Membership and New Account Application

Application for Membership
Fill out this application complete and send to:
Mailing Address: PO Box 5073, Livermore, CA 94551
Fax Number: 925-454-4004
New Membership
Please include photocopies for all
identification used on this application.
Updated Membership
Member Number:
USA PATRIOT ACT NOTICE: To help the government fight 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. When you open an
account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We will also ask to see
your driver’s license or other identifying documents.
Primary Member (PLEASE PRINT – All items must be completed)
First Name
Last Name
Middle Initial
Photo ID Type
Physical Address
City
State
ZIP
ID Number
Mailing Address
City
State
ZIP
Issue State/Country
Home Phone
Tax ID/SSN
Cell Phone
Date of Birth
Email Address
Mother’s Maiden Name
Issue Date
Employer Name
Expiration Date
Occupation
Joint Owner (PLEASE PRINT – All items must be completed)
First Name
Last Name
Middle Initial
Photo ID Type
Physical Address
City
State
ZIP
ID Number
Mailing Address
City
State
ZIP
Issue State/Country
Home Phone
Tax ID/SSN
Cell Phone
Date of Birth
Email Address
Mother’s Maiden Name
Issue Date
Employer Name
Expiration Date
Occupation
Membership Eligibility (I am eligible for membership based on the following)
Union Name:
Local Number:
Family Member:
Relationship:
Phone Number:
I am a Credit Union Employee
Accounts to Open (Check all that apply)
Primary Savings
Share Certificate
Term:
I have included a check in the amount of $
Transfer $
from Membership #
months
Checking Account
Money Market
for the opening deposit(s).
, account #
for the opening deposit(s).
International Transactions
Do you anticipate foreign transaction activity on this membership?
Yes
No
Checking Overdraft Protection (Complete only if opening a checking account)
Instructions: Indicate the number of the account(s) you wish to debit in the event of an overdraft. Transfers are made in increments of
$50 up to the available balance, with an associated fee of $3 per transfer. Transfers made from a Visa account are considered cash
advances and accrue interest from the date the transaction posts. If an overdraft option is not selected, checks may automatically be
returned. Overdrafts are to be covered by transferring funds from:
Overdraft Source 1:
Overdraft Source 2:
I do not want Overdraft Protection at this time
Pay-On-Death Beneficiaries (PLEASE PRINT)
Instructions: Upon the death of the last surviving owner of the account(s) covered by this application, funds will be payable to the
individual(s) named below at the percentage designated. If no percentages are shown, distribution will default to equal division.
Percentages must equal 100%.
%
Full Name (First and Last)
Address (Street, City, State, ZIP)
SSN (If known)
Date of Birth
Full Name (First and Last)
Address (Street, City, State, ZIP)
SSN (If known)
Date of Birth
%
Check here if additional beneficiaries are listed on an attached addendum. Total number of addendums attached to this membership:
Membership Application and Agreement
By completing this application, the undersigned requests new or updated membership in OE Federal Credit Union. I/we agree that this
membership shall be my/our master account. I/we authorize the opening of any requested accounts and have provided the minimum
required deposit(s) for each. I/we agree to abide by the laws and bylaws in all dealings with OE Federal Credit Union. The information
contained in this application is true and complete. You are authorized to check my/our credit history, including verification of information
in this application through the use of consumer reporting agencies. I/we acknowledge receipt of and agree that all of my/our OE Federal
Credit Union accounts will be subject to the Account/Truth in Savings Disclosure and Fee Schedule as amended from time to time. I/we
understand and agree that all sub-accounts opened under this agreement will be established with the same ownership and beneficiaries
as stated on this application. I/we agree that should I/we request to establish a different ownership and/or beneficiaries, I/we understand
that I/we must establish a new master account and sign a new master agreement and documents.
I/we authorize OE Federal Credit Union to call or send a SMS (text) message to me/us at any number I/we provide or at any number at
which OE Federal Credit Union reasonably believes they can contact me/us, including calls to cellular, or similar devices, and including
calls using automated telephone dialing systems and/or prerecorded messages, for any lawful purpose. Numbers I/we provide include
numbers I/we give OE Federal Credit Union and/or numbers from which I/we call OE Federal Credit Union.
By signing below, I/we certify under penalty of perjury that my Taxpayer ID/Social Security Number provided in this application
I/we am/are not subject to backup withholding because: (a) you are exempt from backup withholding, or
is correct and that
(b) you have not been notified by the IRS that you are subject to backup withholding, or (c) the IRS has notified you that you
I/we are subject to backup withholding because I/we have failed to report all
are no longer subject to backup withholding.
interest or dividends on my/our tax return. I/we also certify that I/we am/are a U.S. person (includes U.S. resident alien). The
IRS does not require my consent to any provisions of the application other than the certification to avoid backup withholding.
X
X
Primary Member Signature
Date
Joint Owner Signature
Date
Credit Union Use Only
Processed by:
Primary Member
Joint Owner
Beneficiary
Print
Audited by Membership Officer:
OFAC
OFAC
OFAC
eFunds
Existing Member
eFunds
Existing Member
Existing Member
Credit Union Employee
Credit Union Employee
Beneficiary
OFAC
Existing Member
Clear
250 N. Canyons Pkwy. Livermore, CA 94551
(800) 877-4444 • (925) 454-4000
www.oefcu.org
What You Need to Know about Overdrafts and Overdraft Fees
An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway.
We can cover your overdrafts in two different ways:
1. Through standard overdraft practices that come with your account.
2. Through overdraft protection plans, such as a link to a savings account, which may be less expensive than our
standard overdraft practices. To learn more, ask us about these plans.
This notice details our standard overdraft practices.
What are the Standard Overdraft Practices That Come With My Account?
We do authorize and pay overdrafts for the following types of transactions:


Checks and other transactions made using your checking account number
Automatic bill payments
We do not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below):


ATM transactions
Everyday debit card transactions
We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of
transaction.
If we do not authorize and pay an overdraft, your transaction will be declined.
What Fees Will I Be Charged if OE Federal Credit Union Pays My Overdraft?
Under our standard overdraft practices:


We will charge you a fee of $25 each time we pay an overdraft.
There is no limit to the number of fees we can charge you for overdrawing your account.
What if I Want OE Federal Credit Union to Authorize and Pay Overdrafts on My ATM and Everyday Debit Card
Transactions?
If you also want us to authorize and pay overdrafts on ATM and everyday debit card transactions, call (800) 877-4444,
visit www.oefcu.org, or complete the form below and return it to any branch or mail it to:
OE Federal Credit Union
PO Box 5073
Livermore, CA 94551
I do not want OE Federal Credit Union to authorize and pay overdrafts on my ATM and everyday debit card
transactions.
I do want OE Federal Credit Union to authorize and pay overdrafts on my ATM and everyday debit card
transactions.
Signature:
Date:
Printed Name:
Membership Number: