Important Disclosures

Important Information about procedures for opening a new account

To help the government fight the 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. In addition on legal entity accounts, we will require identification on beneficial owners and controlling person.

What this means for you: 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.

Before using any webpages or information contained herein or linked hereto, you should carefully read the following disclaimers and important terms and conditions. The site is provided for information purposes only. Your use of the site constitutes your agreement to all terms and conditions herein. If you do not agree to the terms and conditions below, do not access this site or any web pages therein.

Limited License

Rio Grande Credit Union grants you a non-exclusive, non-transferable, limited license to access, use and display the site and the information, graphics, content and materials thereon. You acknowledge and agree that the site and the content are protected by copyrights, trademarks, service marks, patents or other proprietary rights and laws and are provided only for your personal, non-commercial use. You are also granted a limited license to print copies of any content posted at the site, but only for your personal, non-commercial use. Except as expressly provided above, all rights are reserved. You may not display the site, or any portion thereof, in frames (or any of the content via on-line links) without the express written permission of Rio Grande Credit Union.

Trademarks

Rio Grande Credit Union is a registered trademark. Rio Grande Credit Union also claims rights in certain other trademarks and service marks contained and displayed in the site. Use of any of Rio Grande Credit Union’s trademarks or service marks without prior written consent is strictly prohibited.

Use of Information and Materials

The information and materials provided at the site are subject to change without notice. The information provided at the Rio Grande Credit Union website is for informational purposes only and is not intended to provide specific financial, tax, accounting or legal advice.

Disclaimers

Rio Grande Credit Union is not responsible for any inaccuracies, errors (including typographical errors) or omissions, or for the results obtained from the use of the site or the content. The site, all content, links and any of the services included in or available through the site are provided "as is" and "as available", with no guarantee of completeness, accuracy (either when posted or with the passage of time), timeliness or of the results obtained therefrom, and without warranty of any kind, express or implied, including, but not limited to warranties of title, non-infringement, performance, merchantability and fitness for a particular purpose or use. In addition, Rio Grande Credit Union makes no representations, warranties or guarantees that the site will be secure, accessible continuously and without interruption, or error free. You agree that under no circumstance will Rio Grande Credit Union or our agents, officers or employees thereof be responsible for or liable to you or anyone else for: any content contained on or omitted from the site; any person's reliance on any such content, whether or not the content is complete, current or correct; any viruses or defects that may be found to exist in the site; the consequences of any decision you or any other person takes or fails to take whether or not based on content provided by or resulting from use of the site. The content, and any advice received via the site, is not intended, and should not be relied upon, for personal, legal, tax or financial decisions and you should consult an appropriate professional for specific advice tailored to your situation. If you are dissatisfied with any portion of the site, or with any of these terms of use, your sole and exclusive remedy is to discontinue using the site.

Limit on Damages

Rio Grande Credit Union and our agents, officers or employees shall not be liable for any loss of profits, loss of use, loss of data, interruption of business, nor for indirect, special, incidental, consequential or exemplary damages of any kind, whether under this agreement or otherwise arising in any way in connection with or related to the site, any software used to access the site, any of the services available through the site or the content, your reliance on, use of or inability to use the site, or any error, omission, interruption, or delay in operation, or any computer virus or system failure, regardless of whether such claim arises under any theory of tort, contract, strict liability or otherwise and regardless of whether Rio Grande Credit Union is advised of the possibility of any such damages. Some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, so the above exclusion or limitation may not apply to you.

Links to External or Third-Party Sites

As a convenience to you, Rio Grande Credit Union may provide links to web sites operated by entities other than Rio Grande Credit Union. While these businesses may have a relationship with Rio Grande to provide products or services to our members, they are not under our direct control. If you use a linked site, you will leave the Rio Grande Credit Union site. You use such a site at your own risk, and it is your responsibility to take all protective measures to guard against viruses or other destructive elements and understand the privacy policies of the linked site visited. Rio Grande Credit Union makes no warranty or representation regarding and does not endorse nor is it responsible for any linked site, the information appearing thereon or any of the products or services described at the linked site. Please note that a linked site may have a privacy policy different from Rio Grande Credit Union and it may provide less security than a Rio Grande Credit Union site. By providing a link to a site, Rio Grande Credit Union does not imply that it endorses, is affiliated with, or is legally authorized to use any trademark, trade name, logo or copyright symbol displayed in or accessible through the link, or that any linked site is authorized to use any trademark, trade name, logo or copyright symbol of Rio Grande Credit Union.

Submissions

All information you submit to Rio Grande Credit Union via the site will be considered to be the property of Rio Grande Credit Union, and Rio Grande Credit Union is free to utilize any information you submit for any purpose, subject to the privacy policy of Rio Grande Credit Union. Personal information contained in e-mail sent by members and non-members may be used by Rio Grande staff to answer questions, to follow up on suggestions or complaints, or to improve the level of service Rio Grande provides. Please be advised that e-mail may not be secure against interception by unauthorized individuals. Therefore, if you wish to communicate sensitive or personal information, you may want to use our Secure email within Online Banking.

Indemnity

You agree to indemnify Rio Grande Credit Union and its directors, officers and employees against any liabilities, losses, expenses or other costs Rio Grande Credit Union incurs arising from a breach of any of the terms hereof by you and for the content of any message sent using email.

Suspension and Termination

Rio Grande Credit Union may modify, terminate and/or suspend your access to the site, the related services or any portion thereof at any time, without notice. Rio Grande Credit Union may also impose limits on certain features and services or restrict your access to parts or the whole site without notice or liability. Rio Grande Credit Union may also, at any time, discontinue providing the site, or any part thereof, with or without notice.

Amendments and Modifications

Rio Grande Credit Union reserves the right to change, modify, add or remove any portion of this agreement in whole or in part, at any time, by posting the amended terms on the site. The new terms shall automatically be effective at the time of posting. It is strongly recommended that you review the web site terms and conditions each time you use the site, and your use of the site will be subject to the web site terms and conditions posted at the time of that use. Your use of that site after the posting will be considered acceptance of any changes to the web site terms and conditions.

Governing Law

This agreement is governed by the laws of the State Of New Mexico, U.S.A., without regard to its principles of conflict of laws. The site is not intended for distribution to, or use by, any person or entity, or any jurisdiction or country where such distribution or use would be contrary to local law or regulation, would subject Rio Grande Credit Union to any liability or would not give effect to all of the provisions of this agreement. You may not access the site or the content where such access is illegal or prohibited or where such access would subject Rio Grande Credit Union or any affiliates to any liability.

Use for Illegal or Prohibited Activities

It is prohibited to use the site in violation of the terms of this agreement, in any manner which could damage, disable, interrupt, overburden, or impair the site or interfere with any other party's use and enjoyment of the site or for any illegal activities. Illegal activities include, but are not limited to, tampering with information data bases and software, unauthorized entry to other networks or computers, trafficking in illegal products or substances, disobeying trade restrictions, violating civil rights laws or knowledgeable vandalism or destruction of online files. You agree to comply with all applicable laws, rules and regulations regarding your use of the site, which regulate the distribution of materials and services originating in the United States of America.

Agreement to Arbitrate

All disputes relating to this agreement, use of the site, or any information or services provided on the site, shall be subject to final and binding arbitration, with the losing party paying all the costs of arbitration. Any arbitration relating to this agreement shall be held in the County of Bernalillo, State of New Mexico, under the rules of the American Arbitration Association.

Complete Agreement

This agreement constitutes the entire agreement between you and Rio Grande Credit Union relating to your access and use of the site. Rio Grande Credit Union’s failure to insist at any time upon strict compliance with any term of this agreement, or any delay or failure on Rio Grande Credit Union's part to exercise any power or right given to Rio Grande Credit Union in this agreement, shall at no time operate as a waiver of such power or right. Any rights and powers given to Rio Grande Credit Union in this agreement are not exclusive, and Rio Grande Credit Union may exercise any other powers or rights which it has in law or in equity. The rights of Rio Grande Credit Union may be exercised cumulatively, or separately, as Rio Grande Credit Union may choose. The use of any captions in this agreement are for convenience only. If any portion of this agreement is deemed to be invalid or unenforceable, then the balance of the agreement shall remain enforceable, and the unenforceable portion of the agreement shall be read in such a way that it is enforceable.

Privacy

Rio Grande Credit Union is committed to protecting the privacy of its members and other users of its Web site. The privacy policy of Rio Grande Credit Union is available for review here. The following data is collected when viewing our sites:

General Web Site Pages - Rio Grande Credit Union utilizes analytics and tracking methods through Google to remarket and target specific audiences through advertising online. Third-party vendors, including Google, show Rio Grande Credit Union’s ads on sites across the Internet. Third-party vendors, including Google, use cookies to serve ads based on someone's past visits to the Rio Grande Credit Union website. Information about how you can opt out of Google's use of cookies by visiting Google’s Ads Preferences Manager.

Cookies - RGCU uses cookies to improve our website, enhance your experience, and deliver relevant messages and offers about our products. Information on the use of this cookies on this site is provided in our Cookie Notice.

Applications and Forms - Only business-related information is requested on any Rio Grande online application. This information is used only for review of qualifications for the loan, account, or service for which you are applying. Any information gathered during member application is not given or sold to third parties.

By sending or posting a message on any feedback form on the Rio Grande Credit Union website, you agree to have it along with your name posted for public viewing both here and in other Rio Grande Credit Union promotional and advertising materials without compensation. All messages that are posted here represent the ideas or opinions of Rio Grande Credit Union Web Site users and do not represent the ideas or opinions of Rio Grande Credit Union. You may copy them as much as you’d like for personal use, but redistribution in any way requires the permission of Rio Grande Credit Union. In consideration of this authorization, you agree that any copy of this information, which you make, shall retain all copyright and other proprietary notices contained herein.

Online Banking, e-Statements & eNotices and Mobile Banking

Personal identifying information, excluding passwords, is collected when a member logs on to Online Banking, eStatements & eNotices, Online Bill Pay, and Mobile Banking. This information enables Rio Grande to regulate entry and to measure member usage. Any personal identifying information gathered during member registration is not sold to third parties. Our systems are secure and require access from a browser that supports 128-bit encryption. More information about Online Banking and Online Banking Security.

ELECTRONIC SIGNATURES IN GLOBAL AND NATIONAL COMMERCE ACT (ESIGN) AGREEMENT

Summary

Here at Rio Grande Credit Union, we want to provide you with as many convenient options as possible. One convenience is the electronic delivery of disclosures, transactions, form submissions, and account requests. We are required by law to provide certain documents to you at certain times. You are entitled to receive these documents “in writing,” and we also have the ability to provide them electronically with your prior consent.

In this consent:

• “We,” “us,” “our,” “RGCU” and “Rio Grande” means Rio Grande Credit Union.
• “You” and “your” means the person giving this consent, and also each additional account owner, authorized signer, authorized representative, delegate, product owner and/or service user identified on any Rio Grande Product that you apply for, use or access.
• “Communications” means each disclosure, notice, agreement, fee schedule, statement, record, document and other information we provide to you, or that you sign or submit or agree to at our request.
• “Electronic Service” means each and every product and service we offer that you apply for, use, administer or access using the Internet, a website, email, messaging services (including text messaging) and/or software applications (including applications for mobile or hand-held devices), either now or in the future.
• “Rio Grande Product” means each and every account, product or service we offer that you apply for, own, use, administer or access, either now or in the future. Rio Grande Products include Electronic Services.
• The words “include” and “including,” when used at the beginning of a list of one or more items, indicates that the list contains examples – the list is not exclusive or exhaustive, and the items in the list are only illustrations. They are not the only possible items that could appear in the list.

Your Consent to Use Electronic Records and Signatures

In our sole discretion, the Communications we provide to you, or that you sign or agree to at our request, may be in electronic form (“Electronic Records”). We may also use electronic signatures and obtain them from you as part of our transactions with you. Electronic Records may be delivered to you in a variety of ways.

Sometimes the law, or our agreement with you, requires you to give us a written notice. You must still provide these notices to us on paper, unless we specifically tell you in another Communication how you may deliver that notice to us electronically.

There are certain Communications that by law we are not permitted to deliver to you electronically, even with your consent. So long as required by law, we will continue to deliver those Communications to you in writing. However, if the law changes in the future and permits any of those Communications to be delivered as Electronic Records, this consent will automatically cover those Communications as well.

Right to Receive Paper Copies of Documents

If we provide Electronic Records to you, and you want a paper copy, you may contact the appropriate member service unit and request a paper version. You will find the appropriate contact information in the account statement or agreement for the Rio Grande Product related to the Electronic Record. You may have to pay a fee for the paper copy unless charging a fee is prohibited by applicable law. Please refer to the applicable agreement for any fee that may apply for paper copies.

Consent Coverage; Privacy Policy

Your consent covers all Communications relating to any Rio Grande Product. Your consent remains in effect until you give us notice that you are withdrawing it.

From time to time, you may seek to obtain a new Rio Grande Product from us. When you do, we may remind you that you have already given us your consent to use Electronic Records and signatures. If you decide not to use Electronic Records and signatures in connection with the new product or service, your decision does not mean you have withdrawn this consent for any other Rio Grande Product.

You agree that we may satisfy our obligation to provide you with a periodic copy of our Privacy Policy by keeping it available for review on www.RioGrandeCU.org, or, with prior notice to you, on another website where we offer Electronic Services.

You May Withdraw Your Consent

You have the right to withdraw your consent at any time. Please be aware, however, that withdrawal of consent may result in the termination of:

• Your access to our Electronic Services, including online banking, and
• Your ability to use certain Rio Grande Products.

Your withdrawal of consent will become effective after we have had a reasonable opportunity to act upon it.

If you are receiving online account statements, the termination will cause paper statements to be mailed to you via the U.S. Postal Service or other courier. Depending on the specific Rio Grande Product, if you withdraw consent we may charge higher or additional fees for that product or for services related to it. Please refer to the applicable agreement for any fee that may apply.

To withdraw your consent, contact us at 505-262-1401 or contact us by mail:

Rio Grande Credit Union
301 Rio Bravo Blvd. SE
Albuquerque, NM 87105

You Must Keep Your Email or Electronic Address Current

You must promptly notify us of any change in your email or other electronic address. You may change the email address on record for you by going online or contacting us at 505-262-1401. There may be other special Rio Grande Products for which we provide separate instructions to update your email or other electronic address.

Hardware and Software Requirements

To receive Electronic Records, you must have access to:

• Up-to-date version of an Internet browser we support, or if accessing your Account through our mobile applications, one of the following operating systems: Apple iOS 6.0 or later or Android OS 2.3 or later;
• An up-to-date device or devices suitable for connecting to the Internet or for downloading our mobile applications or accessing our mobile websites;
• A current version of a program that accurately reads and displays PDF files (such as Adobe Acrobat Reader); and
• A computer and an operating system capable of supporting all of the above. You will also need a printer if you wish to print out and retain records on paper, and electronic storage if you wish to retain records in electronic form.

You must also have an active email address.

In some cases, you may also need a specific brand or type of device that can support a particular software application, including an application intended for particular mobile or handheld devices. We reserve the right to discontinue support of a current version of software if, in our sole opinion, it suffers from a security flaw or other flaw that makes it unsuitable for use with Online Banking.

Changes to Hardware and Software Requirements

If our hardware or software requirements change, and that change would create a material risk that you would not be able to access or retain your Electronic Records, we will give you notice of the revised hardware or software requirements. Continuing to use Electronic Services after receiving notice of the change is reaffirmation of your consent.

By providing your consent, you are also confirming that you have the hardware and software described above, that you are able to receive and review electronic records and that you have an active email account. You are also confirming that you are authorized to, and do, consent on behalf of all the other account owners, authorized signers, authorized representatives, delegates, product owners and/or service users identified with your Rio Grande Products.

Rio Grande Credit Union (RGCU) has active sites on many social media platforms including Facebook, Twitter, Instagram, LinkedIn, Pinterest and YouTube. Since RGCU operates in a highly regulated industry, there are things we can do, and things we can't.

Social media pages are public. That means your posts, responses and tags can be seen by anyone and may even appear in search-engine results (like through Google or Bing). Necessity may compel RGCU to remove posts when possible when they are distasteful, misleading, offensive, contain private information, or other reasons that aren't in RGCU's community guidelines.

RGCU is not responsible for viewpoints expressed through RGCU's social media platforms other than those posted by the credit union. RGCU will not respond to service or account-specific requests through social media channels. If you are a member with a specific question about an account with RGCU, please contact the credit union through normal business channels. If, through RGCU's monitoring of credit union social media channels, individuals seeking assistance with account-related issues, the credit union will attempt to reach the individual offline if possible in an effort to assist.

When visiting RGCU's social media channels, please:

• Use courtesy and be respectful of others
• Do not submit content that you know to be fraudulent
• Do not post copyrighted work unless you have permission
• DO NOT post personal, identifying or confidential information

RGCU will NEVER request private or financially-sensitive information through any social media channel. You should NEVER disclose personal information such as account usernames and numbers, passwords, pins, social security numbers, or account details through social media. RGCU will occasionally post names of winners of giveaways, contests, or other promotions with prior consent.

RGCU will not knowingly solicit or accept comments from individuals under the age of 13. RGCU does not knowingly solicit or collect personal data from children or market to children online. Protecting children's identities and online privacy is important and, ultimately, that responsibility rests with parents or guardians of the child. Any posts and comments known to have been originated by individuals under the age of 13 will be removed if the platform allows such removal.

Posts or comments made on any of RGCU's social media channels by RGCU employees are made so from personal social media accounts and are not endorsed by RGCU unless they are an authorized representative of the credit union. All statements, viewpoints and comments expressed in and RGCU social media platform are those of the commenter alone, and do not constitute an official position of RGCU unless they are posted by an authorized representative of the credit union.

Moderation Procedure

RGCU monitors and moderates credit union social media pages. All comments and posts are reviewed to ensure they follow credit union guidelines. RGCU will delete comments or posts that deemed are abusive, inflammatory or inappropriate whenever possible. 

• Do not post or transmit material you do not have the right to post or transmit under law (such as copyright, trade secrets or securities) or due to your personal contractual or fiduciary relationships.
• RGCU's social media pages may not be used for the submission of any claim, demand, informal or formal complaint, or any other form of legal and/or administrative notice or process, or for the exhaustion of any legal and/or administrative remedy.
• RGCU's social media pages are not to be used to report phishing or criminal activity. Suspicious e-mails should be forwarded to abuse@riograndecu.org.

RGCU reserves the right to ban any user from RGCU's social media pages, whenever possible, without prior written notice or consent for violations of these guidelines, or report such offenders to the social media sites. Any comment(s) posted which RGCU deems to be criminal in nature, or instigates or implies violence toward oneself or another may be reported to the proper authorities.

Though RGCU attempts to respond to posts and comments, no guarantee will be made of a response or reply.

RGCU will delete comments or posts, if possible, that are deemed to be:

• Profane, obscene, inappropriate, disruptive or unrelated.
• Indecent, sexually explicit or pornographic material of any kind — including masked profanity where symbols, initials, intentional misspellings or other characters are used to suggest profane language.
• Threats; personal attacks; abusive, defamatory, derogatory, or inflammatory language; or stalking or harassment of any individual, entity or organization.
• Discriminatory or that contain hateful speech of any kind regarding age, gender, race, religion, nationality, sexual orientation or disability.
• False, inaccurate, libelous or otherwise misleading in any way.
• Spam, or containing or linking to any kind of virus, malware, spyware, or similar program that could cause harm to a user's computer.
• All posts and comments known to have been originated by individuals under the age of 13.
• Comments that we deem to be off topic, including solicitations, and identical posts by the same user or multiple users (a group of people sending identical messages or one person submitting under different aliases). 

Media Inquiries

If you are a member of the media, please visit our Press Page for more information and press contacts.

Copyright and Intellectual Property

Infringement on any party's copyright, patent, trademark, trade secret, intellectual property, or other proprietary rights, or right of publicity or privacy is strictly prohibited and is your sole responsibility.

By submitting any content to RGCU's social media pages, you warrant and represent that you are the copyright owner of the content or that the copyright owner of the content has granted you permission to use such content consistent with the manner and purpose of your use.

Using our sites to distribute unauthorized copies of copyrighted material, including photos, artwork, text, recordings, designs, computer programs, or derivative works of such programs is strictly prohibited and subject to removal.

Please note that by posting comments, posts, tagged photos, videos, ideas, or any other content on any RGCU social media page, you are granting Rio Grande Credit Union nonexclusive, worldwide rights to republish, redistribute, or otherwise use this content in perpetuity in any way. This includes, but is not limited to, marketing and advertising materials.

Links to Third-Party Sites

RGCU may occasionally post links to external sites owned by other organizations which are considered potentially useful to credit union members and/or to our community. While these businesses may have a relationship with RGCU to help provide products or services, they are not under the direct control of RGCU. Therefore, RGCU is not responsible for the product, service, website content, security or privacy policies on any external third-party sites.

Privacy and Security Policies

With respect to content collected through social media sites, RGCU acknowledges and complies with the privacy policies of each social media platform. When visiting any official RGCU site, you are also subject to the Terms and Conditions of RGCU’s privacy policy and general terms of use, as well as Terms of Service and privacy policies of each social media site. To protect your privacy and the privacy of others, please do not include personally identifiable information such as Social Security numbers, account numbers, phone numbers or e-mail addresses in any comment or post. If you do include personally identifiable information in your comment, your comment or post will be deleted if possible. RGCU does not solicit and cannot accept comments from individuals under the age of 13. RGCU does not knowingly solicit or collect personal data from children, and do not knowingly market to children online. Children's identities and online privacy is important and that responsibility, ultimately, rests with the parents or guardians. All posts and comments known to have been originated by individuals under the age of 13 will be removed if possible.

Rio Grande Credit Union reserves the right to change these guidelines at any time at its sole discretion.

IN CASE OF ERRORS OR IF YOU HAVE QUESTIONS ABOUT ELECTRONIC TRANSFERS. Telephone Us at the telephone number shown in this Agreement, or write to Us at the address shown in this Agreement as soon as You can, if You think Your statement or receipt is wrong or if You need more information about a transaction listed on the statement or receipt. We must hear from You no later than 60 days after We send You the first statement on which the problem or error appeared.

1. Tell Us Your name and Account number.
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. If We need more time, however, We may take up to 45 days to investigate Your complaint or question. If We decide to do this, We will credit Your Account within 10 business days 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. 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. If We have credited Your Account with funds while investigating an error, We will charge Your Account for those funds if We conclude no error has occurred. In this provision, all references to 10 business days will be 20 business days if Your notice of error involves an electronic fund transfer that occurred within 30 days after the first deposit to Your Account was made and all references to 45 business days will be 90 business days if Your notice of error involves an electronic fund transfer that: (a) was not initiated within a state; (b) resulted from a point-of-sale debit card transaction; or (c) if Your notice of error involves an electronic fund transfer that occurred within 30 days after the first deposit to Your Account was made. If We decided that there is no error, We will send You a written explanation within 3 business days after We finish Our investigation. You may ask for copies of the documents that We used in Our investigation. If We have credited Your Account with funds while investigating an error, We will charge Your Account for those funds if We conclude no error has occurred.

FUNDS AVAILABILITY POLICY DISCLOSURE

THIS DISCLOSURE DESCRIBES YOUR ABILITY TO WITHDRAW FUNDS FROM TRANSACTION ACCOUNTS AT RIO GRANDE CREDIT UNION. YOU SHOULD ALSO REFER TO THE SECTION OF THESE AGREEMENTS AND DISCLOSURES THAT DESCRIBES THE DETAILS OF YOUR SPECIFIC ACCOUNT TYPE FOR ADDITIONAL INFORMATION.

Your Ability To Withdraw Funds. Our policy is to delay the availability of funds from Your cash and check deposits. During the delay, You may not withdraw the funds in cash and We will not use the funds to pay checks that You have written.

Determining the Availability Of A Deposit. The length of the delay is counted in business days from the day of Your deposit. Every day is a business day except Saturdays, Sundays, and federal holidays. If you make a deposit before 5:00 p.m. on a business day that We are open, We will consider that day to be the day of Your deposit. However, if You make a deposit after 4:59 p.m. (Mountain Time) or on a day We are not open, We will consider that the deposit was made on the next business day We are open. The length of the delay varies depending on the type of deposit and is explained below.

Same-Day Availability

Funds from the following deposits will be available on the day We receive the deposit:

• Funds from electronic direct deposits to Your Account will be available on the day We receive the deposit.
• U.S. Treasury checks that are payable to You.
• Wire transfers.
• Checks drawn on Us.
• Cash.
• State and local government checks that are payable to You.
• Cashier's, certified, and teller's checks that are payable to You.
• Federal Reserve Bank checks, Federal Home Loan Bank checks, and postal money orders, if these items are payable to You.

Other Checks

The first $225.00 from a deposit of other checks will be available on the 1st business day after the day of Your deposit. The remaining funds will be available on the 2nd business day after the day of your deposit. For example, if you deposit a $700.00 check on a Monday, $225.00 of the deposit is available on Tuesday. The remaining $475.00 is available on Wednesday.

Longer Delays May Apply. Funds You deposit by check may be delayed for a longer period under the following circumstances:

• We believe a check You deposit will not be paid.
• You deposit checks totaling more than $5,525.00 on any one day.
• You redeposit a check that has been returned unpaid.
• You have overdrawn Your account repeatedly in the last six months.
• There is an emergency, such as failure of computer or communications equipment.

We will notify You if We delay Your ability to withdraw funds for any of these reasons, and We will tell You when the funds will be available. They will generally be available no later than the 7th business day following the day of Your deposit. In any case, We reserve the right to refuse an item for deposit or encashment.

ATM Deposits. For deposits made at Automated Teller Machines (ATMs) not owned and operated by the Credit Union, deposits subject to delayed availability will become available for withdrawal on the 5th business day following the day of deposit. All ATMs that We own or operate are identified as Our machines.

Holds on Other Funds. If We cash a check for You that is drawn on another institution, We may withhold the availability of a corresponding amount of funds that are already in Your Account. Those funds will be available to You at the time that the funds from the check We cashed for You would have been available if You had deposited it. If We accept for deposit a check that is drawn on another institution, We may make funds from the deposit available for withdrawal immediately but delay Your availability to withdraw a corresponding amount of funds that You have on deposit in another account with Us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this policy for the type of check that You deposited.

Special Rules for New Accounts. If You are a new member, the following special rules will apply during the first 30 calendar days Your Account is open. Funds from electronic direct deposits to Your Account will be available on the day We receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 of a day's total deposits of cashier's, certified, tellers, and federal, state, and local government checks will be available on the 1st business day after the day of Your deposit if the deposit meets certain conditions. For example, the checks must be payable to You. The excess over $5,525.00 will be available on the 9th business day after the day of Your deposit. If Your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525.00 will not be available until the 2nd business day after the day of your deposit. Funds from all other check deposits will be available on the 9th business after the day of Your deposit.

Location of Check Endorsements. Federal law requires all check endorsements to be in the first 1-1/2 inches of the trailing edge of the back of the check. The trailing edge is opposite the left side of the face of the check, the side of the check just behind Our address. You will be responsible for any costs incurred by Us due to delays in returning checks deposited into Your Account that do not comply with the endorsement standards.

Dividend Payment Policy. See the Account Disclosures section in your Membership Agreement on the payment of dividends.