1. Membership Eligibility
2. Individial Accounts
3. Joint Accounts
4. POD.Trust Account Designations
5. Accounts for Minors
6. Uniform Transfers/Gifts to Minors Account
7. Agency Designation on an Account
8. Deposit of Funds Requirements
9.Account Access
10.ACH & Wire Transfers
11. Account Rates and Fees
12. Transaction Limitations
13. Certificate Accont
14. Overdrafts
15. Postdated and Staledated Drafts
16. Stop Payment Orders
17. Credit Union Liability
18. Checks or Drafts Presented for Payment in Person
19. Remotely Created Checks or Drafts
20. Pledge/Statutory Lien
21. Legal Process
22. Account Information
23. Notices
24. Taxpayer Identification Numbers and Backup Withholdings
25. Statements
26. Inactive Accounts
27. Special Account Instructions
28. Termination of Account
29. Termination of Membership
30. Death of Account Owner
31. Internet Gambling and Other Illegal Activities
32. Severability
33. Enforcement
34. Governing Law
35. Negative Information Notice
1. General Policy
2. Reservation of Right to Hold
3. Holds on Other Funds
4. Longer Delays May Apply
5. Foreign Checks
1. Share Draft/ Checking Account Fees
2. Other Service Fees
3. Share Value
4. Safe Deposit Boxes
1. EFT Service
2. Transfer Limitations
3. Conditions of EFT Services
4. Fees and Charges
5. Member Liability
6. Right to Receive Documentation
7. Account Information Disclosure
8. Business Days
9. Credit Union Liability for Failure to Make Transfers
10. Notices
11. Billing Errors
12. Termination of EFT Services
13. Governing Law
14. Enforcement
