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Details deposits, withdrawals, checking balance considerations, beneficiary designation, stop payments, amendments and termination, clerical error corrections, notices, statements, account transfers, federal benefit reimbursement, repayment rights, and collection costs. 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....................................................................2  \nAgreement ...............................................................................................2  \nBylaws ......................................................................................................2  \nPar Value ..................................................................................................3  \nLiability ....................................................................................................3  \nBinding Arbitration and Class Action Waiver ..........................................3  \nDeposits ..................................................................................................6  \nWithdrawals .............................................................................................6  \nYour Checking Account Balance .............................................................7  \nOwnership of Account and Beneficiary Designation ..............................8  \nStop Payments ........................................................................................8  \nAmendments and Termination ................................................................9  \nCorrection of Clerical Errors ....................................................................9  \nNotices ....................................................................................................9  \nStatements ............................................................................................ 10  \nAccount Transfer ...................................................................................11  \nReimbursement of Federal Benefit Payments .......................................11  \nRight to Repayment of Indebtedness ...................................................11  \nCollection Costs ..................................................................................... 11  \nRestrictive Legends or Endorsements ...................................................11  \nPayment Order of Items ........................................................................11  \nFacsimile Signatures ..............................................................................12  \nPledges .................................................................................................. 12  \nCheck Processing ..................................................................................12  \nCheck Cashing ...................................................................................... 12  \nUnclaimed Property Notice ...................................................................12  \nMedallion Signature Guarantee ............................................................12  \nEndorsements ....................................................................................... 12  \nDeath or Incompetence ........................................................................13  \nFiduciary Accounts ................................................................................13  \nLegal Actions Affecting Your Account...................................................13  \nAccount Security ...................................................................................14  \nMonitoring and Recording Telephone Calls and Account Communications ..............................................................15  \nClaim of Loss ......................................................................................... 15  \nChanges in Name and Contact Information .........................................15  \nResolving Account Disputes ..................................................................15  \nFunds Transfers ..................................................................................... 15  \nInternational ACH Transactions .....................................","cbCaileoG94tHIBQ","https://ap.wps.com/l/cbCaileoG94tHIBQ","pdf",534985,"English","# Terms and Conditions of Your Account\n## Electronic Fund Transfers Your Rights and Responsibilities\n## Your Ability to Withdraw Funds\n## Substitute Checks and Your Rights\n## Truth-in-Savings Disclosure","[{\"question\":\"What dispute resolution rules apply to the account?\",\"answer\":\"The terms include binding arbitration and a class action waiver for disputes related to the account.\"},{\"question\":\"How are electronic fund transfers handled under the account disclosures?\",\"answer\":\"The document provides “Electronic Fund Transfers—Your Rights and Responsibilities,” describing users’ rights and obligations for such transfers.\"},{\"question\":\"What information is provided about substitute checks and related rights?\",\"answer\":\"A dedicated section explains substitute checks and “your rights,” covering how these check-related processes are treated under the disclosures.\"}]","About Your Credit Union - Brochure 3.75x8HR | PDF"]