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| Important Notices and Disclosures |
Privacy Policy
Privacy Notice
Membership and Account Agreements
Includes Privacy Notice, Membership and Account Agreements, Funds Availability Policy, Electronic Funds Transfer Agreement and Disclosure, and Life Savings - Certificate of Insurance
Membership and Accounts Agreement
Consumer Identification Protection Notice
Consumer Identification Protection Notice
Children's Online Privacy Protection Act
The Children's Online Privacy Protection Act became effective April 21, 2000. The regulations apply to the online collection of personal information from children under the age of 13. The Federal Credit Union does not knowingly collect information from children under the age of 13.
Truth in Savings Disclosure
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Third Party Link Disclosure
The Credit Union Web Site contains third party links which are not maintained by us. We are not responsible for the content of third party web sites accessed from the Credit Union site. The privacy and security policies of these linked sites may differ from the Credit Union. Clearview FCU does not endorse the content contained in linked sites, nor the organizations publishing those sites, and hereby disclaims any responsibility for such content.
Courtesy Pay Disclosure
The Credit Union's Courtesy Pay plan is a non-contractual courtesy and is discretionary. It is not an obligation of the Credit Union and the Credit Union may refuse to provide the courtesy on any personal checking account at any time and from time to time. The account-holder does not have a contractual right to Courtesy Pay and payment is not guaranteed by the Courtesy Pay Plan.
Courtesy Pay may provide certain account-holders in "good-standing", as determined by the Credit Union, with the ability to overdraw their personal checking account up to an amount determined by the Credit Union, which is normally $500.00. It may be higher or lower upon the sole discretion of the Credit Union. The member must be at least 18 years of age to qualify for Courtesy Pay.
Insufficient balances may result from, but not be limited to: A) Check payments, ACH debits, PCU Internet BillPayer payments, and other withdrawal requests; B) Payments authorized by the account-holder; C) Unpaid return of items deposited by the account-holder; D) Imposition of financial institution service charges; E) Deposit of items which according to the Credit Union's Funds Availability Policy, are treated as not yet "available" or finally paid.
We are not obligated to pay any item presented for payment if the account does not contain sufficient collected funds. However, if the account-holder maintains the account in good standing, defined as: A) Making automatic recurring deposits sufficient to cover transactions; B) Bringing the account to a positive balance at least once every 30 days or less; C) Not causing the Credit Union a loss; D) Not having any delinquent obligations; E) No legal orders, garnishments, executions or levies, including bankruptcy notices; F) Not engaging in suspicious or abusive activity; and, G) Maintaining at least $10.00 in their Clearview Savings account.
We may, at our sole discretion, pay their reasonable overdrafts as a non-contractual courtesy. Generally, we will not pay an overdraft in total excess of $500.00 for personal checking accounts. These limits exclude our Non-Sufficient Funds and/or Courtesy Pay charges. When multiple withdrawals are processed in the same debit posting, items will be posted in the order of lowest to highest amount. Payments in total excess of $500.00 will be made at the sole discretion of the Credit Union, are not guaranteed, and must be approved by management.
LIMITATIONS: This feature is available only to personal accounts. We may limit the number of accounts per account-holder or per household. Additionally, we reserve the right to not approve any overdrafts against any account until we can verify that the account is being maintained in good standing, as defined above.
ACCOUNT FEES: Whether or not we pay or return a Non-Sufficient Fund item, a per-item fee will be charged to your account as a Non-Sufficient Fund, Overdraft or Courtesy Pay charge, as set forth in our fees schedule.
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