Terms and Conditions of Your Deposit Account
Dear Member: The following contains the rules, which govern, where appropriate, your deposit account with us. Please read this brochure carefully; continued use of your account with us after receipt of this brochure means you agree to these rules, you agree to pay the fees listed, and you give us the right to collect the fees, as earned, directly from the account balance. If you have any questions, please contact us. State and federal law regulate much of our relationship with our members.

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. 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 may also ask to see your driver's licenses or other identifying documents.

As used in this brochure, the word "we" means the financial institution and the word "you" means the account holder.

Liability: Each of you agrees, for yourself (and the person or entity you represent if you sign as a representative of another) to the terms of this account and the schedule of charges that may be imposed. You authorize us to deduct these charges as accrued directly from the account balance. You also agree to pay additional reasonable charges we may impose for services you request which are not contemplated by this agreement. Direct deposit including government benefits may be used to cover overdrawn accounts. Each of you also agrees to be jointly and severally liable for any account deficit resulting from charges or overdrafts, whether caused by you or another authorized to withdraw from this account, and the costs we incur to collect the deficit including, to the extent permitted by law, our reasonable attorneys' fees.

Deposits: Any items, other than cash, accepted for deposit (including items drawn "on Us") will be given provisional credit only until collection is final (and actual credit for deposits of, or payable in, foreign currency will be at the exchange rate in effect on final collection in U.S. dollars). We are not responsible for transactions initiated by mail or outside depository until we actually record them. All transactions received on a business day we are not open for business, will be treated and recorded as if initiated on the next following business day that we are open. Your endorsement and the endorsement of any prior endorser must appear on the back of the check within the first 1.5 inches of the trailing edge of the check. The trailing edge of the check is the left side of the check when looking at it from the front. You agree to be responsible for any losses and any associated legal fees when these endorsement standards are not satisfied.

Withdrawals: Unless otherwise clearly indicated to the contrary, any one of you who signs in the space designated for signatures on the signature card, including authorized signers, may withdraw or transfer all or any part of the account balance at any time on forms approved by us. We are not responsible for losses from the unauthorized use of facsimile signatures. The fact we may honor withdrawal requests that overdraw the finally collected account balance does not obligate us to do so, unless required by law. Withdrawals will be first made from collected funds, and we may refuse any withdrawal request against uncollected funds, even if our general practice is to the contrary. We reserve the right to refuse any withdrawal or transfer request that is attempted by any method not specifically permitted, which is for an amount less than any minimum withdrawal requirement, or which exceeds any frequency limitation. Even if we honor a non-conforming request, repeated abuse of the stated limitations may eventually force us to close this account. We will use the date the transaction is completed by us to apply the frequency limitations.

Membership Requirements: If a member's Regular Savings balance ever falls below $5, DHCU Community Credit Union will transfer the deficiency balance from any other available savings balance or add the deficiency to any outstanding loan so that the Regular Savings balance is maintained at no less than the statutory minimum of $5. A member must maintain $5 in his/her Regular Savings in order to be a member in good standing. If this minimum is not maintained, you may lose the rights to receive the services of the credit union.

Ownership of Accounts & Beneficiary Designation

Individual Account: Only the individual member whose name appears on the membership agreement will have the right to withdraw funds from the account.

Joint Account: All joint owners have equal rights under this agreement. All parties may withdraw funds from the account at any time without the consent of the other party. When a joint account has been established, any one of the joint owners may make payments into the account, withdraw funds from the account or pledge funds as security for a loan. All joint accounts are Joint - With Right of Survivorship and not as Tenants In Common. Each owner of this account is jointly and severally liable for any transaction or item which would overdraw or adversely affect this account, including fees assessed.

Uniform Transfer to Minors Account (UTMA): This is a custodial account set up to receive a monetary gift made to a minor. Only the custodian may transact business. The minor may not withdraw from the account. The UTMA gift is irrevocable and neither the donor nor the custodian has the right to recover and/or make use of the funds other than for the benefit of the minor. For this purpose a minor is an individual under age 21.

Revocable Trust or Payable-On-Death Account: If two or more of you create such an account, you own the account jointly with survivorship. Beneficiaries acquire the right to withdraw only if:1) all persons creating the account die, and 2) the beneficiary is then living. If two or more beneficiaries are named and survive the death of all persons creating the account, such beneficiaries will own this account equally, without right of survivorship. The person(s) creating either of these account types reserves the right to: 1) change beneficiaries, 2) change account types, and 3) withdraw all or part of the deposit at any time.

Corporate, Partnership, and other Organizational Accounts: We will usually require a separate authorization form designating the person permitted and conditions required for withdrawals from any account in the name of a legal entity such as a partnership, corporation, or other organization. We will honor such authorization according to its terms until it is amended or terminated in writing by the governing body of such organization.

Amendments and Termination: From time to time we may amend any item of this agreement upon giving you reasonable notice in writing or by any other method permitted by law, including, in appropriate circumstances, posting notice in our building. We may also close this account at any time upon reasonable notice to you and tender the account balance personally or by mail. Notice from us to any one of you is notice to all of you.

Insurance: Member accounts are insured to $250,000 by the National Credit Union Administration, a U.S. Government agency. Individual Retirement Accounts(IRA) are insured to $250,000 by the National Credit Union Administration. Ask for further explanation on how accounts may be structured to obtain additional NCUA insurance coverage.

Privacy Statement
DHCU Community Credit Union is committed to offering financial products and services that allow you to reach your financial goals. You provide important information about yourself to a variety of businesses and organizations. In fact, when you do business with DHCU Community Credit Union, you're asked to provide us with personal information. This information is important because it helps us get a better picture of your needs, improve our service to you, and complete your transactions more effectively.
We realize that along with gathering information comes responsibility. That's why we've developed privacy policies by which we operate. These policies outline how we use and safeguard the information that is given to us. For this reason, we ask you to please read the following information carefully.

Privacy Policy
DHCU Community Credit Union recognizes the importance of protecting the privacy of personal information about our members and will make every effort to protect their financial privacy through compliance with the Federal Right to Privacy Act, known also as the Gramm-Leach-Bliley Act. Protecting each person's right to privacy is fundamental to the quality of account owner relationships.

We collect the following non-public personal information about you from the following sources and may disclose all the information we collect to companies that perform marketing services on our behalf and other financial institutions with whom we have joint marketing agreements. To protect our members' privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not permit these companies to sell to other third parties the information we provide them.

We restrict access to nonpublic personal information about you to those employees and officials who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

We do not disclose any non-public personal information about you to anyone, except as permitted by law. If you decide to terminate your membership or become an inactive member we will adhere to the privacy policies and practices as described in this notice.

Disclosure of Account Information to Third Parties
It is our general policy to treat your account information as confidential. However, we will disclose information to third parties about your account or the transfers you make ONLY in the following situations:

1. If we return transfers or payments made from your account which are drawn on insufficient funds or if we are unable to complete an electronic transfer or payment because of insufficient funds, or
2. Where it is necessary for completing transfers, or
3. In order to verify the existence and condition of your account to a third party, such as a credit bureau or merchant, or
4. To a consumer reporting agency for quality assurance survey/research purposes only, or
5. In order to comply with a governmental agency or court orders, or
6. If you give us your written permission.

ELECTRONIC FUNDS TRANSFER DISCLOSURE
DHCU Community Credit Union ATM Card Agreement, TellerFact Agreement, DHCU CheckCard, HomeBranch Agreement, Preauthorized Debits and Credits and Electronic Check Conversion.

The Federal Electronic Transfer Act and Regulation E require DHCU Community Credit Union to give you certain information concerning transactions which take place by means of electronics and result in a deposit to or a withdrawal from any one or more of your savings and/or checking accounts at the credit union.

Electronic Funds Transfer Services:
Pre-authorized Debit and Credits DHCU Community Credit Union may receive regular electronic transfers of funds to your savings and checking account(s). In addition, you may contract with a third party to transfer funds via Automated Clearing House from your DHCU Community Credit Union savings and checking account to a third party. If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, you can call us at 309-796-7500 or toll-free 1-800-323-5109 to find out whether or not the deposit has been made.

Disclosure of Types of Pre-authorized Credits and Debits Available

1. You may receive the following deposits to your savings or checking accounts. Examples of pre-authorized credits are:
   A. Direct deposits of your Social Security Benefits
   B. Direct Deposit of all or part of your payroll from your employer
   C. Direct Deposit of your annuity, pension benefits, military payments
   D. Direct deposit of tax refund.
   
   
2. You may make an arrangement for pre-authorized automatic payments to be withdrawn from your savings or checking account. Examples of pre-authorized payments are:
   A. Insurance premiums
   B. Athletic clubs
   C. Monthly mortgage payments
   D. Gas and Electric bills
   E. Investments

Electronic transactions not allowed
In accordance with Federal regulations, DHCU Community Credit Union will not permit its members to use credit union accounts for the purpose of illegal Internet gambling. Attempted transactions will be blocked, and repeated attempts may result in account closure.

Electronic Check Conversion
If you pay for something with a check or share draft you may authorize your check or share draft to be converted to an electronic fund transfer. You may also authorize merchants to electronically debit your account for returned check fees. The member authorizes the electronic transaction through the merchant; either expressly in writing, or the authorization is implied by a sign posted at the merchant that the conversion will occur. These are electronic funds transfers and are subject to Regulation E.

TellerFact
You may use your TellerFact four-digit Personal Identification Number (PIN) along with your account number to access your accounts using a touch-tone telephone and the TellerFact service. At the present time you may use TellerFact to:

• Inquire about your checking and savings balances.
• Transfer between checking and savings accounts.
• Verify payroll deductions
• Confirm check clearance
• Inquire about your loan balance(s)
• Inquire about your certificate, and much more.

You can access your accounts with TellerFact by using a touch-tone telephone only. Not all push button telephones are touch-tone. Check with your telephone company if you are unsure. TellerFact is available for your convenience 7 days a week, 24 hours per day. This service may be interrupted for brief periods for processing. If you call during this time, you will hear a message advising you that the system is not available.

No transfer may exceed the available funds in your account, and a minimum of $5 must be maintained in your savings account. No withdrawals or transfers to or from Certificate accounts and IRA accounts are permitted. If your loan(s) are delinquent you will only be permitted to transfer money to your loan(s). TellerFact limits your call to 5 minutes or six (6) transactions whichever happens first. For security reasons, in the event your TellerFact PIN is lost or stolen, the Credit Union reserves the right to place limits on the dollar amount of transactions you can make on the TellerFact system.

The local TellerFact telephone number is (309)796-7600. Calls outside of the immediate Credit Union telephone area may be made toll-free by dialing 1-800-635-5448.

ATM Card/DHCU Visa CheckCard
You may use your ATM card or DHCU VISA CheckCard at Point-of-Sale (POS) terminals to make purchases, pay for services or get cash from in automated equipment of DHCU Community Credit Union, STAR, Cirrus, Honor and such other machines or facilities as DHCU Community Credit Union may designate from time-to-time. The DHCU VISA CheckCard may not be used for illegal transactions. At the present time, you may use your ATM or DHCU VISA Check Card to:

• Deposit to your checking or regular savings accounts (Acct ID 00).
• Withdraw cash from your checking or regular savings accounts (Account ID 00).
• Transfer between your checking and regular savings accounts (Account ID 00).
• Inquire about your checking and regular savings accounts (Account ID 00).
• Pay for purchases at places that have agreed to accept the VISA Check Card and your Personal identification number at point-of-sale terminals (POS)
• You may use your DHCU VISA CheckCard to pay for goods and services at any merchant accepting a VISA Card. The dollar amount of all signature based purchases is held in your account until the amount clears your account or 3 days whichever comes first. Funds held are unavailable for withdrawals or paying checks from your transaction account encoded on the card.
• If your loan(s) are delinquent 45 days or more you will only be permitted to transfer money to your loan(s).

Eligibility:  A member must be 18 years of age to obtain an Automated Teller Machine (ATM) Card or a DHCU CheckCard (Debit card) for their account. If a member is under 18, a parent or legal guardian must sign as joint owner.

HomeBranch:  This Agreement between you and DHCU Community Credit Union ("we" or "us") contains the terms, conditions and disclosures for DHCU HomeBranch Services for which you have applied. The DHCU HomeBranch operates through your deposit accounts, loans, line(s) of credit and credit card(s) with us, and you are subject to the rules and regulations governing the general use of those accounts. If you use these services to borrow from an existing line of credit you have with us, any borrowing will be made under the terms previously disclosed to you. You will need to use certain types of computers, obtain an internet account, and use compliant browser software to use our DHCU HomeBranch. The installation, maintenance, and operation of those items are your responsibility. We are not responsible for any errors or failures of your computer equipment or internet connection software. DHCU HomeBranch can be used at any time day or night. However, certain computer maintenance or malfunctions may make it unavailable at times.

I. Services Offered
A. Online Banking: You may perform the following functions with your accounts using DHCU HomeBranch:
1. Obtain account balances and transaction information for your designated accounts.
2. Transfer funds between your designated accounts.
3. If your loan(s) are delinquent 45 days or more you will only be permitted to transfer money to your loan(s).

B. BillPay Service: You may perform the following functions using HomeBranch BillPay: 1.Schedule recurring payments.
2.Set-up payments to be made monthly bi-weekly, weekly, whatever fits your lifestyle.
3.View your account activity and history of bills that have been paid.
4.Download your bill payment history to software such as Quicken or Microsoft Money.
5.Get help when you need it. 24 hours a day, 7 days a week.

II. Fees Per Account Number
A. There are no fees for DHCU HomeBranch.
B. There are no fees for DHCU HomeBranch BillPay.

III. Transfers from Lines of Credit: Any transfers from your lines of credit will result in you obtaining a loan or advance under the terms previously disclosed to you.

IV. Documentation of Transactions: You will receive a monthly account statement detailing all of your transactions and charges which you post during the statement period.

V. Use of PIN: The Personal Identification Number/Access code is provided for your use and protection, and you agree to: (a) not disclose the Access Code or otherwise make it available to anyone else; (b) use the Access Code as instructed; (c) promptly notify us of any loss or theft of the Access Code; and (d) be liable for the Access Code.

VI. Suspension of Privileges: We may at any time, and in our sole discretion, limit or cancel the DHCU HomeBranch services we offer you. Specifically we reserve the right to cancel access if the DHCU HomeBranch service has not been used at all in a 90 day time period. BillPay privileges are suspended if your loan(s) at DHCU Community Credit Union are 45 days or more delinquent.

Right to Stop Payment or Right to Rescind Electronic Fund Transfer Authorization: If you have authorized a third party to make automatic debits from your account, or if you have authorized any regular payments to be deducted from your account by means of an automatic debit, you can stop any of these payments by notifying the Credit Union in time for us to receive your request three (3) business days or more before the payment is scheduled to be made. If you call, we will require you to put your request in writing and get it to us within 14 days. If the written confirmation is NOT received within 14 days of the oral notification, the stop payment order will cease to be binding. You may request a one time stop payment or a permanent cancellation of your electronic funds transfer. A fee is charged for each stop payment or revoked authorization. See Appendix A for a complete listing of all service charges. If you do order us to stop one of these payments and we do not do so, we will be liable for your damages.

Notice of Varying Amounts: If the regular payments vary in amount, the designated 'payee' or financial institution should tell you 10 days before each payment when it will be made and how much it will be. You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment or when the amount would fall outside certain limits that you set.

Business Days: Our business days are Monday through Friday. Holidays are not included.

Right to Receive Documentation:

A. Terminal transfers. You will receive a receipt at the time you make any transfer to or from your account using any approved Automated Teller Machine or Point of Sale Terminals. You will receive a receipt on Point of Sale purchases over $15.00.
B. Preauthorized credits. If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, you can call us at (309)-796-7500 or toll-free 1-800-323-5109 to find out whether or not the deposit has been made.

C. Periodic Statements. You will get a (monthly) account statement (unless there are no transfers in a particular month. In any case you will get the statement at least quarterly .)

 

Liability Disclosure: If you believe your ATM card, ATM PIN, VISA CheckCard, VISA CheckCard PIN, TellerFact PIN or HomeBranch /BillPay PIN have been lost or stolen or that someone has used it or may use it to transfer money from your account without your permission, you must tell us at once. Telephoning is the best way to keep your losses down. Our telephone number is 309-796-7500 or toll-free 1-800-323-5109 Nationwide. Or you may write to us at: P.O. Box 1550, Moline, IL 61266-1550 or e-mail us at info@dhcu.org.

If a transaction is made with your VISA CheckCard or VISA CheckCard number without your permission, and is either a VISA or Interlink transaction, you will have no liability for the transaction, unless you were grossly negligent in the handling of your account or VISA CheckCard. Your liability for unauthorized use of your card or account will be determined under the following paragraphs for transactions that are not VISA or Interlink transactions, for transactions at ATMs, or if you were grossly negligent in the handling of your account or VISA CheckCard. If liability does not fall under unauthorized use within VISA Regulation E rules apply.

You could lose all of the money in your account, plus your maximum overdraft line-of-credit. If you tell us within two (2) business days, you can lose no more than $50 if someone used your card or PIN without your permission. If you do not tell us within two business days after you have learned of the loss or theft of your ATM card, VISA CheckCard or TellerFact PIN or HomeBranch/Bill Pay PIN and we can prove that we could have stopped someone from accessing your account without your permission if you had told us, you could lose as much as $500.

Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within 60 days after the statement is mailed to you, you may not get back any of the money that you lost after the 60 days, if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason, such as vacation or a hospital stay, kept you from telling us, we may extend the time period.

Error Resolution Procedure:   In case of errors or questions about your Electronic Funds Transfer notify us as soon as you can, telephone us at (309) 796-7500 or toll-free 1-800-323-5109. Or write to:

1. Tell us your name and account number. Describe the error or transfer that you are unsure about. Explain as clearly as you can why you believe it is an error or why you need more information.Tell us the dollar amount of the suspected error.
2. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days

We will tell you whether an error occurred within 10 business days after we hear from you and we will correct any error promptly. If we need more information, 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 ten business days for ATM, 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 ten business days, we may not credit your account. If the error you assert is an unauthorized VISA CheckCard transaction, other than a cash disbursement at an ATM, we will credit your account within five business days unless we determine that the circumstances or your account history warrant a delay, in which case you will receive credit within ten business days. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error.

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.

Disclosure of Account Information to Third Parties
It is our general policy to treat your account information as confidential. However, we will disclose information to third parties about your account or the transfers you make ONLY in the following situations:

1. If we return transfer or payments make from your account which are drawn on insufficient funds or if we are unable to complete an electronic transfer or payment because of insufficient funds, or
2. Where it is necessary for completing transfers, or
3. In order to verify the existence and condition of your account to a third party, such as a credit bureau or merchant, or
4. To a consumer reporting agency for quality assurance survey/research purposes only, or
5. In order to comply with a governmental agency or court orders, or
6. If you give us your written permission.

However, there are some exceptions. We will not be liable:

1. If, through no fault of ours, your account does not contain enough money to make the transfer.
2. If any approved network Automated Teller Machine where you are making the transfer does not have enough cash.
3. If any approved network Automated Teller Machine was not working properly, and you knew about the breakdown when you started the transfer.
4. If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
5. If the Automated Teller Machine is closed or shut off for maintenance.
6. If funds in your account are pledged for a share secured loan or are otherwise not available.
7. If the money in your account is subject to legal process or other claim.
8. If there are other exceptions as established by the credit union.
9. If the transfer would go over the credit limit on your overdraft protection.
   

Limitations on Transactions:  If this limit is changed, you will be notified. Withdrawals made at machines owned by DHCU Community Credit Union are limited to $1000 per business day. You may use the DHCU VISA CheckCard to make purchases or pay for services at Point-of-Sale terminals and VISA merchants. Total transactions may not exceed $1000 per business day for Point-of-Sale (entering your PIN number) purchases and $1000 per business day for signature based transactions using a VISA CheckCard.
Fees on Transactions:  ATM and VISA CheckCard transactions performed at machines owned by DHCU will be free of charge.
Click here for DHCU machine locations.

ATM cash withdrawals, inquiries and transfers performed at machines not owned by DHCU will incur a transaction fee. Deposits, Point-of-Sale withdrawals will not be assessed a service fee. The fee will be assessed to the account on which the transaction occurred. It will post to your account as a separate entry immediately following the transaction. In the event there are non-sufficient funds available for a withdrawal, an NSF fee will be assessed. If, however, there are funds available to transfer from another account, we will do so assessing a transfer fee. If on your checking account, funds are available on Courtesy Pay, your withdrawal may be made with a Courtesy Pay fee assessed. See appendix A for current fees.
When you use an ATM not owned by us, you may be charged a fee by the ATM operator and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer.

Account Crediting Procedure:  Because of the servicing schedule and processing time required in Automated Teller Machine and VISA CheckCard operations, there may be a delay between the time a transaction takes place and when it's credited or debited to your account. The date that a transaction is credited or debited to your account is known as the posting date. For dividend calculation and any other purpose or dispute, the posting date will be the controlling effective date of any transaction.

Transactions: All transactions completed with your ATM PIN or VISA CheckCard PIN at any approved Automated Teller Machine or Point-of-Sale will post to the account the transaction occurred instantaneously. There is no delay between the time a PIN based transaction occurs and when it is posted to your account. However, the dollar amount of all signature based purchases is held in your account until the amount clears your account. Funds held are unavailable for withdrawals or paying checks from your transaction account encoded on the card.

Balance Information: Balance information is available through many STAR Network ATMs. The balance you receive is the available balance in your account. Outstanding checks may not be reflected in the balance given at any ATM.

Deposits: Deposits may be made at any DHCU ATM machine offering the deposit transaction option. All deposits are subject to verification. The first $100 of your initial deposit (cash or checks) made at any Automated Teller Machines (ATM) will be available on the business day you make the deposit. Our general policy is to make the rest of the deposit(s) available on the next business day, however, funds may not be available until the fifth business day after the day your deposit and may be held as long as eleven business days after the day of your deposit

Deposits may be made at nonproprietary ATM, machine owned and operated by other financial institutions, offering the deposit option. All deposits are subject to verification. The first $100 of your initial deposit (cash or checks) made at any Nonproprietary Automated Teller Machines (ATM) will be available on the business day you make the deposit. Our general policy is to place a five business day hold on the rest of the deposit, however, funds may be held as long as eleven business days after the day of your deposit. (see above for DHCU machines location)

Foreign Transactions : Purchases, credit vouchers and cash disbursements made through VISA, VISA PLUS, and Interlink in foreign countries and foreign currencies will be billed to you in U.S. dollars. The current exchange rate for international transactions will be a rate selected by VISA from the range of rates available in wholesale currency markets, which may vary from the rate VISA itself receives, or government mandated rate in effect for the applicable processing date. DHCU Community Credit Union has the right to charge a 1% International Service Assessment (ISA) fee required by VISA on all interantional transaction.

Agreement:
You Agree:

1. To abide by the rules and regulations, as amended, of DHCU relating to the use of your ATM and VISA CheckCard. These rules and regulations are binding upon you.
2. That the ATM card and VISA CheckCard is the property of DHCU and will be delivered to us immediately upon request.
3. That DHCU may follow all instructions given to the Automated Teller Machines.
4. That the ATM, VISA CheckCard and TellerFact Personal Identification Numbers (PINs) issued to you for your security are confidential and should not be disclosed to third parties or recorded in your wallet or on your ATM card. If the account is a joint account, you may authorize the joint member to use your PIN to access your account. This authorization, if given, shall be at your risk and liability.
5. That you may choose your own ATM PIN. If however,you do not choose one, the Credit Union will assign one for you. A PIN will be issued for your VISA CheckCard by DHCU, however, you may change/update your PIN by mailing your VISA Check Card or visiting any branch of DHCU to update your PIN.
6. That if the Credit Union suffers a loss from your use of your VISA CheckCard or ATM card, we will report such loss to the credit bureau and possibly to the Police.
7. If your checking account is closed due to excessive Non-Sufficient Funds (NSF) activity, your VISA Checkcard or ATM card may be captured and privileges revoked.
8. If you close your account or no longer want ATM service or the VISA CheckCard, you must surrender your card immediately.

Termination and Notification:

A. The use of the ATM and the VISA CheckCard card may be terminated or restricted by DHCU Community Credit Union at any time without notice.

B. You may terminate this agreement at any time by giving written notice hereof and returning to the Credit Union all cards issued to you in connection with this agreement. Termination of service will be effective the first business day following receipt of your written notice.

C. All notices from DHCU Community Credit Union will be effective when we have mailed or delivered them to our last known address in the Credit Union's records. Notices from you will be effective when received by the Credit Union at the address specified on this agreement. The Credit Union reserves the right to change the terms and conditions upon which these services are offered. The Credit Union will mail notices to you at least 30 days before the effective date of any such change.

DHCU Community Credit Union
HomeBranch Terms and Agreement Disclosure

All persons accessing any and all DHCU Community Credit Union account(s) with the use of a HomeBranch ("Web Personal Branch") user name password (ACCESS CODE) through a personal computer or any other device that uses standard communications protocols MUST agree to the following:

1. In this disclosure, the words "we," "us," "our," "DHCU" or "credit union" mean DHCU Community Credit Union. "You," "your" or "account holder" mean each person who is currently a member of DHCU Community Credit Union and signed a membership application and/or signature card and agreed to a DHCU Community Credit Union HomeBranch Terms and Agreement Disclosure. The terms "ACCESS CODE" and "password" refer to the code which enables you to access your account(s) through the HomeBranch program. The word "account" means any DHCU account where your name appears.

2. You acknowledge that you have selected your own ACCESS CODE for the express purpose of accessing your credit union account(s). You understand that DHCU does not know your ACCESS CODE and will therefore hold you and all other persons (authorized or not) using your ACCESS CODE totally responsible for all transactions conducted on the HomeBranch System, subject to any restrictions imposed by law or regulation.

3. You accept responsibility for all authorized and unauthorized activity made on your account(s) with your ACCESS CODE through the use of the HomeBranch system, which is subject to limitations governed by Federal law, the regulations of any applicable government agency and the laws of the State of Illinois. The limitations of your liability for unauthorized activity on your account(s) are contained in the disclosure for EFT transactions.

4. You must notify the credit union immediately once you believe that your ACCESS CODE has been lost, stolen or used by some unauthorized person(s). You must report unauthorized usage to the credit union by calling (309) 796-7500, (800) 323-5109; or by sending an E-MAIL through the HomeBranch system or to info@dhcu.org.

5. You hereby relieve DHCU of any obligations to monitor how your ACCESS CODE is used nor is it under any obligation to notify you of any unusual activity regarding your account which may be accessed with your ACCESS CODE, subject to restriction imposed by law or regulation.

6. Transactions initiated by the use of your HomeBranch ACCESS CODE are subject to the same terms and Conditions governing your account(s) with us. This disclosure is made part of and supplemental to the Membership Disclosure Terms and Conditions, and applies only to transactions that are conducted on the DHCU HomeBranch system.

7. In compliance with Regulation "D," DHCU allows only six (6) telephone or preauthorized transfers per calendar month from Money Market accounts to the Checking account.

8. Your ACCESS CODE may be used only to initiate transactions and to access account(s) we have approved in advance. You may not use your ACCESS CODE to overdraw any account. When your ACCESS CODE is used to initiate unauthorized transactions, access account(s) not approved or overdraw your account(s) and results in the loss of money or negative balances, you are liable for all amounts plus additional service charges which must be paid immediately to the credit union. You grant DHCU the right, without notice, to take money owed from other accounts to cover losses or treat the amount owed to us as a request for a loan advance from the Overdraft Protection Line of Credit, where applicable. You grant DHCU the right to recover the amount of any money owed to us, along with any costs we incur in collecting it, including court and attorney's fees, but in no event to exceed amounts allowed by law.

9. We have the right to suspend or terminate the use of your ACCESS CODE and your participation in the HomeBranch program at any time without notice. You have the right to cancel your ACCESS CODE and your participation in the HomeBranch program at any time, provided the request to do so is submitted in writing. Written requests to have your ACCESS CODE terminated become effective at the end of the first business day following the receipt of your written notice. Once your ACCESS CODE is terminated, you agree not to use the ACCESS CODE to access the HomeBranch system. If your loan(s) are delinquent 45 days or more you will only be permitted to transfer money to your loan(s).

10. DHCU may change this agreement at any time and, as required by law or regulation, will notify you of any changes. The use of your ACCESS CODE with the HomeBranch system after the effective date of the changes made to this disclosure means that you have acknowledged and agreed to the new and/or additional terms of this disclosure. Each and every time your ACCESS CODE is used to access your account(s) through HomeBranch acknowledges your acceptance of the terms and agreements of this disclosure.

11. We reserve the right to impose a user fee at any time and will notify you of such action prior to imposition.

Terms and Conditions for DHCU Community Credit Union's HomeBranch BillPay Service

HomeBranch BillPay Service: Note: All references within this document to the terms "Payment Service" and/or "the Service" reflect HomeBranch BillPay Service offered by DHCU Community Credit Union.

Electronic Disclosure of the Terms and Conditions Agreement for the HomeBranch BillPay Service

I acknowledge electronic receipt of the Terms and Conditions Agreement ("Agreement") associated with DHCU Community Credit Union's (DHCU) HomeBranch BillPay Service and agree that I have read and will abide by this Agreement. I also agree that DHCU does not need to provide me with an additional, paper (non-electronic) copy of this Agreement unless specifically requested. Further, I understand that a copy of this Agreement can be printed by using my browser's print command and a printer.

Use of a Third-Party Bill Pay Service Provider
ORCC (Service) is the third-party bill pay service provider who DHCU has contracted with to provide bill pay service to its members. ORCC will be processing bill payments and answering questions directly related to these member-initiated bill payments. Accordingly, the term "ORCC Customer Care" represents the customer service provided by ORCC to DHCU's bill pay subscribers on DHCU's behalf. DHCU, at its sole discretion, reserves the right to change HomeBranch BillPay service providers.

Enrollment Request for the HomeBranch BillPay Service
DHCU reserves the right to refuse enrollment in the HomeBranch BillPay service to any member who does not meet the HomeBranch BillPay service criteria which has been established by the credit union and/or ORCC. Included in this criteria is a requirement that subscribers to this service must live within the United States or its possessions/territories (i.e., American Samoa, Guam, Marshall Islands, Micronesia, N. Mariana Islands, Palau, Puerto Rico and the Virgin Islands) or be receiving mail at an FPO or APO address (APO - Abroad, APO - America or APO - Pacific).

HomeBranch BillPay Service
As used in this Agreement, the term "Payee" means the vendor, biller, person or entity to whom you wish a bill payment to be directed; "Payment Instructions" means the information provided by you to the Service for a bill payment to be made to your Payee (e.g., Payee name, account number, payment amount, payment date, etc.); "Payment Account" means your Checking Account and, in the instance of non-sufficient funds and/or an overdrawn account, any applicable share account or available balance on line of credit accounts (e.g., credit card accounts) at DHCU, from which all bill payments may be made and/or such funds collected; "Business Day" means Monday through Friday, excluding Federal holidays; "Scheduled Payment Date" means the Business Day of your choice upon which your bill payment will be made and your Payment Account will be debited; and "Cutoff Time" means 11:00 a.m., Central Time on any Business Day, and is the time by which you must transmit instructions to have them considered entered on that particular Business Day.

By providing the Payment Service with the names and account information of those entities and/or persons to whom you wish to direct payment, you authorize the Service to follow the Payment Instructions that it receives from you or your authorized user through the HomeBranch BillPay service. When the Service receives a payment instruction, you authorize it to debit your Payment Account and remit funds on your behalf so that the funds arrive as close to the Business Day designated by you as reasonably possible.

While it is anticipated that most transactions will be processed four (4) Business Days before your selected Scheduled Payment Date, it is understood that due to circumstances beyond the control of the Service, particularly delays in handling and posting payments by slow responding companies or financial institutions (Payees), some transactions may take a day or even a few days longer to be credited by your Payee to your account with them.

For this reason, it is necessary that all Scheduled Payment Dates selected by you be no less than five Business Days before the actual due date, not the late date and/or a date in the grace period. (For example, the payment should be entered no later than Monday before 11:00 a.m., Central Time, for a payment to arrive on Friday.) Payment Instructions entered after the Cutoff Time or on a non-Business Day will be considered entered in the Service on the next Business Day. If you properly follow the procedures described herein, and the Service fails to send a payment according to the Payment Instructions received, the Service will bear responsibility for all late charges. In any other event, including but not limited to choosing a Scheduled Payment Date which is not five Business Days before the due date or on or past the due date stated on your invoice or bill, the risk of incurring and the responsibility for paying any and all late charges or penalties shall be borne by you.

A bill payment is "In Process," starting at the Cutoff Time on the fourth (4th) Business Day prior to the Scheduled Payment Date and continuing up to the Scheduled Payment Date. A bill payment is a "Pending Payment," starting from the time you enter Payment Instructions until the payment is "In Process." A bill payment is considered "Completed" on the Business Day you selected as the Scheduled Payment Date. You may cancel or edit any Pending Payment (including recurring bill pay payments) by following the directions provided on the HomeBranch BillPay system Online Help. There is no charge for canceling or editing a Pending Payment.

Please note: we may not have a reasonable opportunity to act on any stop payment or cancellation order given after a payment is "In Process" and it is not possible to stop or cancel a payment which is "Completed." If you desire to cancel or stop any payment which is "In Process" you must call ORCC Customer Care toll free at 1-800-235-825. Although we will make every effort to accommodate your request, we will have no liability for failing to do so. Stop payment requests sent to us via electronic mail or in any other manner will not reach us in time for us to act on your request. Stop payment requests will be accepted only if we have a reasonable opportunity to act on such a stop payment order. If you call, we may also require you to present your request in writing within fourteen (14) days after you call. The charge for each stop payment order will be the then current charge for such service as disclosed in DHCU's Schedule of Fees and Charges. The Service will use its best efforts to make all your payments properly. However, the Service shall incur no liability if it is unable to complete any payments initiated by you through the Service because of the existence of any one or more of the following circumstances:

1. If, through no fault of ours, your Checking Account does not contain sufficient funds to complete the payment or transfer, if applicable DHCU may, at its option, pay a scheduled bill payment which exceeds the share balance in the Checking Account by transferring the amount of the resulting overdraft from the share savings account, VISA Safedraft Overdraft Protection, or Courtesy Pay Overdraft Protection indicated on the Checking Application and Agreement. Per Federal regulation, preauthorized telephone, Internet or automatic transfers from Money Markets to cover Checking overdrafts cannot exceed six in number per calendar month;
2. The bill payment processing center is not working properly and you know or have been advised by the Service about the malfunction before you execute the transaction;
3. The Payee mishandles or delays a payment sent by the Service;
4. You have not provided the Service with the correct names, phone numbers, or account information for those persons or entities to whom you wish to direct payment;
5. Circumstances beyond the Service's control (such as, but not limited to, fire, flood, or interference from an outside force) prevent the proper execution of the transaction and the Service has taken reasonable precautions to avoid those circumstances.

Provided none of the foregoing five (5) exceptions to the Service performance obligations are applicable, if the Service causes an incorrect amount of funds to be removed from your Payment Account or causes funds from your Payment Account to be directed to a person or entity which does not comply with your Payment Instructions, the Service shall be responsible for returning the improperly transferred funds to your Payment Account and for directing to the proper recipient any previously misdirected payments or transfers.

Payment will be made to your Payee either electronically via the Automated Clearing House (ACH) or by check or laser draft. The method of payment depends upon the processing method that can be accommodated by the Payee or ORCC (e.g., some Payees are unable to accept electronic payments).

The payment may be deducted from your Payment Account by two methods depending upon the amount of the payment and your credit history. The two methods are: 1.) via an electronic debit through the Automated Clearing House Association (ACH) or 2.) via a draft drawn on your account and processed through the Federal Reserve System (as if you had written a Checking drawn on your Checking Account.) All bill payments debited from your account will appear on your monthly Statement of Account and under the "All Transaction Activity" section of the Checking Account Detail on the DHCU HomeBranch Online Account Access system. ACH debits will reflect the name of the Payee (e.g., XYZ Utility Company) as well as the date and amount; however, laser drafts will be reflected on your statement with simply a date and check number. All payments can be viewed with the Payee's name, payment amount and payment date by reviewing your recent payment history under the electronic Payment List option provided to you as part of the HomeBranch BillPay service.

Prohibited Payments
The following payment types are prohibited through the Service:
1. Tax Payments
2. Court Ordered Payments
3. Payments to Payees outside of the United States or its possessions/territories as detailed in the Payee Limitations section of this Agreement.

THE FOREGOING SHALL CONSTITUTE THE SERVICE'S ENTIRE LIABILITY AND YOUR EXCLUSIVE REMEDY. IN NO EVENT SHALL THE SERVICE BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING LOST PROFITS (EVEN IF ADVISED OF THE POSSIBILITY THEREOF) ARISING IN ANY WAY OUT OF THE INSTALLATION, USE, OR MAINTENANCE OF THE EQUIPMENT, SOFTWARE, AND OR THE SERVICE.

EXCLUSIONS OF WARRANTIES
THE SERVICE AND RELATED DOCUMENTATION ARE PROVIDED "AS IS" WITHOUT ANY WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANT ABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

Password and Security
To access the HomeBranch BillPay service you will need to log on to the DHCU HomeBranch Online Account Access service (using the User Name and Password associated with this service) and then click on the Pay Bills icon on the navigation bar. From there the system will link you to the HomeBranch BillPay site.

You agree not to give or make available your DHCU Online Account Access User Name and Password to any unauthorized individuals. You are responsible for all bill payments you, and your HomeBranch BillPay Authorized User, authorize using the Service. If you permit other persons to use the Service or your DHCU Online Account Access User Name and Password (even though you have agreed not to disclose this information) you are responsible for all transactions they authorize. If you believe that your HomeBranch Password(s) has been lost, stolen or compromised, or that someone may attempt to use the Service without your consent or has transferred money from your account by accessing your account without your permission, you must notify DHCU Community Credit Union at once by calling us 24 hours a day at 1-800-235-8251.

You also agree that DHCU may revoke your HomeBranch BillPay and/or DHCU HomeBranch Online Internet account access services if unauthorized account access and/or transactions occur as the apparent result of negligence in the safeguarding of the User Name and Passwords(s) belonging to you and/or your authorized user. Further, you agree that, if DHCU is notified that you have included the credit union in the filing of a petition of bankruptcy, DHCU may revoke or refuse to grant you HomeBranch BillPay service and/or DHCU HomeBranch Online Internet account access to your account.

Your Liability for Unauthorized Transfers
If you tell the credit union within two (2) Business Days after you learn of unauthorized access to your account(s) and/or that your HomeBranch User Name and Password has been lost, stolen or compromised, you can lose no more than $50.00. If you fail to notify the credit union within two (2) Business Days after you learn of unauthorized access to your account(s) and/or that your HomeBranch User Name and Password has been lost, stolen or compromised, and we can prove that we could have prevented the unauthorized access to your account(s), or use of your HomeBranch password, had you notified us, you could lose as much as $500.00. If your monthly statement or your online account detail reflect any transfers or payments that you did not make, tell us at once. If you do not tell us within sixty (60) days after the first statement which reflected an unauthorized transfer(s) or payment(s) was mailed to you, you may not get back any money you lost after the 60 days, provided that we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we may extend the time periods.

Errors and Questions
In case of errors and questions about your electronic transfers or payments, you should:
1. Telephone us toll free at: 1-800-323-5109 or dial direct at 1-309-796-7500
2. Write us at: DHCU Community Credit Union % ORCC 1900 52nd Avenue Moline, IL 61265
as soon as you can.

If you think that your statement is wrong or you need more information about a bill payment listed on the statement, we must hear from you no later than (60) days after you received the FIRST statement on which the problem or error appeared. You must:

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, and
3. Tell us the dollar amount of the suspected error.

If you tell us orally in person or by telephone, we may require that you send us your complaint or question in writing within ten (10) Business Days after providing verbal notification. We will tell you the results of our investigation within ten (10) Business Days after we hear from you, and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate the complaint or question. If we decide to do this, we will re-credit your account within ten (10) Business Days for the amount you think is in error, so that you may 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 ten (10) Business Days, we may not re-credit your account.

If we determine there was no error, we will send you a written explanation within three (3) Business Days after we finish the investigation. You may ask for copies of documents which we used in our investigation. We may revoke any provisional credit provided to you if we find that an error did not occur. You may ask for copies of the documentation that we used in our investigation.

Disclosure of Account Information to Third Parties
It is our general policy to treat your account information as confidential. However, we will disclose information to third parties about your account or the transfers you make ONLY in the following situations:

1. If we return transfers or payments made from your account which are drawn on insufficient funds or if we are unable to complete an electronic transfer or payment because of insufficient funds, or
2. Where it is necessary for completing transfers, or
3. In order to verify the existence and condition of your account to a third party, such as a credit bureau or merchant, or
4. To a consumer reporting agency for quality assurance survey/research purposes only, or
5. In order to comply with a governmental agency or court orders, or
6. If you give us your written permission.

Charges or Fees
Participating in the HomeBranch BillPay Service is FREE for unlimited transactions. Additionally, charges for other transactions and optional services (e.g., Non-Sufficient Funds or Stop Payment Fees) are specified in DHCU's Schedule of Fees & Charges.

You agree to pay such fees and charges, and authorize the Service to charge your designated Payment Account for these amounts and any additional charges that may be incurred by you. Any fees associated with your share or loan accounts will continue to apply.

You are responsible for any and all telephone access fees or Internet service fees that may be assessed by your telephone utility and/or Internet Service Provider.

In the Event a Service Transaction Is Returned and/or Overdraws Your Checking Account
In using the Service, you are requesting the system to make payments for you from your Checking Account. If we are unable to complete the transaction for any reason associated with your Checking Account (for example, there are not sufficient funds in your Checking Account to cover the transaction), the transaction may not be completed. In some instances you will receive a return notice from DHCU. In these cases, you agree that a non-sufficient funds (NSF) fee will be charged in accordance with the credit union's established and published service fees. Further, you also agree that a NSF fee may be charged to your account even if the payment is not returned but is paid and overdraws your Payment Account.

By enrolling for and using this HomeBranch BillPay service you agree that DHCU has the right to collect funds from all of your share accounts as well as the available balance on your line of credit accounts (e.g., SafeDraft or credit card accounts) to recover funds for all payments that have been requested to be paid by you and your authorized user; this includes accounts on which you are the primary member-owner, as well as accounts on which you are the joint owner.

Alterations and Amendments
The terms of this Agreement, applicable fees and service charges may be altered or amended by the Service from time to time. In such event, the Service shall send notice to you at your address of record or by secure electronic message via the DHCU Online Account Access system. Any use of the services after the service sends you a notice of change will constitute your agreement to such change(s). Further, the service may, from time to time, revise or update the programs, services, and/or related material which may render all such prior versions obsolete. Consequently, the Service reserves the right to terminate this Agreement as to all such prior versions of the HomeBranch BillPay programs, services, and/or related material and limit access to the Service's more recent revisions and updates.

Address Changes
You agree to promptly notify both DHCU and ORCC Customer Care in writing of any address change. Changing your address on the Service does not automatically update your address of record at DHCU Community Credit Union. Similarly, updating your address at DHCU does not automatically update the address on the Service.

Termination or Discontinuation
In the event you wish to discontinue the Service, you must contact DHCU c/o ORCC within 10 days prior to the actual service discontinuation date. You must request the service discontinuation via the HomeBranch BillPay secure message system or by written correspondence sent via the mail. Written notice must be signed and sent to:

DHCU Community Credit Union c/o ORCC
1900 52nd Avenue Moline, IL 61265

DHCU may terminate Service to any individual at any time with cause, but without advance notice. Neither termination nor discontinuation shall affect your liability or obligation under this Agreement.

Specifically we reserve the right to cancel access if the DHCU HomeBranch service has not been used in a 90 day time period. BillPay privileges are suspended if your loan (s) at DHCU Community Credit Union are 45 days or more delinquent.

Payee Limitations
The Service reserves the right to refuse to pay any person or entity to whom you may direct a payment. The Service is obligated to notify you promptly if it decides to refuse to pay a person or entity designated by you. This notification is not required if you attempt to pay tax or court- related payments or payments outside the United States and its possessions/territories (American Samoa, Guam, Marshall Islands, Micronesia, N. Mariana Islands, Palau, Puerto Rico and the Virgin Islands), which are prohibited under this Agreement.

Information Authorization
Through your enrollment in the HomeBranch BillPay Service, you agree that DHCU(or its third-party bill pay service provider) reserves the right to request a credit agency report and/or a review of your credit rating at its own expense through an authorized credit agency/bureau. In addition, you agree that the Service reserves the right to obtain financial information regarding your account from a merchant or financial institution to resolve payment-posting problems.

Disputes
In the event of a dispute regarding the Service, you and the Service agree to resolve the dispute by looking to this Agreement. You agree that this Agreement is the complete and exclusive statement of the agreement between you and the Service which supersedes any proposal or prior agreement, oral or written, and any other communications between you and the Service relating to the subject matter of this Agreement. If there is a conflict between what one of the Service's employees says and the terms of this Agreement, the terms of this Agreement shall control.

Assignment
You may not assign this Agreement to any other party. The Service may assign this Agreement to any future, directly or indirectly, affiliated company. The Service may also assign or delegate certain of its rights and responsibilities under this Agreement to independent contractors or other third-party service providers.

No Waiver
The Service shall not be deemed to have waived any of its rights or remedies hereunder unless such waiver is in writing and signed by the Service. No delay or omission on the part of the Service in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.

Captions
The captions of Sections hereof are for convenience only and shall not control or affect the meaning or construction of any of the provisions for this Agreement.

Governing Law
This Agreement shall be governed by and construed in accordance with the laws of the State of Illinois, United States of America, without regard to its conflicts of laws provisions.

Funds Availability Policy

Our general policy on transaction accounts such as checking accounts is to make funds from your deposits available to you on the day we receive your deposit. This includes electronic direct deposits. Once they are available, you can withdraw the funds in cash and we will use the funds to pay checks you have written.

For determining the availability of your deposits, every day is a business day except Saturdays, Sundays and Federal Holidays. If you make a deposit before 5:00pm 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 5:00pm or on a day we are not open, we will consider that the deposit was made on the next business day we are open.

Longer Delays May Apply:  In some cases, we will not make all of the funds that you deposit by check available to you on the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit and may be held as long as seven business days after the day of your deposit. However, the first $100 of your deposits will be available on the first business day after we receive your deposit.

If we are not going to make all of the funds from your deposit available on the business day of your deposit, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you a notice by the day after we receive your deposit.

If you will need funds from a deposit right away, you should ask when the funds will be available.

In addition, 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 $5,000 on any one day.
• You redeposit a check that has been returned unpaid.
• You have repeatedly overdrawn your account in the last six months.
• There is an emergency, such as failure of communications or computer 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 seventh business day after the day of your deposit.

Deposits at Automated Teller Machines:  The first $100 of your initial deposit (cash or checks) made at any DHCU Community Credit Union owned Automated Teller Machines (ATM) will be available on the business day you make the deposit. Our general policy is to make the rest of the deposit(s) available on the next business day. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit and may be held for as long as seven business days after the day of your deposit. Deposits may be made at nonproprietary ATM, machine owned and operated by other financial institutions, offering the deposit option. All deposits are subject to verification. The first $100 of your initial deposit (cash or checks) made at any Automated Teller Machines (ATM) will be available on the business day you make the deposit. Our general policy is to place a five business day hold on the rest of the deposit, however, funds may be held as long as eleven business days after the day of your deposit. (see above for  DHCU machines location)

Availability of funds will be $300 per day at network or DHCU Community Credit Union owned ATM machines. . Members with a DHCU Community Credit Union checking account availability of funds is $500 per day.

Special Rules for New Accounts:  If you are a new member, the following special rules will apply the first 30 days your transaction account such as a checking account is open. Funds from electronic deposits into your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers and the first $5,000 of cashier's checks, certified, teller's, traveler's, and federal, state and local government checks will be available on the first 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 $5,000 will be available on the ninth 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 $5,000 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available on the eleventh business day after the day of your deposit.

We welcome further questions that you may have regarding the availability of your deposited funds.

Truth In Savings Disclosure
We offer these deposit accounts for members. We reserve the right to require business transactions to be conducted through a commercial transaction account. Please refer to Appendix A for a complete listing of all fees charged by DHCU Community Credit Union. To obtain current rate and annual percentage yield please call 309-796-7500 or 1-800-323-5109.

Regular Savings Account

Rate Information  The dividend rate and annual percentage yield are disclosed on the separate insert or on the last column of this brochure. This is a variable rate account. The rate and the annual percentage yield may change at any time as determined by the Board of Directors. This is a Tiered-Rate Account. An average daily balance of $10,000 or more will earn the higher dividend rate and annual percentage yield disclosed. An average daily balance of $100, but less than $10,000, will earn the lesser dividend rate and annual percentage yield disclosed. Average daily balances of less that $100 will not earn dividend.

Balance Computation Method:  We use the average daily balance method to calculate dividends on your account. This method applies a periodic rate to the average daily balance in the account for the dividend period. The average daily balance is calculated by adding the balance in the account for each day of the dividend period and dividing that figure by the number of days in the dividend period. You must maintain a minimum average daily balance of $100 in your account to obtain the disclosed annual percentage yield.

Compounding and Crediting:  Dividends will be compounded monthly and credited monthly. If, however, the account is closed on or before the last day of the month, any dividends accrued will be forfeited. For this account, the dividend period is monthly. For example, the beginning date of the first dividend period for the calendar year is January 1st and the ending date of such dividend period is January 31st. All other dividend periods follow the same pattern of dates. The dividend declaration date follows the ending date of a dividend period which for the example, is January 31st.

Balance Information:  The minimum balance to open the regular savings account is $5 and is payable upon application for membership or in payroll deduction installments of at least $5 per week. We use the average daily balance method to calculate dividends on your account. This method applies a periodic rate to the average daily balance in the account for the dividend period. The average daily balance is calculated by adding the balance in the account for each day of the dividend period and dividing that figure by the number of days in the dividend period. This is a Tiered-Rate Account. An average daily balance of $10,000 or more will earn the highest dividend rate and annual percentage yield disclosed. An average daily balance of $100, but less than $10,000, will earn the lessor dividend rate and annual percentage yield disclosed. Average daily balance of less than $100 will not earn dividend. Dividends will begin to accrue on the business day you deposit noncash items (e.g.checks) to your account.

A member who fails to complete the minimum balance of $5 within 2 months of his/her application for membership may be terminated from membership. Or a member who reduces his savings balance (after 2 month grace period) below the minimum savings requirement and does not increase the balance to at least the minimum savings requirement within 30 days, may be imposed a monthly fee and/or his membership may be terminated. See Appendix A for a complete fee schedule.

Advance Notice of Withdrawal:  This account is subject to the Credit Union's right to require a 7 day advance notice of withdrawal as provided in its bylaws.

Fees:   A monthly account maintenance fee may be assessed if there has been no activity to any of your accounts for 12 months and the total balance in all accounts is below $100 and the account owner is 24 years of age and older. A fee for a non-sufficient funds transfer is assessed for transfers from another share and/or Visa. If you are approved based on your deposit and credit report, you may obtain an Automated Teller Machine (ATM)/DHCU CheckCard. With an ATM/DHCU CheckCard, you can make cash withdrawals from ATMs (DHCU or network owned) up to the daily limit of $500 (members with DHCU checking accounts) or $300 (members without DHCU checking accounts. A replacement fee may be assessed for lost, damaged or worn ATM cards. A transaction fee will be charged for each withdrawal, inquiry or transfer made at a network owned machine. There is no fee for transactions performed at DHCU owned ATM machines. DHCU Community Credit Union will cash checks Free for our members that: have $100 or more, in combined deposit and loan balances with DHCU; Have a checking, IRA, loan, VISA, CheckCard/ATM card, mortgage or a recurring direct deposit with DHCU; Are 23 years of age or younger and the check is made payable to the youth. We will cash checks for members that do not meet the above criteria, assessing a fee per check cashed. See Appendix A for a complete listing of fees charged by DHCU Community Credit Union.

Nature of Dividends:  Dividends are paid from current income and available earnings, after required transfers to reserves at the end of the dividend period.

Checking Accounts and Overdraft Transfer Clause
The Credit Union is authorized to pay checks signed by the member (or joint owner) and to charge such payments against the balance in the checking account. These accounts are subject to such other terms, conditions and service charges as the Credit Union may establish from time to time. Direct deposit including government benefits may be used to cover overdrawn accounts.

Basic Checking:   To open this account you must have an initial deposit of $5 in your regular savings account. A deposit in the amount equal to or greater than the cost of the original imprinted check order is also required to open a checking account. When you sign up for an electronic deposit, such as Social Security, Pension or Net Pay, you're eligible to receive a discount on personalized checks to be used with your DHCU checking account. No dividends are paid on Basic Checking Accounts.

Checking Advantage:   To open this account you must have an initial deposit of $5 in your regular savings account. With this account, you receive free personalized DHCU Custom Checks. The Checking Advantage Account may have a service charge. See DHCU Community Credit Union's fee schedule (Appendix A) for details. Dividends are paid on this account based on the average daily balance during the dividend period. No dividends are paid if the average daily balance during the dividend period is less than $100. See the separate insert.

Checking Rewards:   To open this account you must have a minimum balance of $5 in a regular savings account. A minimum deposit of $2,500 is required to open the Checking rewards Account. You must have an average daily statement balance of $2,500 to avoid any fees. See DHCU Community Credit Union's fee Schedule (Appendix A) for details. Dividends are paid on this account based on the average daily statement balance during the dividend period. No dividends are paid if the average daily balance during the dividend period is less than $1,000. See the separate insert.

Business Checking:  You may have a Business Checking Account as long as you maintain the required balance of $5 in the business Savings Account. A Business Account is an account held in a non-natural person's name. Trust Accounts, Estate Accounts and Not-For-Profit Accounts are not considered Business Accounts. A deposit in the amount equal to or greater than the cost of the original imprinted check order is required to open the Business Checking Account. Checks made payable to a non-natural person will be considered Business Accounts. Deposits made to a Business Account after 2:00pm may not be processed until the following business day. The Business Checking Account may have service charges. See DHCU Community Credit Union's business fee schedule for details.

Pick Your Perk with ATM Refunds: To open this account you must have an initial deposit of  $5 in your regular savings account. With this account you receive free personalized DHCU Custom Checks with a recurring direct deposit of $100 or more per month. The Pick Your Perk Account  may have a service charge.  See DHCU Community Credit Union’s fee schedule (Appendix A) for details. No dividends are paid on Pick Your Perk Checking Accounts.  When using a non-DHCU owned ATM, DHCU assesses a 50 cent fee for each ATM withdrawal, balance inquiry and transfer, plus, the machine owner may assess an additional surcharge fee.  DHCU will refund these fees incurred completed at machines within the continental United States, up to $6 per month/$72 per calendar year. Free ATM transaction is available if Perk is selected by account owner – only one perk per account. Could not receive FREE ATM transactions and CashBack Rebate.   The DHCU CheckCard is a debit card and is issued  subject to approval. For complete details, refer to the DHCU Account Disclosure.

Pick Your Perk with CashBack:

Rate Information:  The dividend rate and annual percentage yield is disclosed on the separate insert. This is a variable rate account. The dividend rate and the annual percentage yield may change at any time as determined by the Board of Directors.CheckingRewards is a Tiered-Rate Account. An average daily balance of $5,000 or more will earn the higher dividend rate and annual percentage yield disclosed. An average daily balance of $1,000, but less than $5,000, will earn the lesser dividend rate and annual percentage yield disclosed.

Balance Computation Method:  We use the average daily balance method to calculate dividends on your account. This method applies a periodic rate to the average daily balance in the account for the dividend period. The average daily balance is calculated by adding the balance in the account for each day of the dividend period and dividing that figure by the number of days in the dividend period. You must maintain a minimum average daily balance of $100 in your Checking advantage Account and a minimum average daily balance of $1,000 in your Checking rewards Account to receive dividends. Basic Checking does not receive dividends.

Compounding and Crediting:  Dividends will be compounded monthly and credited monthly. If, however, the account is closed on or before the last day of the month, any dividends accrued will be forfeited. For this account, the dividend period is monthly. For example, the beginning date of the first dividend period for the calendar year is January 1st and the ending date of such dividend period is January 31st. All other dividend periods follow the same pattern of dates. The dividend declaration date follows the ending date of a dividend period which for the example, is January 31st.

Balance Information:  We use the average daily balance method to calculate dividends on your account. This method applies a periodic rate to the average daily balance in the account for the dividend period. The average daily balance is calculated by adding the balance in the account for each day of the dividend period and dividing that figure by the number of days in the dividend period. You must maintain a minimum average daily balance of $100 in your Checking Advantage Account to obtain the disclosed annual percentage yield. Checking rewards is a Tiered-Rate Account. An average daily balance of $5,000 or more will earn the higher dividend rate and annual percentage yield disclosed. An average daily balance of $1,000, but less that $5,000, will earn the lesser dividend rate and annual percentage yield disclosed. You must maintain a minimum average daily balance of $1,000 in your Checking rewards Account to receive dividends. Basic checking accounts do not receive dividends. Dividends will begin to accrue on the business day you deposit non-cash items (e.g. checks) to your account.

Fees:  An account maintenance fee may be assessed to this account if there has been no activity to any of your accounts for 12 months and the total balance in all your accounts is below $100 and the account owner is 24 years of age and older. A fee is imposed for overdrafts "created by checks, in-person withdrawals, ATM withdrawals or by other electronic means" as applicable. See Appendix A for a complete listing of fees charged by DHCU Community Credit Union.

Advance Notice of Withdrawals:  This account is subject to the Credit Union's right to require a 7 day advance notice of withdrawal as provided in the bylaws.

Nature of Dividends:  Dividends are paid from current income and available earnings, after required transfers to reserves at the end of the dividend period.

The following information applies to Basic Checking, Checking advantage and Checking rewards accounts:

Payment of Checks:  Only checks and other methods approved by the Credit Union may be used to make withdrawals from this account. The Credit Union is under no obligation to pay a check that exceeds the fully paid and collected balance in the account. The Credit Union may pay a check on whatever day it is presented for payment, notwithstanding the date (or limitation on the time presented for payment) appearing on the check.Transactions may not be processed in the order they occurred. Checks clear your account largest dollar amount to smallest dollar amount.

Eligibility:  A member must be 18 years of age to have a checking account in his/her own name. At age 16, a member may have a checking account, provided a parent or legal guardian is signed as joint owner.

Overdraft Coverage:  In the event you write a check, ATM withdraw or by other electronic means, as applicable, which results in the checking account being overdrawn, the Credit Union will attempt to honor the transaction via the following methods, in this order:

Automatic Transfer:  The Credit Union will automatically transfer funds from the member's savings accounts. Funds will be transferred in the amount of the resulting overdraft, plus a service charge, from any other savings type or any other savings or checking account from which the member is then eligible to withdraw.

VISA Overdraft Protection:  For those members who have applied and been approved for VISA SafeDraft Overdraft Protection, the Credit Union will automatically transfer from your VISA credit card account in multiples of $100, as required, up to the line of credit established on your DHCU credit card account plus a service charge. See Appendix A for a complete listing of all fees. Transfers will not be made if your credit card account is over limit or contractually past due. A finance charge will be assessed on the same basis as any other credit card cash advance in accordance with the credit card agreement.

Courtesy Pay Overdraft Protection: An additional overdraft protection program available to all Checking Account members. There is a 60 day waiting period before Courtesy Pay is available on all new and re-opened checking accounts. You’ll enjoy an added layer of protection that may save you money. With Courtesy Pay you’ll eliminate the worry of returned checks when you overdraw your checking account. Courtesy Pay automatically covers checks and electronic payments that overdraw your checking account. Each time Courtesy pay is activated to cover a check or other item, the items are paid instead of returned and your account goes negative. The merchant never knows that you were overdrawn savings you embarrassment and additional fees that may be assessed by the merchant when a check is returned.

An insufficient balance could result in several ways, such as (a) the payment of checks, electronic funds transfer, ATM withdrawal, point-of-sale, or other withdrawal requests: (b) payments authorized by you; (c) the return of unpaid items deposited by you; (d) the imposition of credit union service charges; or (e) the 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 your account does not contain sufficient funds. However, if you maintain your account in good standing, defined as making regular deposits to bring your account to positive balance at least once every 30 days, and there are not legal orders outstanding, we may approve your reasonable overdrafts as a non-contractual courtesy. Normally we will not approve an overdraft for you in excess of your limit plus our overdraft charge. We may refuse to pay an overdraft for you at any time, although we may have previously paid overdrafts for you. You will be notified by mail of any non-sufficient funds items paid or returned that you may have; however, we have no obligation to notify you before we pay or return any item. The amount of any overdraft plus our Insufficient Funds handling fee charge(s) and any daily overdraft fee(s) that you owe us shall be due and payable upon demand. If there is an overdraft paid by us on an account with more than one (1) member on the signature card, each member, and agent if applicable, drawing/presenting the item creating the overdraft, shall be jointly and severally liable for such overdraft, plus our Insufficient Funds handling fee charge(s). A fee may be imposed for covering overdrafts "created by check, in-person withdrawals, ATM withdrawals, or other electronic means," as applicable. See Appendix A for a complete listing of fees charged by DHCU Community Credit Union. More than one overdraft fee may be charged against the account per day, depending on the number of checks presented and other withdrawals made from, the members account. See Appendix A for a complete listing of fees charged by DHCU Community Credit Union Transactions may not process in the order in which they occurred. Checks clear your account largest dollar amount to smallest dollar amount.
Once Courtesy Pay is activated, the items are paid instead of returned and your account goes negative. It is your responsibility to correct any balance deficiency as quickly as possible. A deposit must be made within 30 days, after that, our normal collection process begins.

Courtesy Pay Limits*
$400 Basic Checking
$400 New Horizons Basic Checking
$400 EZ Route Student Checking
$500 Pick Your Perk Checking
$500 New Horizons Checking Advantage
$500 Checking Advantage
$1500 New Horizon Checking Rewards
$1500 Checking Rewards

Fees charged for covering overdrafts, as well as the amount of the overdraft item, will be subtracted from any overdraft protection limit disclosed.

Cancellation/Termination: A member can opt out of Courtesy Pay at any time. However, there are cases when it may be cancelled at the credit union’s discretion.

Limitations:  Available to individually owned checking accounts in good standing for personal or household use. DHCU Community Credit Union reserves the right to limit participation to one account per household and to discontinue this product at any time.
If sufficient funds are NOT in the account and an automatic transfer, VISA transfer or Courtesy Pay is not available, the check will be returned unpaid and an NSF fee will be assessed. NSF activity constitutes grounds for closing a checking account.

Monthly Statements:  You will receive a descriptive statement of your checking account for each month that your account is active. This statement will itemize all deposits and checks (including check number) presented during the month. Any discrepancies must be reported to the Credit Union within 60 days of the statement mailing.

Cancelled Checks:  When checks are paid, they become the property of the Credit Union and will not be returned with the periodic statement. A copy of any original or copy of a substitute check may be obtained for a minimum fee. See Appendix A for complete listing of all Credit Union fees.

Check Orders:  Many check styles are available for you to select and prices do vary. If you have Basic Checking and you sign up for an electronic direct deposit, such as Social Security, Pension or net pay, you're eligible to receive discounted personalized checks to be used with your DHCU checking account. If you have a Checking advantage account you are eligible to receive free personalized DHCU Custom style checks.

Stop Payment Service:  A stop payment may be requested on any unpaid check. A stop payment fee will be charged. Stop payment requests may be made in any office or initiated by a telephone call. Once initiated, a stop payment will remain valid for one year. If a stop payment is cancelled, the stop payment fee may not be reimbursed. See Appendix A for a complete listing of all fees.

Balancing Statements:  Easy-to-follow instructions are printed on the back of each monthly statement. At your request, the Credit Union will balance your account for a nominal fee. See Appendix A for a complete listing of all fees.

Verification of Funds:  The Credit Union is authorized to verify funds when contacted by payees or endorsers.

Direct Deposit:  If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, you can call us at 309-796-7500 or toll-free 1-800-323-5109 to find out whether or not the deposit has been made.
The Credit Union may grant you provisional credit on your account for a Direct Deposit before it receives final settlement for the deposit. If in connection with a direct deposit plan, we deposit to your account any amount which should have been returned to the Federal Government or the Originator of your direct deposit, you authorize us to deduct the amount of the liability to the Federal Government or the Originator of your direct deposit from any account you have with us, without prior notice and at any time, except as prohibited by law. We may also use any other legal remedy to recover the amount of our liability.

ACH & WIRE Transfer:  If provided by the Credit Union, you may initiate or receive credits or debits to your account via wire transfer or ACH transfer. You agree that if you receive funds by a wire or ACH transfer, the Credit Union is not required to notify you at the time the funds are received. Instead, the transfer will be shown on your periodic statement. You may call us at 309-796-7500 or toll-free 1-800-323-5109 to see if the ACH or Wire Transfer has been made. The Credit Union may provisionally credit your account for an ACH transfer before it receives final settlement for the transfer. You agree that if the Credit Union does not receive final settlement for an ACH transfer, we may reverse the provisional credit to your account or you will refund the amount to the Credit Union. When you initiate a wire transfer, you may identify either the recipient or any financial institution by name and by account number or identifying number. The Credit Union (and other institutions) may rely on the account number or other identifying numbers as the proper identification even if it identifies a different party or institution. Wire transfers are governed by Federal Reserve Regulation J if the transfer is cleared through the Federal Reserve. ACH transactions are governed by the rules of the National Automated Clearing House Association.

Authorized Signers/Power of Attorney:  An authorized signer is someone to whom you give all rights you have now or in the future to make withdrawals and deposits. Merely by designating an authorized signer you do not intend to give any ownership rights in the account. We are not required to recognize any power of attorney to act on an account. If we accept a Power of Attorney, we are entitled to continue to recognize the authority of your Power of Attorney until we receive written notice of revocation or termination and have had a reasonable time to act on the notice. We also reserve the right to restrict the types or sizes of transactions we will permit a Power of Attorney to conduct.

Rate Information:  The dividend rate and annual percentage yield is disclosed on the separate insert. This is a variable rate account. The dividend rate and the annual percentage yield may change at any time as determined by the Board of Directors. This is a Tiered-Rate Account. An average daily balance of $10,000 or more will earn the higher dividend rate and annual percentage yield disclosed. An average daily balance of $100, but less that $10,000, will earn the lesser dividend rate and annual percentage yield disclosed. Average daily balances of less than $100 will not earn dividends.

Balance Computation Method:  We use the average daily balance method to calculate dividends on your account. This method applies a periodic rate to the average daily balance in the account for the dividend period. The average daily balance is calculated by adding the balance in the account for each day of the dividend period and dividing that figure by the number of days in the dividend period. You must maintain a minimum average daily balance of $100 in your account to obtain the disclosed annual percentage yield.

Compounding and Crediting:  Dividends will be compounded monthly and credited monthly. If, however, the account is closed on or before the last day of the month, any dividends accrued will be forfeited. For this account, the dividend period is monthly. For example, the beginning date of the first dividend period for the calendar year is January 1st and the ending date of such dividend period is January 31st. All other dividend periods follow the same pattern of dates. The dividend declaration date follows the ending date of a dividend period which for the example, is January 31st.

Balance Information:  There is no minimum balance for this account. We use the average daily balance method to calculate dividends on your account. This method applies a periodic rate to the average daily balance in the account for the dividend period. The average daily balance is calculated by adding the balance in the account for each day of the dividend period and dividing that figure by the number of days in the dividend period. This is a Tiered-Rate Account. An average daily balance of $10,000 or more will earn the higher dividend rate and annual percentage yield disclosed. An average daily balance of $100, but less than $10,000,will earn the lesser dividend rate and annual percentage yield disclosed. Average daily balance of less than $100 will not earn dividends. Dividends will begin to accrue on the business day you deposit non-cash items (e.g. checks) to your account.

Fees:  An account maintenance fee may be assessed to this account if there has been no activity to any of your accounts for 12 months and the total balance in all your accounts is below $100 and the account owner is 24 years of age and older. See Appendix A for a complete listing of all fees.

Advance Notice of Withdrawal:  This account is subject to the Credit Union's right to require a 7 day advance notice of withdrawal as provided in its bylaws.

Nature of Dividends:  Dividends are paid from current income and available earnings, after required transfers to reserves at the end of the dividend period.

Balance Transfer:  The Christmas Club balance as of November 1 each year will be transferred to the Regular Savings Account.

Rate Information:  The dividend rate and annual percentage yield are disclosed on the separate insert. This is a variable rate account. The rate and annual percentage yield may change at any time as determined by the Board of Directors. This is a Tiered-Rate Account. An average daily balance of $100,000 or more will earn the higher dividend rate and annual percentage yield disclosed. An average daily balance of $50,000 but less than $100,000 will earn the lesser dividend rate and annual percentage yield disclosed. An average daily balance of $25,000 but less than $50,000 will earn the lesser dividend rate and annual percentage yield disclosed. An average daily balance of $10,000 but less than $25,000 will earn the lesser dividend rate and annual percentage yield disclosed. An average daily balance of $100 but less than $10,000 will earn the lesser dividend rate and annual percentage yield disclosed. Average daily balances of less than $100 will not earn dividends.

Balance Computation Method:  We use the average daily balance method to calculate dividends on your account. This method applies a periodic rate to the average daily balance in the account for the dividend period. The average daily balance is calculated by adding the balance in the account for each day of the dividend period and dividing that figure by the number of days in the dividend period. You must maintain a minimum average daily balance of $100 in your account to obtain the disclosed annual percentage yield.

Compounding and Crediting:  Dividends will be compounded monthly and credited monthly. If, however, the account is closed on or before the last day of the month, any dividends accrued will be forfeited. For this account, the dividend period is monthly. For example, the beginning date of the first dividend period for the calendar year is January 1st and the ending date of such dividend period is January 31st. All other dividend periods follow the same pattern of dates. The dividend declaration date follows the ending date of a dividend period which for the example, is January 31st.

Balance Information:  We use the average daily balance method to calculate dividends on your account. This method applies a periodic rate to the average daily balance in the account for the dividend period. The average daily balance is calculated by adding the balance in the account for each day of the dividend period and dividing that figure by the number of days in the dividend period. This is a Tiered-Rate Account. An average daily balance of $100,000 or more will earn the higher dividend rate and annual percentage yield disclosed. An average daily balance of $50,000 but less than $100,000 will earn the lesser dividend rate and annual percentage yield disclosed. An average daily balance of $25,000 but less than $50,000 will earn the lesser dividend rate and annual percentage yield disclosed. An average daily balance of $10,000 but less than $25,000 will earn the lesser dividend rate and annual percentage yield disclosed. An average daily balance of $100 but less than $10,000 will earn the lesser dividend rate and annual percentage yield disclosed. Average daily balances of less than $100 will not earn dividends. Dividends will begin to accrue on the business day you deposit non-cash items (e.g. checks) to your account.

Advance Notice of Withdrawal:  This account is subject to the Credit Union's right to require a 7 day advance notice of withdrawal as provided in its bylaws.

Fees:  An account maintenance fee may be assessed to this account if there has been no activity to any of your accounts for 12 months and the total balance in all your accounts is below $100 and the account owner is 24 years of age and older. See Appendix A for a complete listing of all fees.

Transaction Limitations:  During any statement cycle, you may not make more than six withdrawals or transfers to another Credit Union account of yours or to a third party by means of a pre-authorized or automatic transfer or telephone order or instruction.

Nature of Dividends:  Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.

Rate Information:  The dividend rate and annual percentage yield is disclosed on the separate insert. This is a variable rate account. The rate and annual percentage yield may change at any time as determined by the Board of Directors. This is a Tiered-Rate Account.  Average daily balances of less than $100 will not earn dividends.

Balance Computation Method:  We use the average daily balance method to calculate dividends on your account. This method applies a periodic rate to the average daily balance in the account for the dividend period. The average daily balance is calculated by adding the balance in the account for each day of the dividend period and dividing that figure by the number of days in the dividend period.

Compounding and Crediting:  Dividends are compounded monthly and will be credited monthly. If, however, the account is closed on or before the last day of the month, any dividends accrued will be forfeited. For example, the beginning date of the first dividend period of the calendar year is January 1st and the ending date of such dividend period is January 31st. All other dividend periods follow the same pattern of dates. The dividend declaration date follows the ending date of a dividend period which for the example is January 31st.

Advance Notice of Withdrawal:  This account is subject to the Credit Union's right to require a 7 day advance notice of withdrawal as provided in its bylaws.

Balance Information:  There is a $5 minimum balance to open this account, unless the IRA is a Certificate. Normal Certificate rules apply to IRA Certificates. We use the average daily balance method to calculate dividends on your account. This method applies a periodic rate to the average daily balance in the account for the dividend period. The average daily balance is calculated by adding the balance in the account for each day of the dividend period and dividing that figure by the number of days in the dividend period. This is a Tiered-Rate Account.   Average daily balances of less than $100 will not earn dividends. Dividends will begin to accrue on the business day you deposit non-cash items (e.g. checks) to your account.

Transaction Limitations:  IRA transactions are subject to IRS rules and regulations. Please see your IRA account agreements and disclosures for details.

Nature of Dividends:  Dividends are paid from current income and available earnings, after required transfers to reserves at the end of the dividend period.

IRA Money Market Deposit Rules

You may have a Money Market Account under your primary account number as long as you have the minimum required balance of $5 in your Regular Savings Account.
Rate Information:  The dividend rate and annual percentage yield is disclosed on a separate insert. This is a variable rate account. The rate and annual percentage yield may change at any time as determined by the Board of Directors. This is a Tiered-Rate Account, Average daily balances of less than $100 will not earn dividends.
Balance Computation Method:  We use the average daily balance method to calculate dividends on your account. This method applies a periodic rate to the average daily balance in the account for the dividend period. The average daily balance is calculated by adding the balance in the account for each day of the dividend period and dividing that figure by the number of days in the dividend period.
Compounding and Crediting:  Dividends will be compounded monthly and credited monthly. If, however, the account is closed on or before the last day of the month, any dividends accrued will be forfeited. For this account, the dividend period is monthly. For example, the beginning date of the first dividend period for the calendar year is January 1st and the ending date of such dividend period is January 31st. All other dividend periods follow the same pattern of dates. The dividend declaration date follows the ending date of a dividend period which for the example is January 31st.
Advance Notice of Withdrawal:  This account is subject to the Credit Union's right to require a 7 day advance notice of withdrawal as provided in its bylaws.
Balance Information:  We use the average daily balance method to calculate dividends on your account. This method applies a periodic rate to the average daily balance in the account for the dividend period. The average daily balance is calculated by adding the balance in the account for each day of the dividend period and dividing that figure by the number of days in the dividend period. This is a Tiered-Rate Account. Average daily balances of less than $100 will not earn dividends. Dividends will begin to accrue on the business day you deposit non-cash items (e.g. checks) to your account.
Transaction Limitations:  IRA transactions are subject to IRS rules and regulations. Please see your IRA account agreements and disclosures for details.
Nature of Dividends:  Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.

Certificate Rules - For Certificates other than 5 Year Variable Certificate:  You may have a Certificate account under your primary account number as long as you have the minimum required balance of $5 in your Regular Savings Account.

Rate Information:  The dividend rate and annual percentage yield is disclosed on the separate insert. You will be paid the disclosed dividend rate and annual percentage yield until the maturity of the certificate. This is a fixed rate account. Dividends begin to accrue on the business day you deposit any noncash items (e.g., checks). Members with checking accounts may receive a higher rate of dividend on their certificate. The Board of Directors determines rates for Certificate accounts.

Balance Computation Method:  We use the daily balance method to calculate dividends on your account. This method applies a periodic rate to the principal in the account at the end of each day.

Compounding and Crediting:  Dividends will be compounded and credited at a frequency determined by you, either monthly, quarterly, semi-annually or annually. Monthly dividends are posted on the last day of the month. Quarterly dividends are posted March 31st, June 30th, September 30th and December 31st. Semi-annual dividends are posted June 30th and December 31st. Annual dividends are posted December 31st.

Balance Information:  The minimum balance to open a Certificate account is $1,000. Youth accounts, 0 to 23 years of age, may open a new certificate with a minimum balance of $500. Dividends are calculated on the daily balance method that applies a daily periodic rate to the balance in the account at the end of each day. Dividends will begin to accrue on the business day you deposit non-cash items (e.g. checks) to your account.

Withdrawal of Dividends:  The annual percentage yield assumes that dividends remain in the account until maturity. A withdrawal will reduce earnings.

Transaction Limitations:  After this account is opened, you may not make deposits to this account.

Early Withdrawal Penalty:  If your Certificate account is withdrawn prior to maturity, you will be charged a penalty of up to 90 days accrued interest on the entire amount of the Certificate. No penalty will be imposed if the withdrawal is due to the death of any owner or if any owner is judged legally incompetent.

Renewal Policy and Grace Period:  Your certificate account will automatically renew at maturity for the same term at the dividend rate in effect on the maturity date. A seven-day grace period follows the maturity of this account if all the funds are re-invested in a certificate. If all funds are not re-invested within seven business days, no interest will be paid on the matured funds.

You may have a Certificate account under your primary account number as long as you have the minimum required balance of $5 in your Regular Savings Account. Regular deposit and/or payroll deduction installments of $5 or more may be added to the 5-Year Variable Certificate.

Rate Information:  The dividend rate and annual percentage yield is disclosed on the separate insert or on the last column of this brochure. This is a variable rate account. The dividend rate and annual percentage yield may change quarterly as determined by the Board of Directors. For this account, the beginning date of the first quarter period for the calendar year is January 1st and the ending date of such quarter period is March 31st. All other quarter periods follow the same pattern of dates.

Balance Computation Method:   We use the daily balance method to calculate dividends on your account. This method applies a periodic rate to the principal in the account at the end of each day.

Compounding and Crediting:  Dividends will be compounded and credited monthly,on the last day of the month.

Balance Information:  The minimum balance to open this certificate account is $1,000. Youth accounts, 0 to 23 years of age, may open a new certificate with a minimum balance of $250. Dividends are calculated on the daily balance method which applies a daily periodic rate to the balance in the account at the end of each day. Dividends begin to accrue on the business day you deposit any non-cash items (e.g., checks). The Board of Directors determines rates for certificate accounts.

Withdrawals of Dividends:  The annual percentage yield assumes that dividends remain in the account until maturity. A withdrawal will reduce earnings.

Early Withdrawal Penalty:  If this certificate account is withdrawn prior to maturity, you will be charged a penalty of up to 90 days accrued dividend on the entire amount in the account. No penalty will be imposed if the withdrawal is due to death of the member or if the member is judged legally incompetent.

Renewal Policy and Grace Period:  This account will automatically renew at maturity for the same term at the dividend rate in effect on the maturity date. A seven day grace period follows the maturity of this account if all the funds are re-invested in a certificate. If all funds are not re-invested within seven business days, no interest will be paid on the matured funds.

DHCU Community Credit Union, in the interest of protecting the assets of the Credit Union and maximizing dividends to members, has adopted the following policy. The policy provides for expulsion of members who have caused a loss to the Credit Union. Expulsion may result, upon board action, in the situations described below.
Expulsion Criteria:  Member-caused loss that may subject the member to expulsion action by the Board of Directors includes the following:

Members failure to pay amounts due under a loan."Amounts due" includes, without limitation:

Principal
Interest Fees and charges Financed insurance premiums Collection agency charges or attorney's fees incurred in collecting amounts due under a note or guarantee

Repossessing and liquidating fees of collateral under a security agreement, or in obtaining a deficiency judgment.

DHCU Community Credit Union is a not-for-profit member owned, cooperative. Your credit union is managed by a full-time professional staff for the exclusive benefit of its members. There are no outside stockholders. Instead, a volunteer Board of Directors is elected each year by the membership. After paying operating expenses and reserves, all remaining income is returned to the members in the form of higher dividends on savings, lower rates on loans, reduced fees and enhanced services. As a member, each time you look to DHCU Community Credit Union for financial services, you're helping yourself by making an investment back into the institution you own.

As a cooperative, our philosophy is that each member receives his or her fair share. Fees are paid by the member as he or she uses a service. We strive to keep all costs and fees at a minimum, without sacrificing service or quality. We regularly monitor other area financial institutions making certain we are near the lowest. Unfortunately, fees are a reality. We believe our fee philosophy is the most equitable for all members.