for any account shortage resulting from charges or overdrafts, whether
caused by you or another with access to your account. This liability
is due immediately, and can be deducted directly from the account
balance whenever sufficient funds are available. You have no right to
defer payment of this liability, and you are liable regardless of whether
you signed the item or benefited from the charge or overdraft.
You will be liable for our costs as well as for our reasonable attorneys’
fees, to the extent permitted by law, whether incurred as a result of
collection or in any other dispute involving your account. This includes,
but is not limited to, disputes between you and another joint owner;
you and an authorized signer or similar party; or a third party claiming
an interest in your account. This also includes any action that you or a
third party takes regarding the account that causes us, in good faith,
to seek the advice of an attorney, whether or not we become involved
in the dispute. All costs and attorneys’ fees can be deducted from your
account when they are incurred, without notice to you.
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DEPOSITS - We will give only provisional credit until collection is
final for any items, other than cash, we accept for deposit (including
items drawn “on us”). Before settlement of any item becomes final,
we act only as your agent, regardless of the form of endorsement or
lack of endorsement on the item and even though we provide you
provisional credit for the item. We may reverse any provisional credit
for items that are lost, stolen, or returned. Unless prohibited by law,
we also reserve the right to charge back to your account the amount
of any item deposited to your account or cashed for you which was
initially paid by the payor bank and which is later returned to us due
to an allegedly forged, unauthorized or missing endorsement, claim
of alteration, encoding error, counterfeit cashier’s check, or other
problem which upon our discretion justifies reversal of credit. You
authorize us to attempt to collect previously returned items without
giving you notice, and in attempting to collect we may permit the payor
bank to hold an item beyond the midnight deadline. Actual credit for
deposits of, or payable in, foreign currency will be at the exchange
rate in effect on final collection in U.S. dollars. We are not responsible
for transactions by mail or outside depository until we actually record
them. We will treat and record all transactions received after our “daily
cutoff time” on a business day we are open, or received on a day we
are not open for business, as if initiated on the next business day that
we are open. At our option, we may take an item for collection rather
than for deposit. If we accept a third-party check or draft for deposit,
we may require any third-party endorsers to verify or guarantee
their endorsements, or endorse in our presence. For deposits made
electronically, for example via mobile deposit, please refer to the
Electronic Deposit Agreement section within this agreement.
Direct Deposits - If we are required for any reason to reimburse the
federal government for all or any portion of a benefit payment that was
directly deposited into your account, you authorize us to deduct the
amount of our liability to the federal government from the account or
from any other account you have with us, without prior notice and at
any time, except as prohibited by law. We may also use any other legal
remedy to recover the amount of our liability.
TRUNCATION, SUBSTITUTE CHECKS, AND OTHER CHECK
IMAGES - If you truncate an original check and create a substitute
check, or other paper or electronic image of the original check, you
warrant that no one will be asked to make payment on the original
check, a substitute check or any other electronic or paper image, 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 in
conformance with our internal policy for retaining original checks.
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 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.
CHECKS -
Postdated Checks - A postdated check is one which bears a date later
than the date on which the check is written. We may properly pay and
charge your account for a postdated check even though payment was
made before the date of the check, unless we have received written
notice of the postdating in time to have a reasonable opportunity to
act.
Stale-Dated Checks - We are not obligated to, but may at our option,
pay a check, other than a certified check, presented for payment more
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than six months after its date. If you do not want us to pay a stale-
dated check, you must place a stop payment order on the check in the
manner we have described elsewhere.
Restrictive Legends or Endorsements - The automated processing
of the large volume of checks we receive prevents us from inspecting
or looking for restrictive legends, restrictive endorsements or other
special instructions on every check. For this reason, we are not
required to honor any restrictive legend or endorsement or other
special instruction placed on checks you write unless we have agreed
in writing to the restriction or instruction. Unless we have agreed in
writing, we are not responsible for any losses, claims, damages, or
expenses that result from your placement of these restrictions or
instructions on your checks. Examples of restrictive legends placed
on checks are “must be presented within 90 days” or “not valid for
more than $1,000.00.” The payee’s signature accompanied by the
words “for deposit only” is an example of a restrictive endorsement.
Check Storage and Copies - You agree that you will not receive your
canceled checks. We will store your canceled checks or copies of
them for a reasonable retention period.
You may request copies from us in the manner we require.
Remotely Created Checks - Like any standard check or draft, a
remotely created check (sometimes called a telecheck, preauthorized
draft or demand draft) is a check or draft that can be used to withdraw
money from an account. Unlike a typical check or draft, a remotely
created check is not issued by the paying bank and does not contain
the signature of the account owner (or a signature purported to be
the signature of the account owner). In place of a signature, the check
usually has a statement that the owner authorized the check or has the
owner’s name typed or printed on the signature line.
You warrant and agree to the following for every remotely created
check we receive from you for deposit or collection: (1) you have
received express and verifiable authorization to create the check in
the amount and to the payee that appears on the check; (2) you will
maintain proof of the authorization for at least 2 years from the date of
the authorization, and supply us the proof if we ask; and (3) if a check
is returned you owe us the amount of the check, regardless of when
the check is returned. We may take funds from your account to pay the
amount you owe us, and if there are insufficient funds in your account,
you still owe us the remaining balance.
Check Processing - We process items mechanically by relying solely
on the information encoded in magnetic ink along the bottom of the
items. 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 magnetic ink. You agree that we have not failed to exercise ordinary
care solely because we use our automated system to process items
and do not inspect all items processed in such a manner. Using an
automated process helps us keep costs down for you and all account
holders.
Check Cashing - We may charge a fee for anyone that does not
have an account with us who is cashing a check, draft or other
instrument written on your account. We may also require reasonable
identification to cash such a check, draft or other instrument. We can
decide what identification is reasonable under the circumstances and
such identification may be documentary or physical and may include
collecting a thumbprint or fingerprint.
ENDORSEMENT STANDARDS - We may accept for deposit any item
payable to you or your order, even if they are not endorsed by you.
We may give cash back to any one of you. We may supply any missing
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endorsement(s) for any item we accept for deposit or collection, and
you warrant that all endorsements are genuine.
To ensure that your check or share draft is processed without delay,
you must endorse it (sign it on the back) in a specific area. Your
entire endorsement (whether a signature or a stamp) along with any
other endorsement information (e.g. additional endorsements, ID
information, driver’s license number, etc.) must fall within 11/2” of the
“trailing edge” of a check. Endorsements must be made in blue or
black ink, so that they are readable by automated check processing
equipment.
As you look at the front of a check, the “trailing edge” is the left
edge. When you flip the check over, be sure to keep all endorsement
information within 1½” of that edge.
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. You agree that you will indemnify, defend, and hold
us harmless for any loss, liability, damage or expense that occurs
because your endorsement, another endorsement or information you
have printed on the back of the check obscures our endorsement.
These endorsement guidelines apply to both personal and business
checks.
TRANSACTIONS BY MAIL - You may deposit checks or drafts by
mail. You should endorse the check being sent through the mail
with the words “For Deposit Only” and should include your correct
account number underneath to ensure the check is credited to the
correct account. You should also include a deposit slip which can be
downloaded from the credit union’s website. If you do not use your
deposit slip or provide us with instructions indicating how or where
the item should be credited, we may apply it to any account or any loan
balance you have with us or we may return the item to you. Following
your deposit, examine your statement carefully or call us to ensure that
we received the item. Do not send cash through the mail for deposit.
WITHDRAWAL RIGHTS -
Generally - Unless clearly indicated otherwise on the account
records, any of you, acting alone, who signs to open the account or
has authority to make withdrawals may withdraw or transfer all or any
part of the account balance at any time. Each of you (until we receive
written notice to the contrary) authorizes each other person who signs
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or has authority to make withdrawals to endorse any item payable to
you or your order for deposit to this account or any other transaction
with us.
Advance Notice of Withdrawals - For all savings accounts and all
personal dividend bearing checking accounts, we reserve the right to
require seven (7) days’ prior written notice of withdrawal.
Postdated checks - A postdated check is one which bears a date later
than the date on which the check is written. We may properly pay and
charge your account for a postdated check even though payment was
made before the date of the check, unless we have received written
notice of the postdating in time to have a reasonable opportunity to
act.
Because we process checks mechanically, your notice will not be
effective and we will not be liable for failing to honor your notice unless
it precisely identifies the number, date, amount and payee of the item.
Checks and withdrawal rules - If you do not purchase your share
drafts (checks) from us, you must be certain that we approve the
share drafts (checks) you purchase. We may refuse any withdrawal
or transfer request which is greater in number than the frequency
permitted by our policy, or which is for an amount greater or less
than any withdrawal limitations. We will use the date the transaction
is completed by us (as opposed to the date you initiate it) to apply
any frequency limitations. In addition, we may place limitations on the
account until your identity is verified.
Even if we honor a nonconforming request, we are not required to do
so later. If you violate the stated transaction limitations (if any), in our
discretion we may close your account or reclassify it as another type of
account. If we reclassify your account, your account will be subject to
the fees and earnings rules of the new account classification.
If we are presented with an item drawn against your account that
would be a “substitute check,” as defined by law, but for an error or
defect in the item introduced in the substitute check creation process,
you agree that we may pay such item.
Cash withdrawals - We recommend you take care when making large
cash withdrawals because carrying large amounts of cash may pose
a danger to your personal safety. As an alternative to making a large
cash withdrawal, you may want to consider a cashier’s check or similar
instrument. You assume full responsibility of any loss in the event the
cash you withdraw is lost, stolen, or destroyed. You agree to hold
us harmless from any loss you incur as a result of your decision to
withdraw funds in the form of cash.
Funds availability - Knowing when funds you deposit will be made
available for withdrawal is another important concept that can help
you avoid being assessed fees or charges. Please see our funds
availability disclosure for information on when different types of
deposits will be made available for withdrawal. For those accounts to
which our funds availability policy disclosure does not apply, you can
ask us when you make a deposit when those funds will be available
for withdrawal. An item may be returned after the funds from the
deposit of that item are made available for withdrawal. In that case,
we will reverse the credit of the item. We may determine the amount
of available funds in your account for the purpose of deciding whether
to return an item for insufficient funds at any time between the times
we receive the item and when we return the item or send a notice
in lieu of return. We need only make one determination, but if we
choose to make a subsequent determination, the account balance
at the subsequent time will determine whether there are insufficient
available funds.
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Multiple signatures, electronic check conversion, and similar
transactions - An electronic check conversion transaction is a
transaction where a check or similar item is converted into an
electronic fund transfer as defined in the Electronic Fund Transfers
regulation. In these types of transactions the check or similar item is
either removed from circulation (truncated) or given back to you. As a
result, we have no opportunity to review the signatures or otherwise
examine the original check or item. You agree that, as to these or any
items as to which we have no opportunity to examine the signatures,
you waive any requirement of multiple signatures.
PAYMENT ORDER OF ITEMS - The order in which items are paid
is important if there is not enough money in your account to pay all
of the items that are presented. The payment order can affect the
number of items overdrawn or returned unpaid and the amount of the
fees you may have to pay. For information about how we post items
presented to your account, please review the OVERDRAFT POLICY
DISCLOSURE, Payment Types and How They Are Processed, and
How Transactions Are Posted To Your Account in the next section.
OVERDRAFT POLICY DISCLOSURE -
The Overdraft Policy describes circumstances when we may, at our
sole discretion, pay overdraft transactions from your share account and
when we may charge you a fee, along with other related information
that may impact overdrawn transactions. The following definitions,
examples, and related information explain how we implement our
policy. If you don’t understand any of these terms or information in
this policy, then please call us at 855.855.8805 or visit a branch for
assistance.
1. DEFINITIONS
• “Overdraft” means the Available Balance in your account does
not have enough money to cover a transaction at the time it is
presented to us for authorization or payment, but we authorize
or pay it anyway. See our Rate and Fee Schedule/Sheet, at
www.firsttechfed.com, for fee names and descriptions.
• “Available Balance” is the amount of money in your account
available to you for immediate use. The Available Balance
may differ from the Current Balance because it takes into
account amounts we deducted for pending debit transactions
we have not yet posted to your account, such as debit card
transactions that have been authorized by us and holds related
to debit card transactions. It also takes into account any holds
on deposits. Pending debits and other holds (e.g., authorized
transactions, uncollected funds, unavailable funds, etc. See
our Rate and Fee Schedule/Sheet, at www.firsttechfed.com)
will reduce the amount of funds in your Available Balance. The
Funds Availability Policy disclosed in this Agreement includes
additional information about when we place holds on your
deposits. See Overdraft Protection section for additional details
on how linked accounts may impact your transactions.
• “Current Balance” is the amount of money in your account,
including credit for the full amount of all deposits posted
without regard to any portion of the deposit that may be on hold.
Current Balance only reflects transactions that have “posted” to
your account, but not transactions that have been authorized
and are “pending”, or other payments such as checks you have
written but not yet presented to us for payment. While these
balance terms may sound as though the amount represents
an up-to-date display of what is in your account that you can
spend, that is not always the case. Any checks you have written,
purchases, holds, fees, other charges, or deposits made on
your account that have not yet posted will not appear in your
Current Balance.
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• “Point of Sale” (POS) Everyday Transactions refers to everyday
transactions where you pay for your purchase using your debit
card, such as when you purchase gas at a gas station or buy
lunch at a restaurant.
• “Point of Sale” (POS) Recurring Transactions refers to
transactions where you pay for your purchase using your debit
card, such as when you set up payments for gym memberships
or online streaming services using your debit card.
• “Card Payment Networks” refers to the different electronic
networks used to process Point of Sale card transactions.
Depending on the network used by the merchant, a payment
may be debited from an account immediately or may take
several days before it is presented to us for posting to an
account.
• “Automated Clearing House” (ACH) is an electronic network
for financial transactions in the United States that processes
large volumes of credit and debit transactions in batches.
• “Pending Transactions” are debit and credit transactions that
have been initiated but have not yet posted to your account.
These transactions will show as “pending” or create a hold
in our system until posted. For debit card transactions, your
Available Balance will be reduced at the time the transaction
has been initiated. Your Current Balance will not be reduced
until the pending debit transaction posts.
• “Posted Transactions” are transactions reflected in your
Current Balance and which have been processed and posted
to your account.
• “Presented Transactions” are transactions initiated by a
third party such as a merchant for payment. Once presented,
the transaction is then determined to be rejected or paid.
The transaction could result in pended or posted transaction
statuses depending upon how the third party initiates the
transaction which affect your current and/or available balances.
• “Discretionary Overdraft” refers to a service we provide,
once your account is 60 days old, where we may, in our sole
discretion, pay certain types of transactions you initiate, even if
it causes an overdraft in your account (you don’t have enough
money in your Available Balance at the time the transaction is
presented for authorization or posting). We do not authorize
and pay overdrafts for the following types of transactions: 1)
ATM transactions or 2) POS Everyday Transactions. Account(s)
with a primary account holder under 18 years of age are not
eligible to participate in the Discretionary Overdraft Program.
• “Overdraft Protection” is different from Discretionary
Overdraft. Overdraft Protection is a service whereby we
link your existing share savings account(s) to your checking
account(s) upon request. If you apply and are approved for a
Line of Credit account (LOC), at your request, we will link the
LOC to your checking account as well. These links enable funds
to be automatically transferred from one or more of the linked
accounts to your checking account in case of an overdraft.
Overdraft Protection transfer fees (if applicable) are generally
less expensive than the cost of Discretionary Overdraft fees,
and we will always try to use Overdraft Protection, so long as
you have enough funds available in your LOC or enough money
in your savings account to cover an overdraft before we use
Discretionary Overdraft. Overdraft transfers from credit lines
will be made to the nearest $0.01 and transfers from a savings
account will be made in $100.00 increments. Transfers from
a savings account are limited. Please refer to the Transfer
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Limitations section within this Agreement for additional
information. Please refer to the Rate and Fee Schedule/Sheet
for the current fee amount, if any.
2. PAYMENT TYPES AND HOW THEY ARE PROCESSED
• ACH transactions - These transactions are presented to us
for processing electronically in large batches that include,
for example, direct deposit of payroll checks and automatic
payments you set up, such as a monthly utility bill or monthly
gym charge using your account number (not debit card number).
If you do not have enough money in your Available Balance at
the time an ACH payment is presented to your account, there
will be an overdraft. If we pay the ACH, you will be charged an
Overdraft fee. If we reject it, then it will be returned unpaid and
you will be charged a Return Item fee. See our Rate and Fee
Schedule/Sheet for details.
• Checks - The checks you wrote are also presented to us for
processing in batches. If you do not have enough money in
your Available Balance at the time a check is presented to your
account, then there will be an overdraft. Again, if we pay the
check anyway, then you will be charged an Overdraft fee. If we
reject it, then it will be returned unpaid and you will be charged
a Return Item fee. See our Rate and Fee Schedule/Sheet for
details.
• ATM withdrawals - Withdrawals from ATMs immediately reduce
the amount of money in both your Current Balance and Available
Balance. We do not allow overdrafts for ATM withdrawals. If you
do not have enough money in your Available Balance at the
time you enter your PIN (Personal Identification Number), then
we will not allow you to make ATM withdrawals. In other words,
generally, you cannot cause an overdraft by making an ATM
withdrawal.
• POS Debit Card Transactions - Generally, POS transactions
including, but not limited to, e-commerce and card-not-
present, reduce the amount of money in your Available Balance
immediately. If you do not have enough money in your Available
Balance and do not have Overdraft Protection active at the time
the merchant initiates the transaction, then we will reject the
requested POS transaction. Sufficient funds must be available
in the linked Overdraft Protection account at the time of the
POS transaction for this service to be utilized. We do not allow
Discretionary Overdrafts for POS Everyday Transactions.
There are two ways your transaction may be processed—
either through the PIN network or the Mastercard® network.
Both networks typically require you to enter your PIN for
authentication. (Note: Some merchants may still request your
signature, but generally, you will need to enter your PIN or
use other acceptable electronic authentication methods.) The
network used depends upon how the merchant initiates and
processes the transaction
− PIN Network - Transactions processed through the
PIN network (such as Star) are submitted for payment
immediately. If approved, the payment is deducted from your
account, reducing both your Available and Current Balance
at the time of the transaction.
− Mastercard Network - Transactions processed through
the Mastercard network are submitted for authorization
immediately. If authorized, the transaction is routed to us
for payment and posting to your account, which may take
several days. The authorized amount reduces your Available
Balance at the time of purchase, and will reduce your Current
Balance when we receive it for posting. In the interim, the
transaction amount is identified in our system as a Pending
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Transaction or a hold. If your Available Balance has insufficient
funds when the transaction is presented for payment and
posting (for example, an intervening transaction was paid),
your account will be debited, causing an overdraft since you
committed to making this payment.
3. BALANCE EXAMPLES
Your checking account Current and Available Balances can be
checked online, at an ATM, by phone, or in the branch with one of our
representatives. It is important to understand how the two Balances
work so that you know how much money is in your account at any
given time. These examples illustrate how Current and Available
Balances work.
Example A (illustrates the effect of a transaction you initiate that is
not yet reflected in either your Available or Current Balance).
You have a $50 Current and Available Balance and you just wrote a
check for $40.
• Your Current and Available Balances are still $50 because the
check has not yet been presented and posted to your account.
So, even though your account shows you have $50, you have
already spent $40.
Example B (illustrates the effect of a pending transaction on the
Current and Available Balances).
You have a Current and Available Balance of $50 at the start of a day.
• You pay for lunch at a restaurant for $25 with your debit card and
the payment is routed through the Mastercard network. When
we authorize the transaction at the time merchant initiates the
transaction, we will reduce your Available Balance by $25. We
must honor this transaction when it is presented for payment
because you committed to paying this amount and we provided
the merchant with authorization for payment. Your Current
Balance will still show $50 and the $25 restaurant charge will
show as a pending transaction or hold in our system.
• When we post the payment, which may be several days later,
the Current Balance will be reduced by $25.
Example C (illustrates how the Available Balance is used to
determine when your account is overdrawn). Again, assume your
Current and Available Balances at the start of a day are both $50.
• You use your debit card at a restaurant for $25. If we authorize
the transaction, we will reduce your Available Balance to $25.
Your Current Balance is still $50.
• Before the restaurant charge processing is completed, a check
you wrote for $40 is presented to us for payment. Because
you have only $25 available (you have committed to pay the
restaurant $25), your account will be overdrawn by $15 if we pay
the check, even though your Current Balance is still $50.
• In this case, if we choose to pay the $40 check, you will also be
charged an Overdraft Fee. That fee will be deducted from both
your Available and Current Balances. If we choose to return
the check due to insufficient funds instead of paying it, you will
be charged a Return Item fee that will be deducted from your
account.
See FEE TYPES AND WHEN THEY MAY BE CHARGED section for
additional information about fees.
4. ADDITIONAL CONSIDERATIONS
It is important to understand, you may still overdraw your account
even though the Available Balance appears to show there are
sufficient funds to cover a transaction you want to make. This is
because your Available Balance may not be sufficient to cover all
your outstanding checks and automatic bill payments you authorized
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or other outstanding transactions not yet posted to your account. In
Example C, the outstanding check will not be reflected in your Current
or Available Balances until it is presented to us and paid from your
account.
In addition, your Available Balance may not reflect all of your debit
card transactions. For example, if a merchant obtains our prior
authorization but does not present the POS transaction for payment
within three (3) business days of authorization or even longer in
some cases the authorization hold may be released for the pending
transaction. The Available Balance will not reflect this transaction once
the authorization hold has been released, until the merchant presents
the transaction to us and it is posted to your account. A merchant may
also request an authorization exceeding the amount of the purchase.
For example, a restaurant may request an authorization for an amount
that includes an anticipated tip.
Most Pending Transactions and related authorizations that reduce
your Available Balance are either posted or released within three
(3) business days. However Pending Transaction for services such
as hotel stays and car rentals, can take as long as thirty (30) days to
post or be released. After the authorization has been released, the
merchant may still present the previously authorized transaction for
payment.
5. DISCRETIONARY OVERDRAFT PAYMENT POLICY
After your checking account is 60 days old, Discretionary Overdraft
may be available at our sole discretion to pay certain types of
transactions, even if you don’t have enough money in your Available
Balance at the time the transaction is presented for authorization or
payment. Discretionary Overdraft is not available for ATM and POS
Everyday Transactions.
You can request to opt out of Discretionary Overdraft for most
transactions. However, you will remain responsible for any overdrawn
balances at the time of opt out. To opt out after account opening, call
us at 855.855.8805 or visit a branch to make your request.
The following information summarizes transactions we will or will not
consider for Discretionary Overdraft:
Will consider for Discretionary Overdraft after Checking Account is 60 days

old
Checks and other payments using your account number (e.g., ACH transactions).
POS Recurring Transactions using your debit card (e.g., a monthly gym
membership).
NOT considered for Discretionary Overdraft; rejected at time of request or

returned to presenter unpaid.
We will reject POS Everyday Transactions and ATM withdrawals. (Note: under
limited circumstances, we may sometimes approve paying a transaction, but will
not assess a fee.)
If you contact us to request we not pay any type of transaction through our Stop
Payment process, we will reject or return items presented unpaid where possible.
See Stop Payment section of this Agreement for additional details.
In all cases, whether or not we pay your transaction resulting in an

overdraft is discretionary and we reserve the right to not pay. We may
consider factors such as size of the transaction, if you are making
regular deposits sufficient to cover transactions, and the number of
past overdraft occurrences. The fact that we may honor withdrawal
requests that overdraw the account does not obligate us to do so
later. In addition, if we elect to pay an item resulting in an overdraft,
you have no right to defer payment and you must deposit additional
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funds into your account promptly in an amount sufficient to cover the
overdraft and any related fees.
6. FEE TYPES AND WHEN THEY MAY BE CHARGED
Our Rate and Fee Schedule/Sheet sets forth the amounts we
charge for our services and is available online at www.firsttechfed.
com, at one of our branches, or by contacting our Contact Center at
855.855.8805. The chart below explains when you will be charged a
fee for transactions when your account has insufficient funds. Some
fee names may be abbreviated. See our Rate and Fee Schedule/
Sheet, at www.firsttechfed.com, for fee names, descriptions, and
applicable abbreviations.
Decision For Transaction Fee Status (if and when fee is

Types charged)
Paid Transaction Check, ACH, Overdraft Fee charged for each item
POS Recurring paid if your Available Balance is
Transactions insufficient to pay the item at the time
your transaction is presented.
Rejected Check, ACH Return Item Fee charged for each time
Transaction an item is presented and returned
unpaid if your Available Balance is
insufficient to pay the item at the time
your transaction is presented.
Note: Merchants may submit the same
payment item/transaction multiple
times, if the prior transaction was
rejected, which could result in multiple
fees.
Additionally, Merchants, at their
discretion, can convert Check items
to ACH items and present the item
multiple times.
Rejected, or POS Everyday No overdraft or Return Item Fee
under limited Transactions charged
circumstances,
we pay a
transaction
Rejected ATM withdrawals No Overdraft or Return Item Fee
Transactions and POS charged
Everyday
Transaction
Overdraft Overdraft No Overdraft or Return Item Fee
Protection (linked Protection Charged.
savings or LOC to transfers are - The amount of funds available in the
cover overdrafts) available for linked account(s) will automatically
Order of Payment all transaction transfer to the checking account at
with Overdraft types, except ATM the end of our daily processing cycle
Protection withdrawals. to cover the amounts that would have
Checking otherwise overdrawn the account.
Account: - Transfers from your LOC account are
1. Available also subject to finance charges as
Balance described in your loan agreement.
2. Linked If funds are not available in the
accounts linked account(s) to cover any of the
3. Discretionary overdrawn transactions, then those
Overdraft transactions will be subject to an
overdraft or returned item fee, as
applicable and as explained in previous
sections above.
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7. HOW TRANSACTIONS ARE POSTED TO YOUR ACCOUNT
This section explains generally how and when we post transactions.
This information may assist you with understanding how much money
you have and how much may be available to you at any given time. The
processing order may differ from the order you make the transactions
and could also impact your Available and Current Balance.
Transaction Type Description and Order

“Real Time” transactions Certain transactions are considered “Real Time”
transactions that occur and post to your account
generally when they are initiated during the
course of the day. These include for example, ATM
Transactions, Mobile E-Deposit, Teller Transactions,
POS Debit Card Transactions processed through PIN
networks, Wire Transfers and other account transfers
you initiate in the Branch, ATM, Calling our Contact
Center, or Online Banking.
Other “Batch” Other transactions are grouped together in batches
Transactions by similar transaction types, and post to your account
at various times during the day. Credits in each
batch post first and debits generally post in lowest to
highest amount order:
- ACH transactions. Online bill payments, check
payments, and similar items.
- POS transactions processed through the
Mastercard network can settle throughout the day.
Bank Initiated - Bank initiated fees such as Overdraft, Return Item,
or returned check fees will generally post after the
transaction to which it applies for ACH and items
such as checks, or at the end of the processing
cycle for online banking and POS debit card
transactions.
- Interest posting and automatic account transfers
generally post at the end of our processing day.
8. TIPS FOR AVOIDING OVERDRAFT FEES
The best way to avoid overdraft and returned items and any associated
fees is to always make sure you have enough funds available in your
account to cover all transactions you authorize for payment. You can
always contact us by calling 855.855.8805 or visiting one of our
branches if you have any questions. In addition, the following tips offer
options to assist you.
• Check your balances through a variety of options we offer
including online, mobile, and telephone access.
• Activate the option we offer in online banking to receive low
balance email or mobile alerts.
• Make transfers into your account from funds you may have at
other institutions.
• Apply for Overdraft Protection service to transfer funds from
a linked Share Savings account or an existing LOC to your
checking account to cover overdrafts, which may cost less and
have a lower fee.
EARLY WITHDRAWAL PENALTIES (and involuntary withdrawals)
- We may impose early withdrawal penalties on a withdrawal from a
time or term share account even if you don’t initiate the withdrawal.
For instance, the early withdrawal penalty may be imposed if the
withdrawal is caused by the enforcement of our right to repayment
of indebtedness against funds in the account or as a result of an
attachment or other legal process. We may close your account and
impose the early withdrawal penalty on the entire account balance
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in the event of a partial early withdrawal. See your Truth in Savings
Disclosure for additional information on early withdrawal penalties.
PLEDGES - Each owner of this account may pledge all or any part
of the funds in it for any purpose to which we agree. Any pledge of
this account must first be satisfied before the rights of any surviving
account owner or account beneficiary become effective.
OWNERSHIP OF ACCOUNT AND BENEFICIARY DESIGNATION -
These rules apply to this account depending on the form of ownership
and beneficiary designation, if any, specified on the account records.
We reserve the right to refuse some forms of ownership on any or all of
our accounts. We make no representations as to the appropriateness
or effect of the ownership and beneficiary designations, except
as they determine to whom we pay the account funds. As used in
this Agreement “party” means a person who, by the terms of the
account, has a present right, subject to request, to payment from a
multiple-party account other than as an agent. Any Joint, Joint with
Survivorship, or Community Property account(s) may be closed by
any one of the account holders. It is the responsibility of the account
holder closing the account to distribute any funds to other account
holders.
Individual Account - This is an account in the name of one person.
Joint Account - This account or certificate is owned by the named
parties. Upon the death of any of them, ownership passes to the
survivor(s). All accounts with multiple owners are classified as
Joint Accounts unless indicated otherwise on applicable account
application, or other documentation approved by us.
Joint Account with Survivorship - This account is owned by the
named parties, who are married or registered domestic partners, and
is presumed to be their community property. Upon the death of either
of them, ownership passes to the survivor.
Community Property Account - This account is the community
property of the named parties who are married or registered domestic
partners. The ownership during 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.
Tenancy in Common Accounts - This account is in the name of two or
more individual owners 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, any Tenant in Common will have complete
withdrawal rights to the entire account balance. If more than one
Tenant in Common survives the death of another Tenant in Common,
such survivors remain as Tenants in Common between them. 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. The survivor’s share in the account balance will be at the
disposal of the surviving Tenant in Common.
P.O.D. (Pay-On-Death) Account - A P.O.D. is an account where one
or more persons create the account and name one or more living
persons as beneficiaries. The owner of this account is presumed to
own the funds during their lifetime and intends that ownership to
pass to the beneficiary only upon their death and only if the named
beneficiary survives them. If there is more than one account owner,
the ownership between them is the same as that of joint account
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with right of survivorship. If there is more than one beneficiary who
is named and survives the account owner(s), the ownership rights will
then pass to the surviving beneficiaries in equal shares without the
right of survivorship.
Trust Account Subject to Separate Agreement - We will abide by
the terms of any separate agreement which clearly pertains to this
account and which you file with us. Any additional consistent terms
stated on this form will also apply.
Accounts for Minors. We reserve the right to limit the services that
are available to minors. For any account established by or for a minor,
the minor account owner must have a joint account owner who is a
parent or legal guardian of the minor, as approved by us, who shall
be jointly and severally liable to us. For a joint account, all funds in the
account shall be owned as a Joint Account, with rights of survivorship.
We may make payments of funds directly to the minor without regard
to his or her minority. We have no duty to inquire of the use or purpose
of any transaction by the minor or joint account owner. The minor
account owner’s tax identification number must be used for the
Backup Withholding Certification. We will not automatically remove
joint owners when the minor reaches age eighteen (18). However,
when the minor reaches age eighteen (18), the minor may open new
accounts without regard to any restrictions on, or ownership and
access arrangements of existing accounts.
UTMA ACCOUNTS - Under the Uniform Transfers to Minors Act, the
funds in the account are owned by the child. It is the sole responsibility
of the custodian to determine when to transfer unconditional control
of the funds to the child, or upon the child’s death, pursuant to
applicable law. Before that time, the account may be accessed only
by the custodian (or successor custodian), and the funds must be used
for the benefit of the child. We, however, have no duty or agreement
whatsoever to monitor or insure that the acts of the custodian (or
successor custodian) are for the child’s benefit. We are not responsible
to monitor age or eligibility for an UTMA account, even though our
records may include the minor’s date of birth. For this type of account,
the child’s SSN/TIN is used for the Backup Withholding Certification.
Fiduciary Accounts - Accounts 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. We are not responsible for the
actions of a fiduciary, including the misuse of funds. This account may
be opened and maintained by a person or persons named as a trustee
under a written trust agreement, or as executors, administrators, or
conservators under court orders. You understand that by merely
opening such an account, we are not acting in the capacity of a trustee
in connection with the trust nor do we undertake any obligation to
monitor or enforce the terms of the trust or letters.
Death or Incompetence - You agree to notify us promptly if any
person with a right to withdraw funds from your account(s) dies or
is adjudicated (determined by the appropriate official or medical
personnel) incompetent. We may continue to honor your checks,
items, and instructions until: (a) we know of your death or adjudication
of incompetence, and (b) we have had a reasonable opportunity to
act on that knowledge. You agree that we may pay or certify checks
drawn on or before the date of death or adjudication of incompetence
for up to ten (10) days after your death or adjudication of incompetence
unless ordered to stop payment by someone claiming an interest in
the account.
Re-designation of Membership Savings Account Ownership Role -
Should you be an account owner of a membership savings account
and that membership account is closed, to maintain your membership
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status and retain the rights and privileges of a member you must
establish a new membership account to include depositing the
then current par value amount of one share as set forth in the Credit
Union’s Bylaws (presently set at $5.00). If you do not establish the new
membership savings account in your name within thirty (30) days of
the closing of the previous membership account, you may not be able
to access your share account(s) and you will not be able to access any
available credit on a credit card, credit line, and/or other loan.
HEALTH SAVINGS ACCOUNTS (HSA) - For your convenience, we
may permit you to take distributions from your HSA by check. This
feature can raise a variety of tax concerns – for example getting
additional cash back on an HSA checking transaction. As a result, if
you have more than one account with us, it is a good practice to make
sure you are using the appropriate checkbook for the transaction.
Also, it is your responsibility to ensure your distributions and other
actions related to the HSA comply with the law, including federal tax
law. As always, we recommend consulting a legal or tax professional
if you have any questions about managing your HSA. The terms of
this Agreement are intended to work in conjunction with the HSA
Agreement provided to you separately. In the event of a conflict, the
terms of the HSA Agreement control. You understand that your HSA
is intended to be used for payment of qualified medical expenses. It
is your responsibility to satisfy any tax liability resulting from use of
your HSA for any purpose other than payment or reimbursement of
qualified medical expenses. We do not monitor the purpose of any
transaction to or from your HSA. Nor are we responsible for ensuring
your eligibility for making contributions or ensuring withdrawals are
used for payment or reimbursement of qualified medical expenses.
Refer to your HSA Agreement for more information relating to the use
of your HSA.
STOP PAYMENTS - The rules in this section cover stopping payment
of items such as checks and drafts. Stop payment orders on ACH
debits must be received at least three banking days before the
scheduled transfer. Rules for stopping payment of other types of
transfers of funds, such as consumer electronic fund transfers, may be
established by law or our policy. If we have not disclosed these rules
to you elsewhere, you may ask us about those rules.
We may accept an order to stop payment on any item from any
one of you. You must make any stop-payment order in the manner
required by law and we must receive it in time to give us a reasonable
opportunity to act on it before our stop-payment cutoff time. When
you place your stop-payment order we will tell you what information
we need to stop payment. This information must be exact since stop-
payment orders are handled by computers. If your information is not
exact your order will not be effective and we will not be responsible
for failure to stop payment.
You may stop payment on any item drawn on your account whether
you sign the item or not. Generally, if your stop-payment order is given
to us in writing it is effective for six months after the date received. Your
order will automatically expire after that time if you do not renew the
order in writing before the end of the six-month period. If the original
stop-payment order was oral your stop-payment order may lapse after
14 calendar days if you do not confirm your order in writing within that
time period. We are not obligated to notify you when a stop-payment
order expires. A release of the stop-payment request may be made
only by the person who initiated the stop-payment order.
If you stop payment on an item and we incur any damages or expenses
because of the stop payment, you agree to indemnify us for those
damages or expenses, including attorneys’ fees. You assign to us all
rights against the payee or any other holder of the item. You agree
21
to cooperate with us in any legal actions that we may take against
such persons. You should be aware that anyone holding the item may
be entitled to enforce payment against you despite the stop-payment
order.
With respect to ACH debits, you and we agree to abide by the ACH
rules and regulations, and applicable law, regarding stop-payment
orders.
We will charge you for each stop-payment order you give. Please refer
to the Rate and Fee Schedule/Sheet for the current fee amount.
WAIVER OF NOTICES - 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.
For example, if you deposit an item and it is returned unpaid or we
receive a notice of nonpayment, we do not have to notify you unless
required by federal regulation or other applicable law.
FUNDS TRANSFERS - The terms used in this section have the
meaning given to them in Article 4A of the Uniform Commercial Code
- Funds Transfers (UCC 4A). This section will generally not apply to
you if you are a consumer. However, even if you are a consumer, this
section will apply to that part of any funds transfer that is conducted
by Fedwire. This section is subject to UCC 4A as adopted in the state
in which you have your deposit with us. This Agreement is also subject
to all clearing house association rules, rules of the Board of Governors
of the Federal Reserve System and their operating circulars. If any part
of this Agreement is determined to be unenforceable, the rest of the
agreement remains effective. This Agreement controls funds transfers
unless supplemented or amended in a separate written Agreement
signed by us. This Agreement does not apply to a funds transfer if any
part of the transfer is governed by the Electronic Fund Transfer Act
of 1978 (EFTA), except this Agreement does apply to a funds transfer
that is a remittance transfer as defined in EFTA unless the remittance
transfer is an electronic fund transfer as defined in EFTA.
Funds transfer - A funds transfer is the transaction or series of
transactions that begin with the originator’s payment order, made for
the purpose of making payment to the beneficiary of the order. A funds
transfer is completed by the acceptance by the beneficiary’s bank of
a payment order for the benefit of the beneficiary of the originator’s
order. You may give us a payment order orally, electronically, or in
writing, but your order cannot state any condition to payment to the
beneficiary other than the time of payment. Credit entries may be
made by ACH.
Authorized account - An authorized account is a deposit or share
account you have with us that you have designated as a source of
payment of payment orders you issue to us. If you have not designated
an authorized account, any account you have with us is an authorized
account to the extent that payment of the payment order is not
inconsistent with the use of the account.
Acceptance of your payment order - We are not obligated to accept
any payment order that you give us, although we normally will accept
your payment order if you have a withdrawable credit in an authorized
account sufficient to cover the order. If we do not execute your
payment order, but give you notice of our rejection of your payment
order after the execution date or give you no notice, we are not liable
to pay you as restitution any interest on a withdrawable credit in a non-
interest-bearing account.
Cutoff time - If we do not receive your payment order or communication
canceling or amending a payment order before our cutoff time on a
funds transfer day for that type of order or communication, the order
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or communication will be deemed to be received at the opening of our
next funds transfer business day.
Payment of your order - If we accept a payment order you give us, we
may receive payment by automatically deducting from any authorized
account the amount of the payment order plus the amount of any
expenses and charges for our services in execution of your payment
order. We are entitled to payment on the payment or execution date.
Unless your payment order specifies otherwise, the payment or
execution date is the funds transfer date we receive the payment order.
The funds transfer is completed upon acceptance by the beneficiary’s
bank. Your obligation to pay your payment order is excused if the
funds transfer is not completed, but you are still responsible to pay
us any expenses and charges for our services. However, if you told
us to route the funds transfer through an intermediate bank, and we
are unable to obtain a refund because the intermediate bank that you
designated has suspended payments, then you are still obligated to
pay us for the payment order. You will not be entitled to interest on any
refund you receive because the beneficiary’s bank does not accept
the payment order.
Security procedure - As described more fully in a separate writing,
the authenticity of a payment order or communication canceling
or amending a payment order issued in your name as sender
may be verified by a security procedure. You affirm that you
have no circumstances which are relevant to the determination
of a commercially reasonable security procedure unless those
circumstances are expressly contained in a separate writing signed
by us. You may choose from one or more security procedures that we
have developed, or you may develop your own security procedure if
it is acceptable to us. If you refuse a commercially reasonable security
procedure that we have offered you, you agree that you will be bound
by any payment order issued in your name, whether or not authorized,
that we accept in good faith and in compliance with the security
procedure you have chosen.
Duty to report unauthorized or erroneous payment - You must
exercise ordinary care to determine that all payment orders or
amendments to payment orders that we accept that are issued
in your name are authorized, enforceable, in the correct amount,
to the correct beneficiary, and not otherwise erroneous. If you
discover (or with reasonable care should have discovered) an
unauthorized, unenforceable, or erroneously executed payment
order or amendment, you must exercise ordinary care to notify us of
the relevant facts. The time you have to notify us will depend on the
circumstances, but that time will not in any circumstance exceed 14
days from when you are notified of our acceptance or execution of
the payment order or amendment or that your account was debited
with respect to the order or amendment. If you do not provide us with
timely notice you will not be entitled to interest on any refundable
amount. If we can prove that you failed to perform either of these
duties with respect to an erroneous payment and that we incurred a
loss as a result of the failure, you are liable to us for the amount of the
loss not exceeding the amount of your order.
Identifying number - If your payment order identifies an intermediate
bank, beneficiary bank, or beneficiary by name and number, we and
every receiving or beneficiary bank may rely upon the identifying
number rather than the name to make payment, even if the number
identifies an intermediate bank or person different than the bank
or beneficiary identified by name. Neither we nor any receiving or
beneficiary bank have any responsibility to determine whether the
name and identifying number refer to the same financial institution
or person.
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Record of oral or telephone orders - You agree that we may, if we
choose, record any oral or telephone payment order or communication
of amendment or cancelation.
Notice of credit - If we receive a payment order to credit an account
you have with us, we are not required to provide you with any notice
of the payment order or the credit.
Provisional credit - You agree to be bound by the automated clearing
house association operating rules that provide that payments made
to you or originated by you by funds transfer through the automated
clearing house system are provisional until final settlement is made
through a Federal Reserve Bank or otherwise payment is made as
provided in Article 4A-403(a) of the Uniform Commercial Code.
Refund of credit - You agree that if we do not receive payment of an
amount credited to your account, we are entitled to a refund from you
in the amount credited and the party originating such payment will not
be considered to have paid the amount so credited.
Amendment of funds transfer agreement - From time to time we may
amend any term of this Agreement by giving you reasonable notice
in writing. We may give notice to anyone who is authorized to send
payment orders to us in your name, or to anyone who is authorized to
accept service.
Cancelation or amendment of payment order - You may cancel
or amend a payment order you give us only if we receive the
communication of cancelation or amendment before our cutoff time
and in time to have a reasonable opportunity to act on it before we
accept the payment order. The communication of cancelation or
amendment must be presented in conformity with the same security
procedure that has been agreed to for payment orders.
Intermediaries - We are not liable for the actions of any intermediary,
regardless of whether or not we selected the intermediary. We are not
responsible for acts of God, outside agencies, or nonsalaried agents.
Limit on liability - You waive any claim you may have against us for
consequential or special damages, including loss of profit arising out
of a payment order or funds transfer, unless this waiver is prohibited
by law. We are not responsible for attorney fees you might incur due
to erroneous execution of payment order.
Erroneous execution - If we receive an order to pay you, and we
erroneously pay you more than the amount of the payment order, we
are entitled to recover from you the amount in excess of the amount of
the payment order, regardless of whether you may have some claim to
the excess amount against the originator of the order.
Objection to payment (Minnesota and Texas only) - If we give you
a notice that reasonably identifies a payment order issued in your
name as sender that we have accepted and received payment for,
you cannot claim that we are not entitled to retain the payment unless
you notify us of your objection to the payment within 60 days of our
notice to you.
Objection to payment (for all other states) - If we give you a notice
that reasonably identifies a payment order issued in your name as
sender that we have accepted and received payment for, you cannot
claim that we are not entitled to retain the payment unless you notify
us of your objection to the payment within one year of our notice to
you.
TRANSFER LIMITATIONS - For savings and money market accounts
you may make up to six transfers or withdrawals by means of a
preauthorized, automatic, or telephonic transfer to another account
of yours or to a third party or by check, debit card, or similar order to
24
a third party during any calendar month (or statement cycle of at least
four weeks).
A preauthorized transfer includes any arrangement with us to pay
a third party from your account at (i) a predetermined time; (ii) on a
fixed schedule or (iii) upon oral or written orders including orders
received through the automated clearing house (ACH). If the transfer
or withdrawal is initiated in person, by mail, or at an ATM then there is
no limit on the number of payments that may be made directly to you,
directly to us for amounts you owe us, or transfers to other accounts
you have with us. Withdrawals by phone are also unlimited if you are
requesting that a check be mailed to you.
TELEPHONE TRANSFERS - A telephone transfer of funds from this
account to another account with us, if otherwise arranged for or
permitted, may be made by the same persons and under the same
conditions generally applicable to withdrawals made in writing.
Limitations on the number of telephonic transfers from a savings
account, if any, are described elsewhere.
UNCLAIMED PROPERTY - The law establishes procedures under
which unclaimed property must be surrendered to the state. (We may
have our own rules regarding inactive or dormant accounts, and if we
charge a fee for inactive or dormant accounts it will be disclosed to
you elsewhere.) Generally, the funds in your account are considered
unclaimed if you have not had any activity or communication with us
regarding your account over a period of years. Ask us if you want further
information about the period of time or type of activity that will prevent
your account from being unclaimed. If your funds are surrendered
to the state, you may be able to reclaim them, but your claim must
be presented to the state. Once your funds are surrendered, we no
longer have any liability or responsibility with respect to the funds.
UNCLAIMED PROPERTY NOTICE - Your property may be transferred
to the appropriate state if no activity occurs in the account within the
time period specified by state law.
AMENDMENTS AND TERMINATION - We may change our bylaws
and any term of this Agreement. Rules governing changes in rates are
provided separately in the Truth-in-Savings disclosure or in another
document. For other changes we will give you reasonable notice in
writing or by any other method permitted by law. 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 Membership Policy adopted by the Credit Union and posted on
our website, as 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. Reasonable notice
depends on the circumstances, and in some cases such as when we
cannot verify your identity or we suspect fraud or other illegal activity,
21 days is considered reasonable, it might 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 might 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 Agreement or the provisions
of the Limitation of Services and Termination of Membership Policy
adopted by the Credit Union and posted on our website, as 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).
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NOTICES - Any written notice you give us is effective when we actually
receive it, and it must be given to us according to the specific delivery
instructions provided elsewhere, if any. We must receive it in time to
have a reasonable opportunity to act on it. If the notice is regarding
a check or other item, you must give us sufficient information to be
able to identify the check or item, including the precise check or
item number, amount, date and payee. Written notice we give you is
effective when it is deposited in the United States Mail with proper
postage and addressed to your mailing address we have on file or
effective immediately if sent electronically through a valid email
address you have previously provided or use of online banking.
Notices are delivered to the Primary Member of the account. The
Primary Member is responsible for sharing copies of notices with
other account holder(s). Joint account holders(s) may request a copy
of notices at any branch, through the Contact Center, or secure
messaging within our online banking systems. Notice to any of you is
notice to all of you.
LIMITATION OF SERVICES AND TERMINATION OF MEMBERSHIP
- At our option we may withdraw, limit, suspend, or close member
services (“Limitation of Services”) should you cease to be a member
in “Good Standing” as defined by our Limitation of Services and
Termination of Membership Policy posted on our website, as amended
or modified from time to time. The loss of “Good Standing” may, with
the exception of the Membership Share saving account, result in the
closure of the member’s other personal accounts, other business
accounts, and the other accounts of any legal entity, and/or trust the
member controls. Member services that may be subject to Limitation
of Services include, but are not limited to: loans or other extensions
of credit, share savings or checking accounts, ATM services, home
banking services, telephone banking services, and other electronic
transfer services. Your Membership may be terminated due to
nonparticipation or vote of the membership as outlined in the
Limitation of Services and Termination of Membership Policy. In the
event of any conflicts between the terms of this section and the terms
of the Limitation of Services and Termination of Membership Policy,
the terms of the Limitation of Services and Termination of Membership
Policy shall control. A full copy of our Limitation of Services and
Termination of Membership Policy is located on our website at www.
firsttechfed.com/.
Termination of Electronic Funds Transfer Services. We reserve the
right to terminate this Agreement and/or your use of your ATM/POS/
Check Card/eBranch/Bill Payer access/PIN (“EFT Services”) with or
without cause. We may do so immediately if:
1. You or any authorized user of your EFT Services breaches this or
any other agreement with the Credit Union;
2. We may have reason to believe that there has been, or might be,
an unauthorized use of your EFT Services;
3. You or any authorized user causes a loss to us or do not keep your
obligations;
4. You do not keep your PIN secret and private; or
5. You or any authorized user of your EFT Services or account
request that we do so.
We may also terminate your ability to use EFT Services without cause
upon 30 days advance notice.
CHANGING ACCOUNT PRODUCTS - 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 account, the change will not occur before the
next maturity date of your account. If you do not close your account
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before the date specified in the notice, we may change your account
to that other product on the date specified in the notice.
STATEMENTS -
Your duty to report unauthorized signatures, alterations and
forgeries - You must examine your statement of account with
“reasonable promptness.” If you discover (or reasonably should have
discovered) any unauthorized signatures or alterations, you must
promptly notify us of the relevant facts. As between you and us, if you
fail to do either of these duties, you will have to either share the loss
with us, or bear the loss entirely yourself (depending on whether we
used ordinary care and, if not, whether we contributed to the loss).
The loss could be not only with respect to items on the statement but
other items with unauthorized signatures or alterations by the same
wrongdoer.
You agree that the time you have to examine your statement and
report to us will depend on the circumstances, but will not, in any
circumstance, exceed a total of 30 days from when the statement is
first sent or made available to you.
You further agree that if you fail to report any unauthorized signatures,
alterations or forgeries in your account within 60 days of when we
first send or make the statement available, you cannot assert a claim
against us on any items in that statement, and as between you and us
the loss will be entirely yours. This 60-day limitation is without regard
to whether we used ordinary care. The limitation in this paragraph is in
addition to that contained in the first paragraph of this section.
Your duty to report other errors or problems - In addition to your duty
to review your statements for unauthorized signatures, alterations
and forgeries, you agree to examine your statement with reasonable
promptness for any other error or problem - such as an encoding
error or an unexpected deposit amount. Also, if you receive or we
make available either your items or images of your items, you must
examine them for any unauthorized or missing indorsements or any
other problems. You agree that the time you have to examine your
statement and items and report to us will depend on the circumstances.
However, this time period shall not exceed 60 days. Failure to examine
your statement and items and report any errors to us within 60 days
of when we first send or make the statement available precludes you
from asserting a claim against us for any errors on items identified in
that statement and as between you and us the loss will be entirely
yours.
Errors relating to electronic fund transfers or substitute checks - For
information on errors relating to electronic fund transfers (e.g., on-line,
mobile, debit card or ATM transactions) refer to your Electronic Fund
Transfers disclosure and the sections on consumer liability and error
resolution. For information on errors relating to a substitute check you
received, refer to your disclosure entitled Substitute Checks and Your
Rights.
Duty to notify if statement not received - You agree to immediately
notify us if you do not receive your statement by the date you normally
expect to receive it. Not receiving your statement in a timely manner is
a sign that there may be an issue with your account, such as possible
fraud or identity theft.
Address Updates. You are responsible for notifying us of any change
in your address. Any change of address should be made in a branch,
by phone, in writing or through online banking. If the USPS provides
us with an updated address, we may use the information provided to
update your address. Informing us of your address on a check reorder
form is not sufficient. If provided elsewhere, we may impose a service
fee if we attempt to locate you. We will attempt to communicate with
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you by use of the most recent address you have provided to us. For
your protection, if we are not provided a new address and we receive
returned mail, we will cease mailing your periodic account statements.
Name Changes. You are responsible for notifying us of any change
with your name. Unless we agree otherwise, name changes must be
made in writing by the person to whom the change applies. Informing
us of your name change on a check reorder form is not sufficient. We
require a new identification document and signature for our file.
Statement Fees. Account activity and statements are available on
demand via our online banking platform. Should you decide to receive
paper statements from us, you will be charged a fee as set forth in our
Rate and Fee Schedule/Sheet as published from time to time on our
website (www.firsttechfed.com), or available by written request. If you
are disabled or cannot enroll in online banking due to lack of access to
the internet, this fee will be waived upon your notifying us in a signed
written request.
Combined Statements. If we provide a combined account statement
for your account(s), we will send, or otherwise make available, account
statements to only the Primary Member by United States Postal
Service or electronically at the election of the Primary Member. Please
access our online banking systems to opt in to receive statements
electronically. Joint Member may request a copy of statements at
any branch, through the Contact Center, or secure messaging within
our online banking systems. Please contact us if you are unsure if an
account is currently being provided on a combined statement or who
the Primary Member is for your account.
LEVIES, GARNISHMENTS AND OTHER LEGAL PROCESSES - If we
are served with a subpoena, restraining order, writ of attachment or
execution, levy, garnishment, search warrant, or similar order relating
to your account (termed “legal action” in this section), we will comply
with that legal action. Or, in our discretion, we may freeze the assets
in the account and not allow any payments out of the account until a
final court determination regarding the legal action. We may do these
things even if the legal action involves less than all account owners. In
these cases, we will not have any liability to you if there are insufficient
funds to pay your items because we have withdrawn funds from your
account or in any way restricted access to your funds in accordance
with the legal action. Any fees or expenses we incur when responding
to any legal action (including, without limitation, attorneys’ fees and
our internal expenses) may be charged against your account. The list
of fees applicable to your account(s) provided elsewhere may specify
additional fees that we may charge for certain legal actions.
RESOLVING ACCOUNT DISPUTES - 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 claim adverse to (1) your own interest;
(2) others claiming an interest as survivors or beneficiaries of your
account; or (3) a claim arising by operation of law. The hold may be
placed for such period of time as we believe reasonably necessary
to allow a legal proceeding 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.
LOST, DESTROYED, OR STOLEN CERTIFIED, CASHIER’S, OR
TELLER’S CHECKS - Under some circumstances you may be able to
assert a claim for the amount of a lost, destroyed, or stolen certified,
cashier’s or teller’s check. To assert the claim: (a) you must be the
remitter (or drawer of a certified check) or payee of the check, (b) we
must receive notice from you describing the check with reasonable
certainty and asking for payment of the amount of the check, (c) we
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must receive the notice in time for us to have a reasonable opportunity
to act on it, and (d) you must give us a declaration (in a form we require)
of your loss with respect to the check. You can ask us for a declaration
form. Even if all of these conditions are met, your claim may not be
immediately enforceable. We may pay the check until the ninetieth
day after the date of the check (or date of acceptance of a certified
check). Therefore, your claim is not enforceable until the ninetieth day
after the date of the check or date of acceptance, and the conditions
listed above have been met. If we have not already paid the check,
on the day your claim is enforceable we become obligated to pay you
the amount of the check. We will pay you in cash or issue another
certified check.
At our option, we may pay you the amount of the check before your
claim becomes enforceable. However, we will require you to agree
to indemnify us for any losses we might suffer. This means that if the
check is presented after we pay your claim, and we pay the check, you
are responsible to cover our losses. We may require you to provide a
surety bond to assure that you can pay us if we suffer a loss.
CLAIM OF LOSS - The following rules do not apply to a transaction
or claim related to a consumer electronic fund transfer governed
by Regulation E (e.g., an everyday consumer debit card or ATM
transaction). The error resolution procedures for consumer electronic
fund transfers can be found in our initial Regulation E disclosure
titled, “Electronic Fund Transfers.” For other transactions or claims,
if you claim a credit or refund because of a forgery, alteration, or any
other unauthorized withdrawal, you agree to cooperate with us in the
investigation of the loss, including giving us an affidavit containing
whatever reasonable information we require concerning your
account, the transaction, and the circumstances surrounding the
loss. You will notify law enforcement authorities of any criminal act
related to the claim of lost, missing, or stolen checks or unauthorized
withdrawals. We will have a reasonable period of time to investigate
the facts and circumstances surrounding any claim of loss. Unless
we have acted in bad faith, we will not be liable for special or
consequential damages, including loss of profits or opportunity, or
for attorneys’ fees incurred by you.
You agree that you will not waive any rights you have to recover your
loss against anyone who is obligated to repay, insure, or otherwise
reimburse you for your loss. You will pursue your rights or, at our
option, assign them to us so that we may pursue them. Our liability
will be reduced by the amount you recover or are entitled to recover
from these other sources.
Force Majeure - We shall not be liable for any failure of our obligations
in this Agreement due to causes beyond our reasonable control,
including without limitation acts of God, fire, explosion, vandalism,
storm or other similar catastrophes; any law, order, regulation,
direction action or request of the United States government, or of any
other government, including foreign, state and local governments
having jurisdiction over the parties to this Agreement, or of any
department, agency, commission, court, bureau, corporation or other
instrumentality of any one or more of said governments, or of any civil
or military authority; national emergencies; insurrections; riots; wars;
or strikes, lock-outs, work stoppages or other labor difficulties.
ACCOUNT SECURITY - It is your responsibility to protect the account
number(s) and access device(s) (e.g., an ATM card, debit card, credit
card, passwords, and/or PIN) for your account(s). Do not discuss,
compare, or share information about your account number(s) or
access device(s) with anyone unless you are willing to give them full
use of your money.
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Checks and electronic withdrawals are processed by automated
methods, and anyone who obtains your account number or access
device could use it to withdraw money from your account, with or
without your permission.
Except for consumer electronic funds transfers subject to Regulation E,
you agree that if we offer you services appropriate for your account to
help identify and limit fraud or other unauthorized transactions against
your account, such as positive pay or commercially reasonable security
procedures, and you reject those services, you will be responsible for
any fraudulent or unauthorized transactions which could have been
prevented by the services we offered, unless we acted in bad faith or
to the extent our negligence contributed to the loss.
Positive pay and other fraud prevention services - Except for
consumer electronic fund transfers subject to Regulation E, you agree
that if we offer you services appropriate for your account to help
identify and limit fraud or other unauthorized transactions against your
account, and you reject those services, you will be responsible for
any fraudulent or unauthorized transactions which could have been
prevented by the services we offered. You will not be responsible
for such transactions if we acted in bad faith or to the extent our
negligence contributed to the loss. Such services include positive pay
or commercially reasonable security procedures. The positive pay
service can help detect and prevent check fraud and is appropriate
for account holders that issue: a high volume of checks, a lot of checks
to the general public, or checks for large dollar amounts.
Account numbers - Thieves can encode your account number on a
check which looks and functions like an authorized check and can be
used to withdraw money from your account. Your account number can
also be used to issue a “remotely created check.” Like a typical check, a
remotely created check (sometimes called a telecheck, preauthorized
draft or demand draft) is a draft or check that can be used to withdraw
money from your account. Unlike a typical check or draft, however, a
remotely created check is not issued by the paying bank and does not
contain the signature of the account owner (or a signature purported
to be the signature of the account owner). If you have truly authorized
the remotely created check (to purchase a service or merchandise,
for example), it is properly payable. But it can be risky to authorize a
remotely created check. A swindler could issue a remotely created
check in an amount greater than you authorized, or issue additional
remotely created checks that you have not authorized. We will not
know if the withdrawal is unauthorized or in an amount greater than
the amount you have authorized. Payment can be made from your
account even though you did not contact us directly and order the
payment.
Access devices - If you furnish your access device and grant actual
authority to make transfers to someone who then exceeds that
authority, you will be liable for the transfers unless we have been
notified that transfers by that person are no longer authorized. Please
review the additional information you have received or will receive
regarding transfers by access device.
Blank share drafts (checks) - You must also take precaution in
safeguarding your blank share drafts (checks). Notify us at once if you
think your blank share drafts (checks) have been lost or stolen. As
between you and us, if you are negligent in safeguarding your checks,
you must bear the loss entirely yourself, or share the loss with us if we
failed to use ordinary care which substantially contributes to the loss.
CREDIT VERIFICATION - You agree that at any time upon our
discretion, as allowable under applicable law, we may verify credit and
employment history by any necessary means, including preparation of
a credit report by a credit reporting agency.
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FACSIMILE SIGNATURES - Unless you make advance arrangements
with us, we have no obligation to honor facsimile signatures on your
checks or other orders. If we do agree to honor items containing
facsimile signatures, you authorize us, at any time, to charge you for
all checks, drafts, or other orders, for the payment of money, that are
drawn on us.
You give us this authority regardless of by whom or by what means
the facsimile signature(s) may have been affixed so long as they
resemble the facsimile signature specimen filed with us, and contain
the required number of signatures for this purpose. You must notify
us at once if you suspect that your facsimile signature is being or has
been misused.
INTERNATIONAL ACH TRANSACTIONS - Financial institutions are
required by law to scrutinize or verify any international ACH transaction
(IAT) that they receive against the Specially Designated Nationals
(SDN) list of the Office of Foreign Assets Control (OFAC). This action
may, from time to time, cause us to temporarily suspend processing of
an IAT and potentially affect the settlement and/or availability of such
payments.
CASH TRANSACTION REPORTING - To help law enforcement
agencies detect illegal activities, the law requires all financial
institutions to gather and report information on some types of cash
transactions. If the information we need to complete the report is
not provided, we are required to refuse to handle the transaction. If
you have any questions regarding these rules, please contact the
Financial Crimes Enforcement Network (FinCEN) regarding Currency
Transaction Reporting (CTR) requirements.
BACKUP WITHHOLDING/TIN CERTIFICATION - Federal tax law
requires us to report interest payments we make to you of $10 or more
in a year, and to include your taxpayer identification number (TIN) on
the report (the taxpayer identification number is your social security
number if you are an individual). Interest includes dividends, interest
and bonus payments for purposes of this rule. Therefore, we require
you to provide us with your TIN and to certify that it is correct. In some
circumstances, federal law requires us to withhold and pay to the IRS
a percentage of the interest that is earned on funds in your accounts.
This is known as backup withholding. We will not have to withhold
interest payments when you open your account if you certify your
TIN and certify that you are not subject to backup withholding due to
underreporting of interest. (There are special rules if you do not have
a TIN but have applied for one, if you are a foreign person, or if you
are exempt from the reporting requirements.) We may subsequently
be required to begin backup withholding if the IRS informs us that
you supplied an incorrect TIN or that you underreported your interest
income.
UNLAWFUL INTERNET GAMBLING NOTICE - Restricted transactions
as defined in Federal Reserve Regulation GG are prohibited from
being processed through this account or relationship. Restricted
transactions generally include, but are not limited to, those in which
credit, electronic fund transfers, checks, or drafts are knowingly
accepted by gambling businesses in connection with the participation
by others in unlawful Internet gambling.
TELEPHONIC INSTRUCTIONS - Unless required by law or we
have agreed otherwise in writing, we are not required to act upon
instructions you give us via facsimile transmission or leave by voice
mail or on a telephone answering machine.
MONITORING AND RECORDING TELEPHONE CALLS - We may
monitor or record phone calls for security reasons, to maintain a
record and to ensure that you receive courteous and efficient service.
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You consent in advance to any such recording. We need not remind
you of our recording before each phone conversation.
CELLULAR PHONE CONTACT POLICY AND CONSENT TO RECEIVE
COMMUNICATIONS - 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), 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 addresses 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 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 consent given under this Cellular Phone
Contact Policy and Consent to Receive Communications Section at
any time using any reasonable means to notify us.
NCUA INSURANCE - Funds in your account(s) with us are insured by
the National Credit Union Administration (NCUA) and backed by the
full faith and credit of the United States.
The amount of insurance coverage you have depends on the number
of accounts you have with us that are of different “ownership.” An
individual account is one unique form of “ownership”; a joint account,
a pay-on-death account, and a self-directed qualified retirement
account (e.g., an IRA) are examples of some of the others. Share
insurance for a person’s self-directed qualified retirement account is
up to $250,000. (An IRA is a self-directed qualified retirement account
as is any account where the owner decides where and how to invest
the balance.) Funds are insured to $250,000 per share owner for the
total of funds combined in all of your other insured accounts with us.
If you want a more detailed explanation or additional information,
you may ask us or contact the NCUA. You can also visit the NCUA
website at www.ncua.gov and click on the Share Insurance link. The
link includes detailed contact information as well as a share insurance
estimator.
FOR BUSINESS ACCOUNTS ONLY -
Business, Organization and Association Accounts - Earnings in the
form of interest, dividends, or credits will be paid only on deposited
funds from the date of deposit, unless otherwise provided by law or
our policy. You represent that you have the authority to open and
conduct business on this account on behalf of the entity. We may
require the governing body of the entity opening the account to give
us a separate authorization telling us who is authorized to act on its
behalf. We will honor the authorization until we actually receive written
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notice of a change from the governing body of the entity. Additional
business account guidelines can be found in the Limitation of Services
and Termination of Membership section of this Agreement.
Fictitious Business Name Accounts - 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.
Beneficial Ownership - Information about the natural persons who
own or control legal entities will be required at the time of account
opening and when there is a change in the business structure, control,
or ownership. You agree to provide updated information about natural
persons who own or control a legal entity and the nature and purpose
of the business within 30 days of receiving a written request from us.
Failure to provide requested information within 30 days may result in
a limitation of services or termination of membership.
RULES AND LEGAL VENUE GOVERNING YOUR ACCOUNT - Your
account is governed by the laws and regulations of the United States
and, to the extent applicable, the laws of the state in which the office
of the Credit Union that maintains your account is located without
regard to conflicts of law principles, or clearing house rules and the
like. If you were not physically present at a branch office of the Credit
Union when you opened your account (for example, you opened your
account by phone, through the mail, by mobile phone application, or
over the Internet), your account will be governed by the laws of the
state in which the main office of the Credit Union is located, unless
the Credit Union notifies you in writing that your account has been
assigned to a particular branch office. If you received such written
notification, the laws of the state in which that branch office is located
will govern your account.
You and the Credit Union agree that any lawsuits, claims, or
other proceedings arising from or relating to your account or this
Agreement shall be venued exclusively in the state or federal courts
in the state whose laws govern your account, without regard to
conflict of laws principles.
The Credit Union will not be liable for anything we do in following
your instructions. In addition, the Credit Union will not be liable for
not following your instructions if we reasonably believe that your
instructions would expose us to potential loss or civil or criminal liability,
or conflict with customary banking practices. The Credit Union WILL
NOT BE LIABLE FOR INDIRECT, SPECIAL, OR CONSEQUENTIAL
DAMAGES REGARDLESS OF THE FORM OF ACTION AND EVEN
IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH
DAMAGES. IF WE FAIL TO STOP PAYMENT ON AN ITEM, OR PAY
AN ITEM BEARING AN UNAUTHORIZED SIGNATURE, FORGED
SIGNATURE, OR FORGED ENDORSEMENT OR ALTERATION, OUR
LIABILITY, IF ANY, WILL BE LIMITED TO THE FACE AMOUNT OF
THE ITEM.
If this Agreement conflicts with any statements made by one of our
employees or our affiliates’ employees, this Agreement will control.
ELECTRONIC DEPOSIT AGREEMENT

You agree to abide by the terms and conditions set forth in the MOBILE
e-DEPOSIT CAPTURE AGREEMENT.
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ELECTRONIC FUND TRANSFERS
YOUR RIGHTS AND RESPONSIBILITIES
This Electronic Fund Transfer disclosure does not apply to any
accounts other than consumer accounts, as defined by Regulation E.
Indicated below are types of Electronic Fund Transfers we are capable
of handling, some of which may not apply to your account. Please read
this disclosure carefully because it tells you your rights and obligations
for the transactions listed. You should keep this notice for future
reference.
For security reasons, we do not disclose daily transaction limitations
in this disclosure. Please contact us for information about daily limits.
Electronic Funds Transfers Initiated By Third Parties. You may
authorize a third party to initiate electronic fund transfers between
your account and the third party’s account.
These transfers to make or receive payment may be one-time
occurrences or may recur as directed by you. These transfers may
use the Automated Clearing House (ACH) or other payments network.
Your authorization to the third party to make these transfers can occur
in a number of ways. For example, your authorization to convert a
check or draft to an electronic fund transfer or to electronically pay a
returned check or draft charge can occur when a merchant provides
you with notice and you go forward with the transaction (typically, at
the point of purchase, a merchant will post a sign and print the notice
on a receipt). In all cases, these third party transfers will require you
to provide the third party with your account number and credit union
information. This information can be found on your check or draft
as well as on a deposit or withdrawal slip. Thus, you should only
provide your credit union and account information (whether over the
phone, the Internet, or via some other method) to trusted third parties
whom you have authorized to initiate these electronic fund transfers.
Examples of these transfers include, but are not limited to:
• Preauthorized credits. You may make arrangements for certain
direct deposits to be accepted into your share draft or share
savings account(s).
• Preauthorized payments. You may make arrangements to pay
certain recurring bills from your share draft or share savings
account(s).
• Electronic check or draft conversion. You may authorize
a merchant or other payee to make a one-time electronic
payment from your share draft account using information from
your check or draft to pay for purchases or pay bills.
• Electronic returned check or draft charge. You may authorize a
merchant or other payee to initiate an electronic funds transfer
to collect a charge in the event a check or draft is returned for
insufficient funds.
Automated Phone Banking Transfers - types of transfers - You may
access your account by telephone 24 hours a day using your personal
identification number, a touch tone phone, and your account numbers,
to:
• Transfer funds from share draft to share draft
• Transfer funds from share draft to share savings
• Transfer funds from share draft to loan, line of credit or credit
card
• Transfer funds from share savings to share draft
• Transfer funds from share savings to share savings
• Transfer funds from line of credit to share draft or share savings
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• Get information about:
− The account balance of share draft accounts
− The account balance of share savings accounts
− Check cleared by number
− Loan balances
− YTD dividends accruals
− YTD interest paid on loan(s)
− Last payment on loan
ATM Transfers - types of transfers, dollar limitations, and charges
- You may access your account(s) by ATM using your ATM Card
and personal identification number or Debit Card and personal
identification number or HSA Debit Card and personal identification
number, to:
• Make deposits to share draft or share savings account(s) with an
ATM, Debit or HSA Debit Card
• Make deposits to share draft account(s) with a Debit Card
• Make deposits to share savings account(s) with an ATM Card
• Make deposits to share savings account(s) with a Debit Card
• Get cash withdrawals from share draft account(s) with an ATM
or Debit Card
− The amount you may withdraw each day is limited
− There is a charge per withdrawal at ATMs we do not own or
operate in excess of six per month. Please refer to the Rate
and Fee Schedule/Sheet for the current fee amount. (does
not apply to Dividend Rewards Checking if qualifications are
met in the same monthly cycle)
• Get cash withdrawals from share savings account(s) with an
ATM or Debit Card
• Transfer funds from share savings to share draft account(s) with
an ATM or Debit Card
• Transfer funds from share draft to share savings account(s) with
an ATM or Debit Card
• Transfer funds from line of credit to share draft or share savings
account(s) with an ATM or Debit Card
− The account balance of your share draft or share savings
account(s)
x With an ATM Card
x With a debit or HSA Debit Card
Some of these services may not be available at all terminals.
Types of HSA Debit Card Point-of-Sale Transactions - You may
access your share draft account(s) to purchase goods (in person,
online, or by phone), pay for services (in person, online, or by phone),
and do anything that a participating merchant will accept.
Point-of-Sale Transactions - dollar limitations - Using your card:
• The amount you may withdraw daily is limited
Types of Debit Card Point-of-Sale Transactions - You may access
your share draft account(s) to purchase goods (in person, online, or by
phone), pay for services (in person, online, or by phone), get cash from
a merchant, if the merchant permits, or from a participating financial
institution, and do anything that a participating merchant will accept.
Types of ATM Card Point-of-Sale Transactions - You may access
your share draft and share savings account(s) to purchase goods (in
person), pay for services (in person), get cash from a merchant, if the
merchant permits, or from a participating financial institution, and do
anything that a participating merchant will accept.
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Currency Conversion and Cross-Border Transaction Fees. If you
initiate a transaction with your Debit Card in a currency other than
US Dollars, Mastercard will convert the charge into a US Dollar
amount. The Mastercard currency conversion procedure is based
on rates observed in the wholesale market or, where applicable,
on government-mandated rates. The currency conversion rate
Mastercard generally uses is the rate for the applicable currency that
is in effect on the day the transaction occurred. However, in limited
situations, particularly where Mastercard transaction processing is
being delayed, Mastercard may instead use the rate for the applicable
currency in effect on the day the transaction is processed.
Mastercard charges us a Currency Conversion Assessment of 20
basis points (0.2% of the transaction) for performing the currency
conversion. In addition, Mastercard charges us an Issuer Cross-
Border Assessment of 90 basis points (0.9% of the transaction) 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. The fee we charge you for international
transactions/currency conversions is disclosed on our separate Rate
and Fee Schedule/Sheet.
Advisory Against Illegal Use. You agree not to use your card(s) for
illegal gambling or other illegal purpose. Display of a payment card
logo by, for example, an online merchant does not necessarily mean
that transactions are lawful in all jurisdictions in which the cardholder
may be located.
Online Banking Transfers - types of transfers and charges - You may
access your account(s) by computer through the internet by logging
onto our website at www.firsttechfed.com and using your user name,
your password, and your multifactor authentication, to:
• Transfer funds from share draft or share savings to loan, line of
credit or credit card
• Transfer funds from share savings to share draft
• Make payments from share draft to third parties (Bill Pay)
− See our Rate and Fee Schedule/Sheet for charges
− The account balance of share draft, share savings, loan, line
of credit, or credit card account(s)
− The last two years’ statement history of deposits to share
draft accounts
• Transfer funds to or from a linked outside personal account
− The amount you may transfer in one day is limited. There is a
$25 minimum per transfer.
• Online e-deposit
− The amount you may deposit daily is limited
Mobile Banking Transfers - types of transfers. You may access
your account(s) through the browser on your cell or mobile phone at
www.firsttechfed.com by using your name, password and multifactor
authentication to:
• Transfer funds from a share savings to share draft
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• Transfer funds from a share savings or share draft to a credit
card
• Make payments from share draft or share savings to third
parties (Bill Pay)
− The amount you may transfer daily is limited.
− The account balance of share draft account(s)
− The account balance of share savings account(s)
− Account history
Mobile Application Transfers - types of transfers. You may access
your account(s) through your mobile phone that runs the iOS, Android
or Windows Phone platform by downloading the mobile application,
if applicable, from the app store and using your name, password and
multifactor authentication to:
• Transfer funds from a share savings to share draft
• Transfer funds from a share savings or share draft to a credit
card
• Mobile e-deposit
− The amount you may deposit daily is limited
− The account balance of share draft account(s)
− The account balance of share savings account(s)
− Account history
• Make payments from share draft to third parties (Bill Pay)
Health Savings Accounts (HSA). We permit some electronic fund
transfers to and/or from your HSA. The electronic fund transfers
we permit are offered for the convenience of managing your HSA.
However, electronically moving funds to or from your HSA – for
example, depositing more than the allowable amount, or getting
additional cash back on an HSA Debit Card transaction – can raise a
variety of tax concerns. As a result, before electronically accessing any
account you may have with us, it is a good practice to make sure you
are using the correct access device (such as a card) or accessing the
appropriate account for the transaction. Also, it is your responsibility
to ensure the contributions, distributions, and other actions related to
your HSA, comply with the law, including federal tax law. As always,
we recommend consulting a legal or tax professional if you have any
questions about managing your HSA. The terms of this disclosure are
intended to work in conjunction with the HSA Agreement provided to
you earlier. In the event of a conflict, the terms of the HSA Agreement
control. You understand that your HSA is intended to be used for
payment of qualified medical expenses. It is your responsibility
to satisfy any tax liability resulting from use of your HSA for any
purpose other than payment or reimbursement of qualified medical
expenses. We do not monitor the purpose of any transaction to or
from your HSA. Nor are we responsible for ensuring your eligibility for
making contributions or ensuring withdrawals are used for payment
or reimbursement of qualified medical expenses. Refer to your HSA
Agreement for more information relating to the use of your HSA.
FEES
• We do not charge for direct deposits to any type of account.
• We do not charge for preauthorized payments from any type of
account.
Except as indicated elsewhere, we do not charge for these electronic
fund transfers.
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ATM Operator/Network Fees. When you use an ATM not owned by us,
you may be charged a fee by the ATM operator or any network used
(and you may be charged a fee for a balance inquiry even if you do not
complete a fund transfer). Please be aware that each individual action
at an ATM not owned by us may be considered a separate transaction
and a separate transaction fee charged by the ATM operator or any
network used for each action even if you only enter your PIN once.
DOCUMENTATION
• Terminal transfers. You can get a receipt at the time you make
a transfer to or from your account using an automated teller
machine or point-of-sale terminal. However, you may not get a
receipt if the amount of the transfer is $15 or less.
• Preauthorized credits. If you have arranged to have direct
deposits made to your account at least once every 60 days
from the same person or company, you can check your account
online or call us at 855.855.8805 to find out whether or not the
deposit has been made.
• Periodic statements.
You will get a monthly account statement from us for your share
draft accounts.
You will get a monthly account statement from us for your share
savings accounts, unless there are no transfers in a particular
month. In any case, you will get a statement at least quarterly.
PREAUTHORIZED PAYMENTS
• Right to stop payment and procedure for doing so. If you
have told us in advance to make regular payments out of your
account, you can stop any of these payments. Here is how:
− Call or write us at the telephone number or address listed
in this disclosure in time for us to receive your request 3
business days or more before the payment is scheduled
to be made. If you call, we may also require you to put your
request in writing and get it to us within 14 days after you call.
− Please refer to our separate Rate and Fee Schedule/Sheet
for the amount we will charge you for each stop-payment
order you give.
• Notice of varying amounts. If these regular payments may vary
in amount, the person you are going to pay will tell you, 10 days
before each payment, when it will be made and how much it
will be. (You may choose instead to get this notice only when
the payment would differ by more than a certain amount from
the previous payment, or when the amount would fall outside
certain limits that you set.)
• Liability for failure to stop payment of preauthorized transfer.
If you order us to stop one of these payments 3 business days
or more before the transfer is scheduled, and we do not do so,
we will be liable for your losses or damages.
FINANCIAL INSTITUTION’S LIABILITY

Liability for failure to make transfers. If we do not complete a transfer
to or from your account on time or in the correct amount according to
our agreement with you, we will be liable for your losses or damages.
However, there are some exceptions. We will not be liable, for instance:
1. If, through no fault of ours, you do not have enough money in your
account to make the transfer.
2. If you have an overdraft line and the transfer would go over the
credit limit.
3. If the automated teller machine where you are making the
withdrawal does not have enough cash.
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4. If the terminal or system was not working properly and you knew
about the breakdown when you started the transfer.
5. If circumstances beyond our control (such as fire or flood) prevent
the transfer, despite reasonable precautions that we have taken.
6. There may be other exceptions stated in our agreement with you.
CONFIDENTIALITY
In order that your privacy may be protected, we will not disclose any
information about you or your account to any person, organization, or
agency except:
1. For certain routine disclosures necessary for the completion of a
transfer; or
2. For verification of the existence and condition of your account for
a credit bureau or merchant; or
3. To persons authorized by law in the course of their official duties; or
4. To our employees, auditors, service providers, attorneys or
collection agents in the course of their duties; or
5. Pursuant to a court order or lawful subpoena; or
6. To a consumer reporting agency as defined in Chapter 93 of
Massachusetts General Laws; or
7. As explained in the separate Privacy Notice.
If an unauthorized disclosure has been made, we must inform you of
the particulars of the disclosure within 3 days after we have discovered
that an unauthorized disclosure has occurred.
UNAUTHORIZED TRANSFERS
A. Consumer liability.
• Generally. Tell us AT ONCE if you think your card and/or code
has been lost, stolen, used without your permission, or if you
believe that an electronic fund transfer has been made without
your permission using information from your check or draft.
Telephoning is the best way of keeping your possible losses
to a minimum. You can lose all the money in your account. If
you tell us within 2 business days after you learn of the loss
or theft of your card and/or code, you could be responsible
for no more than $50 if someone used your card and/or
code without your permission. If you do NOT tell us within
2 business days after you learn of the loss or theft of your
card and/or code, and we can prove we could have stopped
someone from using your card and/or code without your
permission if you had told us, you could lose as much as $500.
Also, if your statement shows transfers that you did not make,
including those made by card, code or other means, tell us at
once. If you do not tell us within 60 days after the statement
was mailed to you, you may not get back any money you lost
after the 60 days if we can prove that we could have stopped
someone from taking the money if you had told us in time.
• Additional Limits on Liability for Debit Card. You will not be
liable for any unauthorized transactions using your Debit Card
if: (i) you can demonstrate that you have exercised reasonable
care in safeguarding your card from the risk of loss or theft, and
(ii) upon becoming aware of a loss or theft, you promptly report
the loss or theft to us. Mastercard is a registered trademark, and
the circles design is a trademark of Mastercard International
Incorporated.
B. Contact in event of unauthorized transfer. If you think your card
and/or code has been lost, stolen or that someone has transferred
or may transfer money from your account without your permission,
for example, by using the information from your check or draft,
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call or write us at the telephone number or address listed in this
disclosure.
PROTECTED CONSUMER USE

Chapter 167B of the Massachusetts General Laws was enacted to
provide a means for financial institutions, businesses, and consumers
to conduct their business relations more conveniently. Transferring
funds electronically will supplement the use of checks, credit, and
cash and will not replace these present methods of doing business.
As a consumer, you should be aware of your rights if you choose to
utilize this system.
1. Prohibition of compulsory use. No person may:
• require you to use a preauthorized electronic fund transfer as
a condition of the extension of credit unless the credit is being
extended in connection with an overdraft checking plan, or is
being extended to maintain a specified balance in your account,
or
• require you either to accept a transfer service or to establish
an account which is accessed electronically as conditions of
employment or receipt of governmental benefit, or
• require you to pay electronically for the purchase of goods or
services.
If your account is to be credited by a preauthorized transfer you
may choose the financial institution to which the transfer may be made,
if the institution is technically capable of receiving such preauthorized
transfer.
2. Waiver of rights. No writing or agreement signed by you can waive
the rights conferred to you by Chapter 167B of the Massachusetts
General Laws unless you decide to waive these rights in settlement
of a dispute or action.
3. Refunds. If it is the policy of a store or retail business to give cash
refunds in return for an item purchased by cash, then this policy
must also cover refunds for items purchased by electronic fund
transfer unless it is clearly disclosed at the time the transaction
is consummated that no cash or credit refunds are given for
payments made by electronic fund transfers.
4. Suspension of obligations. If a person agrees to accept
payment by means of an electronic fund transfer and the system
malfunctions preventing such a transfer, then the consumer’s
obligation is suspended until the transfer can be completed,
unless that person, in writing, demands payment by other means.
5. Prohibited means of identification. Your Social Security number
cannot be used as the primary identification number although it
can be used as secondary aid to identify you.
6. Criminal liability. Procuring or using a card, code or other means
of electronic access to an account with the intent to defraud is a
basis for criminal liability.
ERROR RESOLUTION NOTICE

In Case of Errors or Questions About Your Electronic Transfers, Call or
Write us at the telephone number or address listed in this disclosure,
as soon as you can, if you think your statement or receipt is wrong or if
you need more information about a transfer listed on the statement or
receipt. We must hear from you no later than 60 days after we sent the
FIRST statement on which the problem or error appeared.
1. Tell us your name and account number (if any).
2. Describe the error or the transfer you are unsure about, and
explain as clearly as you can why you believe it is an error or why
you need more information.
3. Tell us the dollar amount of the suspected error.
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If you tell us orally, we may require that you send us your complaint or
question in writing within 10 business days.
We will determine whether an error occurred within 10 business days
and 20 business days if the transfer involved a new account after we
hear from you and will correct any error promptly. If we need more
time, however, we may take up to 45 days (90 days if the transfer
involved a new account, a point-of-sale transaction, or a foreign-
initiated transfer) to investigate your complaint or question. If we
decide to do this, we will credit your account within 10 business days
and 20 business days if the transfer involved a new account for the
amount you think is in error, so that you will have the use of the money
during the time it takes us to complete our investigation. If we ask you
to put your complaint or question in writing and we do not receive it
within 10 business days, we may not credit your account. Your account
is considered a new account for the first 30 days after the first deposit
is made, unless each of you already has an established account with
us before this account is opened.
We will tell you the results within three business days after completing
our investigation. If we decide that there was no error, we will send you
a written explanation.
You may ask for copies of the documents that we used in our
investigation.
FIRST TECHNOLOGY FEDERAL CREDIT UNION
PO BOX 2100
BEAVERTON, OREGON 97075-2100
Business Hours: Monday through Friday 6:00 am – 6:30 pm PT
Excluding Federal Holidays
Phone: 855.855.8805
MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST
NOTICE OF ATM/NIGHT DEPOSIT

FACILITY USER PRECAUTIONS
As with all financial transactions, please exercise discretion when using
an automated teller machine (ATM) or night deposit facility. For your own
safety, be careful. The following suggestions may be helpful.
1. Prepare for your transactions at home (for instance, by filling out
a deposit slip) to minimize your time at the ATM or night deposit
facility.
2. Mark each transaction in your account record, but not while at the
ATM or night deposit facility. Always save your ATM receipts. Don’t
leave them at the ATM or night deposit facility because they may
contain important account information.
3. Compare your records with the account statements or account
histories that you receive.
4. Don’t lend your ATM Card to anyone.
5. Remember, do not leave your card at the ATM. Do not leave any
documents at a night deposit facility.
6. Protect the secrecy of your Personal Identification Number (PIN).
Protect your ATM Card as though it were cash. Don’t tell anyone
your PIN. Don’t give anyone information regarding your ATM Card
or PIN over the telephone. Never enter your PIN in any ATM that
does not look genuine, has been modified, has a suspicious device
attached, or is operating in a suspicious manner. Don’t write your
PIN where it can be discovered. For example, don’t keep a note of
your PIN in your wallet or purse.
7. Prevent others from seeing you enter your PIN by using your body
to shield their view.
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8. If you lose your ATM Card or if it is stolen, promptly notify us. You
should consult the other disclosures you have received about
electronic fund transfers for additional information about what to
do if your card is lost or stolen.
9. When you make a transaction, be aware of your surroundings.
Look out for suspicious activity near the ATM or night deposit
facility, particularly if it is after sunset. At night, be sure that the
facility (including the parking area and walkways) is well lighted.
Consider having someone accompany you when you use the
facility, especially after sunset. If you observe any problem, go to
another ATM or night deposit facility.
10. Don’t accept assistance from anyone you don’t know when using
an ATM or night deposit facility.
11. If you notice anything suspicious or if any other problem arises
after you have begun an ATM transaction, you may want to cancel
the transaction, pocket your card and leave. You might consider
using another ATM or coming back later.
12. Don’t display your cash; pocket it as soon as the ATM transaction
is completed and count the cash later when you are in the safety
of your own car, home, or other secure surrounding.
13. At a drive-up facility, make sure all the car doors are locked and all
of the windows are rolled up, except the driver’s window. Keep the
engine running and remain alert to your surroundings.
14. We want the ATM and night deposit facility to be safe and
convenient for you. Therefore, please tell us if you know of any
problem with a facility. For instance, let us know if a light is not
working or there is any damage to a facility. Please report any
suspicious activity or crimes to both the operator of the facility and
the local law enforcement officials immediately.
SUBSTITUTE CHECKS AND YOUR RIGHTS

As our member we think it’s important for you to know about
substitute checks. The following Substitute Check Disclosure
provides information about substitute checks and your rights. So you
will recognize substitute checks when you receive them, we have
included a copy of the front side of a substitute check along with an
explanation of the substitute check’s components.
What is a substitute check?
To make check processing faster, federal law permits banks 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 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.
What are my 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
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as a result of the withdrawal (for example, bounced check/insufficient
funds fees).
The amount of your refund under this procedure is limited to the
amount of your loss or the amount of the substitute check, whichever
is less. You also are entitled to interest on the amount of your refund
if your account is an interest-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 $2,500 of your refund
(plus interest if your account earns interest) within 10 business days
after we received your claim and the remainder of your refund (plus
interest if your account earns interest) not later than 45 calendar days
after we received your claim.
We may reverse the refund (including any interest on the refund) if we
later are able to demonstrate that the substitute check was correctly
posted to your account.
How do I make a claim for a refund?
If you believe that you have suffered a loss relating to a substitute
check that you received and that was posted to your account, please
contact us at:
PO BOX 2100
855.855.8805
You must contact us within 40 calendar days of the date that 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 will extend this time period if you were not able to make a timely
claim because of extraordinary circumstances.
Your claim must include —
• A description of why you have suffered a loss (for example, you
think the amount withdrawn was incorrect);
• An estimate of the amount of your loss;
• An explanation of why the substitute check you received is
insufficient to confirm that you suffered a loss; and
• A copy of the substitute check or the following information to
help us identify the substitute check: the check number, the
amount of the check, the date of the check, and the name of the
person to whom you wrote the check.
These numbers correspond with the numbers on the Substitute Check
Image on the next page:
1. An image of the original check appears in the upper right-hand
corner of the substitute check.
2. A substitute check is the same size as a standard business check.
3. The information in asterisks relates to the “reconverting bank”—
the financial institution that created the substitute check.
4. The information in brackets (appears sideways facing check
image) relates to the “truncating bank”—the financial institution
that took the original check out of the check processing system.
5. The Legal Legend states: This is a LEGAL COPY of your check. You
can use it the same way you would use the original check.
6. The MICR lines at the bottom of the image of the original and at
the bottom of the substitute check are the same except for the “4”
at the beginning of the MICR line on the substitute check, which
indicates that it is a substitute check being moved forward for
collection purposes. It is also possible for the MICR line on the
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substitute check to begin with a “5” if the item is being returned.
The rest of the MICR line is the same as the original check to
ensure that it is processed as though it were the original.
SUBSTITUTE CHECK IMAGE

Below is an image of a sample substitute check. The numbers
listed below the image correspond with the numbers on or near
the substitute check image and the text above explains the various
components of a substitute check.
FUNDS AVAILABILITY POLICY DISCLOSURE

This policy statement applies to “transaction” accounts and share
savings accounts. Transaction accounts, in general, are accounts
which permit an unlimited number of payments to third persons and
an unlimited number of telephone and preauthorized transfers to
other accounts of yours with us. Share draft accounts are the most
common transaction accounts. Feel free to ask us whether any of your
other accounts might also be under this policy.
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Our policy is to make funds from your cash and check deposits
available to you on the first business day after the day we receive your
deposit. Electronic direct deposits will be available on the day we
receive the deposit. Once the funds are available, you can withdraw
them in cash and we will use the funds to pay checks that you have
written.
Please remember that even after we have made funds available to
you, and you have withdrawn the funds, you are still responsible for
checks you deposit that are returned to us unpaid and for any other
problems involving your deposit.
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.
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.
If we accept for deposit a check that is drawn on another bank, 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. The funds in the
other account would then not be available for withdrawal until the time
periods that are described elsewhere in this disclosure for the type of
check that you deposited.
LONGER DELAYS MAY APPLY
Case-by-case delays. In some cases, we will not make all of the funds
that you deposit by check available to you on the first business day
after the day of your deposit.
Depending on the type of check that you deposit, funds may not be
available until the second business day after the day of your deposit.
The first $225 of your deposits, however, will be available on the first
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 first 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 send you written notice by the day after we receive
your deposit.
If you will need the funds from a deposit right away, you should ask us
when the funds will be available.
Safeguard exceptions. In addition, funds you deposit by check may
be delayed for a longer period under the following circumstances:
• We believe a check you deposit will not be paid.
• You deposit checks totaling more than $5,525 on any one day.
• You redeposit a check that has been returned unpaid.
• You have overdrawn your account repeatedly in the last six
months.
• There is an emergency, such as failure of computer or
communications equipment.
We will notify you if we delay your ability to withdraw funds for any of
these reasons, and we will tell you when the funds will be available.
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They will generally be available no later than the seventh business day
after the day of your deposit.
SPECIAL RULES FOR NEW ACCOUNTS
If you are a new member, the following special rules will apply during
the first 30 days your account is open.
Funds from electronic direct deposits to your account will be available
on the day we receive the deposit. Funds from deposits of cash, wire
transfers, and the first $5,525 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 first business day after the day of your
deposit if the deposit meets certain conditions. For example, the
checks must be payable to you (and you may have to use a special
deposit slip). The excess over $5,525 will be available on the ninth
business day after the day of your deposit. If your deposit of these
checks (other than a U.S. Treasury check) is not made in person to one
of our employees, the first $5,525 will not be available until the second
Funds from all other check deposits will be available on the eleventh
DEPOSITS AT ATM TELLER MACHINES,
MOBILE e-DEPOSIT, AND SHARED BRANCH
Deposit(s) at Non-Proprietary ATMs - Non-Proprietary ATM (an
ATM that First Tech does not own). The first $225 of daily aggregate
deposit(s) will be made available on the first business day after the
day we receive your deposit(s). Deposit(s) in excess of $225 may not
be available until the fifth business day after the day of your deposit(s).
For daily aggregate deposit(s) in excess of $5,525 longer holds may
apply.
This rule does not apply to ATMs that we own or operate.
Deposit(s) at Proprietary ATMs - Proprietary ATM (an ATM that
First Tech owns and operates). The first $225 of daily aggregate
deposit(s) will be made available on the first business day after the
day we receive your deposit(s). Deposit(s) in excess of $225 may
not be available until the second business day after the date of your
deposit(s). For daily aggregate check deposit(s) in excess of $5,525
longer holds may apply.
Shared Branches - The first $225 of daily aggregate deposit(s) will
be made available on the first business day after the day we receive
your deposit(s). Deposit(s) in excess of $225 may not be available until
the second business day after the date of your deposit(s). For daily
aggregate check deposit(s) in excess of $5,525 longer holds may
apply.
For determining the availability of your deposit(s), every day is a
business day, except Saturdays, Sundays, and federal holidays. 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 business day we are not
open your deposit will be considered made on the next business day
that we are open.
Shared branches are those offices where members of many different
credit unions are able to perform transactions to their own credit
union account. Shared branching is currently available at most CO-OP
locations. (https://coopcreditunions.org).
Mobile e-Deposit - Please refer to the Mobile e-Deposit Capture
Agreement for funds availability policies related to electronic deposit
of check images.
46
COMMON FEATURES
Bylaw requirements:
You must complete payment of one share in your Membership Savings
account as a condition of admission to membership.
Nature of dividends - Dividends are paid from current income and
available earnings, after required transfers to reserves at the end of a
dividend period. (This disclosure further explains the dividend feature
of your non-term share account(s).)
National Credit Union Share Insurance Fund - Member accounts in
this credit union are federally insured by the National Credit Union
Share Insurance Fund.
Please refer to our separate Rate sheet for current dividend rate
and annual percentage yield information and to our separate Fee
Schedule/Sheet for additional information about charges.
CONTACT INFORMATION
PO BOX 2100
www.firsttechfed.com
Phone: 855.855.8805
Rev 03/2021
© 2019 Wolters Kluwer Financial Services, Inc. All rights reserved.
AIB-CU 8/1/2019 Custom TCM-5CUz,2bm,3r 201727307-010
47
CONTACT
firsttechfed.com | 855.855.8805
Equal Housing Insured by NCUA

Opportunity
F-00011 210430
Privacy Notice
Revision Date: March 19, 2021
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 Yes No
and legal investigations or report to credit bureaus.
For our marketing purposes — to offer our products and services
Yes No
to you.
For joint marketing with other financial companies Yes Yes
For our affiliates’ everyday business purposes — information
Yes No
about your transactions and experiences.
For our affiliates’ everyday business purposes — information
Yes Yes
about your creditworthiness.
For our affiliates to market to you Yes Yes
For non-affiliates to market to you No We don’t share
• 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 delivered
our sharing this 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 or
preference 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.
Who We Are
First Technology Federal Credit Union and the other companies listed in the First Tech
Who is providing this notice?
Legal Entities section.
What We Do
To protect your personal information from unauthorized access and use, we use
How does First Tech protect my personal information? federally compliant security measures. These measures include computer safeguards
and secured files and buildings.
F-00035 200603

Privacy Notice
Revision Date: March 19, 2021
What We Do
We collect your personal information, for example, when you:
• Open an account or use your credit or debit card.
• Apply for a loan or give us your contact information.
How does First Tech collect 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
Your choice will apply to everyone on your account.
hold jointly with someone else?
Definitions
Companies related by common ownership or control. They can be financial and
nonfinancial companies. Our affiliates include but are not limited to
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
Nonaffiliates nonfinancial companies.
• We don’t share with nonaffiliates so they can market to you.
A formal agreement between nonaffiliated financial companies that together market
financial products or services to you.
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. 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 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.
First Tech Legal Entities Covered By This Notice

First Technology Federal Credit Union, also doing business as Addison Avenue Investment Services, and the 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.
F-00035 200603

Truth In Savings
Checking
Effective Date: September 1, 2021
Min. Avg.
Min. Dividend
Dividend 1 Daily Dividend
Account APY Opening Compounded
Rate Balance to Period
Balance & Credited
Avoid Fee
Carefree Checking NA NA $10.00 NA NA NA
First Checking Plus 0.05% 0.05% $10.00 NA Monthly Monthly
Start Up Checking 2 0.10% 0.10% $10.00 NA Monthly Monthly
HSA Checking 1.00% 1.00% $10.00 NA Monthly Monthly
First Tech Rewards Checking (Qualified Rate)
$0.01 - $15,000.00 0.50% 0.50% $10.00 NA Monthly Monthly
$15,000.01 + 0.10% 0.10% $10.00 NA Monthly Monthly
First Tech Rewards Checking (Non-Qualified Rate)
All balances 0.01% 0.01% $10.00 NA Monthly Monthly
Dividend Rewards Checking (Qualified Rate) 3
$0.01 - $10,000.00 1.00% 1.00% $10.00 NA Monthly Monthly
Dividend Rewards Checking (Non-Qualified Rate) 3
Page 1 of 13
Savings
Effective Date: September 1, 2021
Min. Avg.
Dividend
Dividend Min. Opening Daily Dividend
Account APY Compounded
Rate Balance Balance to Period
& Credited
Avoid Fee
Membership Savings 0.05% 0.05% $5.00 NA Monthly Monthly
Carefree Savings 0.10% 0.10% $25.00 NA Monthly Monthly
Start Up Savings 4
$0.01 - $999.99 4.89% 5.00% $25.00 NA Monthly Monthly
Instant Access Savings
$0.01 - $2,499.99 0.05% 0.05% $5,000.00 NA Monthly Monthly
$2,500 - $99,999.99 0.10% 0.10% $5,000.00 NA Monthly Monthly
$100,000 -
0.10% 0.10% $5,000.00 NA Monthly Monthly
$249,999.99
$250,000 + 0.15% 0.15% $5,000.00 NA Monthly Monthly
First Tech Rewards Savings (Qualified Rate)
$0.01 - $999.99 1.98% 2.00% $25.00 NA Monthly Monthly
$1,000 - $24,999.99 0.50% 0.50% $25.00 NA Monthly Monthly
$25,000 + 0.10% 0.10% $25.00 NA Monthly Monthly
First Tech Rewards Savings (Non-Qualified Rate)
Page 2 of 13
1 = Annual Percentage Yield
2 = Start Up Checking accounts are available for all ages up to 17. A Parent/Guardian must be a Joint Owner
on the account. The account will automatically convert to a First Checking Plus account when the owner turns
18 years old. Limit: One Start Up Checking Account per member.
3 = Dividend Rewards Checking. Existing accounts only. Product is not currently offered for new accounts or
account conversions.
4 = Start Up Savings Accounts are available for all ages up to 17. A Parent/Guardian must be a Joint Owner on
the account. The account will automatically convert to a Carefree Savings account when the owner turns 18
years old. Limit: One Start Up Savings Account per member.
Truth in Savings Disclosure
Savings and Checking, HSA Checking, IRA, Roth and Coverdell Savings
RATE INFORMATION:
The dividend rate and annual percentage yield may change at any time, as determined by the Credit Union
Board of Directors.
Compounding and crediting. We compound and credit your dividends monthly.
Dividend period. For the above account types, 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 date pattern. The dividend declaration date is
the last day of the dividend period, and for the example above is January 31.
MINIMUM BALANCE REQUIREMENTS:
We list the minimum balance required to open an account on our rate sheets.
Daily balance computation method. We calculate dividends by the daily balance method, which applies a
daily periodic rate to your daily account balance.
Accrual of dividends on non-cash deposits. Dividends will begin to accrue on the business day you deposit
non-cash items (for example, checks) to your account.
Transaction limitations. Applies only to Savings accounts. You may not make more than six withdrawals or
transfers to your credit union account or to a third party by means of a preauthorized or automatic transfer,
overdraft, Online and Mobile Banking, telephone order or instructions during any statement period.
Bylaw requirements:
You must complete payment of one share in your Membership Savings account as a condition of your
membership.
Nature of dividends. We pay dividends from current income and available earnings, after reserve transfers at
the end of a dividend period. (This disclosure further explains the dividend feature of your non-term share
account(s).)
Please refer to our rate sheet for current dividend rates and annual percentage yield information and to our
fee schedule for additional information about charges.
APPLIES ONLY TO DIVIDEND REWARDS CHECKING ACCOUNT
Page 3 of 13
Limit: One Dividend Rewards Checking Account per member.
Rate Information. The Dividend Rewards Checking is a tiered rate account. The dividend rate and
corresponding annual percentage yield (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 that tier. The
dividend rates and range of APY(s) may vary depending on account balance and are listed for each tier.
Qualification requirements per monthly cycle:
Have 12 debit card purchases posted to the account
Have 1 direct deposit or ACH deposit/withdrawal
Be enrolled in electronic statements
In order to qualify, all qualifications listed above must be completed and posted to your account prior to the
last day of the month. For example, the last day of January is January 31st. Debit card transactions must post
to your account by January 30th. Debit card purchases can take up to 3 days to post and depend on
merchant processing times. If you don’t meet the requirements for a qualification period, you’ll earn the non-
qualified rate and corresponding APY. Fees charged at any U.S. ATMs will be refunded if the account
qualification criteria are met for monthly cycle the fee was charged in.
Failure to qualify: Failure to qualify for the Dividend Rewards Checking for a consecutive six month period
will result in the account being converted to a First Checking Plus account. Converted accounts will receive
the applicable rate as listed for the First Checking Plus. Members can re-establish their Dividend Rewards
Checking account at a later time if their ability to qualify regularly changes. See current criteria for
qualifications.
National Credit Union Share Insurance Fund. Your credit union accounts are federally insured by the
National Credit Union Share Insurance Fund.
Rev. 07.2019
© 1993 Wolters Kluwer Financial Services, Inc. All rights reserved. TIS-BRO-CU 12/14/93 Custom 4s
201358741-010
Truth in Savings Disclosure
First Tech Rewards Checking and First Tech Rewards Savings
Limit one Rewards Checking account per primary account owner. Any additional Rewards Checking
accounts may be converted to a different First Tech checking account.
Account must be a personal account. Trust, Business, and Organization accounts are not eligible.
Rate Information: The First Tech Rewards Checking is a tiered rate account. The dividend rate and
corresponding Annual Percentage Yield (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 that tier. The
dividend rates and range of APY(s) may vary depending on account balance and are listed for each tier.
First Tech Rewards Checking requirements per monthly cycle:
Have a combined total of at least 20 qualifying transactions with an aggregate spend of at least $500 per
month posted to the applicable accounts. Qualifying transactions include:
Page 4 of 13
Posted debit card purchases to the First Tech Rewards Checking account
Posted credit card purchases on a First Tech credit card account*
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
Enrollment in electronic statements and notices for the primary account owner
In order to qualify, all qualifications listed above must be completed and posted to your account prior to the
last day of the month. For example, the last day of January is January 31st. Debit and credit card transactions
must post to your account(s) by January 30th. Transactions that post on the last day of the month will be
counted toward the next month’s qualification cycle. Debit and credit card purchases can take up to several
business days to post, depending on the merchant’s processing time. If you don't meet the requirements for a
qualification period, you'll earn the non-qualified rate and corresponding APY.
The offered rebates may change at any time, as determined by the Credit Union’s Board of Directors. The
following rebates will be credited to the First Tech Rewards Checking account if the account qualification
criteria are met for the monthly cycle in which the transaction posted. Rebates will be posted within 3 business
days after the end of the month.
Reimbursement of any out-of-network U.S. ATM fees, up to a maximum of $15 per month
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
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
Reimbursement of monthly online streaming subscription services charged to your First Tech credit card
account*, up to a maximum of $10 per month
Merchant category codes that qualify for the reimbursement of online streaming subscriptions include the
following: 4899 - Cable, Satellite, and Other Pay Television and Radio Services; 5735 - Record Shops; and
5968 - Direct Marketing - Continuity/Subscription Merchants. 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.
*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.
**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).
Opening this checking account does not guarantee approvals on loan accounts. Lending qualifications will
still apply.
APPLIES ONLY TO FIRST TECH REWARDS SAVINGS ACCOUNT
Limit one Rewards Savings account per primary account owner. Any additional Rewards Savings accounts
may be converted to a different First Tech savings account.
Page 5 of 13
Account must be a personal account. Trust, Business, and Organization accounts are not eligible.
The First Tech Rewards Savings account requires a corresponding First Tech Rewards Checking account. The
primary account owner of the First Tech Rewards Savings account must be the same as that which is listed on
the First Tech Rewards Checking account.
Rate Information: The First Tech Rewards Savings is a tiered rate account. The dividend rate and
corresponding annual percentage yield (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 in First Tech
Rewards Checking Account per Monthly Cycle section). 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. If you don't meet the requirements for a qualification period, you'll earn the non-qualified rate and
corresponding APY.
Rev. 07/2019
© 1993 Wolters Kluwer Financial Services, Inc. All rights reserved. TIS-BRO-CU 12/14/93 Custom 4s
201358741-010
Fee Schedule/Sheet
Effective dates: July 1, 2021 for members joining on or after July 1, 2021
August 15, 2021 for members joined before July 1, 2021
We may assess the following fees against your account.

Please review the Membership and Account Agreement (firsttechfed.com/MAA), account documents, and FAQ
page (firsttechfed.com/help/faqs) for additional information regarding fees, transaction limitations, and other
account restrictions that may apply.
Our fees are categorized as follows:

Card Services
Safe Deposit Boxes Mortgage Servicing Loan Fees
Miscellaneous Transactions and Services
Wire Transfers Consumer Loan Fees
Digital Banking Services
Business Accounts Commercial Loan Fees
Overdraft and Return Item
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.
Fee
Name or Description Important Information
Amount
ATM Transactions at First Tech No Unlimited withdrawals, deposits, transfers, and inquiries.
Page 6 of 13
Fee
Name or Description Important Information
Amount
Owned and CO-OP Network ATMs Charge Daily ATM withdrawal amount limits may apply.
First Tech charge for withdrawals or inquiries in excess of 6
ATM Cash Withdrawal or Inquiry at
per month.
Non-First Tech Owned and non- $2.00
Does not include any third party processing or international
CO-OP Network ATMs
transaction fees.
This fee is applicable if your deposit at a CO-OP network
ATM Deposit Adjustment $5.00
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.
1% of Applies to ATM and Debit Card transactions processed
International Transaction/Currency
Purchase outside of the U.S. as determined by the
Conversion Fee
Amount merchant/processor or when transacting in foreign currency.
Miscellaneous Transactions and Services

Applicable fees for miscellaneous services and transactions.
Name or Description Fee Amount Important Information
Avoid this fee by printing your account transaction

Account Activity Printout $1.00
activity or statement directly in Digital Banking.
Account Balancing Assistance $25.00 per hour Minimum 1 hour.
Minimum 1 hour.
Examples include: legal research and address
Account Research $25.00 per hour
research we perform on your behalf if account
statements are returned to us by USPS.
Cashier’s Check No Charge Limit 3 checks per day.
For requested copies of checks, including cashier’s
Check Copy $2.00 checks.
Fee is per check.
Check Orders and Re-orders Varies Fee depends on style and quality 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 Check Exchange Fee $15.00 foreign currency.
Fee is per check.
Page 7 of 13
Fee applies when purchasing foreign currency.

Foreign Currency Fee $15.00
Fee is per denomination.
May be assessed monthly to membership savings
accounts 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
Inactivity Fee Up to $5/month products or has relationships other than Savings
and Checking accounts.
Account holder has more than $500 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.
Legal Actions, Garnishments, Fee applies to Legal Orders received that must be
$50.00
Executions or Levies acted upon.
Specialized Letters $25.00 Specialized letter requests.
This fee applies when you request copies of your prior
Statement Copy $3.00 statement. Excludes requested copies of most recent
statement.
This fee applies when you place a stop payment on a
Stop Payments $25.00 check (one or series of consecutive checks), ACH
(one time or recurring), or Cashier’s Check.
Only available for new checking accounts awaiting
Temporary Checks No Charge
check order processing.
Digital Banking Services

Applicable fees for Digital Banking services using your desktop computer or mobile device. Restrictions apply.
Please refer to the Disclosures (firsttechfed.com/Disclosures) and Digital Banking
(firsttechfed.com/DigitalBanking) pages located at firsttechfed.com.
24/7 access to your accounts directly from your

Digital Banking No Charge
desktop computer or mobile device.
Zelle is a fast, safe, and easy way to send and
receive money directly between almost any bank
Page 8 of 13
account in the U.S., typically within minutes1. With

Zelle® No Charge
just an email address or U.S. mobile phone
number, you can send and receive money with
people you trust, regardless of where they bank2.
Allows you the ability to make bill payments
BillPay No Charge
through Digital Banking.
This fee applies if you request to expedite a bill
BillPay — Expedited Payment $30.00
payment.
This fee applies when you place a stop payment
BillPay — Stop Payments $25.00
on a bill payment.
1Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already
enrolled with Zelle.
2 Must have a bank account in the U.S. to use Zelle.
Zelle and the Zelle-related marks are wholly owned by Early Warning Services, LLC and are used herein
under license.
Overdraft and Return Item

Applicable fees for Overdraft and Return Items.
You must enroll to use Overdraft Protection

Overdraft Protection Transfer No Charge
service.
Overdraft Fee: Paid – Fee applies to paid overdraft
items via the Discretionary Overdraft service.
Returned Item Fee: Returned – Fee applies to
returned items/transactions which were not paid
under the Discretionary Overdraft service.
These fees apply to the following categories of
transactions: share draft, check, ACH, or other
electronic means.
The following limitations apply to overdraft and
return item fees:
Overdraft/Return Item Fee1 $33.00 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/returned item fees
per day will be charged to an account.
Fee Names on your statement or in Digital
Banking may vary depending on transaction type
(Check, ACH, POS Reoccurring):
Overdraft / Return Item Fee
OD/RI Uncollected / Held Fee
Page 9 of 13
OD/RI POS Recurring Fee

This fee is applicable when you request First Tech
to initiate an ACH transfer (one time or recurring)
Return ACH Origination Fee $33.00
to or from an external account and it is
unsuccessful/returned.
Applicable fee when a check deposited into your
Return Check Fee $12.00
account is returned unpaid.
¹ See 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/Return Item 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
Box Drilling $200.00 and 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 BillPay, 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

Incoming – All $5.00
or international wire transfers.
Applicable fee when sending funds via domestic

Outgoing – Domestic $20.00
wire transfers.
Applicable fee when sending funds via
Outgoing – Foreign $50.00
international wire transfers.
Page 10 of 13
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 Waived if average daily balance is $5,000 or
more.
Monthly fee.
Business Dividend Checking $15.00 Waived if average daily balance is $5,000 or
more.
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.
Annual Fee for Home Equity Lines of Credit

Flexity Line of Credit — Annual Fee Varies
(HELOC). See Loan documents for more details.
No Change for first fixed-rate lock.
Each additional fixed-rate lock is $25.
Flexity Line of Credit — Masterline You can lock in up to three, fixed-rate loans under
$25.00
Fixed Lock Fee one line of credit.
Duration of fixed-rate loans will not exceed the
end of draw period.
Flexity Line of Credit — Masterline Unlocking fixed-rate loans will move outstanding
$125.00
Fixed Unlock Lock Fee balance owed to line of credit lien for repayment.
Reimbursement of third-party closing costs
Flexity Line of Credit — Repayment
Varies covered by First Tech if loan is paid off within the
of Third-Party Closing Costs
first 24 months.
Applicable fee to all Mortgage Loan Products
when payment is received after due date and any
Late Payment Fee Varies
applicable 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.
Page 11 of 13
$30.00
Processing fee for providing Payoff Quotes to
Payoff Quote Fee ($25.00 NJ
external parties.
Properties)
Fee for having loan Principal and Interest payment
Recast/Reamortize Fee $100.00 recalculated post a large principal reduction of at
least 10% of the outstanding principal balance.
Processing fee for review and approval of
Subordination Fee $125.00
subordination request.
Processing fee for providing requested mortgage
Verification of Mortgage Fee $25.00
account details.
Varies by the state in which the real property is
located. Fee represents actual amount charged for
recording reconveyance by local government as
Reconveyance Fee Varies by State well 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.
Applicable fee when a payment made by check is
Returned Check Payment Fee $28.00 returned unpaid. See loan documents for more
details.
Commercial Loan Fees

Listed below are common fees which may be applicable to Commercial loans. See your loan documents and
disclosure for more information about fees specific to your loan product.
Applicable fee for release of security interest in

collateral securing the loan. See loan documents
Lien Release Fee Varies by State
for more details.
Page 12 of 13
Applicable fee when payment is received after due

Late Payment Fee Varies date and any applicable grace period. See loan
document for more details.
Page 13 of 13

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