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Retirement accounts are federally insured up to $250,000 by the National Credit Union Administration, a U.S. Government agency.  \nWe do business in accordance with the federal fair housing laws, including the Equal Credit Opportunity Act. SAFE is an Equal Housing Opportunity Lender.  \nText © 2026 Greene & Allison. All rights reserved. Used under license with publisher.  \nTABLE OF CONTENTS  \nINTRODUCTION........................................ 3  \nTERMINOLOGY......................................... 3  \nGENERAL TERMS OF MEMBERSHIP ..................... 4  \nYour Consent to This Handbook  \nAgreement to Arbitrate Disputes on an Individual Basis Our Right to Suspend Access to Your SAFE Credit Union Accounts if You Default on Your Obligations to Us Telephone Contact Consent  \nMembership  \nService Denial and Termination of Membership Member Conduct Policy  \nNon-Transferability of Membership  \nAccount Parties  \nMeeting Your Obligations  \nDocument Delivery and Review—  \nReporting Unauthorized Activity and Other Errors Change of Address  \nMaintaining Account Security  \nRecord Retention  \nOur Responsibility for Following Your Instructions Our Right to Freeze or Block Accounts and Loans and Refuse to Follow Instructions  \nProhibition on Illegal Activity  \nOur Right to Recover What You Owe Us Suspension or Discontinuation of Services Fees and Damages  \nPrivacy and Disclosure of Information Backup Withholding  \nTax Reporting Governing Law and Terms Waiver and Modification Notices  \nGeneral Provisions  \nSAFE CREDIT UNION ACCOUNTS ...................... 16  \nTruth in Savings  \nFederal Account Insurance  \nOwnership of Accounts, Joint Account Ownership, and Pay-on-Death Beneficiaries  \nEscheat/Unclaimed Property  \nDeposits, Withdrawals, Payments, and Transfers Minimum Balance Requirements  \nClosing Accounts  \nProhibition on Pledging Funds Non-Transferability of Accounts  \nChecking Account Terms  \nGoverning Law  \nTransactions  \nCheck Writing  \nStale-Dated Checks  \nPost-Dated Checks  \nStopping Payment  \nLost or Stolen Checks  \nOverdrafts  \nOverdraft Protection Plans  \nStandard Overdraft Practices Including Courtesy Pay  \nACH Representment of NSF Transactions Check 21 and Substitute Checks Preauthorized Drafts  \nFIDUCIARY ACCOUNTS ................................ 24  \nGeneral Terms  \nTerms Specific to Uniform Transfers  \nto Minors Accounts  \nCREDIT UNION OFFICIAL CHECKS ...................... 28  \nWIRE TRANSFERS...................................... 28  \nADDITIONAL SERVICES ................................ 30  \nCo-op Shared Branch Locations  \nFUNDS AVAILABILITY POLICY ......................... 30  \nFEES .................................................. 32  \nELECTRONIC FUNDS TRANSFER (EFT) AGREEMENT AND DISCLOSURE STATEMENT ....................... 32  \nIntroduction  \nDigital Banking Service EFTs  \nVisa® Debit Card and ATM Card EFTs Automated Clearing House (ACH) Services Terms Applicable to All SAFE EFTs  \nWHAT TO TELL US IN CASE OF ANY ERROR OR INQUIRY...............................46  \nHOW TO CONTACT US.................................46  \nSAFE Credit Union | Member Handbook  \nINTRODUCTION  \nThis Member Handbook (“Handbook”) is the agreement governing your membership in SAFE Credit Union (“SAFE,” “Credit Union,” “we,” or “us”) and accounts you open and maintain with us. It is supplemented by your applications for Membership and Accounts, the mostrecent version of SAFE’s Fee Schedule and, for consumer, family, and household accounts, the most recent version of the applicable SAFE Truth in Savings Disclosure. Refer to the sections of this Handbook governing membership and the types of SAFE accounts and services you have. SAFE loans are subject to separate written agreementsand disclosures. Keep this Handbook as well as copies of other account-opening documents you receive w","cbCaiswsMOZ2Ozeb","https://ap.wps.com/l/cbCaiswsMOZ2Ozeb","pdf",630306,46,"English","# INTRODUCTION\n# TERMINOLOGY\n# GENERAL TERMS OF MEMBERSHIP\n## Your Consent to This Handbook\n## Our Right to Suspend Access and Service Termination\n## Membership Conduct and Non-Transferability\n## Meeting Your Obligations and Account Security\n# SAFE CREDIT UNION ACCOUNTS\n## Federal Account Insurance and Ownership\n## Deposits, Withdrawals, and Minimum Balances\n## Checking Account Terms\n# FIDUCIARY ACCOUNTS\n# CREDIT UNION OFFICIAL CHECKS\n# WIRE TRANSFERS\n# ADDITIONAL SERVICES\n# FUNDS AVAILABILITY POLICY\n# FEES\n# ELECTRONIC FUNDS TRANSFER (EFT) AGREEMENT AND DISCLOSURE STATEMENT\n## WHAT TO TELL US IN CASE OF ANY ERROR OR INQUIRY\n# HOW TO CONTACT US","[{\"question\":\"What is the purpose of the SAFE Credit Union Member Handbook?\",\"answer\":\"It governs membership in SAFE Credit Union and the accounts you open and maintain, and it is supplemented by membership applications, the fee schedule, and applicable Truth in Savings disclosures.\"},{\"question\":\"What does the handbook say about disputes?\",\"answer\":\"It includes an agreement to arbitrate disputes on an individual basis, as described in the handbook’s consent provisions.\"},{\"question\":\"How does the handbook address electronic funds transfer errors and inquiries?\",\"answer\":\"It states what to tell SAFE in case of any error or inquiry, within the EFT agreement and disclosure statement section.\"}]","SAFE Credit Union - Member Handbook - Account Agreements and Disclosures | PDF",1789563540]