Credit Union, Personal Loans, ATM Locator: Missoula, MT: Montana

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PO Box 2668/2000S. Russell#1
Missoula,MT 59806-2668
www.mtedcu.org
(406)728-1034
MEMBERSHIP APPLICATION
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Ownershipand rightsat death specifiedon this agreementwill remainthe same for all subaccountsunlesschangedby separatedocumenl.
RegularShareSavings
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Under penalties of perjury, I Ceftify that: (1) The number shown on this form is my correct taxpayer identification number, (2) I am not subject to backup withholding
because; (a) I am exempt from backup withholding, or (b) I have not been notified by the Internet Revenue Seryice (IRS) that I am supbject to backup withholding as
a result of a failure to report all interest or dividends, or (c) the IRS has notified me that I am no longer subject to backup withholding, and (3) I am a U.S. person
(including a U.S. resident alien).
CertificationInstructions: Cross out item 2 above if you have been notifiedby the IRS that you are currentlysubjectto backupwithholdingbecauseyou have failedto report
all interestand dividendson your tax return. Cross out item 3 and completea W-8 BEN if you are not a U.S. person.
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By signingyou agree to conform to the bylaws, rules regulations and amendments of this credit union. You acknowledgereceipt of the Membership Account Agreement, Funds
Availability Disclosure,Electronic Fund Disclosure,Substltufe Check Disclosure,Truth ln SavrngsDlsc/osure and the Rate and Fee Schedule. By signingyou agree to the
terms and conditionsof each ofthe agreementsldisc/osL/res
applicabletothe accountsandservicese/ected above, which are incorporatedherein by reference thatwhen
opened by mail will be sent after the account is opened, and any amendmentsthe Credit Union makes from time to time which are incorporated herein. You also agree to
subscrlbeloat/easloneshare'Youa|soCertifythattheinformationprovidedonthisapplicationsistrUeandcorrectandyoursignature
types.
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S i g n a t u r e / N a m3e
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M e m b e r s h i pE l i g i b i l i t y
MembershipOfficer:
( R e v4 i 2 8 l 2 0 1 0 )
What You Needto Know about Overdraftsand OverdraftFees
An overdraftoccurswhenyoudo nothaveenoughmoneyin youraccountto covera transaction,
butwe payit
anyway.We can coveryouroverdraftsin twodifferentways:
1. We havestandardoverdraftpracticesthatcomewithyouraccount.
2. We alsoofferoverdraftprotection
olans,suchas a linkto a savingsaccountor to an overdraftlineof
credit,whichmaybe lessexpensive
thanourstandardoverdraftpractices.
To learnmore,ask us
abouttheseplans
What are the standard overdraft practices that come with my account?
We do authorizeand payoverdrafts
for thefollowingtypesof transactions:
o
o
Checksandothertransactions
madeusingyourcheckingaccountnumber
Automaticbillpayments
We do notauthorizeand payoverdraftsfor thefollowingtypesof transactions
unlessyouask us to (see
below):
. ATM transactions
o Everyday
debitcardtransactions
We payoverdrafts
at ourdiscretion,
whichmeanswe do notquarantee
thatwe willalwaysauthorize
and
payanytypeof transaction.
lf we do notauthorizeand payan overdraft,
yourtransaction
willbe declined.
What fees will I be charged if Montana Educators'Credit Union pays my overdraft?
Underour standardoverdraftpractices:
o
o
We willchargeyou a fee of up to $25 eachtimewe payan overdraft.
Thereis no limiton the totalfeeswe canchargeyoufor overdrawing
youraccount.
What if I want Montana Educators'Credit Union to authorize and pay overdrafts on my ATM
and everyday debit card transactions?
lf you also want us to authorizeand pay overdraftson ATM and everydaydebitcardtransactions,
call
406-728-1034
or completethe form below and deliverit to our office-at 2000 S. RussellSte. 1,
Missoula,MT or mailit to PO Box2668,Missoula,MT 59806-2668
or fax it to (a06)721-6i25.
n
n
I do noJwantMontanaEducators'
CreditUnionto authorize
andpayoverdrafts
on myATMand
everyday
debitcardtransactions.
I wantMontanaEducators'
CreditUnionto authorizeand payoverdraftson myATMand
everyday
debitcardtransactions.
PrintedName:
Date:
AccountNumber: