with us. All subsequent Accounts opened by you and/or subsequent Accounts you are added to as an owner, reflecting any existing “like ownership,” will be governed by this application. Account ownership will be determined by you at the time the Account is opened and/, or owners are added to the Account. The Credit Union will assign account ownership based on your request, which may be accepted in-person, verbally over the phone, via secured message, or online chat. You authorize us to establish one or more Accounts for you or on behalf of third Parties as designated in your Membership Application or in any other application or document you may execute with us (collectively, the "Application"), including without limitation, any Savings Account, Checking Account, Money Market Account, Business or Organization Account, and Certificate Account. By opening or using any such Account, you agree to be bound by the terms of this Agreement whether you are acting in your individual capacity, in a fiduciary capacity, or in your capacity as an officer, agent, or representative of any business entity or organization. If your Account is held for personal, family, or household purposes, you also acknowledge receipt of and agree to be bound by our Truth-In-Savings Account Disclosure, Electronic Funds Transfer Disclosure, and Rate and Fee Schedules as amended from time to time and to conform to our rules, regulations, bylaws, and policies now in effect and as amended or adopted hereafter. In case of any conflict between the terms of this Agreement and the Truth-In-Savings Account Disclosures, Electronic Funds Transfer Disclosure, and Rate and Fee Schedules, the Disclosures and Rate and Fee Schedules will control. The Truth-In-Savings Account Disclosure, Electronic Funds Transfer Disclosures, and Rate and Fee Schedules are incorporated into this Agreement. This Agreement is incorporated into and made a part of any Application you execute or receive in connection with the opening or use of any Account. You authorize us to verify and retain this information. You also understand that when you agree to accept all documents electronically, you confirm that you have the ability to receive documents via the email address you provide, or you may log onto xxxxxx.xxxxxxxxxxxxxxx.xxx to view all documents. You understand and agree it is your obligation to update us when your email address changes or if, for any reason, you are unable to receive or access documents. Changes to This Agreement We m...
with us. These calls and text messages may be made from an automatic telephone dialing system (i.e., an autodialer) or from an artificial or prerecorded voice message system. Additionally, you agree that we may send electronic communication to you at the email addresses you provide to us. You may contact us at any time if you no longer want to receive these communications from us.
with us. In the event of late payment by you overdue amounts shall bear interest at a rate that we shall reasonably determine.
with us. These calls and text messages may be made from an automatic telephone dialing system (i.e., an autodialer) or from an artificial or prerecorded voice message system. Additionally, you agree that we may send electronic communication to you at the email addresses you provide to us. You may contact us at any time if you no longer want to receive these communications from us. ONLINE OR MOBILE SERVICES. If you open an account or obtain a product or service from us using our online or mobile services, we may record your personal information from a scan or a copy of your driver's license or other personal identification card, or we may receive an image or make a copy of your driver's license or other personal identification card. We may store or retain this information to the extent permitted by law.
with us. Please read this carefully and retain it for future reference. If you sign the signature card or open or continue to use the account, you agree to these rules. You will receive a separate schedule of rates, qualifying balances, and fees if they are not included in this document. If you have any questions, please call us. This agreement is subject to applicable federal laws, the laws of the state of Oregon and other applicable rules such as the operating letters of the Federal Reserve Banks and payment processing system rules (except to the extent that this agreement can and does vary such rules or laws). The body of state and federal law that governs our relationship with you, however, is too large and complex to be reproduced here. The purpose of this document is to:
with us. The terms and conditions of your Account Agreements, each as may be amended from time to time, are incorporated into this Agreement by their reference herein. This Agreement amends and supplements the terms and conditions of your Account Agreements as it regards Online Banking and any Online Transactions that may be initiated through Online Banking. Should there be any conflict between the terms and conditions of this Agreement and your Account Agreements, this Agreement shall control to the extent of the inconsistency.
with us. This Agreement covers your rights and responsibilities concerning your account and the rights and responsibilities of Frontwave Credit Union (Frontwave or Credit Union). If any provision of this Agreement is found to be unenforceable according to its terms, all remaining provisions will continue in full force and effect. As used in this Agreement the words "we," "our," "us", “Frontwave” and “Credit Union” mean Frontwave Credit Union and the words "you" and "your" means anyone who signs a signature card, account change card, or any other account opening document, or for whom membership, and/or service requests are approved through the Credit Union’s online authentication process. Unless it would be inconsistent to do so, words and phrases used in this Agreement should be construed so the singular includes the plural and the plural includes the singular. Your account type(s) and ownership features are designated by you on the Membership Signature Card or through Frontwave’s online authentication process. If you sign the signature card or open or continue to have your account with us, you agree to these rules. You will receive a separate schedule of rates, qualifying balances, and Fees and Charges. This Agreement is governed by the bylaws of the Credit Union, federal laws and regulations, California laws and regulations, local clearinghouse rules, as amended from time to time. IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT – To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, if applicable, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.
with us. If you don’t reject this Arbitration Provision, it will be effective as of the date you first enrolled in Online Services.
with us. All information furnished will be used solely in connection with your financial relationship with us.
with us. You agree that we may comply with transfer instructions entered by any person using a Username and password, regardless of the restrictions placed at the account level, i.e., two signatures required. Limitations. Your ability to initiate Bank Transfers may be limited by federal law or by the terms of your deposit agreements with us. Bank Transfers from deposit accounts that are savings or money market deposit accounts are limited as required by federal regulation. You agree that we may, without notice or other obligation to you, refuse to make any Bank Transfer for security reasons or as otherwise expressly provided in this Agreement or your deposit agreements with us.
