• Matt Pugh – Chair
• Seth Longcore – Vice Chair
• Sindee Maxwell – Secretary
• Susan Gogola-Pawlak – Treasurer
• Don Hoitenga – Director
• Ron Tyczynski – Director

• Who are they?
  • The Board of Directors are regular members of Tri-Cities Credit Union who have decided to volunteer and dedicate their time to help the credit union. They are responsible for the general direction of the credit union, and they must carry out their duties in good faith in what is believed to be in the best interest of the membership.
• What is their role within the credit union?
  • The Board of Directors approves credit union policies, budgets, and makes decisions that are good for the credit union and for the members, regardless of how the decisions affect their personal situation.
• How often does the Board of Directors meet?
  • The Board of Directors meet at least once a month at a time and place agreed on by the directors.
• What are the different roles of the Board of Directors?
  • Chair – the chair, sometimes referred to as the board president, presides at all meetings of the board and at all meetings of the credit union’s members. They help maintain an effective board, serve as liaison between the rest of the board and management of the credit union.
  • Vice Chair- the vice chair exercises all duties of the chair in his or her absence.
  • Treasurer – provides and maintains full and complete records of the assets and liabilities of the credit union; submits a monthly statement to the board of the credit unions financial condition; and ensures that financial and other reports as required by the National Credit Union Administration are prepared and sent.
  • Secretary – To oversee the preparation, maintenance, and completion of records of all meetings of the members and of the board.
  • Director – a voting member of the board.
• How does one become a member of the Board of Directors?
  • To become a member of the Board of Directors one must be a member of Tri-Cities Credit Union, submit an application for Board of Directors, and be voted onto the board by the membership.
  • To submit an application, please reach out to support@tricu.org for more information.

Tri-Cities Credit Union is committed to safeguarding your information and using it in an appropriate manner. Like nearly all commercial websites, we do gather some administrative information from you as you enter our website. However, we do not gather any personal information unless you submit that information through an online form, or by e-mail. In order to comply fully with Federal, State and NCUA regulations, we have prepared the following Privacy Statement and will provide privacy disclosures and updates when required.

Information We Collect and Store

We do not use cookies. (A “cookie” is a file placed on your hard drive by a website that allows it to monitor your visit, usually without your knowledge.) You can set your browser to warn you when placement of a cookie is requested, allowing you to decide whether or not to accept it.

You control whether or not we collect any of your personal information by choosing, or not choosing to send us that information via an e-mail, or by filling-in and sending us an online form. We do not correlate the personal information that you send us with the information that we automatically gather (listed above), and we do not create or maintain personal profiles based on any personal information that you submit.

We might use the personal information that you submit to us when we respond to your questions or comments. Furthermore, we might store your request for future reference as we seek to improve our Web site, and we might forward your e-mail to someone who is better able to respond to your request.

We do not authorize the release of the personal information that you submit to us to any third party, without your consent, or unless we are required to do so by law.

Children’s Privacy Act

Access to Personal Information

Because we do not generally gather or store personal information regarding who visits our site, we do not have a way for you to access the information that we do gather, nor do we authorize third parties to access that information.

Security of the Information that we do Gather

The information that we gather is stored on the private network of CU*Answers, our web site host.  It is protected by dual redundant firewalls. We do not knowingly supply this information to any outside party unless required to do so by law.

Changes

From time to time, we may change or amend our privacy policy. If we do, we will display a prominent notice of the change on our homepage, www.tricu.org, with a link to the policy, and with the most recent changes highlighted.

Privacy Statement

Your Right to Privacy  – Important information to know.

Notice of Your Financial Privacy Rights. We, our, and us, when used in this notice, mean Tri-Cities Credit Union.

This is our privacy notice for our members.  When we use the words “you” and “your” we mean the following types of members:

All of the consumer members who have a continuing relationship with us, such as:

• Deposit account
• Loan account
• Credit card
• Self-directed Individual Retirement Account where we act as custodian or trustee

We will tell you the sources of nonpublic personal information we collect on our members.  We will tell you what measures we take to secure that information.

We first define some terms.

Nonpublic personal information means information- about you that we collect in connection with providing a financial product or service to you.  Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.

An affiliate is a company we own or control.

A nonaffiliated third party is a company that is not an affiliate of ours.

The Information that We Collect

We collect nonpublic personal information about you from the following sources:

Security Statement

Tri-Cities Credit Union is constantly concerned about our member’s critical information and privacy. With this in mind, we have the following security services installed on our Internet server:

Truth In Savings

Savings Account

Rate Information – The dividend rate and annual percentage yield may change at any time, as determined by the credit union board of directors.

Compounding and crediting – Dividends will be compounded every quarter.  Dividends will be credited to your account every quarter.

Dividend period – For this account type, the dividend period is quarterly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is March 31.  All other dividend periods follow this same pattern of dates.  The dividend declaration date is the last day of the dividend period, and for the example above is March 31.

If you close your account before dividends are paid, you will not receive the accrued dividends.

Minimum balance requirements – The minimum required to open this account is the purchase of a share in the credit union.  Please see the bylaw requirements in the Common Features section for additional information.

You must maintain a minimum daily balance of $100.00 in your account each day to obtain the disclosed annual percentage yield.

Daily balance computation method – Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

Accrual of dividends on noncash deposits – Dividends will begin to accrue on the business day you place noncash items (for example, checks) to your account.

Transaction limitations – During any statement period, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer or telephonic order or instruction.  No more than three of the six transfers may be made by check, draft, debit card (if applicable) or similar order to a third party.  If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the credit union.

Par value of a share – The par value of a share in this account is $5.00.

Checking Account

Minimum balance requirements – No minimum balance requirements apply to this account.

Transaction limitations – No transaction limitations apply to this account unless otherwise stated in the Common Features section.

Youth Savings Account (ages 18 and younger)

Rate Information – The dividend rate and annual percentage yield may change at any time, as determined by the credit union board of directors.

Compounding and crediting – Dividends will be compounded every quarter.  Dividends will be credited to your account every quarter.

Dividend period – For this account type, the dividend period is quarterly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is March 31.  All other dividend periods follow this same pattern of dates.  The dividend declaration date is the last day of the dividend period, and for the example above is March 31.

If you close your account before dividends are paid, you will not receive the accrued dividends.

Minimum balance requirements – No minimum balance requirements apply to this account.

Daily balance computation method – Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

Accrual of dividends on noncash deposits – Dividends will begin to accrue on the business day you place noncash items (for example, checks) to your account.

Transaction limitations – During any statement period, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer or telephonic order or instruction.  No more than three of the six transfers may be made by check, draft, debit card (if applicable) or similar order to a third party.  If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the credit union.

Silver Deposit Account

Rate Information – The interest rate and annual percentage yield may change at any time, as determined by the credit union board of directors.

Compounding and crediting – Interest will be compounded every month.  Interest will be credited to your account every month.

Effect of closing an account – If you close your account before interest is paid, you will not receive the accrued interest.

Minimum balance requirements – You must maintain a minimum daily balance of $1,000.00 in your account each day to obtain the disclosed annual percentage yield.

Daily balance computation method – Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

Accrual of interest on noncash deposits –  Interest will begin to accrue on the business day you place noncash items (for example, checks) to your account.

Transaction limitations – During any statement period, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer or telephonic order or instruction.  No more than three of the six transfers may be made by check, draft, debit card (if applicable) or similar order to a third party.  If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the credit union.

Christmas Club Account

Rate Information – The dividend rate and annual percentage yield may change at any time, as determined by the credit union board of directors.

Compounding and crediting – Dividends will be compounded annually.  Dividends will be credited to your account annually.

Dividend period – For this account type, the dividend period is annualy, for example, the beginning date of the first dividend period of the calendar year is November 1, and the ending date of such dividend period is October 31 of the following year.  All other dividend periods follow this same pattern of dates.  The dividend declaration date is the last day of the dividend period, and for the example above is October 31. If you close your account before dividends are paid, you will not receive the accrued dividends.

Minimum balance requirements – You must maintain a minimum daily balance of $100.00 in your account each day to obtain the disclosed annual percentage yield.

Daily balance computation method – Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

Accrual of dividends on noncash deposits – Dividends will begin to accrue on the business day you place noncash items (for example, checks) to your account.

Transaction limitations – During any statement period, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer or telephonic order or instruction.  No more than three of the six transfers may be made by check, draft, debit card (if applicable) or similar order to a third party.  If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the credit union.

IRA Savings Account

Rate Information – The dividend rate and annual percentage yield may change at any time, as determined by the credit union board of directors.

Compounding and crediting – Dividends will be compounded every quarter.  Dividends will be credited to your account every quarter.

Dividend period – For this account type, the dividend period is quarterly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is March 31.  All other dividend periods follow this same pattern of dates.  The dividend declaration date is the last day of the dividend period, and for the example above is March 31.  If you close your account before dividends are paid, you will not receive the accrued dividends.

Minimum balance requirements – The minimum required to open this account is the purchase of a share in the credit union.  Please see the bylaw requirements in the Common Features section for additional information.  You must maintain a minimum daily balance of $100.00 in your account each day to obtain the disclosed annual percentage yield.

Daily balance computation method – Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

Accrual of dividends on noncash deposits – Dividends will begin to accrue on the business day you place noncash items (for example, checks) to your account.

Transaction limitations – during any statement period, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer or telephonic order or instruction.  No more than three of the six transfers may be made by check, draft, debit card (if applicable) or similar order to a third party.  If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the credit union.

This account is also subject to IRS limitations and penalties.  See your IRA plan disclosure for details.

Common Features

You must complete payment of one share in your savings account as a condition of admission to membership.

Transaction limitation – We reserve the right to at any time require not less than seven days notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D.

Nature of dividends – Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.

National Credit Union Share Insurance Fund – Member accounts in this credit union are federally insured by the National Credit Union Share Insurance Fund.

Please refer to our separate fee schedule for additional information about charges.

Patriot Act

To help the U.S. government fight the funding of terrorism and money laundering activities, Federal law requires all United States Financial Institutions to obtain, verify and record information that identifies each individual or institution that opens an account.

What this means:  When opening an account we will ask for your name, address, date of birth, proof of citizenship, and other identifying information that might be needed.  This information will be used to verify your identity.  As appropriate, we may, at our discretion, as for additional documentation or information.

Terms and Conditions of Your Account

Agreement – This document, along with any other documents we give you pertaining to your account(s), is a contract that establishes rules which control your account(s) with us.  Please read carefully.  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 if they are not included in this document.  If you have any questions, please call us.

This agreement is subject to applicable federal laws and the laws of the state of Michigan (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:

Bylaws

Our bylaws, which we may amend from time to time, establish basic rules about our credit union policies and operations which affect your account and membership.  You may obtain a copy of the bylaws on request.  Our right to require you to give us notice of your intention to withdraw funds from your account is described in the bylaws.  Unless we have agreed otherwise, you are not entitled to receive any original item after it is paid, although you may request that we send you an item(s) or a copy of an item(s).  Dividends are based on current earnings and available earnings of the credit union, after providing for required reserves.

Liability

You agree, for yourself (and the person or entity you represent if you sign as a representative of another) to the terms of this account and the schedule of charges.  You authorize us to deduct these charges directly from the account balance as accrued.  You will pay any additional reasonable charges for services you request which are not covered by this agreement.

Each of you also agrees to be jointly and severally (individually) liable for any account shortage resulting from charges or overdrafts, whether caused by you or another with access to this account.  This liability is due immediately and can be deducted directly from the account balance whenever sufficient funds are available.  You have no right to defer payment of this liability, and you are liable regardless of whether you signed the item or benefited from the charge or overdraft.  This includes liability for our costs to collect the deficit including, to the extent permitted by law, our reasonable attorneys’ fees.

Deposits

We will give only provisional credit until collection is final for any items, other than cash, we accept for deposit (including items drawn “on us”).  Actual credit for deposits of, or payable in, foreign currency will be at the exchange rate in effect on final collection in U.S. dollars.  We are not responsible for transactions by mail or outside depository until we actually record them.  We will treat and record all transactions received after our “daily cutoff time” on a business day we are open, or received on a day we are not open for business as if initiated on the next following business day that we are open.

Withdrawals

Unless clearly indicated otherwise on the account records, any of you, acting alone, who signs in the space designated for signatures on the signature card may withdraw or transfer all or any part of the account balance at any time.  Each of you (until we receive written notice to the contrary) authorizes each other person signing the signature card to endorse any item payable to you or your order for deposit to this account or any other transaction with us.  We may charge your account for a check even though payment was made before the date of the check unless we have received written notice of the postdating in time to have a reasonable opportunity to act.  We may refuse any withdrawal or transfer request which you attempt on forms not approved by us, by any method we do not specifically permit, which is greater in number than the frequency permitted, or which is for an amount greater or less than any withdrawal limitations.  Even if we honor a nonconforming request, we may treat continued abuse of the stated limitations (if any) as your act of closing the account.  We will use the date the transaction is completed by us (as opposed to the date you initiate it) to apply the frequency limitations.  The fact that we may honor withdrawal requests that overdraw the available account balance does not obligate us to do so later.  See the funds availability policy disclosure for information about when you can withdraw funds you deposit.  For those accounts for which our funds availability policy disclosure does not apply, you can ask us when you make a deposit when those funds will be available for withdrawal.

Ownership of Account and Beneficiary Designation

These rules apply to this account depending on the form of ownership and beneficiary designation, if any, specified on the account records.  We reserve the right to refuse some forms of ownership on any or all of our accounts.  We make no representations as to the appropriateness or effect of the ownership and beneficiary designations, except as they determine to whom we pay the account funds.

Individual Account

Joint Account with Survivorship (and not as Tenants in Common)

Joint Account

Revocable Trust Account

Business Account

Stop payment

Telephone transfer

Amendments and Termination

Statements

Account Transfer

Direct Deposit

If in connection with a direct deposit plan, we deposit any amount in an account which should have been returned to the Federal Government for any reason, you authorize us to deduct the amount of our liability to the Federal Government from the account or from any other account you have with us, without prior notice and at any time, except as prohibited by law.  We may also use any other legal remedy to recover the amount of our liability.

Temporary Account Agreement

If this option is selected, this is a temporary account agreement.  Each person who signs in the space designated for signatures on the signature card (except as indicated to the contrary) may transact business on this account.  However, we may at some time in the future restrict or prohibit further use of this account if you fail to comply with the requirements we have imposed within a reasonable time.

Right to repayment of indebtedness

You each agree that we may (without prior notice and when permitted by law) charge against and deduct from this account any due and payable debt owed to us now or in the future, by any of you having the right of withdrawal, to the extent of such persons’ or legal entity’s right to withdraw.  If the debt arises from a note, “any due and payable debt” includes the total amount of which we are entitled to demand payment under the terms of the note at the time we charge the account, including any balance the due date for which we properly accelerate under the note.

In addition to these contract rights, we may also have rights under a “statutory lien.”  A “lien” on the property is a creditor’s right to obtain ownership of the property in the event a debtor defaults on a debt.  A “statutory lien” is one created by federal or state statute.  If federal or state law provides us with a statutory lien, then we are authorized to apply, without prior notice, your shares and dividends to any debt you owe us, in accord with the statutory lien.

Neither our contract rights nor rights under a statutory lien apply to this account if: (a) it is an Individual Retirement Account or other tax-deferred retirement accounts, or (b) the debt is created by a consumer credit transaction under a credit card plan (but this does not affect our rights under any consensual security interest), or (c) the debtor’s right of withdrawal arises only in a representative capacity.  We will not be liable for the dishonor of any check or draft when the dishonor occurs because we charge and deduct an amount you owe us from your account.  You agree to hold us harmless from any claim arising as a result of our exercise of our right to repayment.

Authorized Signer (individual accounts only)

Restrictive legends

We are not required to honor any restrictive legend on checks you write unless we have agreed in writing to the restriction.  Examples of restrictive legends are “must be presented within 90 days” or “not valid for more than $1,000,000.”

Pledges

Unless we agree otherwise in writing, each owner of this account may pledge all or any part of the funds in it for any purpose to which we agree.  Any pledge of this account must first be satisfied before the rights of any surviving account owner or account beneficiary become effective.

ACH and Wire transfers

This agreement is subject to Article 4A of the Uniform Commercial Code – Fund Transfers as adopted in the state in which you have your account with us.  If you originate a fund transfer for which Fedwire is used, and you identify by name and number a beneficiary financial institution, an intermediary financial institution or a beneficiary, we and every receiving or beneficiary financial institution may rely on the identifying number to make payment.  We may rely on the number even if it identifies a financial institution, person or account other than the one named.  You agree to be bound by automated clearing house association rules.  These rules provide, among other things, that payments made to you, or originated by you, are provisional until final settlement is made through a Federal Reserve Bank or payment is otherwise made as provided in Article 4A-403(a) of the Uniform Commercial Code.  If we do not receive such, we are entitled to a refund from you in the amount credited to your account and the party originating such payment will not be considered to have paid the amount so credited.  If we receive a credit to an account you have with us by wire or ACH, we are not required to give you any notice of the payment order or credit.

Facsimile signatures

You authorize us, at any time, to charge you for all checks, drafts, or other orders, for the payment of money, that are drawn on us regardless of by whom or by what means the facsimile signature(s) may have been affixed so long as they resemble the facsimile signature specimen filed with us, and contain the required number of signatures for this purpose.

Electronic Fund Transfers

Your Rights and Responsibilities

• You can purchase goods or pay for services and authorize a merchant or service provider to convert your check or draft into an electronic funds transfer.
• At the time you offer a check or draft to a merchant or service provider, you may be asked to authorized the merchant or service provider to electronically collect a charge in the event the check or draft is returned for insufficient funds.  Paying such a fee electronically is an electronic funds transfer.
• At the time you offer a check or draft to a merchant or service provider, you may be asked to authorized the merchant or service provider to electronically collect a charge in the event the check or draft is returned for insufficient funds.  Paying such a fee electronically is an electronic funds transfer.

Your authorization to make these types of electronic funds transfers may be expressed in writing or implied through the posting of a sign.

Audio Response Telephone Transfers

Types of transfers – You may access your account by telephone 24 hours a day at (888) 278-5799 using your personal identification number, a touch tone phone, and your account numbers, to:

• Transfer funds from checking to checking
• Transfer funds from checking to savings
• Transfer funds from savings to checking
• Transfer funds from savings to savings
• Transfer funds from line of credit to savings
• Transfer funds from line of credit to checking
• Make payments from checking to loan accounts with us
• Make payments from savings to loan accounts with us

Get information about:

• Account balance of checking accounts
• Last 25 transactions on deposits to checking accounts
• Account balance of savings accounts
• Last 25 transactions on deposits to savings accounts

Please also see Limitation on frequency of transfers section regarding limitations that apply to telephone transfers.

Your option to limit cash withdrawals – In addition to dollar amount limitations for withdrawals using your ATM card and Check Card card and/or code that we may establish, you have the option to limit the amount of cash that can be withdrawn by your ATM Card and Check Card card and/or code to $50.00 per day or some other amount acceptable to us.

ATM transfers

Types of transfers, dollar limitations, and charges – You may access your account(s) by ATM card and personal identification number or debit card and personal identification number, to:

• Make deposits to checking or savings account(s) with an ATM card. There is a charge of $1.00 per transaction at non-proprietary ATMs.
• Make deposits to checking or savings account(s) with a debit card. There is a charge of $1.00 per transactions at non-proprietary ATMs.
• Get cash withdrawals from checking or savings account(s) with an ATM card. There is a charge of $1.00 per transactions at non-proprietary ATMs.
• You may withdraw no more than $505.00 per day (offline limit is $205.00 per day)
• Get cash withdrawals from checking or savings account(s) with a debit card there is a charge of $1.00 per transactions at non-proprietary ATMs
• you may withdraw no more than $505.00 per day (offline limit is $205.00 per day)
• Transfer funds from savings to checking account(s) with an ATM card there is a charge of $1.00 per transactions at non-proprietary ATMs
• Transfer funds from savings to checking account(s) with a debit card there is a charge of $1.00 per transactions at non-proprietary ATMs
• Transfer funds from checking to savings account(s) with an ATM card there is a charge of $1.00 per transactions at non-proprietary ATMs
• Transfer funds from checking to savings account(s) with a debit card there is a charge of $1.00 per transactions at non-proprietary ATMs
• Get information about:
  • the account balance of your checking accounts using an ATM card using a debit card there is a charge of $1.00 per transactions at non-proprietary ATMs the account balance of your savings accounts

Some of these services may not be available at all terminals.  Please also see Limitations on frequency of transfers regarding limitations that apply to ATM transfers.

Types of ATM Card Point-of-Sales Transactions – You may access your checking account(s) to purchase goods (in person) and pay for services (in person).

Point-of-Sales Transactions  – dollar limitations

Using your card:

You may not exceed $505.00 in transactions per day, ATM withdrawals included (offline limit is $205.00 per day)

Types of Check Card Point-of-Sale Transactions

You may access your checking account(s) to purchase goods (in person or by phone), pay for services (in person or by phone), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that can be done with a credit card (that a participating merchant will accept with a credit card).

Point-of-Sale Transaction Charges

Using your card:

• The charge for your card (whether or not the card is used in the period) is $15.00 per year

Please also see Limitations on frequency of transfers section regarding limitations that apply to debit card transactions.

Currency Conversion

If you affect a transaction with your Check Card in a currency other than US dollars, MasterCard International Incorporated will convert the charge into a US dollar amount.  MasterCard International will use its currency conversion procedure, which is disclosed to institutions that issue MasterCard cards.  Currently, the conversion rate used by MasterCard International to determine the transaction amount in US dollars for such transaction is generally either a government mandated rate or a wholesale rate determined by MasterCard International for the processing cycle in which the transaction is processed, increased by an adjustment factor established from time to time by MasterCard International.  The currency conversion rate used by MasterCard International on the processing date may differ from the rate that would have been used on the purchase date or cardholder statement posting date.

Advisory Against Illegal Use

You agree not to use your card(s) for illegal gambling or other illegal purposes.  Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located.

Limitations on frequency of transfers

In addition to those limitations on transfers elsewhere described, if any, the following limitations apply:

• During the statement period, you may not make more than six withdrawals or transfers to another credit union account of your or to a third party by means of a preauthorized or automatic transfer of telephonic order or instruction.  No more than three of the six transfers may be made by check, draft, debit card (if applicable), or similar order to a third party.  If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the credit union.

Minimum account balance

• We do not require you to maintain a minimum balance in any account as a condition of using an access device (card or code) to accomplish a transfer.

Fees

• We do not charge for direct deposits to any type of account.
• We do not charge for preauthorized payments from any type of account.

Except as indicated elsewhere, we do not charge for these electronic fund transfers.

ATM Operator/Network Fees – When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

Documentation

• Terminal Transfers – You can get a receipt at the time you make any transfer to or from your account using one of our automated teller machines or point-of-sale terminals.
• Preauthorized credits – If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, you can call us at (616) 842-6320 or you can call our Audio Response Service at (888) 278-5799 to find out whether or not the deposit has been made.
• Periodic Statement – You will get a monthly account statement from us for your checking accounts.  You will get a monthly account statement from us for your savings accounts, unless there are no transfers in a particular month.  In any case, you will get a statement at least annually.

Preauthorized Payments

• Right to stop payment and procedure for doing so.  If you have told us in advance to make regular payments out of your account, you can stop any of these payments.  Here is how:
• Call or write us at the telephone number or address listed in this brochure in time for us to receive your request 3 business days or more before the payment is scheduled to be made.  If you call, we may also require you to put your request in writing and get it to us within 14 days after you call.
• Notice of varying amounts.  If these regular payments may vary in amount, the person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be.  (You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set).
• Liability for failure to stop payment of preauthorized transfer.  If you order us to stop one of these payments 3 business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.

Financial Institution’s Liability

Liability for failure to make transfers.  If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages.  However, there are some exceptions.  We will not be liable, for instance:

(1) If, through no fault of ours, you do not have enough money in your account to make the transfer.
(2) If you have an overdraft line and the transfer would go over the credit limit.
(3) If the automated teller machine where you are making the transfer does not have enough cash.
(4) If the terminal or system was not working properly and you knew about the breakdown when you started the transfer.
(5) If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
(6) There may be other exceptions stated in our agreement with you.

Confidentiality

We will disclose information to third parties about your account or the transfers you make:

(1) When necessary for completing transfers; or
(2) In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or
(3) In order to comply with government agency or court orders; or
(4) As explained in the separate Privacy Disclosure.

Regulatory Authority

If you believe that any provision of the Michigan Electronic Funds Transfer Act has been violated, you should notify Office of Financial and Insurance Services, Credit Union Division, at PO Box 30224, Lansing Michigan 48909.

Unauthorized Transfers

(a) Consumer Liability – Generally, tell us AT ONCE if you believe your card and/or code has been lost or stolen.  Telephoning is the best way of keeping your possible losses down.  You could lose all the money in your account (plus your maximum overdraft line of credit).  If you tell us within 2 business days, you can lose no more than $50 if someone used your card and/or code without your permission.  (If you believe your card and/or code has been lost or stolen, and you tell us within 2 business days after you learn of the loss or theft, you can lose no more than $50 if someone used your card and/or code without your permission).

If you do NOT tell us within 2 business days after you learn of the loss or theft of your card and/or code, and we can prove we could have stopped someone from using your card and/or code without your permission if you had told us, you could lose as much as $500.

Also, if your statement shows transfers that you did not make, tell us at once.  If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.

If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

Additional limits on Liability for Check card, when used for point-of-sale transactions.  You will not be liable for any unauthorized transaction using your Check Card, when used for point-of-sale transactions, if:  (i) you can demonstrate that you have exercised reasonable care in safeguarding your card from the risk of loss or theft, (ii) you have not reported to us two or more incidents of unauthorized use within the prior twelve-month period, and (iii) your account is in good standing.  If any of these conditions are not met, your liability is the lesser of $50 or the amount of money, property, labor, or services obtained by the unauthorized use before notification to us.  “Unauthorized use” means the use of your debit card by a person, other than you, who does not have actual, implied, or apparent authority for such use, and from which you receive no benefit.  This additional limitation on liability does not apply to PIN-based transactions or transactions not processed by MasterCard.

(b) Contact in event of unauthorized transfer.  If you believe your card and/or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call or write us at the telephone number or address listed in this brochure.

Error Resolution

In case of errors or questions about your Electronic Transfers, call or write us at the telephone number or address listed in this disclosure, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt.  We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

(1) Tell us your name and account number (if any).
(2) Describe the error or the transfer you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information.
(3) Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.

We will determine whether an error occurred within 10 business days (20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly.  If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question.  If we decide to do this, we will transfer credit your account within 10 business days (20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation.  If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account.  Your account is considered a new account for the first 30 days after the first deposit is made unless each of you already has an established account with us before this account is opened.

We will tell you the results within three business days after completing our investigation.  If we decide that there was no error, we will send you a written explanation.

You may ask for copies of the documents that we used in our investigation.

Tri-Cities Credit Union
905 Pennoyer
Grand Haven, Mi  49417
Business Days:  Monday through Friday, excluding federal holidays
Phone:  (616) 842-6320

More detailed information is available upon request.

Equal Housing Lender

We do business in accordance with Federal Fair Lending Laws.

Under the Federal Fair Housing Act, it is illegal, on the basis of race, color, national origin, religion, sex, handicap, or familial status (having children under the age of 18), to:

• Deny a loan for the purpose of purchasing, constructing, improving, repairing or maintaining a dwelling, or deny any loan secured by a dwelling; or
• Discriminate in fixing the amount, interest rate, duration, application procedures or other terms or conditions of such a loan, or in appraising property.

If you believe you have been discriminated against, you should send a complaint to:

Assistant Secretary for Fair Housing and Equal Opportunity
Department of Housing & Urban Development
Washington, DC  20410

For processing under the Federal Fair Housing Act and to:

National Credit Union Administration
Office of Examination and Insurance
Alexandria, VA  22314-3428

For processing under NCUA Regulations.

Under the Equal Credit Opportunity Act, it is illegal to discriminate in any credit transaction:

• On the basis of race, color, national origin, religion, sex, marital status, or age,
• Because of income is from public assistance, or
• Because a right was exercised under the Consumer Credit Protection Act.

If you believe you have been discriminated against, you should send a complaint to:

National Credit Union Administration
Office of Examination and Insurance
Alexandria, VA  22314-3428