Disclosures

Account & Service Fee Schedule | ACH Funds Transfers | Consumer Liability for Electronic Funds Transfers | Digital Banking Agreement & Disclosures | Electronic Funds Transfers Agreement (EFT) Initial Disclosure (No Access Device) | Electronic Funds Transfer and Cardholders Agreement | Electronic Record and Signature Disclosure |Equal Opportunity for All | Membership Agreement & Disclosures | Privacy Notice | Regulation CC | Regulation J | Share Draft Agreement with Limited Overdraft Transfer Clause | Truth in Savings |

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Your Credit Union

"You" and "Your" shall mean the member who owns the account at the Credit Union, as well as any other owner on the account.

Your Credit Union. Community Credit Union is unique in the financial world. It is a co-op, owned by you and your fellow members and operated in your common interest. Your credit union is non-profit and exists only to serve you. As a credit union member, you own, operate, and control your credit union through your Board of Directors. You are entitled to elect and be elected to the volunteer Board of Directors, which is composed of your fellow members and manages the credit union based on the needs and wishes of the members. The Board of Directors ratify dividend rates, loan interest rates, and fees, among other things, and also determines credit union policy such as that set forth in this Agreement. In addition, your credit union works cooperatively with Maine’s other credit unions and the Maine Credit Union League, pooling resources for research and development of cost- effective services which benefit not only you and your fellow members, but all credit union members in Maine.

General Terms

This Agreement contains the terms and conditions governing your membership in and accounts offered by your Credit Union. By signing your membership card and/or account agreement(s), you accept and agree to be bound by the provisions as set forth in them, this Agreement, the rate and fee disclosures applicable to your account(s) with your credit union, your credit union’s charter and bylaws, and any amendments or changes in terms to any of them. An electronic agreement also binds members to all provisions. The Credit Union reserves the right to change any and all terms and conditions of any of them. You will receive notice of any changes in terms in accordance with all applicable state and federal laws and regulations.

The terms and conditions as set forth in this Agreement are applicable to all types of accounts offered by your credit union. There may be different or more specific terms and conditions which apply to certain accounts. Those different or specific terms are contained in the membership card, share certificate, or other documents evidencing the account. To the extent that those documents contain different terms from, or terms that are not included in, this Agreement, the terms in those documents supersede the terms contained in this Agreement.  

Privileges of Credit Union Membership

Being a credit union member carries with it many privileges, including check cashing ability; the ability to open accounts other than ordinary share accounts, such as share draft accounts; to make and receive electronic funds transfers and wire transfers; and to obtain loans and lines of credit. However, it is your credit union’s policy to deny these privileges to members who cause a loss to the credit union for any reason. Therefore, if you cause a loss to your credit union, and thus to your fellow members, you will lose your privileges of credit union membership.  

Business/Commercial Members are Prohibited from Engaging in Unlawful Internet Gambling–Unlawful Internet Gambling Enforcement Act

Restricted transactions as defined in Federal Reserve Regulation GG are prohibited from being processed through this account or relationship. Restricted transactions generally include, but are not limited to, those in which credit, electronic fund transfers, checks, or drafts are knowingly accepted by gambling businesses in connection with the participation by others in illegal or unlawful Internet gambling.  

Account Ownership

You can structure the ownership of your account(s) at your credit union in a variety of ways. Rights and obligations relating to the account will depend on the type of ownership of the account.

1. Sole Accounts. If you are the sole owner of an account, only you can make deposits or withdrawals or otherwise have access to the funds in the account. Under Maine law, upon your death, the funds in the account are distributed in accordance with the terms of your will or, if you do not leave a will, the intestacy provisions of the Probate Code.
2. Joint Accounts. Any joint owner(s) have an equal right of access to the funds in a joint account and can withdraw all of the funds in the account at any time without permission from or notification to the other joint owner(s). Joint owner(s) also have rights to make address changes to the account. At the death of one joint owner, the funds automatically belong to the surviving joint owner(s). Joint owner(s) do not have to be credit union members.
3. Payable on Death Accounts. Payable on death accounts belong to the person(s) listed as the owner or owners of the account during their lives. On death, the funds automatically belong to the person or persons designated as payable on death beneficiaries. 
4. Trust Accounts. Depending on membership eligibility, you may hold an account as Trustee for the benefit of another person or persons, or another person or persons may hold an account as Trustee for your benefit. In order to establish a Trust account, membership eligibility requirements must be met in accordance with your credit union’s charter or bylaws.
5. Organizational Accounts. The funds in an organizational account are owned by a corporation, trust (including a living trust), partnership, social club, sports team, etc. In order for the organization to be a credit union member, eligibility requirements must be met in accordance with the credit union’s charter or bylaws. If the organization does not qualify for membership, it can be a joint owner of the account with an individual member.
6. Inactive/Dormant Accounts. If your account falls below any applicable minimum balance or you have not made any transactions within the period of time specified in the Schedule, we may classify your account(s) as inactive. An account is generally only considered dormant when an applicable state law requires such classification (i.e., dormant or abandoned). Although having no obligation to do so, we reserve the right to not classify a particular account as either inactive or dormant if any owner thereof has other active accounts or services with us. You may be charged fees as set forth in the Schedule for inactivity, which is generally the failure to transact any business on an account for a period of one year. Unless specifically prohibited by applicable law, we may also charge a service fee set forth on the Rate and Fee Schedule for processing your dormant account. This policy also applies to any corporate share drafts or money orders that have become stale dated and not yet reconciled. You authorize us to transfer funds from another account of yours to cover any such fees. Unless prohibited by applicable law, we further reserve the right to transfer your dormant account funds to a general Credit Union account and to suspend any further account statements. If a deposit or withdrawal has not been made on the account and we have had no other sufficient contact with you within the period specified by state law, the account will be presumed to be abandoned. Funds in abandoned accounts will be reported and remitted in accordance with applicable state law. Once funds have been turned over to the state, we have no further liability to you for such funds and if you choose to reclaim such funds, you must apply to the appropriate state agency.
   
   The credit union may suspend any privileges, I or any joint owner(s) may have for remote transaction services including, but not limited to audio response, home banking, and ATM/Visa® Check Card services, in the event that I/we become delinquent on any loan or other obligation that I/we may have with the credit union. The credit union may also suspend electronic fund transfer privileges in the event that I/we become delinquent on any loan or other obligation that I/we may have with the credit union.

Lien on Shares

A lien will be impressed on all of your credit union shares and share dividends in an amount equal to that which you may owe your credit union because of a loan or any other charges payable by you to your credit union. The lien may be enforced and your funds withdrawn and applied to your debt without further notice to you except where required by law, if you default in paying the amount you owe.  

Account Closing

Your regular credit union share account cannot be closed until all amounts you owe your credit union are paid in full and all other accounts that you have with your credit union are closed.

Endorsements

All check/share draft endorsements must be made in the first one and one-half inches of the trailing edge of the back of the check/share draft. The trailing edge is opposite the left side of the face of the check. You will be responsible for any costs incurred by your credit union due to delays in returning checks or share drafts deposited into your account that do not comply with these endorsement standards.

Share Insurance

Funds in your accounts at your credit union are insured up to at least $250,000 by the National Credit Union Administration (NCUA), an agency of the United States Government. Certain retirement accounts, such as IRAs and Keoghs, are separately insured up to $250,000. Copies of the NCUA brochure Your Insured Funds are available at all branch offices of the Credit Union.

Governing Law

The rights, duties, obligations and liabilities of you and your credit union in connection with your membership and account(s) are and shall be controlled by Maine and/or federal law as applicable and in effect at the time the rights, duties, obligations, and liabilities arise, other than as specifically set forth in this Agreement, your credit union charter and bylaws, or your specific account documentation.

Substitute Checks

You acknowledge and agree that we may refuse to pay any check, including a substitute check as that term is defined under 12 CFR Part 229.2(aaa), that we have already paid. You also agree to indemnify and hold us harmless from and against any claim for damages or breach of any substitute check warranty which is asserted against us by any third party on account of any check drawn on your account or for which you receive payment.

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You may desire to initiate a funds transfer using your credit union, and your credit union may receive funds transfers for credit to an account of yours at your credit union, or for further transfer on your behalf. Transfers sent or received by you or on your behalf may go by Fedwire. Regulation J governs Fedwire. In addition to the specific provisions of Regulation J, this part of the Agreement is applicable to all such funds transfers.

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Security Procedure.

Your instructions specifying the terms and conditions of funds transfers shall be verified according to your credit union’s security procedure. In the event that you decline to accept the security procedure recommended by your credit union, you agree that any security procedure you select is commercially reasonable. You further agree that you shall be bound by any instruction, whether or not authorized, which is issued in your name and accepted by your credit union in compliance with the security procedure.

Inconsistencies in Orders.

You acknowledge and agree that your credit union and the beneficiary’s (funds transfer recipient) financial institution in the funds transfer may rely on the number in a payment order that identifies the beneficiary, even if it identifies a person different from the person identified by name in the payment order, if the beneficiary’s financial institution does not know of this inconsistency. You also acknowledge that your credit union may rely on a number in a payment order which identifies an intermediary financial institution or beneficiary’s financial institution, even if it identifies a financial institution different from the financial institution identified by name in the payment order, if your credit union does not know of the inconsistency. Your credit union has no duty to detect any such inconsistencies.

Notice.

For each funds transfer you receive at your credit union, you will receive notice of the transfer by having the amount received posted to your records or by some other mutually agreeable means. Your credit union is not required to give you a notice of receipt and will not do so. Your credit union will, however, notify you of the receipt of payments in any periodic statements that your credit union provides to you.

Provisional Credit.

Credit given by your credit union to you with respect to a funds transfer is provisional until your credit union receives final settlement for the transfer through a Federal Reserve Bank. If your credit union does not receive such final settlement, you acknowledge and agree that your credit union is entitled to a refund of the amount credited to you or your account(s) in connection with the transfer. In the event that your credit union does not receive final settlement, you agree that your credit union may reverse the entry on its records and adjust your account(s) accordingly. The party making payment to you via such transfer shall not be deemed to have paid you the amount of the credit.

Interest and/or Dividends.

If your credit union is obligated to pay interest or dividends with respect to any funds transfer, the amount payable shall be limited to the dividend rate paid on the account to which a funds transfer is deposited or from which the transfer should have occurred.

Instructions.

Your credit union is not obligated to accept any instruction(s) from you relating to any funds transfer. 

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Important information on deposits, holds, and withdrawals

YOUR ABILITY TO WITHDRAW FUNDS. Our policy is such that there may be a delay in the availability of funds that you deposit in your account.

During the delay, you may not withdraw the funds in cash and we will not use the funds to pay checks that you have written.

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DEFINITIONS

1. Account. A transaction account. An account generally includes those from which the accountholder is permitted to make transfers or withdrawals by negotiable instruments, payment order of withdrawal, telephone transfer, electronic payment, or other form of transfer. Account does NOT include a savings account.
2. Availability. For determining the availability of a deposit, every day is a business day, except Saturday, Sundays and federal holidays. If a federal holiday falls on a Sunday, the next day is not a business day. If a member makes a deposit before 5PM on a business day that the Credit Union is open, the Credit Union will consider that day to be the day of deposit. However, if a member makes a deposit after 5PM or on a day the Credit Union is not open, the Credit Union will consider the deposit to have been made on the next business day that the Credit Union is open.

The length of the delay varies depending on the type of deposit as follows:

SAME DAY AVAILABILITY.

Cash and Federal government payments made by the automated clearinghouse method, such as Social Security Payments, SSI payments, IRS tax refunds, and federal government salary payments, must be made available on the day the funds are received or, if the funds are not received on a business day, on the next business day. (See 31 CFR Part 210, "Federal Payments through Financial Institutions by the Automated Clearing House Method." Sections 210.2, 210.7.)

NEXT DAY AVAILABILITY.

The following funds deposited into a member's account must be available by the next business day:

• Cash deposited in person at a teller station. To qualify for next-day availability, members must deposit funds during Credit Union business hours before the cutoff time for receiving deposits. Presently, the cutoff time is 5PM
• Electronic Payments (e.g., wire transfers, automated clearing house credit transfers). These are considered "received" when the Credit Union has received both: i. Payment in finally collected funds, and ii. Payment instructions indicating the account and the amount to be credited.
• U.S. Treasury checks deposited into the payee's account.
• The following types of checks, if deposited in person at a teller station into the payee's account: i. U.S. Postal Money Orders. ii. Federal Reserve Bank Checks/Federal Home Loan Bank checks. iii. State and local government checks, if the Credit Union is located in the same state as the government entity that issued the check. iv. Cashiers, certified, or teller's checks.
• "On Us" checks, i.e., checks drawn on the Credit Union.

OTHER CHECK DEPOSITS

Funds from other deposits will not be available until the second business day after the day of your deposit. The first $225 of your deposits, however, will be made available on the first business day.

"SPECIFIC EXCEPTION" HOLDS

The following situations create a “specific exception” to the funds availability rules:

• Large Deposits. A member’s aggregate deposit in one day exceed $5,525. (The exception applies to the amount over $5,525. The Credit Union may apply this exception to the aggregate deposits to all accounts held by the member, without regard to joint accountholders.)
• Re-deposited Checks. A check that has been returned unpaid and re-deposited, unless the reason the check was returned was because it was missing an endorsement or was postdated. $225 of the deposit does not have to be made available on the next business day. The business day the check is re-deposited is considered to be the day of deposit.
• Repeated Overdrafts. Within the last six months, a member’s account has been overdrawn multiple times.
• Reasonable Cause to Doubt Collectability. The Credit Union has reasonable cause to believe the check is uncollectible,
  such as a stale or postdated check, evidence of check kiting, or a notice dishonor from the payor financial institution.
• Emergency Conditions, such as telecommunication or computer breakdowns, war, or some other emergency condition beyond the Credit Union’s control. A hold will be placed on the funds for a reasonable time after the emergency has passed.

If the exception applies, the Credit Union will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available.  They will generally be available no later than the 7th business after the day of your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available.

NEW ACCOUNTS.

Special rules apply for new accounts (sole account with the Credit Union less than 30 days old, provided none of the members on the account have other transaction accounts at the Credit Union that have been opened for at least 30 days).

• Cash deposits and wire transfers are subject to the next-day availability requirements.
• The first $5,525 of deposits of U.S. Treasury checks must be made available on the next business day. Any amount over $5,525 into a new account may be held until the 9th business day.
• The first $5,525 of an in-person deposit of checks drawn on Federal Reserve Banks and Federal Home Loan Banks, state and local government checks, cashier’s checks, certified checks, teller’s checks, and, for the purposes of the new account exception only, traveler’s checks, must be made available on the next business day. The first $5,525 of such deposits not made in person must be made available on the second business day. The remainder may be held until the 9th business day.
• An availability schedule does not apply to other checks, including the requirement for the first $225 of a day’s deposit to be made available for withdrawal.

WE, COMMUNITY CREDIT UNION, MAY REVIEW CHECKS ON A CASE BY CASE BASIS BUT AT NO TIME WILL EXCEED THE ABOVE POLICY.

If you have a dispute with your financial institution regarding your deposit account, contact the financial institution consumer complaint representative or department and attempt to resolve the problem directly with the financial institution. If the financial institution fails to resolve the problem, write a letter detailing the problem and resolution you are seeking to: Bureau of Financial Institutions, State House Station 36, Augusta Maine 04333. The Bureau of Financial Institutions will acknowledge receipt of your complaint promptly and investigate your claim.  You will be informed of the results of the investigation.

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You and any other joint owner agree that:

1. by signing the appropriate account documentation as provided by your credit union, you authorize your credit union to establish a special share account for you to be known as a "share draft" or checking account. Your credit union is authorized to pay share drafts or checks, signed by you or any other joint owner of the account and to charge the payments against the share draft account;
2. the credit union is under no obligation to pay a share draft which exceeds the balance in the share draft account; the credit union may pay such a share draft and charge the amount of resulting overdraft plus a service charge against any other share account from which the person who signed the share draft is entitled to withdraw shares; the credit union is under no obligation to pay a share draft on which the date is more than six months old;
3. transactions may not be processed in the order in which they occur. The order in which transactions are received and processed may impact the total amount of fees incurred by the member;
4. except for negligence, the credit union is not liable for any action it takes regarding the payment or non-payment of a share draft;
5. notwithstanding Paragraph (d) above, the credit union is not liable for any loss incurred or damage sustained due to the premature payment of a post-dated share draft;
6. any objection respecting any item shown on a monthly statement of the share draft account shall be waived unless made in writing to the credit union on or before the twentieth day following the day the statement is mailed;
7. all non-cash payments received on shares in the share draft account will be credited subject to final payment; 
8. the share draft account shall be subject to service charges and fees in accordance with the rate and fee schedules adopted by the credit union from time to time; and
9. the use of the share draft account is subject to such other terms, conditions and requirements as the credit union may establish from time to time;
10. this agreement is subject to the additional terms and conditions of any joint share account agreement that applies to a share account in the names of the joint owners of this share draft account; or, if there is no such agreement, this agreement is subject to the additional terms and conditions printed below.

Additional Terms and Conditions (Joint Share Draft Account Agreement)

The credit union is hereby authorized to recognize any of the signatures on the share draft account documentation referenced above in the payment of funds or the transaction of any business for the Share Draft account. The joint owners of the account hereby agree with each other and with the Credit Union that all sums now paid in on shares, or previously or subsequently paid in on shares by any or all of the joint owners to their credit as joint owners, with all accumulations thereon, are and shall be owned by them jointly, with right of survivorship and be subject to the withdrawal or receipt of any of them, and payment to any of them or the survivor or survivors shall be valid and discharge the Credit Union from any liability for such payment.

Any or all of the joint owners may pledge all or any part of the shares in the account as collateral security for a loan or loans. The right or authority of the credit union under this agreement may not be changed or terminated by the owners, or any of them, except by written notice to and consent of the credit union, which shall not affect transactions made prior to such notice and consent. *Note: These Additional Terms and Conditions apply only if there is no joint share account agreement that applies to a share account in the names of the persons whose signatures are subscribed on the share draft account documentation.

Tell us at once if you believe your check card or PIN has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within 2 business days after you learn of the loss or theft of your card or PIN, you can lose no more than $50 if someone used your card or PIN without your permission.

If you do NOT tell us within 2 business days after you learn of the loss or theft of your card or PIN, and we can prove we could have stopped someone from using your card or PIN 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, including those made by card, PIN, or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money 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 a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

Contact in the Event of Unauthorized Transfer. If you believe your card or PIN has been lost or stolen, call 207-783-2096, or write to Community Credit Union, 144 Pine Street, Lewiston, ME 04240. You may also choose to visit any branch; our lobby hours are Monday through Friday 9:00 am to 5:00 pm. You should also call the number or write to the address above if you believe a transfer has been made using the information from your check without your permission.

This agreement covers EFTs made to or from your account without the use of a check card or PIN.

1. Merchants and other payees may be authorized to electronically debit your share draft or checking account using information you provide on or with a share draft or check. These debits are electronic funds transfers subject to this agreement.
   
   Electronic Check Conversion (ECK). You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to: (i) pay for purchases or (ii) pay bills.
   
   
2. Here are some of the types of EFTs available to you: Deposit of Employer payroll, Deposit of Government payments and Pre-Authorized Debits. In addition, merchants and other payees may electronically debit your share draft or checking account using information you provide on or with a share draft or check. This may include transfers initiated electronically. These debits are EFTs subject to this agreement.
3. There are no charges for EFTs or the right to make EFTs. However, a fee will be assessed for each EFT returned to the originator due to insufficient funds, account closure, etc. Refer to our Rate and Fee Schedule for current fees.
4. The business days of the credit union are Monday–Friday. EFTs, in most cases, will be posted to your account by the open of the normal business day. The following holidays are not business days: New Year’s Day, Martin Luther King, Jr. Day, Presidents’ Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Indigenous People's Day, Veterans’ Day, Thanksgiving Day, and Christmas Day.
5. Here is a summary of your right to receive documentation of EFTs:
   
   Periodic Statement: You will receive a quarterly account statement on share accounts. You will receive a monthly account statement on share accounts if any EFT or an Audit Committee audit occurs during that month. You will receive a monthly account statement of share draft accounts.
   
   Notice of Credits: If you have arranged to have EFT deposits made to your account, you can call us at 207-783-2096 to find out whether or not the deposit has been made. You can also check your account for EFT deposits via Digital Banking and L.A. Connection (Teller-Phone).
   
   
6. Here is a summary of your right to stop payment and the procedure for doing so: If you have told us in advance to make regular payments out of your account, you may stop any of these. Simply call 207-783-2096, request through Digital Banking or write to Community Credit Union, 144 Pine Street, Lewiston, ME 04240 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 request that you sign a form here at the credit union which must be done within (14) calendar days after you call. You will be charged for each stop payment order given. Refer to the Rate and Fee Schedule for current fees.
   
   
7. Here is a summary of our liability to you for failure to make or stop certain transfers. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are exceptions. We will not be liable, for instance:
   1. If, through no fault of ours, you do not have enough money in your account to make the transfer.
   2. If the transfer would go over the credit limit on your overdraft line.
   3. If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
   4. If we have reason to believe that transactions involving your account may be unauthorized, fraudulent, illegal, or otherwise improper.
8. Here are the circumstances under which we will disclose information to third parties about your account or the transfers you make:
   1. When necessary for completing transfers.
   2. In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant.
   3. In order to comply with government agency or court orders.
   4. If you give us written permission.
   5. Where permitted under applicable law.
      
      
9. Error Resolution: This Section Applies to Consumer Accounts - Telephone or write us AS SOON AS YOU CAN if you think your statement or receipt is wrong, or if you need more information about a transaction listed on the statement or receipt. We must hear from you no later than sixty (60) days after we send you the FIRST statement on which the problem or error appeared. Provide the following information:
   1. Your name and account number.
   2. Describe the error or the transfer you are unsure about, and a clear explanation of why you believe it is an error, or why you need more information.
   3. The dollar amount of the suspected error.

If you tell us orally, we may require that you send your complaint or question in writing within ten (10) business days. 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 forty-five (45) days to investigate your complaint or question. For new accounts, Point-of-Sale, or international transactions, we may take up to ninety (90) days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days (five (5) business days for Visa Debit Card purchases) for the amount you think is in error, so you will have the use of the money during the time it takes to complete our investigation. For new accounts, we may take up to twenty (20) days to credit your account for the amount you think is in error. If we ask you to put your complaint or question in writing and do not receive it within ten (10) business days, we may not credit your account.

We will tell you the results within three (3) business days after we finish 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.

This section addresses Non-Consumer Accounts only.

You may desire to receive an electronic transfer of funds into your account. Such transfers may be transmitted through the Automated Clearing House (ACH) System. Your rights and responsibilities will be governed by Maine law, including Article 4A of the Uniform Commercial Code. Credit given by your credit union with respect to these transfers is provisional until the credit union receives final settlement through a Federal Reserve Bank or otherwise has received payment. If your credit union does not receive payment for a transfer, then the credit union is entitled to a refund from you in the amount credited to you on a provisional basis, and the originator of the transfer will not be considered to have paid the amount of the entry to your account. Your credit union is not obligated by ACH rules to provide you with notice any time that it has received a transfer and made an entry to your account unless the credit union has otherwise agreed to do so.

Fair and Accurate Credit Transactions Act Notice

We may report information about your account to credit bureaus. Late or missed payments, or other defaults, may be reflected in your credit report.

If you have a dispute with Community Credit Union regarding your deposit or share account, you may contact us at (207) 783-2096 and attempt to resolve the problem directly. If we fail to resolve the problem, communicate the problem and the resolution you are seeking to: Maine Bureau of Financial Institutions, Consumer Outreach Program, 36 State House Station, Augusta ME 04333-0036 To file a complaint electronically, you may contact the Maine Bureau of Financial Institutions at: https://www.maine.gov/pfr/financialinstitutions/complaint/htm The Maine Bureau of Financial Institutions will acknowledge receipt of your complaint promptly and investigate your claim. You will be informed of the results of the investigation.

Maximize your time with Community Credit Union whether you are on the go or from the convenience of your home. Digital Banking allows you to manage your money at your convenience and the channel that best suits you.

This Agreement governs the Digital Banking services provided by Community Credit Union. Please read it carefully. In the Agreement, the words "you", "your" and "yours" refers to the member-owner(s) of a savings account who has requested access to our Digital Banking services in connection with account or any sub-account. The words "we", "us", "our" and "Credit Union" mean Community Credit Union. The words "the service" refers to the Digital Banking service as defined below. To contact Community Credit Union at any time in reference to these disclosures, you may call us at 207.783.2096, email us at [email protected], or write to us at Community Credit Union, 144 Pine Street, Lewiston ME 04240. You may also choose to visit any branch; our lobby hours are Monday through Friday 9:00 am to 5:00 pm.

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Enrollment

To enroll for any of these services go to www.communitycreditunion.com and click the Digital Banking Register hyperlink or download our application.

Notification Procedure

If you believe that your login information has been LOST or STOLEN, or that someone has transferred or may transfer money from your account without your permission, call us at 207.783.2096, email us at [email protected] or write to us at Community Credit Union, 144 Pine Street, Lewiston, ME
04240. You may also choose to visit a branch; our lobby hours are Monday through Friday 9:00 am to 5:00 pm. 

Transfers

You may make transfers to your accounts or other accounts you authorize as often as you like except for those accounts with transfer limitations as disclosed on the rate and fee schedule you received when you opened the account and any amendments to that schedule.
You may transfer up to the balance in your account at the time of the transfer, except as limited under other agreements. We reserve the right to refuse any transaction that would draw upon insufficient funds or lower an account below a required balance. Digital Banking transactions may be made at any time, seven (7) days a week unless the service is unavailable due to computer back-up procedures or maintenance.

IMPORTANT NOTE

Recurring transfers where the date scheduled falls on a Sunday or a holiday may occur the next business day.

Fees and Charges

There are no additional charges for utilizing Digital Banking. Electronic Bill Payer, which is an optional service through Digital Banking, has no fee unless it's not used for more than 60 days, then there's a $4.95 monthly fee. This service, however, may be canceled at any time.

There is no additional charges for making a transfer between internal accounts at Community Credit Union. If you choose to make a payment from another financial institution, you may incur a fee. This will be disclosed to you at the time of initiating the payment. 

Conditions Under Which We Will Disclose Information To A Third Party

See Community Credit Union's Privacy Policy for more information. 

Statements

You will receive a quarterly account statement on share accounts. You will receive a monthly account statement on share accounts if any EFT or an Audit Committee audit occurs during that month. You will receive a monthly account statement of share draft accounts. You may choose to receive an electronic statement via Digital Banking at no additional cost. 

Cancellation

We may cancel your Digital Banking privileges at any time without notice or cause. If we cancel Digital Banking, you will also no longer have access to any programs within our Digital Banking platform. You may cancel this Agreement at any time by calling us at 207.783.2096, emailing us at [email protected], or writing to us at Community Credit Union, 144 Pine Street, Lewiston ME 04240. You may also choose to visit any branch; our lobby hours are Monday through Friday 9:00 am to 5:00 pm. Cancellation will be effective as of the date we receive the notice. Any cancellation or termination will not affect your existing liability to us.

Modifications

This Agreement may be amended by us without prior notice to you when such an amendment is immediately necessary to maintain or restore the security of the system or a member's account(s). We will notify you in writing thirty (30) days or as otherwise required by law prior to the effective date of any other change In any term or condition of this Agreement.

Security Procedures

You acknowledge that your account is personal to you. You should not Provide any other person with access to this Website or portions of it using your username, password, or other security information. You agree to notify us immediately of any unauthorized access to or use of your username or password or any other breach of security. You also agree to ensure that you exit from your account at the end of each session. You should use particular caution when accessing your account from a public or shared computer so that others are not able to view or record your password or other personal information.

Joint account holders will each have their own individual login for our Digital Banking experience. You should not disclose your login information to anyone. If you do, the individual will have access to all accounts at the Credit Union owned by you, either individually or jointly. You may transfer funds to the account(s) of another Community Credit Union member; however, if you do so, you agree to provide a copy of this Agreement to each owner of the account(s).

Consumer Liability for Unauthorized Digital Banking Transactions

Tell us at ONCE if you believe your LOGIN INFORMATION has been LOST or STOLEN. You can notify us by calling us at 207.783.2096, emailing us at [email protected], or writing to us at Community Credit Union, 144 Pine Street, Lewiston, ME 04240. You may also choose to visit any branch; our lobby hours are Monday through Friday 9:00 am to 5:00 pm.. You could lose all the money in your account plus your maximum lines of credit, if applicable. If you tell us within two (2) business days, you can lose no more than FIFTY DOLLARS ($50.00) if someone used your login information without permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your login information and we can prove that we could have stopped someone from using your login information without your permission if you had told us, you could lose as much as FIVE HUNDRED DOLLARS ($500.00). Also, if your statement shows transfers that you did not make, tell us at ONCE. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money you lost 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 a long trip or hospital stay) kept you from telling us, we will extend the time periods. We are liable only for losses in excess of the limits stated.

Digital Account Opening and Loans Terms & Conditions

This Agreement, sometimes referred to as 'Terms and Conditions', comprises the terms governing your use of Community Credit Union's online loan application platform (the "Platform"), which we use to offer you the ability to complete and submit a loan application online. By continuing to use the Platform, you accept and agree to the following terms and conditions, as the same may be revised from time to time:

1. 'We', 'us', and 'Credit Union' refer to the Credit Union.
2. You agree to use the Platform in a manner consistent with these Terms and Conditions.
3. You may not transfer, sell, or otherwise assign your rights or obligations under this Agreement.
4. We may terminate your access to and use of the Platform at any time.
5. This Agreement incorporated the Privacy Statement set forth on this Platform as the same may be modified from time to time.
6. You acknowledge that the Credit Union or its licensors own and hold all intellectual property and proprietary rights, title and interest in the Platform, and that your use of the same does not transfer any rights in the same to you. You agree:
   1. Not to copy, reproduce, distribute, publish, display, perform, modify, or create derivative works from the Platform. You may only download material from this Platform for your own use as follows: you may make one machine readable copy and/or one print copy that is limited to occasional items of individual interest only. You may not remove or amend any trademark, copyright or other proprietary notice. Without limiting the generality of the foregoing, you may not distribute any part of this Platform over any network, nor sell or offer it for sale. You may not copy, de-compile reverse-engineer, disassemble, modify, or create derivative works of the Platform. Open Source software used in the Platform is provided in accordance with the terms of the applicable Open Source Software license, and Credit Union and its licensors are not a party to the same. We reserve all rights that are not specifically granted to you.
   2. That you are expressly prohibited from presenting the Platform in a setting created by you or a third party (e.g. through framing), particularly (but not exclusively) where that setting includes advertising or other materials that we have not expressly authorized to be displayed with the Platform.
   3. That any of your questions, comments, or suggestions for improvements regarding the Platform or the services that you email, post, or otherwise transmit to Us (your "Communications") will become the property of the Credit Union. You hereby relinquish and assign to the Credit Union the worldwide, royalty free, right and title to run, use, re-use, implement, copy, display, and create derivative works from, those Communications, including any ideas, concepts, know-how, or techniques contained in your Communications for any purpose.
7. If you choose, or are provided with, a username, or any other piece of information as part of our security procedures, you must treat such information as confidential.
   1. You should not disclose it to any other person or entity. You also acknowledge that your account is personal to you. You should not Provide any other person with access to this Website or portions of it using your username, password, or other security information. You agree to notify us immediately of any unauthorized access to or use of your username or password or any other breach of security. You also agree to ensure that you exit from your account at the end of each session. You should use particular caution when accessing your account from a public or shared computer so that others are not able to view or record your password or other personal information.
8. Where we provide or enable links to third party sites, we do so for information purposes only and we accept no liability for your use of the same.
9. You will be responsible for all charges and obligations incurred, and liabilities for harm caused, and for all actions taken, through your use of this Platform.
10. You agree to indemnify and hold us harmless from and against all losses, expenses. damages and costs, including reasonable attorneys fees, resulting from use of this Platform, including, but not limited to, any violation of this agreement, or the failure to fulfill any obligations relating to use of the Platform.
11. You warrant that:
    1. You will not use any electronic communication feature of the Platform for any purpose that is abusive, tortious, intrusive on another's privacy, harassing, libelous, defamatory, obscene, threatening. hateful, or otherwise unlawful: you will not post any materials that infringe on rights of third parties; and, you will not upload or transmit any virus or other malware.
12. THIS PLATFORM AND ALL SOFTWARE AND SYSTEMS USED OR PROVIDED AS PART OF THIS PLATFORM ARE PROVIDED "AS IS" AND "AS AVAILABLE"
    1. WE HEREBY SPECIFICALLY DISCLAIM ANY AND ALL REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, REGARDING THE PLATFORM CONTENT, FUNCTIONALITY, OR MATERIALS PROVIDED BY US HEREUNDER, INCLUDING, WITHOUT LIMITATION OF THE FOREGOING, ANY WARRANTY REGARDING OWNERSHIP, ACCURACY, TIMELINESS, COMPLETENESS, AND AVAILABILITY, AND ANY IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, OR THOSE ARISING FROM COURSE OF DEALING OR COURSE OF PERFORMANCE.

Hardware and Software Requirements

The following hardware and software minimum requirements are required for access to all of the digital banking services mentioned above.

For PC and Macintosh

• Pentium II processor (PC) or PowerPC G3 processor (Mac)
• 64 MB of RAM
• Access Digital Banking uses a responsive web design automatically adjusting to different screen sizes and viewports.
• Standard keyboard and mouse
• Internet connection
• The latest versions of Chrome, Safari, and Microsoft Edge. Older versions of these browsers that are no longer supported by their developers are a security risk and may not be compatible with Access Digital.
• Adobe Acrobat Reader® 6.0.1 or higher

For Mobile Banking

• Compatible Android, iOS or Blackberry devices
• Android OS version 9.0 or higher, iOS version 15.5 or higher
• Internet access on the phone
• Web browser must support cookies

If the hardware or software requirements needed to access the digital banking services change, the Credit Union will update this agreement with revised hardware and software requirements. In the event of such change, you will have the right to withdraw consent to use the digital banking services without the imposition of any fees for the withdrawal of consent and without the imposition of any other conditions or consequences.

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From time to time, Community Credit Union (we, us or Company) may be required by law to provide you with certain written notices or disclosures. Described below are the terms and conditions for providing you with such notices and disclosures electronically through the DocuSign system. Please read the information below carefully and thoroughly, and if you can access this information electronically to your satisfaction and agree to this Electronic Record and Signature Disclosure (ERSD), please confirm your agreement by selecting the checkbox next to ‘I have read and accepted the E-Sign Agreement’ before clicking "CONTINUE" within the DocuSign system.

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Getting paper copies

At any time, you may request from us a paper copy of any record provided or made available electronically to you by us. You will have the ability to download and print documents we send to you through the DocuSign system during and immediately after the signing session and, if you elect to create a DocuSign account, you may access the documents for a limited period (usually 30 days) after such documents are first sent to you. After such time, if you wish for us to send you paper copies of any such documents from our office to you may request delivery of such paper copies from us by following the procedure described below.

Withdrawing your consent

If you decide to receive notices and disclosures from us electronically, you may at any time change your mind and tell us that thereafter you want to receive required notices and disclosures only in paper format. However, you must inform us of your decision to receive future notices and disclosure in paper format and withdraw your consent to receive notices and disclosures electronically is described below.

Consequences of changing your mind

If you elect to receive required notices and disclosures only in paper format, it will slow the speed at which we can complete certain steps in transactions with you and delivering services to you because we will need first to send the required notices or disclosures to you in paper format, and then wait until we receive back from you your acknowledgment of your receipt of such paper notices or disclosures. Further, you will no longer be able to use the DocuSign system to receive required notices and consents electronically from us or to sign electronically documents from us.

All notices and disclosures will be sent to you electronically

Unless you tell us otherwise in accordance with the procedures described herein, we will provide electronically to you through the DocuSign system all required notices, disclosures, authorizations, acknowledgements, and other documents that are required to be provided or made available to you during our relationship with you. To reduce the chance of you inadvertently not receiving any notice or disclosure, we prefer to provide all the required notices and disclosures to you by the same method and to the same address that you have given us. Thus, you can receive all the disclosures and notices electronically or in paper format through the paper mail delivery system. If you do not agree with this process, please let us know as described below. Please also see the paragraph immediately above that describes the consequences of your electing not to receive delivery of the notices and disclosures electronically from us.

How to contact Community Credit Union

You may contact us to let us know of your changes as to how we may contact you electronically, to request paper copies of certain information from us, and to withdraw your prior consent to receive notices and disclosures electronically as follows:

To contact Community Credit Union at any time in reference to these disclosures, you may call us at 207.783.2096 or write to us at Community Credit Union, 144 Pine Street, Lewiston, ME 04240.

To advise Community Credit Union of your new email address

To let us know of a change in your email address where we should send notices and disclosures electronically to you, you must send an email message to us at [email protected] and in the body of such request you must state: your previous email address and your new email address.

If you created a DocuSign account, you may update it with your new email address through your account preferences.

To request paper copies from Community Credit Union 

To request delivery from us of paper copies of the notices and disclosures previously provided by us to you electronically, you must send us an email to [email protected] and in the body of such request you must state your email address, full name, mailing address, and telephone number.

To withdraw your consent with Community Credit Union

To inform us that you no longer wish to receive future notices and disclosures in electronic format you may:

1. decline to sign a document from within your signing session, and on the subsequent page, select the checkbox indicating you wish to withdraw your consent, or you may;
2. send us an email to [email protected] and in the body of such request you must state your email, full name, mailing address, and telephone number.

Required hardware and software

The minimum system requirements for using the DocuSign system may change over time. The current system requirements are found on the DocuSign website.

Acknowledging your access and consent to receive and sign documents electronically

To confirm to us that you can access this information electronically, which will be similar to other electronic notices and disclosures that we will provide to you, please confirm that you have read this ERSD, and (i) that you are able to print on paper or electronically save this ERSD for your future reference and access; or (ii) that you are able to email this ERSD to an email address where you will be able to print on paper or save it for your future reference and access. Further, if you consent to receiving notices and disclosures exclusively in electronic format as described herein, then select the checkbox next to ‘I have read and accept the E-Sign Agreement’ before clicking ‘CONTINUE’ within the DocuSign system.

By selecting the checkbox next to ‘I have read and accept the E-Sign Agreement’, you confirm that:

• You can access and read this Electronic Record and Signature Disclosure; and You can print on paper this Electronic Record and Signature Disclosure, or save or send this Electronic Record and Disclosure to a location where you can print it, for future reference and access; and
• Until or unless you notify Community Credit Union as described above, you consent to receive exclusively through electronic means all notices, disclosures, authorizations, acknowledgements, and other documents that are required to be provided or made available to you by Community Credit Union during your relationship with Community Credit Union.

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Title VI & Section 504 Notice

In accordance with federal law and U.S. Department of the Treasury policy, this institution is prohibited from discriminating based on race, color, national origin, sex, age, or disability.

Submit a complaint of discrimination, by mail to:

U.S. Department of the Treasury
Office of Civil Rights and Equal Employment Opportunity
1500 Pennsylvania Ave. N.W.
Washington, D.C. 20220
Phone: (202) 622-1160
Fax: (202) 622-0367
Email: [email protected]

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View our Privacy Notice here

Except as specifically described, the following disclosures apply to all of the deposit accounts.

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Rate Information

The dividend rate and Annual Percentage Yield on your accounts as of the last Dividend Declaration Date are stated on your statement.

The total amount of dividends to be paid on an account is based on the dividend rate and the frequency of compounding for a 365-day period of the term of the account. The Dividend Rate and Annual Percentage Yield may change monthly as determined by the Credit Union's Board of Directors.

Nature of Dividends

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

Dividend Compounding and Crediting

Dividends will be compounded and credited as stated in your Rate and Fee Schedule. The dividend period for each account is also stated in your Rate and Fee Schedule The dividend period begins on the first calendar day of each month and ends on the last calendar day of each month.

Accrual of Dividends

Dividends will begin to accrue on cash deposits and non-cash deposits (ex. checks) on the business day the Credit Union receives provisional credit. If you close your account before accrued dividends are credited, accrued dividends may not be paid on all accounts on the day the account is closed.

Balance Information

The minimum balance required to open each account is stated in our Rate and Fee Schedule. Dividends and minimum balances are also calculated using the Average Daily Balance Method. The Average Daily Balance Method is determined by adding the full amount of principal in the account for each day of the period and dividing that figure by the number of days in that period.

The Following Disclosure applies to the Following Account: Money Market Account

Money Market Account: If your Average Daily Balance was $2,500.00 - $24,999.99, the dividend rate and annual percentage yield paid on the entire balance is shown on your Rate and Fee Schedule. If your average daily balance was $25,000.00 - $74,999.99, the dividend rate and annual percentage yield paid on the entire balance is shown on your Rate and Fee Schedule. If your average daily balance was $75,000.00 and over, the dividend rate and annual percentage yield on the entire balance is shown on your Rate and Fee Schedule. If your balance falls below $2,500.00, no dividends will be paid for that dividend period.

The Following Disclosures applies to the Following Account: Health Savings Account:

If your Average Daily Balance was $100.00 - $1,000.00, the dividend rate and annual percentage yield paid on the entire balance is shown on your Rate and Fee Schedule. If your average daily balance was $1,000.01- $5,000.00, the dividend rate and annual percentage yield paid on the entire balance is shown on your Rate and Fee Schedule. If your average daily balance was $5,000.01 - $10,000.00, the dividend rate and annual percentage yield paid on the entire balance is shown on your Rate and Fee Schedule. If your average daily balance was greater than $10,000.00, the dividend rate and annual percentage yield paid on the entire balance is shown on your Rate and Fee Schedule. If your balance falls below $100.00, no dividends will be paid for that dividend period.

Account Limitations

Account limitations for each account are specified on your Rate end Fee Schedule. 

Nontransferable/Nonnegotiable

Your account is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure an obligation of owner, except obligations with the Credit Union. The rates and yields appearing in the Rate and Fee Schedule at the time you opened your account are accurate and effective for accounts as of the date indicated on the inside. If you have any questions or require current rate information on your accounts, please call Community Credit Union at 207-783-2096. You may also choose to visit any branch; our lobby hours are Monday through Friday, 9:00 am to 5:00pm. 

If you have a dispute with Community Credit Union regarding your deposit or share account:

You may contact us at 207-783-2096 and attempt to resolve the problem directly. If we fail to resolve the problem, communicate the problem and the resolution you are seeking to:

Maine Bureau of Financial Institutions
Consumer Outreach Program
36 State House Station
Augusta, ME 04333-0036

To file a complaint electronically, you may contact the Maine Bureau of Financial Institutions. The Maine Bureau of Financial Institutions will acknowledge receipt of your complaint promptly and investigate your claim. You will be informed of the results of the investigation.

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We are Community Credit Union at 144 Pine Street, Lewiston, Maine 04240, and our telephone number is 207-783-2096. You (if this is a joint account, singular pronouns shall include each of you) hereby agree to the rules and regulations affecting the issuance of the "CCU ATM or Visa® Debit Card" provided by us for your convenience.

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Personal Identification Number (PIN)

Your PIN will be your "remote banking signature", and you are responsible for maintaining its confidentiality. The PIN should be memorized and not written, in order to prevent unauthorized use and so you may report its loss or theft accurately.

Authorized Use

Only you are qualified to deposit or withdraw funds to or from your account(s) with the use of the ATM or CCU Visa Debit Card at participating merchant or financial institution locations or remote facilities, and positive identification may be requested by the participating merchant or financial institution prior to any transaction. You agree that you will not use or allow anyone else to use your card or PIN for any transaction that is illegal under applicable federal, state or local law.

Business/Commercial Members Are Prohibited From Engaging In Unlawful Internet Gambling - Unlawful Internet Gambling Enforcement Act Notice

Restricted transactions as defined in Federal Reserve Regulation GG are prohibited from being processed through this account or relationship. Restricted transactions generally include, but are not limited to, those in which credit, electronic fund transfers, checks, or drafts are knowingly accepted by gambling businesses in connection with the participation by others in illegal or unlawful Internet gambling.

Consumer Liability for Unauthorized Electronic Funds Transfers

Tell us AT ONCE if you believe your card or PIN has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down.

If a Visa or Interlink transfer was made using your card or card number without your permission and was not caused by your gross negligence or fraud, you will have no liability for this unauthorized transfer. You could lose all the money in your account. If you tell us within 2 business days after you learn of the loss of theft of your card, you can lose no more than $50 if someone used your card without your permission. If you DO NOT tell us within 2 business days after you learn of the loss of theft of your card or PIN, and we can prove we could have stopped someone from using your card 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, including those made by card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money 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 a long trip or a hospital stay) kept you from telling us, we will extend the time periods. We are liable only for losses in excess of the limits stated.

Non-Visa PINLess Debit Card Transactions

We allow non-Visa debit transaction processing. This means you may use your Visa Debit Card on a PIN-Debit Network (a non-Visa network) without using a PIN to authenticate your transactions. (Visa rules generally define a PIN-Debit Network as a non-Visa debit network that typically authenticates transactions by use of a personal identification number (PIN) but that is not generally known for having a card program.) The non-Visa debit network for which such transactions are allowed is ACCEL®. Examples of the types of actions that you may be required to make to initiate a Visa transaction on your Visa Debit Card include signing a receipt, providing a debit card number over the phone or via the Internet, or swiping the debit card through a point-of-sale terminal. Examples of the types of actions you may be required to make to initiate a transaction on a PIN-Debit Network include initiating a payment directly with the biller (possibly via telephone, Internet, or kiosk locations), responding to a logo displayed at a payment site and choosing to direct payment through that network, and having your identity verified using known information derived from an existing relationship with you instead of through the use of a PIN.

Please be advised that the terms and conditions of your agreement with us relating to Visa debit transactions do not apply to non-Visa debit transactions. For example, the additional limits on liability (sometimes referred to as Visa's zero-liability program) and the streamlined error resolution procedures offered on Visa debit card transactions are not applicable to transactions processed on a PIN-Debit Network.

Notification Procedure

If you believe your card, PIN, or other information which could provide electronic access to your account has been LOST or STOLEN, or that someone has transferred or may transfer money from your account without permission, call us at 207-783-2096, email us at [email protected] or write to us at Community Credit Union, 144 Pine Street, Lewiston ME 04240. You may also choose to visit any branch; our lobby hours are Monday through Friday 9:00 am to 5:00 pm. 

Business Days

Our business days are Monday through Friday 9:00 A.M. to 5:00 P.M., Drive up only 7:30 A.M. daily, excluding state and federal holidays.

Types of Transactions Available and Limits on Such Transactions

You may use your card to withdraw from or make deposits to your share or share draft account, and perform such other financial A transactions as we may from time to time permit during the business hours of any remote financial facility. You may also pay for purchases at places that have agreed to accept your card (called Point-of-Sale purchases). These Point-of-Sale purchases will be deducted from your share draft account.

Limitation on Frequency and Amount of Transaction

For the protection of our members, we have limited the amount of each withdrawal from an account to FIVE HUNDRED DOLLARS ($500.00) per day at a remote banking facility with your CCU ATM or Visa Debit Card. You may buy up to ONE THOUSAND FIVE HUNDRED DOLLARS ($1,500.00) worth of goods or services each day in our Point-of-Sale (POS) transfer service, however the Credit Union has the right to limit Point-of-Sale (POS) transfer service at their discretion.

Delays in Posting Transaction

Due to the nature of the "ATM" system, there will be delays between the time of any activity on your account(s) and the time it is reflected in our records of your account (s).

Charge for Originating Shares and Remote Banking Transactions

A transaction resulting in a withdrawal from your share draft account using the CCU ATM or Visa Debit Card or your PIN or other information which could provide electronic access to your account is considered the same as any other type of share draft in regard to our service charge formulas. The type of account determines if and when a fee will be assessed. All transaction fees will be deducted from your share draft account. Please contact the credit union for current charges.

Fees

Replacement card fee: $15.00 each; all SURF Alliance transactions, unlimited; all non-SURF transactions, $1.50 each: unlimited Point-of-Sale transactions; overdraft on account fee $29.00; draft retrieval fee $5.00; copy of statement fee $3.00. If you use an ATM or other electronic terminal that we do not own, you may be charged a fee by the terminal owner and any national, regional, or local network used in processing the transaction. Any such fee(s) will be debited from your account if you elect to complete the transaction.

Foreign Transactions

Purchases and cash advances made in foreign countries and foreign currencies will be billed to you in U.S. dollars. A 1% International Transaction Fee will be assessed on all transactions where the merchant country differs from the country of the card issuer. The converted transaction amount will be shown separately from the International Transaction Fee on your account statement. This fee will be assessed on all international purchases, credit vouchers, and cash disbursements. Visa will charge 1% for international transactions that do not involve currency conversions. The exchange rate for transactions in a foreign currency will be a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date. This rate may vary from the rate Visa itself receives, or the government mandated rate in effect for the applicable central processing date plus the 1% International Transaction Fee.

Visa assessed surcharge/access fee for ATM or manual cash disbursement transactions initiated outside of the U.S. region

Visa assesses a cash disbursement fee of 0.15% + US $0.50 on international ATM transactions where a surcharge fee has been assessed. The 0.15% applies to the amount of cash disbursed and not the surcharge/access fee. In other words, if $200 is disbursed and a $3.00 surcharge fee is applied, the 0.15% will be based on the $200.

Visa Cash Disbursement Transactions outside the U.S. region without an Access/Surcharge Fee Assessed

If a surcharge fee is not assessed on a qualified Visa and Plus ATM international and regional cash disbursement transaction, the ATM cash disbursement fee will be assessed based on the location of the acquirer as follows: Asian Pacific, 0.52% + US $0.65: Canada, US $1.25; Central/Eastern Europe, Middle East and Africa, 0.42% + US $0.55; Europe, US $1.50; Latin America and the Caribbean, 0.52% + US $0.65.

Conditions Under Which We Will Disclose Information to a Third Party

You agree that we may, and you hereby authorize us to, disclose information to third parties about your accounts) or the transfers you make (1) where it is necessary for completing transfers; (2) in order to verify the existence and condition of your accounts for a third party, such as a credit bureau or merchant; (3) in order to comply with government agency or court orders; or (4) if we have your written permission.

Documentation of Transfer

You can get a receipt at the time you make any transaction (except inquiries) involving your account using an ATM and/or Visa debit Point-of-Sale (POS) terminal. You will also receive on a monthly basis a statement of your account activity.

Error Resolution: This Section Applies to Consumer Accounts

Telephone or write us AS SOON AS YOU CAN if you think your statement or receipt is wrong, or if you need more information about a transaction listed on the statement or receipt. We must hear from you no later than sixty (60) days after we send you the FIRST statement on which the problem or error appeared. Provide the following information: (a) Your name and account number. (b) Describe the error or the transfer you are unsure about, and a clear explanation of why you believe it is an error, or why you need more information. (c) The dollar amount of the suspected error. If you tell us orally, we may require that you send your complaint or question in writing within ten (10) business days.

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 forty-five (45) days to investigate your complaint or question. For new accounts, Point-of-Sale, or international transactions, we may take up to ninety 90) days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days (five (5) business days for Visa Debit Card purchases) for the amount you think is in error, so you will have the use of the money during the time it takes to complete our investigation. For new accounts, we may take up to twenty (20) days to credit your account for the amount you think is in error. If we ask you to put your complaint or question in writing and do not receive it within ten (10) business days, we may not credit your account. We will tell you the results within three (3) business days after we finish 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.

Overdrafts

If any withdrawal(s) create a negative balance in your account, you agree to repay to us the amount of the overdraft, including customary and usual overdraft charges in the same manner as any other overdraft on your account.

Cancellation

Your card and PIN remain our property and immediate surrender of either may be required by us at any time. We may cancel the card, PIN, and/or electronic fund transfer privileges at any time without notice or cause. Any cancellation or termination does not affect any of your existing liability to us.

Liability

If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions.

We will not be liable, for instance:

• If, through no fault of ours, you do not have enough money in your account to make the transfer.
• If the transfer would go over the credit limit on your overdraft line.
  If the automated teller machine where you are making the transfer does not have enough cash.
• If the terminal or system was not working properly and you knew about the breakdown when you started the transfer.
• If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
• If we have reason to believe that transactions involving your account may be unauthorized, fraudulent, illegal or otherwise improper.
• If you have not notified the Credit Union of travel.

We expressly disclaim all warranties that the components, including, but not limited to, cards and terminals, will function properly or be available for use.

Agreement Modification

This Agreement may be amended by us without prior notice to you when such a change is immediately necessary to maintain or restore the security of the system or a member's account; however, we will notify you in writing twenty-one (21) days prior to the effective date of any change in any term or condition of the Agreement or your account, if such change would result in an increase in fees, greater cost liability for you or decreased access to your account.

Joint Accounts

All parties to joint share or share draft account(s) agree to be jointly and severally bound by this Agreement. All cards must be returned to us prior to the addition or deletion of a name from any account subject to this Agreement. The PIN may provide access to accounts owned by the primary member. Joint owners may have access to all of the primary member's accounts at the credit union, including accounts owned singly by the primary member or jointly by the primary member and other persons.

ACH Funds Transfers: This Section Addresses Non-Consumer Accounts Only.

You may desire to receive an electronic transfer of funds into your account. Such transfers may be transmitted through the Automated Clearing House ("ACH") System. Your rights and responsibilities will be governed by Maine law, including Article 4A of the Uniform Commercial Code. Credit given by your credit union with respect to these transfers is provisional until the credit union receives final settlement through a Federal Reserve Bank or otherwise has received payment. If your credit union does not receive payment for a transfer, then the credit union is entitled to a refund from you in the amount credited to you on a provisional basis, and the originator of the transfer will not be considered to have paid the amount of the entry to your account. Your credit union is not obligated by the ACH rules to provide you with notice any time that it has received a transfer and made an entry to your account unless the credit union has otherwise agreed to do so.

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