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Important
Account
Information for
Our Members

Terms and Conditions

Electronic Transfers
Funds Availability
 TABLE OF CONTENTS TERMS AND CONDITIONS
TERMS AND CONDITIONS OF YOUR ACCOUNT....................................................1 OF YOUR ACCOUNT
Important Information About Procedures for Opening a New Account ........................1
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW
Agreement ...................................................................................................................1
ACCOUNT - To help the government fight the funding of terrorism and money
Bylaws .........................................................................................................................1 laundering activities, federal law requires all financial institutions to obtain, verify, and
Amendments and Termination .....................................................................................1 record information that identifies each person who opens an account.
Notices.........................................................................................................................2 What this means for you: When you open an account, we will ask for your name,
Signature Card.............................................................................................................2 address, date of birth, and other information that will allow us to identify you. We may
Documentation, Identification and Information ............................................................2 also ask to see your driver's license or other identifying documents.
Information Accuracy and Credit Verification ...............................................................2 AGREEMENT - This document, along with any other documents we give you
Correspondence ..........................................................................................................2 pertaining to your accounts, is a contract that establishes rules which control your
Your Instructions ..........................................................................................................2 accounts with us. Please read this Agreement and the other documents carefully. If
you sign the signature card or open or continue to have an account with us, you
Power of Attorney ........................................................................................................2
agree to these rules. You will receive a separate Consumer Fee Schedule
Lost, Stolen or Destroyed Passbooks..........................................................................2
simultaneously herewith at account opening.
Account Transfer..........................................................................................................2 This Agreement is subject to applicable federal laws and the laws of the State of
Closing Your Account...................................................................................................2 Rhode Island (except to the extent that this Agreement can and does vary such rules
Indemnification of Navigant Credit Union ....................................................................2 or laws). The body of state and federal law that governs our relationship with you,
Liability.........................................................................................................................2 however, is too large and complex to be reproduced here. The purpose of this
Deposits.......................................................................................................................3 document is to:
Ownership of Account and Beneficiary Designation ....................................................3 (1) summarize some laws that apply to common transactions;
Indorsing Checks .........................................................................................................3 (2) establish rules to cover transactions or events which the law does not regulate;
Withdrawals .................................................................................................................3 (3) establish rules for certain transactions or events which the law regulates but
Understanding and Avoiding Overdraft permits variation by agreement; and
and Insufficient Funds Fees (RET) (NSF)/Uncollected Funds Fees (UCF)...........4 (4) give you disclosures of some of our policies to which you may be entitled or in
Multi-Signature, Electronic Check Conversion which you may be interested.
and Similar Transactions .......................................................................................5 If there is a conflict between this Agreement and applicable law, despite anything in
Stop Payments ............................................................................................................5 this Agreement that may state otherwise, this Agreement will be considered changed
to the extent necessary to comply with the law. If any provision of this Agreement is
Telephone Transfers ....................................................................................................5
deemed to be invalid, illegal or otherwise unenforceable in any respect by a court or
Correction of Clerical Errors ........................................................................................5
other governmental agency having competent jurisdiction over us, that provision will
Statements...................................................................................................................5 continue to be enforceable to the extent permitted by that court or agency, and the
Temporary Account Agreement....................................................................................5 remainder of that provision will no longer be considered part of this Agreement. All
Restrictive Legends or Indorsements ..........................................................................5 other provisions of this Agreement will, however, remain in full force and effect.
Pledges........................................................................................................................5 No delay or waiver by us of any power, right, remedy or obligation under or in
Check Processing........................................................................................................5 connection with this Agreement on any one occasion will constitute a waiver of that
Death or Incompetence ...............................................................................................5 power, right, remedy or obligation on any subsequent occasion. In any event, no
Fiduciary Accounts.......................................................................................................5 such waiver or delay by us will be effective unless it is in writing and signed and
approved by us.
Legal Actions Affecting Your Account...........................................................................5
As used in this document the words “we,” “our,” and “us” mean Navigant Credit
Account Security..........................................................................................................6
Union, and the words “you” and “your” mean each account owner and anyone else
Instructions From You ..................................................................................................6 with the authority to deposit, withdraw, or exercise control over the funds in the
Claim of Loss ...............................................................................................................6 account. The headings in this document are for convenience or reference only and
Early Withdrawal Penalties ..........................................................................................6 will not govern the interpretation of the provisions. Unless it would be inconsistent to
Changes in Name and Contact Information.................................................................6 do so, words and phrases used in this document should be construed so the singular
Resolving Account Disputes ........................................................................................6 includes the plural and the plural includes the singular.
Direct Deposits ............................................................................................................6 BYLAWS - Our bylaws establish basic rules about our credit union policies and
Overdrafts/Insufficient Funds .......................................................................................6 operations which affect your account and membership. You may obtain a copy of the
Right to Repayment of Indebtedness ..........................................................................6 bylaws on request. Our right to require you to give us notice of your intention to
withdraw funds from your account is described in the bylaws.
No Exemption from Set Off ..........................................................................................6
AMENDMENTS AND TERMINATION - We may amend or delete any term of our
Reimbursement for Losses..........................................................................................6
bylaws or this agreement. We may also add new terms to our bylaws or to this
Waiver of Notices.........................................................................................................7 agreement. In addition, we may suspend, modify, convert, or terminate a service,
ACH and Wire Transfers..............................................................................................7 convert this account to another account type, or close this account for any reason
Stale-Dated Checks.....................................................................................................7 (including if your membership in the credit union terminates). For any of these types
NCUA Insurance ..........................................................................................................7 of changes, we will give you reasonable notice in writing by any reasonable method
Cash Transaction Reporting ........................................................................................7 including by mail, by any electronic communication method to which you have
Backup Withholding/TIN Certification ..........................................................................7 agreed, on or with a periodic statement, or through any other method permitted by
Unclaimed Property .....................................................................................................7 law. If we close the account, we will tender the account balance to you or your agent
personally, by mail, or by another agreed upon method.
UTMA Accounts ...........................................................................................................7
Reasonable notice depends on the circumstances, and in some cases, such as when
Lost, Destroyed, or Stolen Cashier’s Checks,
we cannot verify your identity or we suspect fraud, it might be reasonable for us to
or Money Orders....................................................................................................7
give you notice after the change becomes effective. For instance, if we suspect
Changing Account Products ........................................................................................7 fraudulent activity with respect to your account, and if we deem it appropriate under
Transactions by Mail ....................................................................................................7 the circumstances and necessary to prevent further fraud, we might immediately
Truncation, Substitute Checks, and Other Check Images ...........................................7 freeze or close your account and then give you notice.
Remotely Created Checks...........................................................................................7 Unless otherwise indicated in the notice of change, if we have notified you of a
Unlawful Internet Gambling Notice ..............................................................................7 change to your account, and you continue to have your account after the effective
International ACH Transactions ...................................................................................7 date of the change, you have accepted and agreed to the new or modified terms. You
Funds Transfers...........................................................................................................7 should review any change in terms notice carefully as the notice will provide
Facsimile Signatures ...................................................................................................8 important information of which you may need to be aware.
Additional Information ..................................................................................................8 We reserve the right to waive any term of this agreement. However, such waiver
shall not affect our right to enforce the term at a later date.
ELECTRONIC FUND TRANSFERS DISCLOSURE...................................................8
If you request that we close your account, you are responsible for leaving enough
FUNDS AVAILABILITY DISCLOSURE.....................................................................10
money in the account to cover any outstanding items or transactions to be paid from
the account. Once any outstanding items or transactions are paid, we will close the
account and tender the account balance, if any, to you or your agent personally, by
mail, or by another agreed upon method. Only a joint tenant that is a member can
close an account.
Any items and transactions presented for payment after the account is closed may
be dishonored. Any deposits we receive after the account is closed may be returned.

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We will not be liable for any damages for not honoring any such debits or deposits If you have agreed to receive information or documents from us electronically
received after the account is closed. (Electronic Records), the Electronic Records are sent by us, and received by you,
Note: Rules governing changes in interest rates are provided separately in the Truth- when either (a) the Electronic Records are transmitted by us to an email address you
in-Savings disclosure or in another document. In addition, for changes governed by a have given us for that purpose, or (b) the Electronic Records are posted to a website
specific law or regulation, we will follow the specific timing and format notice and an email is transmitted by us to an email address you have given us for that
requirements of those laws or regulations. purpose notifying you that the Electronic Records are available for access. If you
NOTICES - Any written notice you give us is effective when we actually receive it, have agreed to receive information or documents from us electronically, you will
and it must be given to us according to the specific delivery instructions provided notify us immediately if your email address changes or you cancel your email
elsewhere, if any. We must receive any notice in time to have a reasonable service. Until you give us notice, we may continue to send Electronic Records to your
opportunity to act on it. If a notice is regarding a check or other item, you must give email address we have on file.
us sufficient information to be able to identify the check or item, including the precise YOUR INSTRUCTIONS - In our sole discretion, we may follow your instructions
check or item number, amount, date and payee. Notice we give you via the United concerning your account, whether such instructions are provided by you in writing,
States Mail is effective when it is deposited in the United States Mail with proper electronically, orally (including our recording of your oral instructions) or by other
postage and addressed to your mailing address we currently have on file. Notice we means, and we may do so without any liability to you.
give you through your email of record, or other electronic method to which you POWER OF ATTORNEY - We may, in our sole discretion, permit any person to
agreed, will be treated as delivered to you when sent. Notice to any of you is notice whom you have granted a power of attorney to access and otherwise transact
to all of you. business on your account until such time as we receive and have had a reasonable
SIGNATURE CARD - The form of ownership of your account is designated on the opportunity to act on written notice that the power of attorney has been revoked. You
signature card you completed when opening your account. We may rely on this agree to provide us with documentation that is in a form satisfactory to us unless
designation for all purposes concerning your account. If for some reason you have applicable law provides otherwise, and to hold us harmless from and against any
not signed a signature card or we do not have your signature card, we will not be actions we have taken or your attorney-in-fact has taken regarding your account prior
liable to you for honoring checks or other signed instructions if we believe in good to the revocation of such power. Subject to applicable law, we may, in our sole
faith that the signature appearing on such checks or instructions is authorized. discretion, refuse to honor any power of attorney. We have no duty to monitor or
If two or more persons desire to establish a joint account with us, each person must ensure that the acts of any attorney-in-fact exceeds his or her powers or does not
sign the signature card. For your convenience, we may allow you to establish a joint comply with applicable law.
account, even if only one joint account owner signs the signature card. If we allow LOST, STOLEN OR DESTROYED PASSBOOKS - You agree to notify us as soon
you to do this, you agree to indemnify and hold us harmless from and against any as possible if any passbook issued in connection with your account is lost, stolen or
losses (as defined below) we may incur, or other harm arising from, or in any way destroyed. We will close your account and issue you a replacement passbook only if
relating to, establishing your joint account without having a signature card signed by you (or, if your account is a joint account, all joint account owners) make a written
another joint account owner. When we use the word “losses” in this Agreement, we application to us, present us with appropriate identification and other documentation
mean all losses, liabilities, claims, fines, penalties, fees, costs and expenses that we deem appropriate under the circumstances, and pay us a loss passbook fee
(including, without limitation, attorneys' fees and litigation costs) of any kind. Each as set forth in our Consumer Fee Schedule (as the same may be amended from time
account owner who has not signed the account's signature card shall be bound by to time). We will have no further liability for the original passbook upon the issuance
this Agreement and any other applicable agreement. If any joint account owner has of a replacement passbook, and you agree to indemnify us for all losses arising from
not provided us with a signed signature card, your joint account may not qualify as a the issuance of a new passbook to you.
joint account for purposes of federal deposit insurance coverage or under applicable ACCOUNT TRANSFER - Your account may not be transferred or assigned without
law concerning inheritance or the transfer of property upon death. We reserve the our prior written consent.
right to refuse to pay or honor checks and other orders of withdrawal signed by a CLOSING YOUR ACCOUNT - We may close your account at any time and for any
joint account owner who has not signed the account's signature card. We may, in our reason in our sole discretion, and we will provide notice to you of such closing. You
sole discretion, convert your joint account into an individual account. may also close your account at any time by calling us or by visiting any of our branch
DOCUMENTATION, IDENTIFICATION AND INFORMATION - To help the offices. Any request to close your account will be effective only after we have
government fight the funding of terrorism and money laundering activities, applicable received your request and we have had a reasonable opportunity to act on such
law requires all financial institutions to obtain, verify and record information that request and the validity of the same. If your account is closed, we may, in our sole
identifies each person who opens an account. Accordingly, you may establish an discretion, mail to you at your address as it appears on our records our check
account with us by signing our signature card and providing us with any other representing the remaining balance in your account, if any, or transfer such balance
documentation (for example, your name, address, date of birth, license information, to another account you maintain with us. In any event, we will not be liable to you for
etc.) that we may require from time to time. If you desire to establish a joint account dishonoring any item drawn on or debited from your account and presented to us for
with us, each joint account owner must sign our signature card and provide us with payment after your account has been closed. The closing of your account, whether
any other documentation or information that we may require from time to time. To by us or you, will not affect any of your or our rights and obligations which have
avoid possible fraud or other problems with your account, all documentation you arisen before the effective date of the closing of your account, and this Agreement
provide to us in connection with establishing your account must be in form and will survive the closing of your account. In this regard, after your account is closed,
substance satisfactory to us. you are still responsible for the payment of any fees or charges incurred prior to or in
We reserve the right to approve any and all documentation, such as checks or other connection with the closing of your account.
items you use with your account. INDEMNIFICATION OF NAVIGANT CREDIT UNION - You agree to indemnify
You agree that (a) we are not liable to you and (b) you will indemnify and hold us and hold us, our directors, officers, employees, and agents harmless from and
harmless from and against any and all losses of any kind that we may incur resulting against losses arising in connection with the services provided under this Agreement,
from your use of checks obtained from a third-party vendor and not through us or if except for losses arising out of our own gross negligence or willful misconduct. You
you print your own checks. When we use the word “check” in this Agreement, we further agree to indemnify and hold us, our directors, officers, employees and agents
mean checks or other items, such as drafts or electronic images presented to us for harmless from losses arising out of actions taken or omitted in good faith by us in
payment by another financial institution. reliance upon instructions from you. We are not responsible for any actions or
We may from time to time request additional information from you to protect your omissions by any third party. If you give us instructions that we believe may expose
account and our systems from fraud or other problems. This information may include us to potential liability, we may refuse to follow your instructions. We are under no
new specimen signatures and other information that we must obtain under applicable obligation to follow, and we will not be liable to you if we choose not to follow, such
law. You agree to assist us by promptly complying with any such request. You also instructions. If we do, we may ask you for certain protections such as a surety bond
agree to hold us harmless for refusing to pay or release funds or to take any other or an indemnity agreement in a form that is satisfactory to us.
action relating to your account where the refusal is based on your failure to provide LIABILITY - You agree, for yourself (and the person or entity you represent if you
the signatures or documentation requested by us from time to time. sign as a representative of another) to the terms of this account and the schedule of
INFORMATION ACCURACY AND CREDIT VERIFICATION - You acknowledge charges. You authorize us to deduct these charges, without notice to you, directly
and agree that any information you have or will provide to us is complete, true and from the account balance as accrued. You will pay any additional reasonable charges
accurate. You authorize us to request and obtain, from time to time, consumer for services you request which are not covered by this agreement.
reports from consumer reporting agencies or other information about you from third Each of you also agrees to be jointly and severally (individually) liable for any
parties (including, without limitation, information concerning your employment, salary, account shortage resulting from charges or overdrafts, whether caused by you or
assets, debts and references) that we believe is helpful to determine your eligibility to another with access to this account. This liability is due immediately, and we can
open or maintain any accounts or services or for any other legitimate business deduct any amounts deposited into the account and apply those amounts to the
purpose. shortage. You have no right to defer payment of this liability, and you are liable
CORRESPONDENCE - To the extent permitted under applicable law, any written regardless of whether you signed the item or benefited from the charge or overdraft.
correspondence you send to us will not be effective until we have received it and You will be liable for our costs as well as for our reasonable attorneys’ fees, to the
have had a reasonable opportunity to act on such correspondence. Any written extent permitted by law, whether incurred as a result of collection or in any other
correspondence we send to you will, however, be effective and deemed delivered dispute involving your account. This includes, but is not limited to, disputes between
when mailed to you at your address as it appears on our records. If your account is a you and another joint owner; you and an authorized signer or similar party; or a third
joint account, any correspondence that we send to any one joint account owner at party claiming an interest in your account. This also includes any action that you or a
the address on our records for the joint account is considered notice to all joint third party takes regarding the account that causes us, in good faith, to seek the
account owners. advice of an attorney, whether or not we become involved in the dispute. All costs

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and attorneys’ fees can be deducted from your account when they are incurred, all of the funds in the Payable on Death Account will be owned by the beneficiary (or
without notice to you. if there is more than one designated beneficiary, in equal shares by the beneficiaries
DEPOSITS - We will give only provisional credit until collection is final for any items, then living). The funds in your Payable on Death Account are not governed by your
other than cash, we accept for deposit (including items drawn “on us”). Before will or inherited by your heirs. If there is more than one beneficiary, in our sole
settlement of any item becomes final, we act only as your agent, regardless of the discretion and subject to our right of set off and any applicable security interest, we
form of indorsement or lack of indorsement on the item and even though we provide may pay the funds in a Payable on Death Account in equal shares to the account's
you provisional credit for the item. We may reverse any provisional credit for items living beneficiaries or pay the funds by issuing a check in the name of all living
that are lost, stolen, or returned. Unless prohibited by law, we also reserve the right beneficiaries and giving the check to any one beneficiary. We have no obligation to
to charge back to your account the amount of any item deposited to your account or notify any beneficiary of the existence of a Payable on Death Account or the vesting
cashed for you which was initially paid by the payor bank and which is later returned of an interest in such an account. Certain state law restrictions may apply to Payable
to us due to an allegedly forged, unauthorized or missing indorsement, claim of on Death Accounts. You are solely responsible for complying with applicable law in
alteration, encoding error, counterfeit cashier’s check or other problem which in our establishing a Payable on Death Account. We make no representation that
judgment justifies reversal of credit. You authorize us to attempt to collect previously designating your account as a Payable on Death Account is advisable. You should
returned items without giving you notice, and in attempting to collect we may permit consult an attorney or other qualified estate planning professional before designating
the payor bank to hold an item beyond the midnight deadline. Actual credit for your account as a Payable on Death Account.
deposits of, or payable in, foreign currency will be at the exchange rate in effect on Totten Trust Account: In limited circumstances, we may, in our sole discretion, allow
final collection in U.S. dollars. We are not responsible for transactions by mail or you to establish a Totten Trust account without a formal trust document, provided you
outside depository until we actually record them. If you deliver a deposit to us and give us the name and residential address of the account beneficiaries and any other
you will not be present when the deposit is counted, you must provide us an itemized documentation we may require in a form satisfactory to us. Generally speaking, a
list of the deposit (deposit slip). To process the deposit, we will verify and record the Totten Trust is an account established by you in your own name as the trustee for the
deposit, and credit the deposit to the account. If there are any discrepancies between benefit of another, and is a tentative trust revocable at will. This means you may
the amounts shown on the itemized list of the deposit and the amount we determine withdraw all of the funds in the account for your own use at any time. If there is more
to be the actual deposit, we will notify you of the discrepancy. You will be entitled to than one trustee named on the account, the account will be treated as a joint account
credit only for the actual deposit as determined by us, regardless of what is stated on and all of the rules regarding joint accounts will apply, except as set forth herein.
the itemized deposit slip. We will treat and record all transactions received after our Deposits made to your Totten Trust account will be credited to you as trustee for the
“daily cutoff time” on a business day we are open, or received on a day we are not benefit of the designated account beneficiary or beneficiaries. We may make
open for business, as if initiated on the next business day that we are open. At our payments to you during your lifetime. Upon your death, or if there is more than one
option, we may take an item for collection rather than for deposit. If we accept a third- trustee, upon the death of the last surviving trustee, all of the funds will be owned by
party check or draft for deposit, we may require any third-party indorsers to verify or the beneficiary (or if there is more than one designated beneficiary, in equal shares
guarantee their indorsements, or indorse in our presence. by the beneficiaries then living). Subject to our right of set off and any applicable
OWNERSHIP OF ACCOUNT AND BENEFICIARY DESIGNATION - These rules security interest, if there is more than one living beneficiary, we may, at our option,
apply to this account depending on the form of ownership and beneficiary pay the funds in the account in equal shares to each beneficiary or pay the funds by
designation, if any, specified on the account records. We reserve the right to refuse issuing a check in the name of both beneficiaries and giving the check to any one
some forms of ownership on any or all of our accounts. We make no representations beneficiary. The money in the account will not be inherited by your heirs or controlled
as to the appropriateness of or the effect of the ownership and beneficiary by your will. Certain state law restrictions may apply. You are solely responsible for
designations, except as they determine to whom we pay the account funds. You complying with applicable law in establishing a Totten Trust account. We have no
agree that your accounts will only be used for personal financial transactions, and obligation to notify any beneficiary of the existence of any account or the vesting of
that the accounts will not be used for transactions related to a business, sole any interest in any account.
proprietorship, corporation or any other business entity unless you provide us with Formal Trust Accounts: We may, in our sole discretion, allow a trustee or the
appropriate evidence of the existence, and your authority to act on behalf, of such trustees of a formal written trust (other than a Totten Trust) to establish an account
business entity. We reserve the right to have legal counsel, at any time, review all with us in the name of the trust. In the case of any such trust account, you agree to
aspects of any account agreement. provide us with a copy of the trust instrument, the name and residential address of
Individual Account: An individual account is an account in the name of one person. any successor trustee designated in the trust instrument, and any other
If you establish an individual account, you are the sole owner of the account. documentation in a form satisfactory to us, including a certificate of trust, and to hold
Joint Account: If you have a joint account, each person will be a co-owner and us harmless from and against any actions that we take or any trustee takes regarding
authorized signer and will have equal authority and rights regarding the account. the account in reliance on such documentation or certification. We have no duty to
Deposits, Withdrawals and Other Account Transactions: Any money deposited monitor or ensure that the acts of any trustee are for the use or benefit of the
into your joint account is the property of each joint account owner. At our discretion, beneficiaries or are otherwise permissible under any trust instrument or applicable
we may (i) permit any joint account owner to withdraw all or any part of the deposits law. We will not be liable if any trustee exceeds his or her powers or does not comply
to, and interest earned on, your joint account, (ii) pay checks drawn on your joint with applicable law.
account by any joint account owner, or (iii) honor any other request of any joint INDORSING CHECKS - If you cash or deposit a check, we are legally entitled to a
account owner relating to your joint account, even if we do not have on record a valid and unqualified indorsement from you, and you give us the irrevocable right to
signature card signed by the joint account owner who signed the check or is seeking place such an indorsement on the check. You agree to reimburse us for our losses
to withdraw or to take any other action on your joint account. We may, however, also because you fail to indorse a check as exactly drawn or you deposit a check that
refuse to do so. contains multiple indorsements or a missing or improper indorsement. You also
We may follow instructions about your joint account from any owner of the joint agree not to give us any check which you have indorsed “without recourse” or with
account, and may do so without any notice or liability to the other joint account another similar condition. If you do, we can still place your unqualified indorsement
owners. In the event that there is a dispute or a joint account owner provides us with on the check. We can enforce against you any rights that an unqualified indorsement
conflicting instructions, we may place a hold on, and refuse to pay checks, permit gives us. Unless otherwise required by applicable law, we will not be bound by or
withdrawals from, or permit other transactions on your joint account until we receive obligated to comply with any notation or memoranda on a check unless we have
a final court order or written instructions signed by all joint account owners. Once agreed to do so in advance and in writing.
your joint account is opened, a joint account owner cannot add or remove another WITHDRAWALS -
joint account owner from that joint account without the prior written consent of all Important terms for accounts where more than one person can withdraw -
other joint owners. Any joint account owner can close the joint account by Unless clearly indicated otherwise on the account records, any of you, acting alone,
withdrawing all of the funds from the joint account. who signs to open the account or has authority to make withdrawals may withdraw or
Right of Survivorship (and Not as Tenants in Common): We presume that any transfer all or any part of the account balance at any time. Each of you (until we
joint account established with us is a joint tenancy with right of survivorship, subject receive written notice to the contrary) authorizes each other person who signs or has
to applicable law, and not a tenancy in common. Generally speaking, this means authority to make withdrawals to indorse any item payable to you or your order for
that, upon the death of any joint account owner, the account balance is owned by the deposit to this account or any other transaction with us. We may also refuse your
surviving joint account owners, subject to our right of set off and any applicable request to make a withdrawal from your account under certain circumstances,
security interest, and the heirs of the deceased joint account owner have no interest including, without limitation, where:
in the account. We may, however, require the surviving joint account owners to • we have received a court order or other legal document prohibits withdrawal or
provide us with certain documentation satisfactory to us before we will release the if applicable law prohibits withdrawal;
remaining funds in the account. If more than one joint account owner survives, they • there is a dispute concerning your account;
will own the account as joint tenants with right of survivorship, not as tenants in • you owe us money that is due and payable;
common. • your account is security for a debt;
Payable On Death Accounts: Without having to establish a trust, you may, subject • you or a person we believe to be an agent of an owner of requests that we do
to applicable law, designate your account to be payable on your death to one or more not permit withdrawals;
designated beneficiaries - known as a Payable on Death Account. This is similar to a • a problem occurs with our equipment;
Totten Trust Account described below. If you establish a Payable on Death • limited currency is available at a particular branch office; or
Account, the account belongs to you during your lifetime and your beneficiaries have
• such action is otherwise required by applicable law.
no interest in or any access to the account until your death. Upon your death (or in
We are required by applicable law to reserve the right to require at least seven (7)
the case of a joint account, upon the death of the last-surviving joint account owner),
calendar days' written notice before you withdraw money from your interest-bearing

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checking, savings, money market, Variable Rate Savings IRA or SEP accounts. If, on As the name implies, your available balance is calculated based on the money
our request, you do not provide us with such written notice, we may refuse to allow “available” in your account to make payments. In other words, the available balance
you to withdraw funds from your account, whether by check or other means, during takes ACH credit transactions and debit card transactions that have been authorized,
this period, and we will not be liable to you for this refusal. but not yet settled, and adds or subtracts them from the actual balance. In addition,
Postdated checks - A postdated check is one which bears a date later than the date when calculating your available balance, any “holds” placed on deposits that have
on which the check is written. We may properly pay and charge your account for a not yet cleared are also subtracted from the actual balance. For more information on
postdated check even though payment was made before the date of the check, how holds placed on funds in your account can impact your available balance, read
unless we have received written notice of the postdating in time to have a reasonable the subsection titled “A temporary debit authorization hold affects your account
opportunity to act. Because we process checks mechanically, your notice will not be balance.”
effective and we will not be liable for failing to honor your notice unless it precisely Overdrafts - You understand that we may, at our discretion, honor withdrawal
identifies the number, date, amount and payee of the item. requests that overdraw your account. However, the fact that we may honor
Checks and withdrawal rules - If you do not purchase your check blanks from us, withdrawal requests that overdraw the account balance does not obligate us to do so
you must be certain that we approve the check blanks you purchase. We may refuse later. So you can NOT rely on us to pay overdrafts on your account regardless of
any withdrawal or transfer request which you attempt on forms not approved by us or how frequently or under what circumstances we have paid overdrafts on your
by any method we do not specifically permit. We may refuse any withdrawal or account in the past. We can change our practice of paying, or not paying,
transfer request which is greater in number than the frequency permitted by our discretionary overdrafts on your account without notice to you. You can ask us if we
policy, or which is for an amount greater or less than any withdrawal limitations. We have other account services that might be available to you where we commit to
will use the date the transaction is completed by us (as opposed to the date you paying overdrafts under certain circumstances, such as an overdraft protection line-
initiate it) to apply any frequency limitations. In addition, we may place limitations on of-credit or a plan to sweep funds from another account you have with us. You agree
the account until your identity is verified. that we may charge fees for overdrafts. For consumer accounts, we will not charge
Even if we honor a nonconforming request, we are not required to do so later. If you fees for overdrafts caused by ATM withdrawals or one-time (sometimes referred to as
violate the stated transaction limitations (if any), in our discretion we may close your “everyday”) debit card transactions if you have not opted-in to that service. We may
account or reclassify your account as another type of account. If we reclassify your use subsequent deposits, including direct deposits of social security or other
account, your account will be subject to the fees and earnings rules of the new government benefits, to cover such overdrafts and overdraft fees.
account classification. Insufficient Funds Fee (Ret) (NSF) / Uncollected Funds Fee (UCF) - If an item
If we are presented with an item drawn against your account that would be a drafted by you (such as a check) or a transaction you set up (such as a
“substitute check,” as defined by law, but for an error or defect in the item introduced preauthorized transfer) is presented for payment in an amount that is more than the
in the substitute check creation process, you agree that we may pay such item. amount of money available in your account, and we decide not to pay the item or
Cash withdrawals - We recommend you take care when making large cash transaction, you agree that we can charge you a fee for returning the payment. Be
withdrawals because carrying large amounts of cash may pose a danger to your aware that such an item or payment may be presented multiple times by the
personal safety. As an alternative to making a large cash withdrawal, you may want merchant or other payee until it is paid, and that we do not monitor or control the
to consider a cashier's check or similar instrument. You assume full responsibility of number of times a transaction is presented for payment. You agree that we may
any loss in the event the cash you withdraw is lost, stolen, or destroyed. You agree to charge you a fee each time a payment is presented if the amount of money available
hold us harmless from any loss you incur as a result of your decision to withdraw in your account is not sufficient to cover the payment, regardless of the number of
funds in the form of cash. times the payment is presented.
Passbook Savings Accounts: You must make all withdrawals and transfers from Payment types - Some, but not necessarily all, of the ways you can access the
your passbook savings account in person at one of our branches that accepts funds in your account include debit card transactions, automated clearing house
passbook accounts. You must have your passbook with you, and it must be (ACH) transactions, and check transactions. A debit card transaction might be
presented at the time of the withdrawal transaction. Electronic Fund Transfers are not authorized by use of a PIN, a signature, or a chip. An example of an ACH transaction
permitted on Passbook Share accounts. This includes but is not limited to any direct is a preauthorized payment you have set up on a recurring basis. All these payment
deposits, pre-authorized transfers, or arrangements to pay recurring bills. types can use different processing systems and some may take more or less time to
Club Statement Accounts: You are not able to make withdrawals or transfers from post. This information is important for a number of reasons. For example, keeping
your club statement account until the end of its term. You may close your club track of the checks you write and the timing of the preauthorized payments you set
statement account at any time; however, you may be charged a fee as set forth in up will help you to know what other transactions might still post against your account.
our fee schedule (as the same may be amended from time to time) if any withdrawal For information about how and when we process these different payment types, see
is made from your club statement account before the end of its term. the "Payment order of items" subsection below.
IRAs and SEP Accounts: All withdrawals from your IRA and SEP accounts are Balance information - Keeping track of your balance is important. You can review
subject to current regulations of the IRS governing such accounts and may trigger your balance in a number of ways including reviewing your periodic statement,
tax penalties and be subject to taxation. You can withdraw interest credited to your reviewing your balance online, accessing your account information by phone, or
CD account before the maturity of the term of your CD without penalty. There may be coming into one of our branches.
a fee for outgoing transfers from an IRA or SEP account as set forth in our fee Funds availability - Knowing when funds you deposit into your account will be made
schedule (as the same may be amended from time to time). You should refer to your available for withdrawal is another important concept that can help you avoid being
retirement and account disclosure statements for other retirement account limitation. assessed fees or charges. Please see our FUNDS AVAILABILITY DISCLOSURE
UNDERSTANDING AND AVOIDING OVERDRAFT AND INSUFFICIENT (generally titled, “Your Ability to Withdraw Funds”) for information on when different
FUNDS FEES (RET) (NSF)/UNCOLLECTED FUNDS FEES (UCF) - types of deposits will be made available for withdrawal. For an account to which our
funds availability policy disclosure does not apply, you can ask us when you make a
Generally - The information in this section is being provided to help you understand
deposit when those funds will be available for withdrawal. An item may be returned
what happens if your account is overdrawn. Understanding the concepts of
after the funds from the deposit of that item are made available for withdrawal. In that
overdrafts and insufficient funds fee (Ret) (NSF)/uncollected funds fee (UCF) is
case, we will reverse the credit of the item. We may determine the amount of
important and can help you avoid being assessed fees or charges. This section also
available funds in your account for the purpose of deciding whether to return an item
provides contractual terms relating to overdrafts and NSF/UCF transactions.
for insufficient funds at any time between the times we receive the item and when we
An overdrawn account will typically result in you being charged an overdraft fee or an
return the item or send a notice in lieu of return. We need only make one
NSF/UCF fee. Generally, an overdraft occurs when there is not enough money in
determination, but if we choose to make a subsequent determination, the account
your account to pay for a transaction, but we pay (or cover) the transaction anyway.
balance at the subsequent time will determine whether there are insufficient available
An NSF/UCF transaction is slightly different. In an NSF/UCF transaction, we do not
funds.
cover the transaction. Instead, the transaction is rejected and the item or requested
A temporary debit authorization hold affects your account balance - On debit
payment is returned. In either situation, we can charge you a fee.
card purchases, merchants may request a temporary hold on your account for a
If you use our Overdraft Privilege and we cover a transaction for which there is not
specified sum of money when the merchant does not know the exact amount of the
enough money in your account to pay, we will consider that an overdraft. We treat all
purchase at the time the card is authorized. The amount of the temporary hold may
other transactions for which there is not enough money in your account as an
be more than the actual amount of your purchase. Some common transactions
NSF/UCF transaction, regardless of whether we cover the transaction or the
where this occurs involve purchases of gasoline, hotel rooms, or meals at
transaction is rejected.
restaurants. When this happens, our processing system cannot determine that the
Determining your available balance - We use the “available balance” method to amount of the hold exceeds the actual amount of your purchase. This temporary
determine whether your account is overdrawn, that is, whether there is enough hold, and the amount charged to your account, will eventually be adjusted to the
money in your account to pay for a transaction. Importantly, your “available” balance actual amount of your purchase, but it could be three calendar days, or even longer
may not be the same as your account’s “actual” balance. This means an overdraft or in some cases, before the adjustment is made. Until the adjustment is made, the
an NSF/UCF transaction could occur regardless of your account’s actual balance. amount of funds in your account available for other transactions will be reduced by
Your account’s actual balance (sometimes called the ledger balance) only includes the amount of the temporary hold. If one or more transactions are presented for
transactions that have settled up to that point in time, that is, transactions (deposits payment in an amount greater than the funds left after the deduction of the temporary
and payments) that have posted to your account. The actual balance does not hold amount, you will be charged an NSF/UCF or overdraft fee according to our
include outstanding transactions (such as checks that have not yet cleared and Consumer Fee Schedule, which may result in one or more overdraft NSF/UCF fees.
electronic transactions that have been authorized but which are still pending). The You will be charged the fee even if you would have had sufficient funds in your
balance on your periodic statement is the ledger balance for your account as of the account if the amount of the hold had been equal to the amount of your purchase.
statement date.

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Payment order of items - The order in which items are paid is important if there is without regard to whether we used ordinary care. The limitation in this paragraph is in
not enough money in your account to pay all of the items that are presented. The addition to that contained in the first paragraph of this section.
payment order can affect the number of items overdrawn or returned unpaid and the Your duty to report other errors or problems - In addition to your duty to review
amount of the fees you may have to pay. To assist you in managing your account, we your statements for unauthorized signatures or alterations, you agree to examine
are providing you with the following information regarding how we process those your statement with reasonable promptness for any other error or problem - such as
items. an encoding error or an unexpected deposit amount. Also, if you receive or we make
Our policy is to process credits (or deposits into your account) in the order they are available either your items or images of your items, you must examine them for any
received on the day they are processed. We process debits (or withdrawals out of unauthorized or missing indorsements or any other problems. You agree that the
your account) lowest to highest dollar amount on the day they are processed. We time you have to examine your statement and items and report to us will depend on
process ATM and debit card transactions in the order they are received on the day the circumstances. However, this time period shall not exceed sixty (60) days. Failure
they are processed. We process checks lowest to highest dollar amount on the day to examine your statement and items and report any errors to us within sixty (60)
they are processed. We process checks cashed at branch, levies, garnishments, days of when we first send or make the statement available precludes you from
items not initially paid due to NSF in the order they are received on the day they are asserting a claim against us for any errors on items identified in that statement and
processed. We process any fees on your account for services posted in an order as between you and us the loss will be entirely yours.
generated by our system. Duty to notify if statement not received - You agree to immediately notify us if you
*NOTE - There are exceptions to the above items based on manual processing. do not receive your statement by the date you normally expect to receive it. Not
If a check, item or transaction is presented without sufficient funds in your account to receiving your statement in a timely manner is a sign that there may be an issue with
pay it, we may, at our discretion, pay the item (creating an overdraft) or return the your account, such as possible fraud or identity theft. Absent a lack of ordinary care
item for insufficient funds (NSF). We will not charge you a fee for paying an overdraft by us, a failure to receive your statement in a timely manner does not extend the time
of an ATM or everyday debit card transaction if this is a consumer account and you you have to conduct your review under this agreement.
have not opted-in to that service. The amounts of the overdraft and NSF fees are TEMPORARY ACCOUNT AGREEMENT - If the account documentation indicates
disclosed elsewhere, as are your rights to opt in to overdraft services for ATM and that this is a temporary account agreement, it means that all account owners have
everyday debit card transactions, if applicable. We encourage you to make careful not yet signed the signature card, or that some other account opening requirement
records and practice good account management. This will help you to avoid creating has not been completed. We may give you a duplicate signature card so that you can
items without sufficient funds and potentially incurring the resulting fees. obtain all of the necessary signatures and return it to us. Each person who signs to
MULTI-SIGNATURE, ELECTRONIC CHECK CONVERSION AND SIMILAR open the account or has authority to make withdrawals (except as indicated to the
TRANSACTIONS - An electronic check conversion transaction is a transaction contrary) may transact business on this account. However, we may at some time in
where a check or similar item is converted into an electronic fund transfer as defined the future restrict or prohibit further use of this account if you fail to comply with the
in the Electronic Fund Transfers regulation. In these types of transactions the check requirements we have imposed within a reasonable time. Additionally, failure to
or similar item is either removed from circulation (truncated) or given back to you. As return the signed signature card may result in the account being closed.
a result, we have no opportunity to review the check to examine the signatures on RESTRICTIVE LEGENDS OR INDORSEMENTS - The automated processing of
the item. You agree that, as to these or any items as to which we have no opportunity the large volume of checks we receive prevents us from inspecting or looking for
to examine the signatures, you waive any requirement of multiple signatures. restrictive legends, restrictive indorsements or other special instructions on every
Online banking and telephone banking transactions, including but not limited to check. For this reason, we are not required to honor any restrictive legend or
transfers and bill payments, will not be permitted and processed on any consumer or indorsement or other special instruction placed on checks you write unless we have
business deposit account that has a multi-signature requirement. The multi-signature agreed in writing to the restriction or instruction. Unless we have agreed in writing,
requirement is for the sole benefit, use and privilege of the consumer or business we are not responsible for any losses, claims, damages, or expenses that result from
deposit account owners and shall not be binding on us. All account owners and/or your placement of these restrictions or instructions on your checks. Examples of
authorized signers indemnify and hold harmless Navigant Credit Union from and restrictive legends placed on checks are “must be presented within ninety (90) days”
against any and all claims and/or demands with regard to the terms and conditions or “not valid for more than $1,000.00.” The payee’s signature accompanied by the
contained herein in this paragraph. words “for deposit only” is an example of a restrictive indorsement.
STOP PAYMENTS - You must make any stop-payment order in the manner required PLEDGES - Each owner of this account may pledge all or any part of the funds in it
by law and we must receive it in time to give us a reasonable opportunity to act on it for any purpose to which we agree. Any pledge of this account must first be satisfied
before our stop-payment deadline time. To be effective, your stop-payment order before the rights of any surviving account owner or account beneficiary become
must precisely identify the number, date and amount of the item, and the payee. effective.
You may stop payment on any item drawn on your account, including preauthorized CHECK PROCESSING - We process items mechanically by relying almost
recurring payments, whether you sign the item or not, if you have an equal or greater exclusively on the information encoded in magnetic ink along the bottom of the items.
right to withdraw from this account than the person who signed the item. A release of This means that we do not individually examine all of your items to determine if the
the stop-payment request may be made the person that originally placed the stop or item is properly completed, signed and indorsed or to determine if it contains any
a co-owner on the account who initiated the stop-payment order. Stop-payments information other than what is encoded in magnetic ink. You agree that we have
must be received one hour after the opening of the next banking day after the exercised ordinary care if our automated processing is consistent with general
banking day on which we receive the item. Stop-payments received after such time banking practice, even though we do not inspect each item. Because we do not
are not effective and will not be honored. Additional limitations on our obligation to inspect each item, if you write a check to multiple payees, we can properly pay the
stop payment are provided by law (e.g., if we paid the item in cash or we certified the check regardless of the number of indorsements unless you notify us in writing that
item). the check requires multiple indorsements. We must receive the notice in time for us
TELEPHONE TRANSFERS - A telephone transfer of funds from this account to to have a reasonable opportunity to act on it, and you must tell us the precise date of
another account with us, if otherwise arranged for or permitted, may be made by the the check, amount, check number and payee. We are not responsible for any
same persons and under the same conditions generally applicable to withdrawals unauthorized signature or alteration that would not be identified by a reasonable
made in writing. inspection of the item. Using an automated process helps us keep costs down for
CORRECTION OF CLERICAL ERRORS - Unless otherwise prohibited by law, you you and all account holders.
agree, if determined necessary in our reasonable discretion, to allow us to correct DEATH OR INCOMPETENCE - You agree to notify us promptly if any person with a
clerical errors, such as obtaining your missing signature, on any account documents right to withdraw funds from your account(s) dies or is adjudicated (determined by the
or disclosures that are part of our agreement with you. For errors on your periodic appropriate official) incompetent. We may continue to honor your checks, items, and
statement, please refer to the STATEMENTS section. instructions until: (a) we know of your death or adjudication of incompetence, and (b)
STATEMENTS - Your duty to report unauthorized signatures (including we have had a reasonable opportunity to act on that knowledge. You agree that we
forgeries and counterfeit checks) and alterations on checks and other items - may pay or certify checks drawn on or before the date of death or adjudication of
You must examine your statement of account with “reasonable promptness.” If you incompetence for up to ten (10) days after your death or adjudication of incompetence
discover (or reasonably should have discovered) any unauthorized signatures unless ordered to stop payment by someone claiming an interest in the account.
(including forgeries and counterfeit checks) or alterations, you must promptly notify FIDUCIARY ACCOUNTS - Accounts may be opened by a person acting in a
us of the relevant facts. As between you and us, if you fail to do either of these fiduciary capacity. A fiduciary is someone who is appointed to act on behalf of and for
duties, you will have to either share the loss with us, or bear the loss entirely yourself the benefit of another. We are not responsible for the actions of a fiduciary, including
(depending on whether we used ordinary care and, if not, whether we substantially the misuse of funds. This account may be opened and maintained by a person or
contributed to the loss). The loss could be not only with respect to items on the persons named as a trustee under a written trust agreement, or as executors,
statement but other items with unauthorized signatures or alterations by the same administrators, or conservators under court orders. You understand that by merely
wrongdoer. opening such an account, we are not acting in the capacity of a trustee in connection
You agree that the time you have to examine your statement and report to us will with the trust nor do we undertake any obligation to monitor or enforce the terms of
depend on the circumstances, but will not, in any circumstance, exceed a total of the trust or letters.
thirty (30) days from when the statement is first sent or made available to you. LEGAL ACTIONS AFFECTING YOUR ACCOUNT - If we are served with a
You further agree that if you fail to report any unauthorized signatures or alterations subpoena, restraining order, writ of attachment or execution, levy, garnishment,
in your account within sixty (60) days of when we first send or make the statement search warrant, or similar order relating to your account (termed "legal action" in this
available, you cannot assert a claim against us on any items in that statement, and section), we will comply with that legal action as required by applicable law. However,
as between you and us the loss will be entirely yours. This sixty (60)-day limitation is nothing in this agreement shall be construed as a waiver of any rights you may have
under applicable law with regards to such legal action. Subject to applicable law, we

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may, in our sole discretion, choose to freeze the assets in the account and not allow EARLY WITHDRAWAL PENALTIES (and involuntary withdrawals) - We may
any payments or transfers out of the account, or take other action as may be impose early withdrawal penalties on a withdrawal from a time or term share account
appropriate under the circumstances, until there is a final court determination even if you don’t initiate the withdrawal. For instance, the early withdrawal penalty
regarding the legal action. We may do these things even if the legal action involves may be imposed if the withdrawal is caused by the enforcement of our right to
less than all of you. In these cases, we will not have any liability to you if there are repayment of indebtedness against funds in the account or as a result of an
insufficient funds to pay your items because we have withdrawn funds from your attachment or other legal process. We may close your account and impose the early
account or in any way restricted access to your funds in accordance with the legal withdrawal penalty on the entire account balance in the event of a partial early
action and applicable law. Any fees or expenses we incur in responding to any legal withdrawal. See your separately provided notice of penalty for early withdrawal for
action (including, without limitation, attorneys' fees, and our internal expenses) may additional information.
be charged against your account, unless otherwise prohibited by applicable law. The CHANGES IN NAME AND CONTACT INFORMATION - You are responsible for
list of fees applicable to your account(s) - provided elsewhere - may specify notifying us of any change in your name, address, or other information we use to
additional fees that we may charge for responding to certain legal actions. communicate with you. Informing us of your address or name change on a check
ACCOUNT SECURITY - reorder form is not sufficient. We will attempt to communicate with you only by use of
Your Duty to protect account information and methods of access - Our policy the most recent information you have provided to us. If provided elsewhere, we may
may require methods of verifying your identity before providing you with a service or impose a service fee if we attempt to locate you.
allowing you access to your account. We can decide what identification is reasonable RESOLVING ACCOUNT DISPUTES - We may place an administrative hold on the
under the circumstances. For example, process and identification requirements may funds in your account (refuse payment or withdrawal of the funds) if it becomes
vary depending on whether they are online or in person. Identification may be subject to a claim adverse to (1) your own interest; (2) others claiming an interest as
documentary or physical and may include collecting a fingerprint, voiceprint, or other survivors or beneficiaries of your account; or (3) a claim arising by operation of law.
biometric information. The hold may be placed for such period of time as we believe reasonably necessary
It is your responsibility to protect the account numbers and electronic access devices to allow a legal proceeding to determine the merits of the claim or until we receive
(e.g., an ATM card, point-of-sale card and/or PIN) we provide you for your accounts. evidence satisfactory to us that the dispute has been resolved. We will not be liable
You should also safeguard your username, password, and other access and for any items that are dishonored as a consequence of placing a hold on funds in
identifying information when accessing your account through a computer or other your account for these reasons.
electronic, audio, or mobile device or technology. If you give anyone authority to DIRECT DEPOSITS - If, in connection with a direct deposit plan, we deposit any
access the account on your behalf, you should exercise caution and ensure the amount in an account which should have been returned to the Federal Government
trustworthiness of that agent. Do not discuss, compare, or share information about for any reason, you authorize us to deduct the amount of our liability to the Federal
your account numbers with anyone unless you are willing to give them full use of Government from the account or from any other account you have with us, without
your money. Checks and electronic withdrawals are processed by automated prior notice and at any time, except as prohibited by law. We may also use any other
methods, and anyone who obtains your account number or access device could use legal remedy to recover the amount of our liability.
it to withdraw money from your account, with or without your permission. OVERDRAFTS/INSUFFICIENT FUNDS - We determine from time to time during
Account numbers - Thieves can encode your account number on a check which each business day whether or not your account contains sufficient available funds to
looks and functions like an authorized check and can be used to withdraw money pay a transaction (i.e., a check, in-person withdrawal, ATM withdrawal, point-of-sale
from your account. Your account number can also be used to issue a “remotely transaction, or any other paper or electronic transaction). You agree to deposit
created check.” Like a typical check, a remotely created check (sometimes called a sufficient funds to cover any overdrafts and related overdraft/insufficient available
telecheck, preauthorized draft or demand draft) is a draft or check that can be used funds fees immediately, and you agree that any overdrafts and related
to withdraw money from your account. Unlike a typical check or draft, however, a overdraft/insufficient available funds fees may be repaid out of any subsequent
remotely created check is not issued by the paying bank and does not contain the deposit to your account or set off against such deposit, including, without limitation,
signature of the account owner (or a signature purported to be the signature of the deposits of Social Security, Supplemental Security Income or other government
account owner). If you have truly authorized the remotely created check (to purchase benefits. You also agree to reimburse us for any losses we incur in collecting any
a service or merchandise, for example), it is properly payable. But it can be risky to overdrafts from you. We are under no obligation to permit overdrafts. Our honoring of
authorize a remotely created check. A swindler could issue a remotely created check one or more overdrafts does not obligate us to honor any future overdrafts, and you
in an amount greater than you authorized, or issue additional remotely created should not rely on us to honor an overdraft even if we have done so in the past. If,
checks that you have not authorized. We will not know if the withdrawal is however, your account has an overdraft line of credit, transactions that would create
unauthorized or in an amount greater than the amount you have authorized. an overdraft on your account may be honored in accordance with our overdraft line of
Payment can be made from your account even though you did not contact us directly credit agreement with you.
and order the payment. A separate disclosure containing specific terms and conditions about our overdraft
Access devices - If you furnish your access device and grant actual authority to protection plans and overdraft fees is available upon request.
make transfers to someone who then exceeds that authority, you will be liable for the RIGHT TO REPAYMENT OF INDEBTEDNESS - You each agree that we may
transfers unless we have been notified that transfers by that person are no longer (without prior notice and when permitted by law) charge against and deduct from this
authorized. Please review the additional information you have received or will receive account any due and payable debt any of you owe us now or in the future. If this
regarding transfers by access device. account is owned by one or more of you as individuals, we may set off any funds in
Blank checks - You must also take precaution in safeguarding your blank checks. the account against a due and payable debt a partnership owes us now or in the
Notify us at once if you think your blank checks have been lost or stolen. As between future, to the extent of your liability as a partner for the partnership debt. If your debt
you and us, if you are negligent in safeguarding your checks, you must bear the loss arises from a promissory note, then the amount of the due and payable debt will be
entirely yourself, or share the loss with us if we failed to use ordinary care which the full amount we have demanded, as entitled under the terms of the note, and this
substantially contributes to the loss. amount may include any portion of the balance for which we have properly
INSTRUCTIONS FROM YOU - Unless required by law or we have agreed otherwise accelerated the due date.
in writing, we are not required to act upon instructions you give us via facsimile In addition to these contract rights, we may also have rights under a “statutory lien.” A
transmission, email, voicemail, or phone call to a facsimile number, email address, or “lien” on property is a creditor’s right to obtain ownership of the property in the event
phone number not designated by us for a particular purpose or for a purpose that is a debtor defaults on a debt. A “statutory lien” is one created by federal or state
unrelated to the request or instruction. statute. If federal or state law provides us with a statutory lien, then we are
CLAIM OF LOSS - The following rules do not apply to a transaction or claim related authorized to apply, without prior notice, your shares and dividends to any debt you
to a consumer electronic fund transfer governed by Regulation E (e.g., an owe us, in accord with the statutory lien.
everyday/one-time consumer debit card or ATM transaction). The error resolution Neither our contract rights nor rights under a statutory lien apply to this account if
procedures for consumer electronic fund transfers can be found in our initial prohibited by law. For example, neither our contract rights nor rights under a statutory
Regulation E disclosure generally titled, "Electronic Fund Transfers." For other lien apply to this account if: (a) it is an Individual Retirement Account or similar tax-
transactions or claims, if you claim a credit or refund because of a forgery, alteration, deferred account, or (b) the debt is created by a consumer credit transaction under a
or any other unauthorized withdrawal, you agree to cooperate with us in the credit card plan (but this does not affect our rights under any consensual security
investigation of the loss, including giving us an affidavit containing whatever interest), or (c) the debtor’s right of withdrawal arises only in a representative
reasonable information we require concerning your account, the transaction, and the capacity. We will not be liable for the dishonor of any check or draft when the
circumstances surrounding the loss. You will notify law enforcement authorities of dishonor occurs because we charge and deduct an amount you owe us from your
any criminal act related to the claim of lost, missing, or stolen checks or unauthorized account. You agree to hold us harmless from any claim arising as a result of our
withdrawals. We will have a reasonable period of time to investigate the facts and exercise of our right to repayment.
circumstances surrounding any claim of loss. Unless we have acted in bad faith, we NO EXEMPTION FROM SET OFF - If any funds in your account are exempt from
will not be liable for special or consequential damages, including loss of profits or execution, levy, attachment, garnishment, seizure, set off or other equitable process
opportunity, or for attorneys’ fees incurred by you. (including but not limitation, any Social Security, Supplemental Security Income,
You agree that you will not waive any rights you have to recover your loss against veterans or other federal or state benefits), as between you and us, you agree to
anyone who is obligated to repay, insure, or otherwise reimburse you for your loss. waive such exemption to the extent permitted by law.
You will pursue your rights or, at our option, assign them to us so that we may pursue REIMBURSEMENT FOR LOSSES - If we take any action to collect your debt or
them. Our liability will be reduced by the amount you recover or are entitled to other amounts you owe us under this Agreement or defend ourselves in a lawsuit
recover from these other sources. brought by you where we are the prevailing party, you agree to reimburse us for our

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losses, to the extent permitted by applicable law. We may charge your account for attainment of the age of majority. For this type of account, the child’s SSN/TIN is
our losses without prior notice to you. used for the Backup Withholding Certification.
WAIVER OF NOTICES - To the extent permitted by law, you waive any notice of L O S T, D E S T R O Y E D, O R S TO L E N C A S H I E R’S C H E C K S, O R M O N E Y
non-payment, dishonor or protest regarding any items credited to or charged against ORDERS - Under some circumstances you may be able to assert a claim for the
your account. For example, if you deposit an item and it is returned unpaid or we amount of a lost, destroyed, or stolen cashier’s check or money order. To assert the
receive a notice of nonpayment, we do not have to notify you unless required by claim: (a) you must be the remitter (or drawer of a certified check) or payee of the
federal Regulation CC or other law. check, (b) we must receive notice from you describing the check with reasonable
ACH AND WIRE TRANSFERS - This agreement is subject to Article 4A of the certainty and asking for payment of the amount of the check, (c) we must receive the
Uniform Commercial Code - Fund Transfers as adopted in the state in which you notice in time for us to have a reasonable opportunity to act on it, and (d) you must
have your account with us. If you originate a fund transfer and you identify by name give us a declaration (in a form we require) of your loss with respect to the check.
and number a beneficiary financial institution, an intermediary financial institution or a You can ask us for a declaration form. Even if all of these conditions are met, your
beneficiary, we and every receiving or beneficiary financial institution may rely on the claim may not be immediately enforceable. We may pay the check until the ninetieth
identifying number to make payment. We may rely on the number even if it identifies day after the date of the check. Therefore, your claim is not enforceable until the
a financial institution, person or account other than the one named. You agree to be ninetieth day after the date of the check or date of acceptance, and the conditions
bound by automated clearing house association rules. These rules provide, among listed above have been met. If we have not already paid the check, on the day your
other things, that payments made to you, or originated by you, are provisional until claim is enforceable we become obligated to pay you the amount of the check. We
final settlement is made through a Federal Reserve Bank or payment is otherwise will pay you in cash or issue another cashier’s check.
made as provided in Article 4A-403(a) of the Uniform Commercial Code. If we do not At our option, we may pay you the amount of the check before your claim becomes
receive such payment, we are entitled to a refund from you in the amount credited to enforceable. However, we will require you to agree to indemnify us for any losses we
your account and the party originating such payment will not be considered to have might suffer. This means that if the check is presented after we pay your claim, and
paid the amount so credited. Credit entries may be made by ACH. If we receive a we pay the check, you are responsible to cover our losses. We may require you to
payment order to credit an account you have with us by wire or ACH, we are not provide a surety bond to assure that you can pay us if we suffer a loss.
required to give you any notice of the payment order or credit. CHANGING ACCOUNT PRODUCTS - We may change your account to another
STALE-DATED CHECKS - We are not obligated to, but may at our option, pay a product offered by us at any time by giving you notice that your account will be
check, other than a certified check, presented for payment more than six months changed to another product on a specified date. If your account is a time account,
after its date. If you do not want us to pay a stale-dated check, you must place a the change will not occur before the next maturity date of your account. If you do not
stop-payment order on the check in the manner we have described elsewhere. close your account before the date specified in the notice, we may change your
NCUA INSURANCE - Funds in your account(s) with us are insured by the National account to that other product on the date specified in the notice.
Credit Union Administration (NCUA) and backed by the full faith and credit of the TRANSACTIONS BY MAIL - You may deposit checks or drafts by mail. You should
United States. The amount of insurance coverage you have depends on the number indorse the item being sent through the mail with the words “For Deposit Only” and
of accounts you have with us that are of different “ownership.” An individual account should include your correct account number underneath to ensure the item is
is one unique form of “ownership”; a joint account, a pay-on-death account, and a credited to the correct account. You should use the pre-encoded deposit slips found
self directed qualified retirement account (e.g., an IRA) are examples of some of the in your checkbook. If you do not use your deposit slip or provide us with instructions
others. Share insurance for a person’s self directed qualified retirement account is up indicating how or where the item should be credited, we may apply it to any account
to $250,000. (An IRA is a self directed qualified retirement account as is any account or any loan balance you have with us or we may return the item to you. Receipts for
where the owner decides where and how to invest the balance.) Funds are insured to such transactions will be mailed to you only if a self-addressed stamped envelope is
$250,000 per depositor for the total of funds combined in all of your other insured provided. Following your deposit, examine your statement carefully or call us to
accounts with us. If you want a more detailed explanation or additional information, ensure that we received the item. Do not send cash through the mail for deposit.
you may ask us or contact the NCUA. You can also visit the NCUA website at TRUNCATION, SUBSTITUTE CHECKS, AND OTHER CHECK IMAGES - If you
www.ncua.gov and click on the Share Insurance link. The link includes detailed truncate an original check and create a substitute check, or other paper or electronic
contact information as well as a share insurance estimator. image of the original check, you warrant that no one will be asked to make payment
CASH TRANSACTION REPORTING - To help law enforcement agencies detect on the original check, a substitute check or any other electronic or paper image, if the
illegal activities, the law requires all financial institutions to gather and report payment obligation relating to the original check has already been paid. You also
information on some types of cash transactions. If the information we need to warrant that any substitute check you create conforms to the legal requirements and
complete the report is not provided, we are required to refuse to handle the generally accepted specifications for substitute checks. You agree to retain the
transaction. If you have any questions regarding these rules, the U.S. Treasury original check in conformance with our policy for retaining original checks. You agree
Financial Crimes Enforcement Network (FinCEN) maintains a frequently asked to indemnify us for any loss we may incur as a result of any truncated check
questions (FAQ) document online. The FAQ also includes additional information for transaction you initiate. We can refuse to accept substitute checks that have not
contacting FinCEN. previously been warranted by a bank or other financial institution in conformance with
BACKUP WITHHOLDING/TIN CERTIFICATION - Federal tax law requires us to the Check 21 Act. Unless specifically stated in a separate agreement between you
report interest payments we make to you of $10 or more in a year, and to include and us, we do not have to accept any other electronic or paper image of an original
your taxpayer identification number (TIN) on the report (the taxpayer identification check.
number is your social security number if you are an individual). Interest includes REMOTELY CREATED CHECKS - Like any standard check or draft, a remotely
dividends, interest and bonus payments for purposes of this rule. Therefore, we created check (sometimes called a telecheck, preauthorized draft or demand draft) is
require you to provide us with your TIN and to certify that it is correct. In some a check or draft that can be used to withdraw money from an account. Unlike a
circumstances, federal law requires us to withhold and pay to the IRS a percentage typical check or draft, however, a remotely created check is not issued by the paying
of the interest that is earned on funds in your accounts. This is known as backup bank and does not contain the signature of the account owner (or a signature
withholding. We will not have to withhold interest payments when you open your purported to be the signature of the account owner). In place of a signature, the
account if you certify your TIN and certify that you are not subject to backup check usually has a statement that the owner authorized the check or has the
withholding due to underreporting of interest. We may subsequently be required to owner’s name typed or printed on the signature line.
begin backup withholding if the IRS informs us that you supplied an incorrect TIN or You warrant and agree to the following for every remotely created check we receive
that you underreported your interest income. Our policy and practice is to not open from you for deposit or collection: (1) you have received express and verifiable
an account without a TIN. authorization to create the check in the amount and to the payee that appears on the
U N C L A I M E D P R O P E R T Y - The law establishes procedures under which check; (2) you will maintain proof of the authorization for at least 2 years from the
unclaimed property must be surrendered to the state. (We may have our own rules date of the authorization, and supply us the proof if we ask; and (3) if a check is
regarding dormant accounts, and if we charge a fee for dormant accounts it will be returned you owe us the amount of the check, regardless of when the check is
disclosed to you elsewhere.) Generally, the funds in your account are considered returned. We may take funds from your account to pay the amount you owe us, and
unclaimed if you have not had any activity or communication with us regarding your if there are insufficient funds in your account, you still owe us the remaining balance.
account over a period of 3 years. Ask us if you want further information about the UNLAWFUL INTERNET GAMBLING NOTICE - Restricted transactions as defined
period of time or type of activity that will prevent your account from being unclaimed. in Federal Reserve Regulation GG are prohibited from being processed through this
If your funds are surrendered to the state, you may be able to reclaim them, but your account or relationship. Restricted transactions generally include, but are not limited
claim must be presented to the state. Once your funds are surrendered, we no longer to, those in which credit, electronic fund transfers, checks, or drafts are knowingly
have any liability or responsibility with respect to the funds. accepted by gambling businesses in connection with the participation by others in
UTMA ACCOUNTS - Under the Uniform Transfers to Minors Act, the funds in the unlawful Internet gambling.
account are owned by the child who has unconditional use of the account when he or INTERNATIONAL ACH TRANSACTIONS - Financial institutions are required by
she reaches the age of majority. Before that time, the account may be accessed only law to scrutinize or verify any international ACH transaction (IAT) that they receive
by the custodian (or successor custodian), and the funds must be used for the against the Specially Designated Nationals (SDN) list of the Office of Foreign Assets
benefit of the child. We, however, have no duty or agreement whatsoever to monitor Control (OFAC). This action may, from time to time, cause us to temporarily suspend
or insure that the acts of the custodian (or successor custodian) are for the child’s processing of an IAT and potentially affect the settlement and/or availability of such
benefit. We are not responsible to monitor age or eligibility for an UTMA account, payments.
even though our records may include the minor’s date of birth. It is the custodian’s FUNDS TRANSFERS - The terms used in this section have the meaning given to
responsibility to properly distribute the funds in the account upon the minor’s death or 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

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you are a consumer, this section will apply to that part of any funds transfer that is Notice of credit - If we receive a payment order to credit an account you have with
conducted by Fedwire. This section is subject to UCC 4A as adopted in the state in us, we are not required to provide you with any notice of the payment order or the
which you have your account with us. This agreement is also subject to all clearing credit.
house association rules, rules of the Board of Governors of the Federal Reserve Provisional credit - You agree to be bound by the automated clearing house
System and their operating circulars. If any part of this agreement is determined to association operating rules that provide that payments made to you or originated by
be unenforceable, the rest of the agreement remains effective. This agreement you by funds transfer through the automated clearing house system are provisional
controls funds transfers unless supplemented or amended in a separate written until final settlement is made through a Federal Reserve Bank or otherwise payment
agreement signed by us. This agreement does not apply to a funds transfer if any is made as provided in Article 4A-403(a) of the Uniform Commercial Code.
part of the transfer is governed by the Electronic Fund Transfer Act of 1978 (EFTA), Refund of credit - You agree that if we do not receive payment of an amount
except this agreement does apply to a funds transfer that is a remittance transfer as credited to your account, we are entitled to a refund from you in the amount credited
defined in EFTA unless the remittance transfer is an electronic fund transfer as and the party originating such payment will not be considered to have paid the
defined in EFTA. amount so credited.
Funds transfer - A funds transfer is the transaction or series of transactions that Amendment of funds transfer agreement - From time to time we may amend any
begin with the originator’s payment order, made for the purpose of making payment term of this agreement by giving you reasonable notice in writing. We may give
to the beneficiary of the order. A funds transfer is completed by the acceptance by notice to anyone who is authorized to send payment orders to us in your name, or to
the beneficiary’s bank of a payment order for the benefit of the beneficiary of the anyone who is authorized to accept service.
originator’s order. You may give us a payment order orally, electronically, or in writing, Cancelation or amendment of payment order - You may cancel or amend a
but your order cannot state any condition to payment to the beneficiary other than the payment order you give us only if we receive the communication of cancelation or
time of payment. Credit entries may be made by ACH. amendment before our cutoff time and in time to have a reasonable opportunity to
Authorized account - An authorized account is a deposit or share account you have act on it before we accept the payment order. The communication of cancelation or
with us that you have designated as a source of payment of payment orders you amendment must be presented in conformity with the same security procedure that
issue to us. If you have not designated an authorized account, any account you have has been agreed to for payment orders.
with us is an authorized account to the extent that payment of the payment order is Intermediaries - We are not liable for the actions of any intermediary, regardless of
not inconsistent with the use of the account. whether or not we selected the intermediary. We are not responsible for acts of God,
Acceptance of your payment order - We are not obligated to accept any payment outside agencies, or nonsalaried agents.
order that you give us, although we normally will accept your payment order if you Limit on liability - You waive any claim you may have against us for consequential
have a withdrawable credit in an authorized account sufficient to cover the order. If or special damages, including loss of profit arising out of a payment order or funds
we do not execute your payment order, but give you notice of our rejection of your transfer, unless this waiver is prohibited by law. We are not responsible for attorney
payment order after the execution date or give you no notice, we are not liable to pay fees you might incur due to erroneous execution of payment order.
you as restitution any interest on a withdrawable credit in a non-interest-bearing Erroneous execution - If we receive an order to pay you, and we erroneously pay
account. you more than the amount of the payment order, we are entitled to recover from you
Cutoff time - If we do not receive your payment order or communication canceling or the amount in excess of the amount of the payment order, regardless of whether you
amending a payment order before our cutoff time on a funds transfer day for that may have some claim to the excess amount against the originator of the order.
type of order or communication, the order or communication will be deemed to be Objection to payment - If we give you a notice that reasonably identifies a payment
received at the opening of our next funds transfer business day. order issued in your name as sender that we have accepted and received payment
Payment of your order - If we accept a payment order you give us, we may receive for, you cannot claim that we are not entitled to retain the payment unless you notify
payment by automatically deducting from any authorized account the amount of the us of your objection to the payment within one year of our notice to you.
payment order plus the amount of any expenses and charges for our services in FACSIMILE SIGNATURES - You authorize us, at any time, to charge you for all
execution of your payment order. We are entitled to payment on the payment or checks, drafts, or other orders, for the payment of money, that are drawn on us
execution date. Unless your payment order specifies otherwise, the payment or regardless of by whom or by what means any facsimile signature may have been
execution date is the funds transfer date we receive the payment order. The funds affixed so long as they resemble the applicable facsimile signature specimen filed
transfer is completed upon acceptance by the beneficiary’s bank. Your obligation to with us, and contain the required number of signatures for this purpose.
pay your payment order is excused if the funds transfer is not completed, but you are
ADDITIONAL INFORMATION - Your account may consist of a transaction sub
still responsible to pay us any expenses and charges for our services. However, if
account and a savings sub account. Funds not routinely needed to pay debts may be
you told us to route the funds transfer through an intermediate bank, and we are
transferred to a savings sub account. We may periodically transfer funds between
unable to obtain a refund because the intermediate bank that you designated has
these two sub accounts. If your account is a plan on which interest is paid, your
suspended payments, then you are still obligated to pay us for the payment order.
interest calculation will remain the same. Otherwise, the savings sub account will be
You will not be entitled to interest on any refund you receive because the
non-interest bearing. The savings sub account will be governed by the rules
beneficiary’s bank does not accept the payment order.
governing our other savings accounts indicated within the Withdrawals Section of the
Security procedure - As described more fully in a separate writing, the authenticity Terms and Conditions of your Account (this document). This process, which is
of a payment order or communication canceling or amending a payment order issued seamless to our members, will not affect your available balance, the interest you may
in your name as sender may be verified by a security procedure. You affirm that you earn, NCUA insurance protection, your monthly statement, or any other features of
have no circumstances which are relevant to the determination of a commercially your account. It will allow us to lower our reserve requirement balance at the Federal
reasonable security procedure unless those circumstances are expressly contained Reserve Bank and increase the amount of funds available for loans and investments,
in a separate writing signed by us. You may choose from one or more security thereby increasing our ability to serve our members.
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 ELECTRONIC FUND TRANSFERS DISCLOSURE
good faith and in compliance with the security procedure you have chosen. Indicated below are types of Electronic Fund Transfers we are capable of
Duty to report unauthorized or erroneous payment - You must exercise ordinary handling, some of which may not apply to your account. Please read this disclosure
care to determine that all payment orders or amendments to payment orders that we carefully because it tells you your rights and obligations for the transactions listed.
accept that are issued in your name are authorized, enforceable, in the correct You should keep this notice for future reference.
amount, to the correct beneficiary, and not otherwise erroneous. If you discover (or Electronic Funds Transfers Initiated By Third Parties - You may authorize a third
with reasonable care should have discovered) an unauthorized, unenforceable, or party to initiate electronic fund transfers between your account and the third party’s
erroneously executed payment order or amendment, you must exercise ordinary account. These transfers to make or receive payment may be one-time occurrences
care to notify us of the relevant facts. The time you have to notify us will depend on or may recur as directed by you. These transfers may use the Automated Clearing
the circumstances, but that time will not in any circumstance exceed 14 days from House (ACH) or other payments network. Your authorization to the third party to
when you are notified of our acceptance or execution of the payment order or make these transfers can occur in a number of ways. For example, your
amendment or that your account was debited with respect to the order or authorization to convert a check or draft to an electronic fund transfer or to
amendment. If you do not provide us with timely notice you will not be entitled to electronically pay a returned check or draft charge can occur when a merchant
interest on any refundable amount. If we can prove that you failed to perform either provides you with notice and you go forward with the transaction (typically, at the
of these duties with respect to an erroneous payment and that we incurred a loss as point of purchase, a merchant will post a sign and print the notice on a receipt). In all
a result of the failure, you are liable to us for the amount of the loss not exceeding cases, these third party transfers will require you to provide the third party with your
the amount of your order. account number and credit union information. This information can be found on your
Identifying number - If your payment order identifies an intermediate bank, check or draft as well as on a deposit or withdrawal slip. Thus, you should only
beneficiary bank, or beneficiary by name and number, we and every receiving or provide your credit union and account information (whether over the phone, the
beneficiary bank may rely upon the identifying number rather than the name to make Internet, or via some other method) to trusted third parties whom you have
payment, even if the number identifies an intermediate bank or person different than authorized to initiate these electronic fund transfers. Examples of these transfers
the bank or beneficiary identified by name. Neither we nor any receiving or include, but are not limited to:
beneficiary bank have any responsibility to determine whether the name and • Preauthorized credits. You may make arrangements for certain direct
identifying number refer to the same financial institution or person. deposits (such as U.S. Treasury (Social Security)) to be accepted into your
Record of oral or telephone orders - You agree that we may, if we choose, record checking or statement savings account(s).
any oral or telephone payment order or communication of amendment or cancelation.

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 • Preauthorized payments. You may make arrangements to pay certain Non-Visa Debit Transaction Processing - We have enabled non-Visa debit
recurring bills from your checking account(s). transaction processing. This means you may use your VISA Debit Card on a PIN-
• Electronic check. You may authorize a merchant or other payee to make a Debit Network* (a non-Visa network) without using a PIN.
one-time electronic payment from your checking account using information The provisions of your agreement with us relating only to Visa transactions are not
from your check to pay for purchases or pay bills. applicable to non-Visa transactions. For example, the additional limits on liability
• Electronic returned check. You may authorize a merchant or other payee to (sometimes referred to as Visa’s zero-liability program) and the streamlined error
initiate an electronic funds transfer to collect a charge in the event a check is resolution procedures offered on Visa debit card transactions are not applicable to
returned for insufficient funds. transactions processed on a PIN-Debit Network.
Electronic Fund Transfers are not permitted on Passbook Share accounts. This *Visa Rules generally define PIN-Debit Network as a non-Visa debit network that
includes but is not limited to any direct deposits, pre-authorized transfers or typically authenticates transactions by use of a personal identification number (PIN)
arrangements to pay recurring bills. but that is not generally known for having a card program.
Telephone Banking Transfers - You may access your account by telephone 24 NCU Online Transfers - You may access your account(s) by computer mobile
hours a day at (401) 233-3100 using your personal identification number, a touch device through the internet by logging onto our website at www.navigantcu.org and
tone phone, and your account numbers, to: using your user ID and your password, to:
• Transfer funds from and to any deposit account (passbooks not allowed, • Transfer funds between your checking and savings account(s)
transfers from club accounts not allowed). • Transfer funds from a Line of Credit to your checking and savings account(s)
• Make payments from any deposit account (passbooks and club accounts not • Make payments from checking or savings account(s) to a loan account(s)
allowed) to loan accounts with us. ATM Operator/Network Fees - When you use an ATM not owned by us, you may be
• Transfer funds from a Line of Credit to a deposit account (passbooks and club charged a fee by the ATM operator or any network used (and you may be charged a
accounts not allowed. fee for a balance inquiry even if you do not complete a fund transfer).
ATM Transfers and Dollar Limitations - You may access your account(s) by ATM DOCUMENTATION
using your ATM Card and personal identification number (PIN) or VISA Debit Card • Terminal transfers. You can get a receipt at the time you make a transfer to or
and personal identification number (PIN), to: from your account using an automated teller machine or point-of-sale terminal.
• Make deposits to any deposit account linked to your ATM/Debit Card. However, you may not get a receipt if the amount of the transfer is $15 or less.
• Get cash withdrawals from any of the deposit accounts linked to the ATM/Debit • Preauthorized Credits - If you have arranged to have direct deposits made to
Card up to $1020.00 per day per card. This is not from each account linked to your account at least once every 60 days from the same person or company,
the ATM/Debit Card. the person or company making the deposit will tell you every time they send us
• Transfer funds from any deposit account linked to your ATM/Debit Card to the money, or you can call us at (401) 233-4700 to find out whether or not the
another account that is linked. deposit has been made.
Some of these services may not be available at all terminals. • Periodic Statements - You will get a monthly account statement from us for
ATM Card Point-of-Sale Transactions and Dollar Limitations - You may access your checking account. If you only have a statement share, individual
your checking account(s) to purchase goods (in person), pay for services (in person), retirement account (IRA), certificate of deposit (CD) and/or money market
get cash from a merchant, if the merchant permits, or from a participating financial account(s), you will get a monthly account statement (unless there are no
institution, and do anything that a participating merchant will accept. You may not transfers in a particular month, then you will get the statement at least
exceed $1,000.00 in transactions per calendar day, per card. quarterly). We do not send account statements for passbook accounts.
VISA Card Issuance - VISA debit cards will be issued using the cardholder's legal PREAUTHORIZED PAYMENTS
name (including the business name, if applicable), as it appears on the government • Right To Stop Payment and Procedure For Doing So - If you have told us in
issued photo identification that is presented and accepted at the time of account advance to make preauthorized recurring payments out of your account, you
opening, subject to any space limitations. can stop any of these payments. Here is how:
VISA Debit Card Point-of-Sale Transactions and Dollar Limitations -You may Call or write us at the telephone number or address listed in this disclosure
access your checking account(s) to purchase goods (in person), pay for services (in in time for us to receive your request 3 business days or more before the
person), get cash from a merchant, if the merchant permits, or from a participating payment is scheduled to be made. If you call, we may also require you to put
financial institution, and do anything that a participating merchant will accept. You your request in writing and get it to us within 14 days after you call.
may not exceed $5,000.00 in transactions per calendar day, per card. Please refer to our separate Consumer Fee Schedule for the amount we
Pre-Authorization Holds - Each time you use your debit card to conduct a purchase will charge you for each stop-payment order you give.
transaction, we may place a hold on a corresponding amount of funds in your • Notice of Varying Amounts - If these preauthorized recurring payments may
designated account until the transaction is posted against your account. During the vary in amount, the person you are going to pay will tell you, 10 days before
hold period, the funds will not be available for you to use and may affect the each payment, when it will be made and how much it will be. (You may choose
availability of funds from your designated account for other transactions. When you instead to get this notice only when the payment would differ by more than a
use your debit card to obtain goods or services at a merchant location, we will place certain amount from the previous payment, or when the amount would fall
a hold on your account for the amount of the pre-authorization request sent by the outside certain limits that you set.)
merchant. These pre-authorization requests may be in amounts different from the • Liability For Failure To Stop Payment of Preauthorized Transfer - If you
total amount of the sales slip. (For example, a gas station typically requests order us to stop one of these payments 3 business days or more before the
authorization in the amount of $1.00. Also, restaurants typically request authorization transfer is scheduled, and we do not do so, we will be liable for your losses or
for 20% more than the price of the meal.) If the pre-authorization request varies from damages.
the amount of the actual transaction, payment of the transaction may not remove the FINANCIAL INSTITUTION’S LIABILITY
pre-authorization hold immediately. We will not be responsible for damages for Liability For Failure To Make Transfers - If we do not complete a transfer to or
wrongful dishonor of an item resulting from a pre-authorization hold immediately. You from your account on time or in the correct amount according to our agreement with
agree not to withdraw, write checks or make point of sale purchases against funds you, we will be liable for your losses or damages. However, there are some
that are needed to pay debit card transactions that have not yet posted against your exceptions. We will not be liable, for instance:
account. (1) If, through no fault of ours, you do not have enough money in your account to
Currency Conversion and International Transactions. When you use your VISA make the transfer.
Debit Card at a merchant that settles in currency other than US dollars, the charge (2) If you have an overdraft line and the transfer would go over the credit limit.
will be converted into the US dollar amount. The currency conversion rate used to
(3) If the automated teller machine where you are making the transfer does not
determine the transaction amount in US dollars is either a rate selected by Visa from
have enough cash.
the range of rates available in wholesale currency markets for the applicable central
(4) If the terminal or system was not working properly and you knew about the
processing date, which rate may vary from the rate Visa itself receives, or the
breakdown when you started the transfer.
government-mandated rate in effect for the applicable central processing date. The
conversion rate in effect on the processing date may differ from the rate in effect on (5) If circumstances beyond our control (such as fire or flood) prevent the
the transaction date or posting date. transfer, despite reasonable precautions that we have taken.
Visa USA charges us a 1% International Service Assessment on all international (6) There may be other exceptions stated in our agreement with you.
transactions regardless of whether there is a currency conversion. We pass this (7) If the money in your account is subject to legal process or other
international transaction fee on to you. An international transaction is a transaction encumbrances restricting the transfer.
where the issuer of the card used is not located in the transaction country. This CONFIDENTIALITY
means an international transaction can occur even though the transaction is made We will disclose information to third parties about your account or the transfers
when you are not in a foreign country. For example, a transaction made online with a you make:
foreign merchant is an international transaction even though made while you are (1) where it is necessary for completing transfers; or
physically in the United States. (2) in order to verify the existence and condition of your account for a third party,
Advisory Against Illegal Use - You agree not to use your card(s) for illegal gambling such as a credit bureau or merchant; or
or other illegal purpose. Display of a payment card logo by, for example, an online (3) in order to comply with government agency or court orders; or
merchant does not necessarily mean that transactions are lawful in all jurisdictions in (4) as explained in our separate Privacy Disclosure.
which the cardholder may be located.

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 (a) Consumer Liability -
UNAUTHORIZED TRANSFERS
FUNDS AVAILABILITY DISCLOSURE
• Generally. Tell us AT ONCE if you believe your card and/or code has been lost Your Ability to Withdraw Funds
or stolen, or if you believe that an electronic fund transfer has been made without This policy statement applies to “transaction” accounts and share savings
your permission using information from your check or draft. Telephoning is the best accounts. Transaction accounts, in general, are accounts which permit an unlimited
way of keeping your possible losses down. You could lose all the money in your number of payments to third persons and an unlimited number of telephone and
account (plus your maximum overdraft line of credit). If you tell us within 2 business preauthorized transfers to other accounts of yours with us. Checking accounts are
days after you learn of the loss or theft of your card and/or code, you can lose no the most common transaction accounts. Feel free to ask us whether any of your
more than $50 if someone used your card and/or code without your permission. other accounts might also be under this policy.
If you do NOT tell us within 2 business days after you learn of the loss or theft of Our policy is to make funds from your check deposits available to you on the next
your card and/or code, and we can prove we could have stopped someone from business day after the day we receive your deposit, with the first $225 available on
using your card and/or code without your permission if you had told us, you could the same business day as the day of your deposit. This includes deposits made in
lose as much as $500. the branch, Mobile Remote Deposit, ATM and received in the mail. Electronic direct
Also, if your statement shows transfers that you did not make, including those deposits will be available on the day we receive the deposit. Cash, wire transfers,
made by card, code or other means, tell us at once. If you do not tell us within 60 and some specified check deposits will also be available before the next business
days after the statement was mailed to you, you may not get back any money you day, as detailed below. Once the funds are available, you can withdraw them in cash
lost after the 60 days if we can prove that we could have stopped someone from and we will use the funds to pay checks that you have written.
taking the money if you had told us in time. Please remember that even after we have made funds available to you, and you
If a good reason (such as a long trip or a hospital stay) kept you from telling us, have withdrawn the funds, you are still responsible for checks you deposit that are
we will extend the time periods. returned to us unpaid and for any other problems involving your deposit.
Additional Limit on Liability for VISA Debit Card. VISA’s Zero Liability policy For determining the availability of your deposits, every day is a business day,
means 100 percent protection for you. VISA’s policy limiting consumer liability for except Saturdays, Sundays, and federal holidays. If you make a deposit before
unauthorized use of a VISA Debit Card is a maximum of $0. VISA’s Zero Liability closing on a business day that we are open, we will consider that day to be the day
policy does not apply to ATM transactions or transactions using a PIN not processed of your deposit. However, if you make a deposit after closing or on a day we are not
on the VISA network. If you notice unauthorized activity on your card, promptly open, we will consider that the deposit was made on the next business day we are
contact us to report it. It is important to continually monitor your monthly statement to open.
identify any unauthorized transactions. Cardholders should always regularly check Same-Day Availability
their monthly statements for transaction accuracy. We may impose greater liability on Funds from the following deposits to your account will be available on the day we
the cardholder for negligence or fraudulent actions of the cardholder, to the extent receive the deposit:
allowed under Regulation E and the Electronic Funds Transfer Act. • Electronic direct deposits;
(b) Contact In Event of Unauthorized Transfer - If you believe your card and/or • U.S. Treasury checks that are payable to you;
code has been lost or stolen, call or write us at the telephone number or address • Wire transfers;
listed in this disclosure. You should also call the number or write to the address listed • Checks drawn on us that are payable to you;
in this disclosure if you believe a transfer has been made using the information from • Cash.
your check or draft without your permission. If you make the deposit in person to one of our employees, funds from the
BUSINESS DAYS following deposits are also available on the day of your deposit:
For purposes of these disclosures, our business days are Monday through • State and local government checks that are payable to you;
Friday. Saturday, Sunday and Federal Holidays are not included. • Cashier’s, certified, and teller’s checks that are payable to you;
ERROR RESOLUTION NOTICE • Federal Reserve Bank checks, Federal Home Loan Bank checks, and postal
In Case of Errors or Questions About Your Electronic Transfers, Call or Write us money orders, if these items are payable to you.
at the telephone number or address listed in this disclosure, as soon as you can, if If you do not make your deposit in person to one of our employees (for example,
you think your statement or receipt is wrong or if you need more information about a if you mail the deposit), funds from these deposits may be available on the same
transfer listed on the statement or receipt. We must hear from you no later than 60 business day we receive your deposit.
days after we sent the FIRST statement on which the problem or error appeared. Other Check Deposits Subject to Next-Day Availability
(1) Tell us your name and account number (if any). The first $225 from a deposit of other checks will be available on the same
(2) Describe the error or the transfer you are unsure about, and explain as business day as the day of your deposit. The remaining funds will be available on the
clearly as you can why you believe it is an error or why you need more next business day after the day of your deposit.
information. For example, if you deposit a check of $700 on a Monday, $225 of the deposit is
(3) Tell us the dollar amount of the suspected error. available immediately. The remaining $475 is available on Tuesday.
If you tell us orally, we may require that you send us your complaint or question in If we cash a check for you that is drawn on another bank, we may withhold the
writing within 10 business days. availability of a corresponding amount of funds that are already in your account.
We will determine whether an error occurred within 10 business days (5 business Those funds will be available at the time funds from the check we cashed would have
days for VISA Debit Card point-of-sale transactions processed by Visa and 20 been available if you had deposited it.
business days if the transfer involved a new account) after we hear from you and will If we accept for deposit a check that is drawn on another bank, we may make
correct any error promptly. If we need more time, however, we may take up to 45 funds from the deposit available for withdrawal immediately but delay your availability
days (90 days if the transfer involved a new account, a point-of-sale transaction, or a to withdraw a corresponding amount of funds that you have on deposit in another
foreign-initiated transfer) to investigate your complaint or question. If we decide to do account with us. The funds in the other account would then not be available for
this, we will credit your account within 10 business days (5 business days for VISA withdrawal until the time periods that are described elsewhere in this disclosure for
Debit Card point-of-sale transactions processed by Visa and 20 business days if the the type of check that you deposited.
transfer involved a new account) for the amount you think is in error, so that you will LONGER DELAYS MAY APPLY
have the use of the money during the time it takes us to complete our investigation. If
Funds you deposit by check may be delayed for a longer period under the
we ask you to put your complaint or question in writing and we do not receive it within
following circumstances:
10 business days, we may not credit your account. Your account is considered a new
• We believe a check you deposit will not be paid;
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. • You deposit checks totaling more than $5,525 on any one day;
We will tell you the results within three business days after completing our • You redeposit a check that has been returned unpaid;
investigation. If we decide that there was no error, we will send you a written • You have overdrawn your account repeatedly in the last six months;
explanation. • There is an emergency, such as failure of computer or communications
You may ask for copies of the documents that we used in our investigation. equipment.
We will notify you if we delay your ability to withdraw funds for any of these
NAVIGANT CREDIT UNION reasons, and we will tell you when the funds will be available. They will generally be
1005 DOUGLAS PIKE available no later than the seventh business day after the day of your deposit.
SMITHFIELD, RHODE ISLAND 02917-1206 SPECIAL RULES FOR NEW ACCOUNTS
Business Days: Monday through Friday If you are a new member, the following special rules may apply during the first 30
Excluding Federal Holidays days your account is open.
Phone: (401) 233-4700 Funds from electronic direct deposits and cash to your account will be available
on the day we receive the deposit. Funds from deposits of wire transfers, and the first
$5,525 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal,
MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST
state and local government checks will be available on 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 fifth business day after the day of your deposit. If your deposit of

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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 business day after
the day of your deposit.
The first $225.00 from a deposit of other checks will be available on the next
business day of your deposit. The remaining funds will be available on the fifth
business day after the day of your deposit.
DEPOSITS AT AUTOMATED TELLER MACHINES
If you make a deposit at an ATM on a business day that we are open prior to 6:00
P.M., we will consider that day to be the date of your deposit. However, if you make a
deposit on a day we are not open, we will consider that the deposit was made on the
next business day we are open. Checks drawn on Navigant Credit Union will be
available on the first business day after the day of deposit if the deposit is made at an
ATM located on our premises.
DEPOSITS MADE BY MOBILE REMOTE DEPOSIT
Mobile Remote Deposits confirmed as received before 4:00 P.M. Eastern Time,
on any day other than Saturday, Sunday or a federal or state holiday, are considered
deposited on that day. Deposits received after 4:00 P.M. Eastern Time, or that are
confirmed as received on Saturday, Sunday or a federal or state holiday, are
considered deposited on the next day on which we are open to the public.
If your deposit is accepted and processed, the first $225 from a Mobile Remote
Deposit will be available on the same business day as the day of your deposit. The
remaining funds will be available on the next business day after the day of your
deposit.
We reserve the right to reject any check image transmitted through our Mobile
Remote Deposit Service, at our discretion, without liability to you, which may delay
your funds availability. We will attempt to notify you by email of any rejected images.

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