Disclosures

General Disclosures
Regulation D Disclosure
Truth-in-Savings Disclosure
USA Patriot Act Notice

Membership and Account Agreement
Funds Availability Policy
Electronic Funds Transfer Agreement and Disclsoure
DPS Federal Credit Union Terms, Conditions, and Disclosures Home Banking and Bill Pay Service
Privacy Notice

APR = Annual Percentage Rate +
APY = Annual Percentage Yield. Annual Percentage Yield reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period.

+ Rates are subject to change without notice.

GENERAL DISCLOSURES:

Loans - Rate and Fee Schedule:

	Secured	Share/Certificate Secured	Unsecured	Line of Credit
Annual Percentage Rate (APR)	Based on qualifying credit score.	Dividend Rate plus 2.00% at time of each advance and applied to entire balance.	Based on qualifying credit score.	Based on qualifying credit score.
Minimum Payment	$25.00	$25.00	$25.00	Greater of $25.00 or $18 for each increment of $500.
Minimum Advance	$250	$250	$250	$150
Late Charges on Delinquent >= 15 days.	5% of principal and interest of late payment.		5% of principal and interest of late payment.	5% of principal and interest of late payment.
Collection Costs	Reasonable attorney fees <= 15% of unpaid debt at default.	Reasonable attorney fees <= 15% of unpaid debt at default.	Reasonable attorney fees <= 15% of unpaid debt at default.	Reasonable attorney fees <= 15% of unpaid debt at default.

Share Savings Accounts - Rate and Fee Schedule:

	Regular Shares	Share Drafts	Share Certificates	IRA Share Certificates
Membership (Par Value)	$5.00
Minimum Balance Requirements	$5.00		$500.00	$500.00
Balance Method	Average Daily Balance		Average Daily Balance	Average Daily Balance
Dividend Period / Credited / Compounded	Calendar Quarter		Calendar Quarter	Calendar Quarter
Annual Percentage Yield (APY)	Dividends declared at end of calendar quarter		Fixed interest rate. Offering interest rates subject to change without notice.	Fixed interest rate. Offering interest rates subject to change without notice.
Early Withdrawal Fee/Penalties			180 full days of interest	180 full days of interest
Dormant/Inactive Account Fees per month (Inactivity for 24 months or more)	$5.00	$5.00
Excessive Item Withdrawals (Over Six [ 6 ] Per Month) **	$1.00	Unlimited
Statement Copies per item	$5.00	$5.00
Account Inquiries per inquiry	$3.00	$3.00
Monthly service fee ***		$3.00 ***
Courtesy Overdraft Privilege (COP) Item Fee w/qualification	$25.00	$25.00
Insufficient (NSF) Item / Return Fee ****	$25.00	$25.00
Stop Payment Orders per item		$25.00
Share Draft/Check Printing Fees		Current Cost per style
Canceled Check Photo Copy per item		$0.50
Visa ATM card		$10.00
Replacement ATM card		$10.00

All fees are disclosed as per item charges and MAY be assessed against your account.

REGULATION D DISCLOSURE:

** Federal Reserve Regulation D limits the number of preauthorized or automatic withdrawals or telephonic agreements or transfers to another account at the same credit union or to a third party to six (6) per calendar month. The member may not make more than three of these six transfers by share draft, draft, debit card, or similar order and payable to third parties. Affected transfer transactions are defined as preauthorized, automatic, or telephone and include electronic transfers, withdrawals, or payments to third parties initiated by a member from a personal computer. However, withdrawals can be unlimited if the member makes withdrawals or transfers in person, at an automated teller machine (ATM), by mail, or by telephone with the check or share draft mailed to the member.

*** Currently waived.
**** Applies to insufficient share drafts (checks), unpaid returned deposit items, ATM withdrawals, debit card transactions, preauthorized automatic debits, ACH transactions, telephone initiated transfers, or other electronic transactions.

Truth-in-Savings Disclosure:

Share and Share Draft Accounts

Rate Information: The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. For share/savings accounts and IRA share/savings accounts, the Dividend Rate and Annual Percentage Yield may change quarterly as determined by the Credit Union's Board of Directors. The Dividend Rates and Annual Percentage Yield are the interest rate and yields as of the last dividend declaration date which is set forth in the Rate and Fee Schedule. At the present time, the credit union does not pay dividends on Share Draft Accounts.
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: The compounding and crediting frequency of dividends and dividend period applicable to each account are set forth in the Rate and Fee Schedule. The Dividend Period is the period of time at the end of which an account earns dividend credit. The Dividend Period begins on the first calendar day of the period and ends on the last calendar day of the period.
Accrual of Dividends: For share/savings accounts, dividends will begin to accrue on noncash deposits (e.g. checks) on the business day you make the deposit to your account. If you close your account before accrued dividends are credited at the end of a quarter, accrued dividends will not be paid.
Balance Information: To open any account you must deposit or already have on deposit at least the par value of one full share in any account. The par value amount is stated in the Rate and Fee Schedule. Some accounts may have additional minimum opening deposit requirements. The minimum balance requirements to each account are set forth in the Rate and Fee Schedule. For share/savings accounts using an average daily balance method, dividends are calculated by applying a periodic rate to the average daily balance in the account for the period. The average daily balance 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 the period.
Account Limitations: For share/savings no more that six (6) preauthorized, automatic, or telephone transfers may be made from each account to another account or to a third party in any month, and no more than three (3) of these six (6) transfers may be made by share draft/check, draft, or debit card to a third party. If you exceed these limitations, your account may be subject to a fee or be closed. For share draft/checking accounts, no account limitations apply. Withdrawals can be unlimited if the member makes withdrawals or transfers in person, at an automated teller machine (ATM), by mail, or by telephone with the check or share draft mailed to the member.

Share Certificate Accounts

Rate Information: The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. For all share certificate accounts the Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the initial term of the account. For accounts subject to dividend compounding, the Annual Percentage Yield is based on an assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings.
Dividend Period: For each account the dividend period is the account's term. The dividend period begins on the first day of the term and ends on the maturity date.
Dividend Compounding and Crediting: The compounding and crediting frequency of dividends are set forth in the Rate and Fee Schedule.
Balance Information: The minimum balance requirements applicable to each account are set forth in the Rate and fee Schedule. To open any account you must deposit or already have on deposit at least the par value of one full share in any account. The par value amount is stated in the Rate and Fee Schedule. Some accounts may have additional minimum opening deposit requirements. For all accounts, dividends are calculated by the Average Daily Balance method, which calculates dividends by applying 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 period and dividing that figure by the number of days in the period.
Accrual of Dividends: For all share certificate accounts, dividends will begin to accrue on noncash deposits (e.g. checks) on the business day you make the deposit to your account.
Transaction Limitations: For all share certificate accounts, after your account is opened you may make withdrawals subject to the early withdrawal penalties stated below.
Maturity. Your account will mature as stated on this Truth-in-Savings Disclosure or on your Account Receipt or Renewal Notice.

Early Withdrawal Penalty: We may impose a penalty if you withdraw from your account before the maturity date.

How the penalty works: The penalty is calculated as a forfeiture of part of the dividends that have been or would be earned on the account. It applies whether or not the dividends have been earned. In other words, if the account has not yet earned enough dividends or if the dividend has already been paid, the penalty will be deducted from the principal.

Exceptions to Early Withdrawal Penalties: At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances:

When an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction.
Where the account is an Individual Retirement Account (IRA) and any portion is paid within seven(7) days after establishment; or where the account is an IRA and the owner attains age 59 ½ or becomes disabled.

Renewal Policy: The renewal policy for your accounts is Automatic. For all accounts, your account will automatically renew for another term upon maturity. You have a grace period of 10 days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty.

Nontransferable/Nonnegotiable: Your account is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure any obligation of an owner, except obligations with this Credit Union.

Notice Regarding ATM Fees by Others: If you use an automated teller machine that is not operated by us, you may be charged a fee by the operator of the machine and/or by an automated transfer network.

Periodic Statements: DPS FCU provides a statement to members at the end of any month in which there is activity on their share draft accounts. DPS FCU will not provide a monthly statement when there is no activity on the share draft account. The quarterly statement shall reflect all accounts a member holds at the credit union.

Changes in Account Terms: The credit union provides advance notice to members of any changes in terms whenever the change adversely affects the member. The notice of change in terms is mailed or delivered to the member at least 30 calendar days before the effective date of the change. No notice of change in terms is required for share draft or check printing fees.

National Credit Union Share Insurance Fund: Your savings are federally insured to $100,000 by the National Credit Union Administration, a U.S. Government Agency.

USA PATRIOT ACT NOTICE:

REQUIREMENTS 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 identities each person who opens an account at DPS Federal Credit Union.

When you open an account we will ask for your name, address, date of birth, and other information and documents that will allow us to identify you. We may ask to see your drivers license, Social Security card, or other identifying documents.

USA Patriot Act Policy. It is the policy of DPS Federal Credit Union that it will not establish an account relationship with an individual or allow an individual to become a signatory party to an account relationship until the required USA PATRIOT Act information about the individual is obtained. It is further the policy of DPS Federal Credit Union that it will not establish an account relationship with an entity until the required USA PATRIOT Act information about the entity is obtained, with the following exception. If the person is a newly formed legal entity and does not have a Taxpayer Identification Number, but provides evidence that a Taxpayer Identification Number has been applied for, then the account may be opened. In such case, the applicant will be required to provide its Taxpayer Identification Number within five (5) weeks of the date that the account is opened. If the Taxpayer Identification Number is not provided, the account shall be closed.

MEMBERSHIP AND ACCOUNT AGREEMENT

This Agreement covers your and our rights and responsibilities concerning Accounts the Credit Union (DPS Federal Credit Union) offers. In this Agreement, the words "you" and "yours" mean anyone who signs an Account Card or Account Change Card (Account Card). The words "we", "us", and "our" mean the Credit Union. The word "account" means any one or more share or other accounts you have with the Credit Union.

Your account type(s) and ownership features are designated on your Account Card. By signing an Account Card, each of you, jointly and severally, agree to the terms and conditions in this Agreement and Account Card, the Funds Availability Policy Disclosure, Truth-in-Savings Rate and Fee Schedule (Rate and Fee Schedule), if applicable, Electronic Funds Transfer Agreement and Disclosure, and any Account Receipt accompanying this Agreement, and the Credit Union's Bylaws and policies, and any amendments of these documents from time to time which collectively govern your Membership and Accounts.

Membership Eligibility. To join the Credit Union you must meet the membership requirements including purchase and maintenance of at least one (1) share ("membership share") as set forth in the Credit Union's Bylaws. You authorize us to check your account, credit, and employment history, and obtain reports from third parties, including credit reporting agencies, to verify your eligibility for the accounts and services you request.
Single Party Accounts. A single party account is an account owned by one member (individual, corporation, partnership, trust or other organization) qualified for credit union membership. If the account owner dies, the interest passes, subject to applicable law, to the decedent's estate or Payable on Death (POD) beneficiary/payee or trust beneficiary, subject to other provisions of this Agreement governing our protection for honoring transfer and withdrawal requests of an owner or owner's agent prior to notice of an owner's death.
Multiple Party Accounts. An account owned by two or more persons is a multiple party account.
1. Rights of Survivorship. Unless otherwise stated on the Account Card, a multiple party account includes rights of survivorship.
  
  This means when one owner dies, all sums in the account will pass to the surviving owner(s). For a multiple party account without rights of survivorship, the deceased owner's interest passes to his or her estate. A surviving owner's interest is subject to the Credit Union's statutory lien for the deceased owner's obligations and to any security interest or pledge granted by a deceased owner, even if a surviving owner did not consent to it.
2. Control of Multiple Party Accounts. Any owner is authorized and deemed to act for any other owner(s) and may instruct us regarding transactions and other account matters. Each owner guarantees the signature of any other owner(s). Any owner may withdraw all funds, stop payment on items, transfer, or pledge to us all or any part of the shares without the consent of the other owners. We have no duty to notify any owners about any transaction. We reserve the right to require written consent of all owners for any change to or termination of an account. If we receive written notice of a dispute between owners or inconsistent instructions from them, we may suspend or terminate the account and require a court order or written consent from all owners to act.
3. Multiple Party Account Owner Liability. If a deposited item in a multiple party account is returned unpaid, an account is overdrawn, or if we do not receive final payment on a transaction, the owners, jointly and severally, are liable to us for the amount of the returned item, overdraft, or unpaid amount and any charges, regardless of who initiated or benefited from the transaction. If any account owner is indebted to us, we may enforce our rights against any account of an owner or all funds in the multiple party account regardless of who contributed them.
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POD/Trust Account Designations. A Payable on Death (POD) account or trust account designation is an instruction to the Credit Union that a single or multiple party account so designated is payable to the owner(s) during his, her or their lifetimes and, when the last account owner dies, payable to any named and surviving POD or trust beneficiary/payee. Accounts payable to more than one surviving beneficiary/payee are owned jointly by such beneficiaries/payees without rights of survivorship. Any POD or trust beneficiary/payee designation shall not apply to Individual Retirement Accounts (IRAs) which are governed by a separate beneficiary/payee designation. We are not obligated to notify any beneficiary/payee of the existence of any account or the vesting of the beneficiary/payee's interest in any account, except as otherwise provided by law.
Accounts for Minors. We may require any account established by a minor to be a multiple party account with an owner who has reached the age of majority under state law and who shall be jointly and severally liable to us for any returned item, overdraft, or unpaid charges or amounts on such account. We may pay funds directly to the minor without regard to his or her minority. Unless a guardian or parent is an account owner, the guardian or parent shall not have any account access rights. We have no duty to inquire about the use or purpose of any transaction. We will not change the account status when the minor reaches the age of majority, unless authorized in writing by all account owners.
Uniform Transfers/Gifts to Minors Account. A Uniform Transfers/Gifts to Minors Account (UTTMA/UGMA) is an individual account created by a custodian who deposits funds as an irrevocable gift to a minor. The minor to whom the gift is made is the beneficiary of the custodial property in the account. The custodian has possession and control of the account for the exclusive right and benefit of the minor and barring a court order otherwise, is the only party entitled to make deposits, withdrawals, or close the account. We have no duty to inquire about the use or purpose of any transaction. If the custodian dies, we may suspend the account until we receive instructions from any person authorized by law to withdraw funds or a court order authorizing withdrawal.
Agency Designation on an Account. An agency designation on an account is an instruction to us that the owner authorizes another person to make transactions as agent for the account owner regarding the accounts designated. An agent has no ownership interest in the account(s) or Credit Union voting rights. We have no duty to inquire about the use or purpose of any transaction made by the agent.
Deposit of Funds Requirements. Funds may be deposited to any account, in any manner approved by the Credit Union in accordance with the requirements set forth in the Rate and Fee Schedule.
1. Endorsements. We may accept transfers, checks, drafts, and other items for deposit into any of your accounts if they are made payable to, or to the order of, one or more account owners even if they are not endorsed by all payees. You authorize us to supply missing endorsements of any owners if we choose. If a check, draft or item that is payable to two or more persons is ambiguous as to whether it is payable to either or both, we may process the check, draft or item as though it is payable to either person. If an insurance, government, or other check or draft requires an endorsement as set forth on the back of the check or draft, we may require endorsement as set forth on the item. Endorsements must be made on the back of the share draft or check within 1½ inches from the top edge, although we may accept endorsements outside this space. However, any loss we incur from a delay or processing error resulting from an irregular endorsement or other markings by you or any prior endorser will be your responsibility.
2. Collection of Items. We act only as your agent and we are not responsible for handling items for deposit or collection beyond the exercise of ordinary care. Deposits made by mail or at unstaffed facilities are not our responsibility until we receive them. We are not liable for the negligence of any correspondent or for loss in transit, and each correspondent will only be liable for its own negligence. We may send any item for collection. Items drawn on an institution located outside the United States are handled on a collection basis only. You waive any notice of nonpayment, dishonor, or protest regarding items we purchase or receive for credit or collection to your account.
3. Final Payment. All items or Automated Clearing House (ACH) transfers credited to your account are provisional until we receive final payment. If final payment is not received, we may charge your account for the amount of such items or ACH transfers and impose a return item charge on your account. Any collection fees we incur may be charged to your account. We reserve the right to refuse or return any item or funds transfer.
4. Direct Deposits. We may offer preauthorized deposits (e.g., payroll checks, Social Security or retirement checks, or other government checks) or preauthorized transfers from other accounts. You must authorize each direct deposit or preauthorized transfer by filling out a separate form. You must notify us at least thirty (30) days in advance to cancel or change a direct deposit or transfer option. Upon a bankruptcy filing, unless you cancel an authorization we will continue making direct deposits in accordance with your authorization on file with us. If we are required to reimburse the U.S. Government for any benefit payment directly deposited into your account, we may deduct the amount returned from any of your accounts, unless prohibited by law.
5. Crediting of Deposits. Deposits made after the deposit cutoff time and deposits made on either holidays or days that are not our business days will be credited to your account on the next business day.
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Account Access.
1. Authorized Signature. Your signature on the Account Card authorizes your account access. We will not be liable for refusing to honor any item or instruction if we believe the signature is not genuine. If you have authorized the use of a facsimile signature, we may honor any draft that appears to bear your facsimile signature even if it was made by an unauthorized person. You authorize us to honor transactions initiated by a third person to whom you have given your account number even if you do not authorize a particular transaction.
2. Access Options. You may withdraw or transfer funds from your account(s) in any manner we permit (e.g., at an automated teller machine, in person, by mail, automatic transfer, or telephone, as applicable). We may return as unpaid any draft drawn on a form we do not provide, and you are responsible for any loss we incur handling such a draft. We have the right to review and approve any form of power of attorney and may restrict account withdrawals or transfers. We are under no obligation to honor any power of attorney.
3. ACH & Wire Transfers. If we provide the service, you may initiate or receive credits or debits to your account through wire or ACH transfer. You agree that if you receive funds by a wire or ACH transfer, we are not required to notify you at the time the funds are received. Instead, the transfer will be shown on your periodic statement. We may provisionally credit your account for an ACH transfer before we receive final settlement. We may reverse the provisional credit or you will refund us the amount if we do not receive final settlement. When you initiate a wire transfer, you may identify either the recipient or any financial institution by name and by account or identifying number. The Credit Union (and other institutions) may rely on the account or other identifying number as the proper identification even if it identifies a different party or institution.
4. Credit Union Examination. We may disregard information on any draft or check, other than the signature of the drawer, the amount and any magnetic encoding. You agree that if we do not fail to exercise ordinary care in paying an item solely because our procedures do not provide for sight examination of items.
Account Rates and Fees. We pay account earnings and assess fees against your account as set forth in the Rate and Fee Schedule. We may change the Rate and Fee Schedule at any time and will notify you as required by law.
Transaction Limitations.
1. Withdrawal Restrictions. We permit withdrawals only if your account has sufficient available funds to cover the full amount of the withdrawal or you have an established overdraft protection plan. Drafts or other transfer or payment orders which are drawn against insufficient funds may be subject to a service charge set forth in the Rate and Fee Schedule. If there are sufficient funds to cover some, but not all, of your withdrawal, we may allow those withdrawals for which there are sufficient funds in any order at our discretion.
  
  We may refuse to allow a withdrawal in some situations, and will advise you accordingly; for example: (1) a dispute between account owners (unless a court has ordered the Credit Union to allow the withdrawal); (2) a legal garnishment or attachment is served; (3) the account secures any obligation to us; (4) required documentation has not been presented; (5) you fail to repay a Credit Union loan on time. We may require you to give written notice of seven (7) days to sixty (60) days before any intended withdrawals.
2. Transfer Limitations. For share savings and money market accounts, if applicable, you may make up to six (6) preauthorized, automatic, telephonic, or audio response transfers to another account of yours or to a third party during any calendar month. Of these six, you may make no more than three (3) transfers to a third party by check or debit card. A preauthorized transfer includes any arrangement with us to pay a third party from your account upon oral or written orders including orders received through the automated clearing house (ACH). You may make unlimited transfers to any of your accounts or to any Credit Union loan account and may make withdrawals in person, by mail, or at an ATM. However, we may refuse or reverse a transfer that exceeds these limitations and may assess fees against, suspend or close your account.
Certificate Accounts. Any time deposit, term share, share certificate, or certificate of deposit account allowed by state law (Certificate Account), whichever we offer, is subject to the terms of this Agreement, the Rate and Fee Schedule and Account Deposit Receipt for each account the terms of which are incorporated herein by reference.
Overdrafts.
1. Overdraft Liability. If on any day, the funds in your share account are not sufficient to cover drafts, fees or other items posted to your account, those amounts will be handled in accordance with our overdraft procedures or an overdraft protection plan you have with us. The Credit Union's determination of an insufficient account balance may be made at any time between presentation and the Credit Union's midnight deadline with only one review of the account required. We do not have to notify you if your account does not have funds to cover drafts, fees or other posted items. Whether the item is paid or returned, your account may be subject to a charge as set forth in the Rate and Fee Schedule. Except as otherwise agreed in writing, we, by covering one or any overdraft, do not agree to cover overdrafts in the future and may discontinue covering overdrafts at any time without notice. If we pay a draft or impose a fee that would otherwise overdraw your account, you agree to pay the overdrawn amount immediately. We reserve the right to pursue collection of previously dishonored items at any time, including giving a payor bank extra time beyond any midnight deadline limits.
2. Overdraft Protection Plan. If we have approved an overdraft protection plan for your account, we will honor drafts drawn on insufficient funds by transferring funds from another account under this Agreement or a loan account, as you have directed, or as required under the Credit Union's overdraft protection policy. The fee for overdraft transfers, if any, is set forth on the Rate and Fee Schedule. This Agreement governs all transfers, except those governed by agreements for loan accounts.
Postdated and Staledated Drafts. We may pay any draft without regard to its date unless you notify us of a postdating. The notice must be given to us in time so that we can notify our employees and reasonably act upon the notice and must accurately describe the draft, including the exact number, date, and amount. You understand that the exact information is necessary for the Credit Union's computer to identify the draft. We are not responsible if you give us an incorrect or incomplete description, or untimely notice. You may make an oral notice which lapses in fourteen (14) calendar days unless confirmed in writing. A written notice is effective for six (6) months and may be renewed in writing from time to time. You agree not to deposit checks, drafts, or other items before they are properly payable. We are not obligated to pay any check or draft drawn on your account which is presented more than six (6) months past its date.

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Stop Payment Orders.
1. Stop Payment Order Request. You may request a stop payment order on any draft drawn on your account. To be binding an order must be dated, signed, and describe the account and draft number and the exact amount. The stop payment will be effective if the Credit Union receives the order in time for the Credit Union to act upon the order and you state the number of the account, number of the draft, and its exact amount. You understand that the exact information is necessary for the Credit Union's computer to identify the draft. If you give us incorrect or incomplete information, we will not be responsible for failing to stop payment on the draft. If the stop payment order is not received in time for us to act upon the order, we will not be liable to you or to any other party for payment of the draft. If we recredit your account after paying a draft over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the payee, to transfer to us all of your rights against the payee or other holders of the draft and to assist us in any legal action.
2. Duration of Order. You may make an oral stop payment order which will lapse within fourteen (14) calendar days unless confirmed in writing within that time. A written stop payment order is effective for six (6) months and may be renewed in writing from time to time. We do not have to notify you when a stop payment order expires.
3. Liability. Fees for stop payment orders are set forth on the Rate and Fee Schedule. You may not stop payment on any certified check, cashier's check, teller's check, or any other check, draft, or payment guaranteed by us. Although payment of an item may be stopped, you may remain liable to any item holder, including us. You agree to indemnify and hold the Credit Union harmless from all costs, including attorney's fees, damages or claims related to our refusing payment of an item, including claims of any multiple party account owner, payee, or indorsee in failing to stop payment of an item as a result of incorrect information provided by you.
Credit Union Liability. If we do not properly complete a transaction according to this Agreement, we will be liable for your losses or damages not to exceed the amount of the transaction, except as otherwise provided by law. We will not be liable if: (1) your account contains insufficient funds for the transaction; (2) circumstances beyond our control prevent the transaction; (3) your loss is caused by your or another financial institution's negligence; or (4) your account funds are subject to legal process or other claim. We will not be liable for consequential damages, except liability for wrongful dishonor. We exercise ordinary care if our actions or nonactions are consistent with applicable state law, federal reserve regulations and operating letters, clearinghouse rules, and general banking practices followed in the area we serve. You grant us the right, in making payments of deposited funds, to rely exclusively on the form of the account and the terms of this Account Agreement. Any conflict between what you or our employees may say or write will be resolved by reference to this Agreement.
Credit Union Lien and Security Interest. If you owe us money as a borrower, guarantor, endorser or otherwise, we have a statutory lien on the account funds in any account in which you have an ownership interest, regardless of their source, unless prohibited by law. We may apply these funds, without further notice to you, in any order to pay off your indebtedness. By not enforcing a lien, we do not waive our right to enforce it later. In addition, you grant the Credit Union a consensual security interest in your accounts and we may use the funds from your accounts to pay any debt or amount now or hereafter owed the Credit Union, except for obligations secured by your residence, unless prohibited by applicable law. All accounts are nonassignable and nontransferable to third parties.
Legal Process. If any legal action is brought against your account, we may pay out funds according to the terms of the action or refuse any payout until the dispute is resolved. Any expenses or attorney fees we incur responding to legal process may be charged against your account without notice, unless prohibited by law. Any legal process against your account is subject to our lien, and security interest.
Account Information. Upon request, we will give you the name and address of each agency from which we obtain a credit report regarding your account. We agree not to disclose account information to third parties except when: (1) it is necessary to complete a transaction; (2) the third party seeks to verify the existence or condition of your account in accordance with applicable law; (3) such disclosure complies with the law or a government agency or court order; or (4) you give us written permission.
Notices.
1. Name or Address Changes. You are responsible for notifying us of any address or name change. The Credit Union is only required to attempt to communicate with you at the most recent address you have provided to us. We may accept oral notices of a change in address and may require any other notice from you to us be provided in writing. If we attempt to locate you, we may impose a service fee as set forth on the Rate and Fee Schedule.
2. Notice of Amendments. Except as prohibited by applicable law, we may change the terms of this Agreement. We will notify you of any changes in terms, rates, or fees as required by law. We reserve the right to waive any term in this Agreement. Any such waiver shall not affect our right to future enforcement.
3. Effect of Notice. Any written notice you give us is effective when we receive it. Any written notice we give to you is effective when it is deposited in the U.S. Mail, postage prepaid and addressed to you at your statement mailing address. Notice to any account owner is considered notice to all account owners.
Taxpayer Identification Numbers and Backup Withholding. Your failure to furnish a correct Taxpayer Identification Number (TIN) or meet other requirements may result in backup withholding. If your account is subject to backup withholding, we must withhold and pay to the Internal Revenue Service (IRS) a percentage of dividends, interest, and certain other payments. If you fail to provide your TIN, we may suspend opening your account, or, if applicable, you may request a non-dividend or non-interest bearing account until a TIN is provided.

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Statements.
1. Contents. If we provide a periodic statement for your account, you will receive a periodic statement of transactions and activity on your account during the statement period as required by applicable law. If a periodic statement is provided, you agree that only one statement is necessary for a multiple party account. For share draft or checking accounts, you understand and agree that your original draft, when paid, becomes property of the Credit Union and may not be returned to you, but copies may be retained by us or payable through financial institutions and made available upon your request. You understand and agree that statements are made available to you on the date they are mailed to you. You also understand and agree that drafts or copies thereof are made available to you on the date the statement is mailed to you, even if the drafts do not accompany the statement.
2. Examination. You are responsible for examining each statement and reporting any irregularities to us. We will not be responsible for any forged, altered, unauthorized or unsigned items drawn on your account if (1) you fail to notify us within thirty-three (33) days of the mailing date of the earliest statement regarding any forgery, alteration or unauthorized signature on any item described in the statement; or (2) any items are forged or altered in a manner not detectable by a reasonable person, including the unauthorized use of a facsimile signature machine.
3. Notice to Credit Union. You agree that the Credit Union's retention of drafts does not alter or waive your responsibility to examine your statements or the time limit for notifying us of any errors. The statement will be considered correct for all purposes and we will not be liable for any payment made or charge to your account unless you notify us in writing within the above time limit for notifying us of any errors. If you fail to receive a periodic statement you agree to notify us within fourteen (14) days of the time you regularly receive a statement.
Inactive Accounts. If your account falls below any applicable minimum balance and you have not made any transactions over a period specified in the Fee Schedule during which we have been unable to contact you by regular mail, we may classify your account as inactive or dormant. Unless prohibited by applicable law, we may charge a service fee set forth on the Fee Schedule for processing your inactive account. If we impose a fee, we will notify you, as required by law, at your last known address. You authorize us to transfer funds from another account of yours to cover any service fees, if applicable. To the extent allowed by law, we reserve the right to transfer the account funds to an account payable 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 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.
Special Account Instructions. You may request that we facilitate certain trust, will, or court-ordered account arrangements. However, because we do not give legal advice, we cannot counsel you as to which account arrangement most appropriately meets the specific requirements of your trust, will, or court order. If you ask us to follow any instructions that we believe might expose us to claims, lawsuits, expenses, liabilities, or damages, whether directly or indirectly, we may refuse to follow your instructions or may require you to indemnify us or post a bond or provide us with other protection. Account changes requested by you, or any account owner, such as adding or closing an account or service, must be evidenced by a signed Account Change form and accepted by us.
Termination of Account. We may terminate your account at any time without notice to you or may require you to close your account and apply for a new account if: (1) there is a change in owners or authorized signers; (2) there has been a forgery or fraud reported or committed involving your account; (3) there is a dispute as to the ownership of the account or of the funds in the account; (4) any share drafts are lost or stolen; (5) there are excessive returned unpaid items not covered by an overdraft protection plan; (6) there has been any misrepresentation or any other abuse of any of your accounts; or (7) we reasonably deem it necessary to prevent a loss to us. You may terminate a single party account by giving written notice. We reserve the right to require the consent of all owners to terminate a multiple party account. We are not responsible for payment of any draft, withdrawal, or other item after your account is terminated, however, if we pay an item after termination, you agree to reimburse us.
Termination of Membership. You may terminate your membership by giving us notice. You may be denied services or expelled for any reason allowed by applicable law, including causing a loss to the Credit Union.
Death of Account Owner. We may continue to honor all transfer orders, withdrawals, deposits and other transactions on an account until we are notified of a member's death. Once we are notified of a member's death, we may pay drafts or honor other payments or transfer orders authorized by the deceased member for a period of ten (10) days after that date unless we receive instructions from any person claiming an interest in the account to stop payment on the drafts or other items. We may require anyone claiming a deceased owner's account funds to indemnify us for any losses resulting from our honoring that claim.
This Agreement will be binding upon any heirs or legal representatives of any account owner.
Severability. If a court holds any portion of this Agreement to be invalid or unenforceable, the remainder of this Agreement shall not be invalid or unenforceable and will continue in full force and effect. All headings are intended for reference only and are not to be construed as part of the Agreement.
Enforcement. You are liable to us for any loss, cost or expense we incur resulting from your failure to follow this Agreement.
You authorize us to deduct any such loss, costs or expenses from your account without prior notice to you. If we bring a legal action to collect any amount due under or to enforce this Agreement, we shall be entitled, subject to applicable law, to payment of reasonable attorney's fees and costs, including fees on any appeal, bankruptcy proceedings, and any post-judgment collection actions.
Governing Law. This Agreement is governed by the Credit Union's Bylaws, federal laws and regulations, the laws, including applicable principles of contract law, and regulations of the state in which the Credit Union's main office is located, and local clearinghouse rules, as amended from time to time. As permitted by applicable law, you agree that any legal action regarding this Agreement shall be brought in the county in which the Credit Union is located.

FUNDS AVAILABILITY POLICY

This Disclosure describes your ability to withdraw funds at DPS Federal Credit Union.

General Policy. Our policy is to make funds from your cash and check deposits available to you on the next business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are available, you can withdraw the funds in cash and we will use the funds to pay checks that 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 3:00 PM 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 3:00 PM or on a day we are not open, we will consider that the deposit was made on the next business day we are open.
Reservation of Right to Hold. In some cases, we will not make all of the funds that you deposit by check available to you on the next business day after we receive your deposit. Depending on the type of check that you deposit, funds may not be available until the fifth business day after the day of your deposit. However, the first $100 of your deposit will be available on the first business day after the day of your deposit. If we are not going to make all of the funds from your deposit available on the next business day, 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 the notice by the next business day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available.
Holds on Other Funds. If we cash a check for you that is drawn on another financial institution, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on another financial institution, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited.
Longer Delays May Apply. We may delay your ability to withdraw funds deposited by check into your account an additional number of days for these reasons:
- We believe a check you deposit will not be paid.
- You deposit checks totaling more than $5,000 on any one day.
- You deposit a check that has been returned unpaid.
- You have overdrawn your account repeatedly in the last six (6) months.
- There is an emergency, such as failure of computer or communications equipment.
We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the eleventh business day after the day of your deposit.
Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,000 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state and local government checks will be available on the next 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 ninth business day after the day of your deposit.
Deposits at Nonproprietary ATMs. Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we do not own or operate will not be available until the fifth business day after the date of your deposit. This rule does not apply at ATMs that we own or operate. All ATMs that we own or operate are identified as our machines.

ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE

This Electronic Funds Transfer Agreement is the contract which covers your and our rights and responsibilities concerning the electronic funds transfer ("EFT") services offered to you by DPS Federal Credit Union (DPSFCU). In this Agreement, the words "you" and "yours" mean those who sign the application or account card as applicants, joint owners, or any authorized users. The words "we," "us," and "our" mean the Credit Union. The word "account" means any one or more share/savings, share draft/checking, savings and checking accounts you have with the Credit Union. Electronic funds transfers are electronically initiated transfers of money from your account through the electronic funds transfer services described below. By signing an application or account card for EFT services, signing your Card, or using any service, each of you, jointly and severally, agree to the terms and conditions in this Agreement and any amendments for the EFT services offered.

EFT Services. If approved, you may conduct any one or more of the EFT services offered by the Credit Union.
1. Transfund. If approved, you may use your Card and PIN (Personal Identification Number) in automated teller machines of the Credit Union, Transfund, Cirrus Networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may use your Card to:
  - Make deposits to your share/savings and share draft/checking accounts.
  - Withdraw funds from your share/savings and share draft/checking accounts.
  - Transfer funds from you share/savings and share draft/checking accounts.
  - Obtain balance information for you share/savings and share draft/checking accounts.
  The following limitations on the frequency and amount of ATM transactions may apply:
  - You may withdraw up to a maximum of $505.00 in any one day, if there are sufficient funds in your account
  - You may transfer up to the available balance in your accounts at the time of the transfer.
  - See Section 2 for transfer limitations that may apply to these transactions.
  Because of the servicing schedule and processing time required in ATM operations, there may be a delay between the time a deposit (either cash or check) is made and when it will be available for withdrawal.
2. VISA Check Card. You may use your Card to purchase goods and services from participating merchants. You agree that you will not use your Card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your Card purchases will be deducted from your share draft/checking account. If the balance in your account is not sufficient to pay the transaction amount, the credit union will pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your Account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your Card and PIN (Personal Identification Number) in automated teller machines of the Credit Union, Transfund, Cirrus networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your Card to:
  - Make deposits to your share/savings and share draft/checking accounts.
  - Withdraw funds from your share/savings and share draft/checking accounts.
  - Transfer funds from your share/savings and share draft/checking accounts.
  - Obtain balance information for your share/savings and share draft/checking accounts.
  - Make POS (Point-of-Sale) transactions with your Card and PIN (Personal Identification Number) to purchase goods or services at merchants that accept VISA.
  - Order goods or services by mail or telephone from places that accept VISA.
  - The following limitations on the frequency and amount of VISA Check Card transactions may apply:
  - You may withdraw up to a maximum of $505.00 in any one day from an ATM machine, if there are sufficient funds in your account.
  - You may transfer up to the available balance in your accounts at the time of the transfer.
  - See Section 2 for transfer limitations that may apply to these transactions.
3. DPS Federal Credit Union Voice Response (Audio Response). If we approve the DPS Federal Credit Union Voice Response access service for your accounts, a separate PIN (Personal Identification Number) will be assigned to you. You must use your PIN (Personal Identification Number) along with your account number to access your accounts. At the present time you may use the audio response access service to:
  - Withdraw funds from your share/savings and share draft/checking accounts.
  - Transfer funds from your share/savings and share draft/checking accounts.
  - Obtain balance information for your share/savings and share draft/checking accounts.
  - Determine if a particular item has cleared.
  Your accounts can be accessed under the DPS Federal Credit Union Voice Response service via a touch tone telephone only. DPS Federal Credit Union Voice Response service will be available for your convenience twenty-four (24) hours per day. This service may be interrupted for a short time each day for data processing.
  - There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one day.
  - See Section 2 for transfer limitations that may apply to these transactions.
  The Credit Union reserves the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. All checks are payable to you as a primary member and will be mailed to your address of record. The Credit Union may set other limits on the amount of any transaction, and you will be notified of those limits. The Credit Union may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction, and there may be limits on the duration of each telephone call.
4. Preauthorized EFTs.
  - Direct Deposit. Upon instruction of (i) your employer or (ii) the Treasury Department or (iii) other financial institutions, the Credit Union will accept direct deposits of your paycheck or of federal recurring payments, such as Social Security, to your share/savings or share draft/checking account.
  - Preauthorized Debits. Upon instruction, we will pay certain recurring transactions from your share/savings, share draft/checking account.
  - See Section 2 for transfer limitations that may apply to these transactions.
5. Internet Member Access. If we approve the Internet Member Access for your accounts, a separate PIN (Personal Identification Number) will be assigned to you. You must use your PIN (personal Identification Number) along with your account number to access your accounts. At the present time you may use Internet Member Access to:
  - Withdraw funds from your share/savings and share draft/checking accounts.
  - Transfer funds from your share/savings and share draft/checking accounts.
  - Obtain balance information for your share/savings and share draft/checking accounts.
  - Make loan payments from your share/savings and share draft/checking accounts.
  - Access your Line-of-Credit accounts.
  - Determine if a particular item has cleared.
  - Obtain tax information on amounts earned on savings and checking accounts or interest paid on loan accounts.
  - Verify the last date and amount of your payroll deposit.
  Internet Member Access services will be available for your convenience twenty-four (24) hours per day. This service may be interrupted for a short time each day for data processing.
  - There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one day.
  - See Section 2 for transfer limitation s that may apply to these transactions.
  The Credit Union reserves the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. All checks are payable to you as a primary member and will be mailed to your address of record. The Credit Union may set other limits on the amount of any transaction, and you will be notified of those limits. The Credit Union may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction, and there may be limits on the duration of each telephone call.
6. Electronic Check Conversion/Electronic Returned Check Fees. 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 funds transfer. You may also authorize merchants to electronically debit your account for returned check fees. You are considered to have authorized these electronic funds transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization.
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Transfer Limitations.
- For all share and savings accounts, no more than six (6) preauthorized, automatic, telephone, or Internet transfers and withdrawals may be made from each account to another account of yours or to a third party in any month, and no more than three (3) of these six (6) may be made by check, draft, or access card to a third party. If you exceed these limitations, your account may be subject to a fee or be closed.
Conditions of EFT Services.
1. Ownership of Cards. Any Card or other device which we supply to you is our property and must be returned to us, or to any person whom we authorize to act as our agent, or to any person who is authorized to honor the Card, immediately according to instructions. The Card may be repossessed at any time at our sole discretion without demand or notice. You cannot transfer your Card or account to another person.
2. Honoring the Card. Neither we nor merchants authorized to honor the Card will be responsible for the failure or refusal to honor the Card or any other device we supply to you. If a merchant agrees to give you a refund or adjustment, you agree to accept a credit to your account in lieu of a cash refund.
3. Foreign Transactions. Visa. Purchases and cash withdrawals made in foreign countries and foreign currencies will be debited from your account in U.S. dollars. The conversion rate to dollars will be determined in accordance with the operating regulations established by VISA International. Currently the currency conversion rate used to determine the transaction amount in U.S. dollars is generally either a government-mandated rate or the wholesale rate in effect the day before the transaction processing date, increased by 1%. The currency conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or cardholder statement posting date.
4. Security of Access Code. You may use one or more access codes with your electronic funds transfers. The access codes issued to you are for your security purposes. Any codes issued to you are confidential and should not be disclosed to third parties or recorded on or with the Card. You are responsible for safekeeping your access codes. You agree not to disclose or otherwise make your access codes available to anyone not authorized to sign on your accounts. If you authorize anyone to use your access codes that authority shall continue until you specifically revoke such authority by notifying the Credit Union. You understand that any joint owner you authorize to use an access code may withdraw or transfer funds from any of your accounts. If you fail to maintain the security of these access codes and the Credit Union suffers a loss, we may terminate your EFT services immediately.
5. Joint Accounts. If any of your accounts accessed under this Agreement are joint accounts, all joint owners, including any authorized users, shall be bound by this Agreement and, alone and together, shall be responsible for all EFT transactions to or from any share/savings and share draft/checking or loan accounts as provide in this Agreement. Each joint account owner, without the consent of any other account owner, may, and hereby is authorized by every other joint account owner to, make any transaction permitted under this Agreement. Each joint account owner is authorized to act for the other account owners, and the Credit Union may accept orders and instructions regarding any EFT transaction on any account from any joint account owner.
Fees and Charges. There are certain fees and charges for electronic funds transfer services. For a current listing of all applicable fees, see our current Fee Schedule that was provided to you at the time you applied for or requested these electronic services. From time to time, the charges may be changed. We will notify you of any changes as required by applicable law.
If you use an ATM not owned by us, you may be charged a fee by the ATM operator and any network used to complete the transfer (and you may be charged a fee for a balance inquiry). The fee will be debited from your account if you elect to complete the transaction or continue with the balance inquiry.
Member Liability. You are responsible for all EFT transactions you authorize. If you permit someone else to use an EFT service, your Card or your access code, you are responsible for any transactions they authorize or conduct on any of your accounts.
Tell us AT ONCE if you believe your card has been lost or stolen or if you believe someone has used your Card or access code or otherwise accessed your accounts without your authority. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft protection). If a transaction was made with your Card or Card number without your permission, and was 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 card. For all other EFT transactions, including ATM transactions, or if you were grossly negligent in the handling of your account or card, your liability for an unauthorized transaction is determined as follows.

If you tell us within two (2) business days you can lose no more than $50 if someone used your Card without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your Card, 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 $500.00.

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 lost after the sixty (60) days if we can prove that we could have stopped someone from making the transfers if you had told us in time. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call:

(405) 212-4567
After hours Fax: (405) 208-7652
(800) 917-6672
Email: dpsfcu@dpsfcu.org
or write to:
DPS Federal Credit Union
3650 N Martin Luther King Ave
Oklahoma City, OK 73111

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Right to Receive Documentation.
1. Periodic Statements. Transfers and withdrawals made through any ATM or POS terminal, Debit Card transactions, audio response transactions, preauthorized EFTs, or electronic/PC transactions you make, will be recorded on your periodic statement. You will receive a statement monthly unless there is no transaction in a particular month. In any case, you will receive a statement at least quarterly.
2. Terminal Receipt. You will get a receipt at the time you make any transaction (except inquiries) involving your account using an ATM, POS terminal, or Debit Card transaction with a participating merchant.
3. Direct Deposit. If you have arranged to have a direct deposit made to your account at least once every sixty (60) days from the same source and you do not receive a receipt (such as a pay stub), you can find out whether or not the deposit has been made by calling (405) 212-4567 or (800) 917-6672. This does not apply to transactions occurring outside the United States.
Account Information Disclosure. We will disclose information to third parties about your account or the transfers you make:
- As necessary to complete transfers;
- To verify the existence of sufficient funds to cover specific transactions upon the request of a third party, such as a credit bureau or merchant;
- To comply with government agency or court orders; or
- If you give us your written permission.
Business Days. Our business days are Monday through Friday, excluding holidays.
Credit Union Liability for Failure to Make 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 may be liable for your losses or damages. However, we will not be liable for direct or consequential damages in the following events:
- If, through no fault of ours, there is not enough money in your accounts to complete the transaction, if any funds in your accounts necessary to complete the transaction are held as uncollected funds pursuant to our Funds Availability Policy, or if the transaction involves a loan request exceeding your credit limit.
- If you used your Card or access code in an incorrect manner.
- If the ATM where you are making the transfer does not have enough cash.
- If the ATM was not working properly and you knew about the problem when you started the transaction.
- If circumstances beyond our control (such as fire, flood, or power failure) prevent the transaction.
- If the money in your account is subject to legal process or other claim.
- If funds in your account are pledged as collateral or frozen because of a delinquent loan.
- If the error was caused by a system of any participating ATM network.
- If the electronic transfer is not completed as a result of your willful or negligent use of your Card, access code, or any EFT facility for making such transfers.
- If the telephone or computer equipment you use to conduct voice response or electronic/PC transactions is not working properly and you know or should have known about the breakdown when you started the transaction.
- Any other exceptions as established by the Credit Union.
1. Stop Payment Rights. If you have arranged in advance to make regular electronic fund transfers out of your account(s) for money you owe others, you may stop payment of preauthorized transfers from your account. You must notify us orally or in writing at any time up to three (3) business days before the scheduled date of the transfer. We may require written confirmation of the stop payment order to be made within fourteen (14) days of any oral notification. If we do not receive the written confirmation, the oral stop payment order shall cease to be binding fourteen (14) days after it has been made.
2. Notice of Varying Amounts. If these regular payments may vary in amount, the person you are going to pay is required to tell you, ten (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.
3. Liability for Failure to Stop Payment of Preauthorized Transfers. If you order us to stop payment of a preauthorized transfer three (3) business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.
Notices. All notices from us will be effective when we have mailed them or delivered them to your 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 in this Agreement. We reserve the right to change the terms and conditions upon which this service is offered. We will mail notice to you at least twenty-one (21) days before the effective date of any change. Use of this service is subject to existing regulations governing the Credit Union account and any future changes to those regulations.
The following information is a list of safety precautions regarding the use of Automated Teller Machines (ATM) and Night Deposit Facilities.
- Be aware of your surroundings, particularly at night.
- Consider having someone accompany you when the ATM or night deposit facility is used after dark.
- Close the entry door of any ATM facility equipped with a door.
- If another person is uncomfortably close to you at the time of your transaction, ask the person to step back before you complete your transaction.
- Refrain from displaying your cash at the ATM or night deposit facility. As soon as your transaction is completed, place your money in your purse or wallet. Count the cash later in the safety of your car or home.
- If you notice anything suspicious at the ATM or night deposit facility, consider using another ATM or night deposit facility or coming back later. If you are in the middle of a transaction and you notice something suspicious, cancel the transaction, take your Card or deposit envelope, and leave.
- If you are followed after making a transaction, go to the nearest public area where people are located.
- Do not write your personal identification number or code on your ATM Card.
- Report all crimes to law enforcement officials immediately. If emergency assistance is needed, call the police from the nearest available public telephone.
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Billing Errors. In case of errors or questions about electronic funds transfers from your share/savings and share draft/checking, savings and checking accounts, telephone us at the following number or send us a written notice to the following address as soon as you can. We must hear from you no later than sixty (60) days after we sent the FIRST statement on which the problem appears. Call us at:
(405) 212-4567
After hours Fax: (405) 208-7652
(800) 917-6672
Email: dpsfcu@dpsfcu.org
or write to:
DPS Federal Credit Union
3650 N Martin Luther King Ave
Oklahoma City, OK 73111
- Tell us your name and account number.
- Describe the electronic transfer you are unsure about, and explain as clearly as you can why you believe the Credit Union has made an error or why you need more information.
- Tell us the dollar amount of the suspected error.
If you tell us orally, we may require that you send us your complaint or question in writing within 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. If we decide to do this, we will credit your account within ten (10)* business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complain or question in writing and we 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 of completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

*If you give notice of an error within thirty (30) days after you make the first deposit to your account, we will have twenty (20) business days instead of ten (10) business days.

**If you give notice of an error within thirty (30) days after you make the first deposit to your account, notice of an error involving a point of sale transaction, or notice of an error involving a transaction initiated outside the U.S. its possessions and territories, we will have ninety (90) days instead of forty-five (45) days to investigate.

NOTE: If the error you assert is an unauthorized VISA transaction, other than a cash disbursement at an ATM, we will credit your account within five (5) business days unless we determine that the circumstances or your account history warrant a delay, in which case you will receive credit within ten (10) business days.
Termination of EFT Services. You may terminate this Agreement or any EFT service under this Agreement at any time by notifying us in writing and stopping your use of your Card and any access code. You must return all Cards to the Credit Union. You also agree to notify any participating merchants that authority to make bill payment transfers has been revoked. We may also terminate this Agreement at any time by notifying you orally or in writing. If we terminate this Agreement, we may notify any participating merchants making preauthorized debits or credits to any of your accounts that this Agreement has been terminated and that we will not accept any further preauthorized transaction instructions. We may also program our computer not to accept your Card or access code for any EFT service. Whether you or the Credit Union terminates this Agreement, the termination shall not affect your obligations under this Agreement for any EFTS made prior to termination.
Governing Law. This Agreement is governed by the Bylaws of the Credit Union, federal laws and regulations, the laws and regulations of the state of Oklahoma and local clearinghouse rules, as amended from time to time. Any disputes regarding this Agreement shall be subject to the jurisdiction of the court of the county in which the Credit Union is located.
Enforcement. You are liable to us for any loss, cost or expenses we incur resulting from your failure to follow this Agreement. You authorize us to deduct any such loss, costs, or expenses from your account without prior notice to you. If we bring a legal action to collect any amount due under or to enforce this Agreement, we shall be entitled, subject to applicable law, to payment of reasonable attorney's fees and costs, including fees on any appeal, bankruptcy proceedings, and any post-judgment collection actions.

® CUNA Mutual Group, 1993, 2001

(26549) 05/03/01 #29357-FK1

DPS FEDERAL CREDIT UNION
TERMS, CONDITIONS, AND DISCLOSURES
HOME BANKING AND BILL PAY SERVICE

(READ THESE TERMS AND SCROLL DOWN TO THE BOTTOM OF THE PAGE TO ACCEPT)

Electronic Delivery of Disclosures, Notices, and Responses

You have requested DPS Federal Credit Union Online Banking or Online Banking with Bill Pay Service (jointly referred to as the "Service"). We are required by Law to provide certain information to you when you sign up for the Service. This information includes the initial disclosure required by the Electronic Funds Transfer Act and Regulation E (jointly "EFTA"). We require that you receive that information electronically in order to enroll for the Service.

In addition, while you are a subscriber to the Service, there may be other disclosures, notices, or other communications we are required to give you pursuant to EFTA, depending on the circumstances. This includes any notice we are required to provide pursuant to EFTA if we make changes to the Service, as well as any responses we are required to provide to you if you assert that an error or unauthorized transaction has occurred in connection with the Service. In order to continue enjoying the benefits of the Service, we require that you be willing to receive any disclosure, notice, or other communication required pursuant to EFTA electronically.

If we provide a disclosure, notice, or other communication to you electronically that we are required to provide to you under EFTA, upon request, we will provide a copy to you at no additional cost.

Withdrawing Consent to Electronic Delivery

You may provide us notice that you are no longer willing to accept this information electronically. If you withdraw your consent your subscription to the Service may be terminated automatically. If you wish to withdraw your consent, you may do so by contacting a Member Service Representative at 1-800-917-6672 or (405) 212-4567.

Consent and Acknowledgement

This consent applies to the Service and any accounts, which you register to use with the Service. By clicking "yes", you are acknowledging receipt of this notice and are agreeing to accept the disclosures and other information electronically as described above and accepting the following:

Acknowledging receipt of the Notice and Consent regarding Electronic Communications Home Banking / Home Banking with Bill Pay Service;
Confirming you are able to access and retain this information provided electronically.
Consenting to receipt of the disclosures and other information electronically as described above, and;
Agreeing to the Terms and Conditions for Home Banking with Bill Pay Service.

This Agreement and Disclosure ("Agreement") contains important information and guidelines for using DPS Federal Credit Union Home Banking and Bill Payment Service. You should read all of the information contained herein. These are the current terms of your Agreement with DPS Federal Credit Union for accessing your accounts and making use of other services via Home Banking and Bill Payment Service. By using the Service, or authorizing others to use it, you agree to these terms. DPS Federal Credit Union may amend these terms from time to time. You will be notified of any amendments that affect your rights or obligations. Each of your accounts at DPS Federal Credit Union, which are accessed by the Service, continue to be governed by the applicable Membership and Account Agreement, State and Federal Regulations relating to Deposit Accounts, Electronic Fund Transfer Agreement and Disclosures, and the Rate and Fee Schedule Disclosure.

Definition of Terms

As used in this Agreement, the following words have the meanings given below:

"Bill Pay" means Home Banking with Bill Pay Service
"Business Day" means Monday through Friday, except Federal Holidays, State government observed Holidays, Saturday, and Sunday
"Transaction Account" means a share draft checking account owned by a member
"Initiation Day" means Monday through Friday, except if the calendar day is a Federal Holiday or State government observed Holiday
"Law" means Federal and State Law and Regulations applicable to the Service
"Payee" means the approved individual, merchant or institution you wish to pay using the Bill Pay Service
"Payment" means instructions for a transfer of funds to a Payee whether by electronic transfer or check
"Payment Processing Day" means Monday through Friday, whether we process your Payment by electronic transfer or check
"Share draft Checking Account" means the account designated for Bill Pay transactions
"Service(s)" means the Home Banking Service or Home Banking with Bill Pay Service for which you have applied
"Username", "Password", "Pin" means the DPS Federal Credit Union access codes assigned or selected by you
"We", "Us", and "Credit Union" means DPS Federal Credit Union
"You", "Yours", "Depositor", and "Account Holder" means each person who applies to use Home Banking and Home Banking with Bill Pay Service

Computer Equipment and Software

You will need computer hardware and software sufficient to enable you to access the Internet. You will need to have an Internet service provider and a browser that is SSL compliant (128 bit encryption) which includes Microsoft Internet Explorer 6.0 or greater, or Netscape Navigator 6.2.3 or greater.

You are responsible for the installation, maintenance, and operation of the computer and browser software. The risk of error, failure, or non-performance is your risk and includes the risk that you do not operate the computer and software properly. We are not responsible for any loss, damage or injury, whether caused by your equipment of software, the services, or any technical or editorial errors contained in or omissions from any user guide related to the services. We will not be responsible for any direct, indirect, special or consequential damages arising in any way out of the installation, use or maintenance of your equipment, software or the services, except where the law requires a different standard.

Unavailable, Delayed, or Inaccurate Account Information

DPS Federal Credit Union strives to provide complete, accurate, and timely account information through the Service. However, unless otherwise required by Law, we will not be liable to you if any such information is unavailable, delayed, or inaccurate. With respect to electronic funds transfer problems, such as unauthorized transfers or the credit union's failure to properly complete authorized transfers, the extent of our liability is described in this Agreement.

New Services

We may, from time to time, introduce new services or enhance the existing services. We will notify you when these new or enhanced Services are available. By using these services when they become available, you agree that they will be governed by these Terms, Conditions, and Disclosures as well as any additional terms, conditions, and disclosures we provide to you.

Signing Up For Home Banking Including Bill Payment Service

To use Home Banking you must have an account with DPS Federal Credit Union that is in good standing. To use the Bill Payment Service you must have an active share draft checking account. You can activate Bill Payment by clicking on the link provided. You will be asked for your "log on" information with DPS Federal Credit Union. To obtain the "log on" information you will need to contact DPS Federal Credit Union to establish this information.

Passwords and Personal Identification Numbers (PINS)

We are committed to the security of our member's accounts and account information. However, you must also take every precaution to ensure the safety, security, and integrity of your accounts and transactions provided on the Service. Your Username, Password, Personal Identification Number (PIN), or Password Clue allows access to your accounts and other services provided herein; providing this information to another person effectively constitutes a grant of authority to access your accounts for all purposes including without limit, under the Electronic Funds Transfer Act and Regulation E; such authorization shall continue until you have notified in writing that such person is not authorized to act with regard to your accounts and the Service.

A Username, Password, PIN, and Password Clue are reasonable and are designed to authenticate your transactions and those transactions, which you authorize others to conduct for you. You agree that you will not disclose, and will prevent the disclosure of your Username, Password, PIN, and Password Clue. If the confidentiality of your Username, Password, PIN, or Password Clue is compromised you shall notify us immediately by calling us at 1-800-917-6672 or 405-212-4567. In the event your Username, Password, PIN, or Password Clue has been compromised you will be required to establish a new code(s). You assume sole responsibility for maintaining your Username, Password, PIN, and Password Clue.

Scope of Services

Home Banking Service

View share and account balances.
View loan and account histories.
View loan summary detail (current through date viewed).
Transfer money within your credit union account.
View paid share draft checks.
View deposits made to your account.
Print copies of paid share draft checks.
Download account history to Quicken or Microsoft Money.
Use the Contact Us e-mail feature at dpsfcu.org to receive and send messages to the credit union.

Bill Payment Service

Use the Add/Edit Merchants feature to create and edit a list of merchants to receive payments.
Use the Pay Bills feature to schedule payments for your bills. You select the payment amount and processing date for each payment. Payments will be deducted from your share draft checking account.
Use the Pending Payments feature to verify that payment information you have entered is correct, make any required corrections, or cancel a payment. Pending Payments cannot be used to correct or cancel a payment that has already been sent. Once a payment has been sent, it will no longer appear on the Pending Payments screen. Payments not on the pending screen cannot be stopped.
Use the Contact Us e-mail feature to receive and send messages.
Use the View Payment History feature to review payments over a specific time period, not to exceed 90 (ninety) days.

All payments will be processed against your share draft checking account.

You authorize us to use Corporate Network E-Com, or its authorized agents to provide the Service to you on our behalf.

Payment of taxes or court directed payments via the Service is prohibited.

Funds will arrive at your targeted Merchant or financial institution as close as reasonably possible to the due date designated by you in your payment instruction (Payment Date). Subject to the Terms, Conditions, and Disclosures set forth in this Agreement, you authorize us, and any third party acting on our behalf, to choose the most effective method to process your payment, including without limitation, electronic, paper or other means. For each properly instructed payment to an eligible Merchant or financial institution you will receive a transaction accepted message.

The Payment Date indicated by you must always be a business day (as previously defined). If it is not, the Payment Date will be deemed to be the first business day following the date indicated.

Unless you receive a completion notice that the transaction was accepted successfully, we will not be liable for any failure to make a payment, including any finance charges or late fees incurred as a result. Your Payment Date should always be on or before the Merchant or financial institution Due Date, not the Late Date or Grace Period. Since the time for us to process your payment varies according to the particular Merchant or financial institution, you must become familiar with the payment processing time for each Merchant or financial institution you desire to pay, allowing the appropriate number of business days between the days you input your payment instruction and the Payment Date. Subject to the limitation discussed below, if you follow the procedures described in the agreement for payments, and you are assessed a penalty or late charge, we will reimburse you for that late charge or penalty up to a maximum of fifty dollars ($50.00). We will not be liable with regard to any Deposit Account or the Service, for instance, if: through no fault of ours, you do not have enough available funds in your Deposit Account to make the payment or transfer or the payment or transfer would exceed permitted overdraft protection you have with us; circumstances beyond our control (such as fire, flood, water damage, power failure, strike, labor dispute, computer breakdown, telephone line disruption, or a natural disaster) prevent or delay the transaction despite reasonable precautions taken by us; your computer, the telephone lines, or the credit union's computer systems were not working properly or were temporarily unavailable, and this problem should have been apparent to you when you attempted the transfer or; the funds in your Deposit Account are subject to legal process, an uncollected funds hold, or are otherwise not available for withdrawal; the information supplied by you or a third party involving the Deposit Account, Payment or Transfer, is incorrect, incomplete, or untimely; we have a reasonable basis for believing that unauthorized use of your Username, Password, or PIN, or account has occurred or may be occurring; the Payee does not process a Payment promptly or correctly, or for any other reason specified in this Agreement.

You agree to allow at least 6 (six) Business Days between the Initiation Day you schedule a Payment to be initiated, if the Payment will be completed by check, and the Payment due date or date you wish the Payee to receive the Payment. You must allow at least 3 (three) Business Days between the Initiation Day you schedule a Payment to be initiated, if the Payment will be completed by electronic transfer, and the Payment due date or date you wish the Payee to receive the Payment.

In the event that you do not comply with the terms and conditions set forth in this Agreement, or in the event that your payment instruction is not made in time for us to process your payment prior to the Due Date required by a particular Merchant or financial institution, you will be liable for all penalties and late fees imposed, and we will not be liable for any such penalties or fees.

Without limiting the foregoing the credit union shall also not be liable for late charges, interest, penalties, or other amounts incurred by any depositor for the depositor's failure to allow sufficient time for processing and delivery of any Payment(s) so long as the credit union has complied with the provisions of this Agreement.

Unless otherwise required by Law, the credit union will not be liable to you under any circumstances for special, indirect, or consequential damages, including, without limitation, lost profits or attorneys' fees, even if we are advised in advance of the possibility of such damages.

We reserve the right to refuse to make any payment, but will notify you of any such refusal within two (2) business days following receipt of your payment instructions.

Account Alerts

The Account Alerts service is a tool for managing accounts. However, Account Alerts should not be relied upon solely for account information. Although DPS Federal Credit Union makes every effort to ensure alerts are delivered as expected, there are conditions that may make the alerts unreliable such as, but not limited to: spam filters, relay detectors, inaccurate or obsolete email addresses, network or system failures, etc. DPS Federal Credit Union recommends that the service be tested prior to regular use to identify any limiting conditions that may be present. DPS Federal Credit Union does not guarantee the delivery of any account alert. If you have any questions regarding this service, please contact a DPS Federal Credit Union Member Service Representative at 1-800-917-6672 or 405-212-4567.

Service Availability

The Service is generally available any time, day or night, seven days a week, by signing on to the Service and entering your Username and Password. You may sign in initially by using your Primary Member Account Number and the last four digits of your Social Security number, but you must select, and thereafter, use, a Username and Password created and known only by you.

The Service may be unavailable from time to time for scheduled maintenance. There may also be unscheduled down time, but we will work to minimize such interruptions in Service.

Electronic Mail

Regular Electronic Mail (E-Mail) communications may not be secure. We, therefore, request that you do not send us or ask for sensitive information via any E-Mail system. If you wish to contact us electronically, please use the Contact Us e-mail feature at dpsfcu.org.

You agree that DPS Federal Credit Union may respond to you by use of the dpsfcu.org with regard to any matter related to the Service, including responding to any claim of unauthorized electronic funds transfer. Any message sent to you by DPS Federal Credit Union shall be considered received on the earlier of the date you open the response or within 3 (three) days of the date sent, regardless of whether you sign on to the Service within that time frame.

Limitation

Under no circumstances will we be liable if we are unable to complete any payments initiated in a timely manner via the Services because of the existence of any one or more of the following:

You have closed the designated Account, or have been removed as a joint owner.
We have identified you as a credit risk and have chosen to initiate your payments by using a paper draft rather than electronic payment remittance.
Due to mismanagement of the Account we have terminated your subscription to the Service.
You have not provided us with the correct information for those Merchants or financial institutions to which you wish to direct payment.

Insufficient Funds and Suspension of Service

In the event we are unable to process a Bill Payment check or electronic payment the transaction will result in a Non-Sufficient Funds. In such event, we will charge all related service fees to you. In the event of repetitive Non-Sufficient Funds, we reserve the right to suspend your subscription to the Service. This suspension may be without prior notice to you. If your subscription is suspended, transactions that were previously initiated may still continue to be processed unless canceled and confirmation of such cancellation is provided. The decision to suspend Service is determined by DPS Federal Credit Union and all inquiries and correspondence relating thereto, including requests for reinstatement, should be directed to DPS Federal Credit Union. If your Service is suspended we will notify you by mail at your listed address.

DPS Federal Credit Union is under no obligation to notify you if it does not complete a transfer because there are insufficient funds in your account to process a transaction. In all cases, you are responsible for either making alternate arrangements for the transfer or for rescheduling the transfer through the Service.

With respect to any negative balance caused by honoring either a paper or electronic payment, you agree to reimburse us within fourteen (14) days after notice is sent to you, for any funds we have already paid to one or more of your designated Merchants or financial institution which we were unable to recover by debit to the Merchant or financial institution.

If you do not pay any amount owed to us when due, you agree to pay interest on the unpaid balance at the rate of 18% per annum (or the maximum rate allowed by applicable law if less). In the event that your claim or debt has to be referred to a third party for collection, you agree, to the extent permitted by law, to pay all costs and fees incurred in collecting the outstanding balances, including reasonable attorney's fees and court costs.

Restrictions and Fees on transfer from Certain Deposit Accounts

Each transfer through the Service from a savings or money market account is counted as one of the limited transactions permitted each statement cycle period i.e. 2 (two) per month for savings and 3 (three) per month for money markets, as described in the "Membership and Account Agreement" and "Rate and Fee Schedule". Transfers are not permitted to or from Share Certificates, IRA Certificates, MasterCard Secured Savings, or IRA Savings.

Disclosure of Account Information

We will disclose information to third parties about your account or the transactions you make: (i) where it is necessary or helpful for completing a transaction; (ii) in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant, (iii) in order to comply with reporting or other legal requirement (including, for example, legal process); (iv) if you give us your permission; and (v) as otherwise permitted by Law.

Your Liability for Unauthorized Transfers

If you believe your Username and Password has been lost or stolen, you should have DPS Federal Credit Union change your Password immediately.

Tell us at once if you believe your statement, account or transaction information, or security information has been lost, stolen or compromised. Telephoning is the best way of keeping your possible losses down.

You could lose all the money in your account, as well as your maximum overdraft line 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 security information without your permission.

If you do not tell us within two business days after you learn of the loss or theft of your security information, and we can prove we could have stopped someone form using your security information without your permission if you had notified us, you could lose as much as five hundred dollars ($500.00).

If your statement shows transfers that you did not make, tell us at once. If we do not receive notification from you within sixty (60) calendar days after the statement date, you may not be entitled to any type of account re-credit for lost funds.

We will tell you the results of our investigation within 10 (ten) 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 (forty-five) calendar days to investigate your complaint or question. If we determine we need this extra time, we will provisionally credit your account with 10 (ten) Business Days for the amount you think is in error. You will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 (ten) Business Days, we may not provisionally credit your account. If we decide that there was no error, we will send you a written explanation within 3 (three) Business Days after we finish our investigation. You may ask for copies of the documents we used in our investigation.

As a member using the Home Banking or Home Banking with Bill Pay Service, you agree that the credit union may respond to you by e-mail from dpsfcu@dpsfcu.org with regard to any claim or error or unauthorized electronic funds transfer or any question related to the Services. You will be deemed to have received any such message within 3 (three) days of the date sent by the credit union, regardless of whether you sign on to the Service within that time frame.

Customer Service Information

Questions regarding home banking or bill payment problems should be directed to a DPS Federal Credit Union Member Service Representative at 1-800-917-6672 or 405-212-4567, during regular business hours of 08:15 AM to 04:00 PM Central Standard Time, Monday through Friday.

Mail may be addressed to:

DPS Federal Credit Union
Attn: Member Services
P. O. Box 11415
Oklahoma City, Oklahoma 73136-0415

Additionally, you may send a message to DPS Federal Credit Union direct from the Contact Us e-mail feature at dpsfcu.org.

Statements

All payments and transactions made via the Services will be listed on your monthly account statement that you receive from DPS Federal Credit Union.

Fees and Charges

As outlined in DPS Federal Credit Union "Rate and Fee Schedule" the following fees are applicable to the Bill Payment Service:


Bill Payment Fee	Free to members with a share draft Checking account
Non-Sufficient Fee	$25.00 per returned item
Stop Payment Fee	$25.00 per item
Negative Balance Fee	$25.00 per incident

PRIVACY NOTICE:

DPS Federal Credit Union collects nonpublic personal information about you from the following sources:

Information we receive from you on applications or other forms;
Information about your transactions with us, our affiliates, or others; and
Information we receive from a consumer-reporting agency.

We may disclose all of the information we collect, as described above to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.

We do not disclose any nonpublic personal information about our members and former members to anyone, except as permitted by law.

We restrict access to your personal and account information to those employees 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.

General Disclaimer

DPS Federal Credit Union takes reasonable measures to ensure the quality of the data and other information produced by DPS Federal Credit Union that are available on this web site. However, DPS Federal Credit Union makes no warranty, express or implied, nor assumes any legal liability or responsibility for the accuracy, correctness, or completeness of any information available through this web site nor represents that its use would not infringe on privately owned rights. Reference to any specific commercial product, process, or service by trade name, trademark, manufacture, or otherwise does not constitute an endorsement, recommendation, or favoring by DPS Federal Credit Union.

Disclaimer regarding Non- DPS Federal Credit Union Information

For convenience and informational purposes only, DPS Federal Credit Union's Web Host may provide links to other web sites. These sites may contain information that is copyrighted with restrictions on reuse. Permission to use copyrighted materials must be obtained from the original source and cannot be obtained from DPS Federal Credit Union. DPS Federal Credit Union is not responsible for the content of external web sites linked to or referenced from DPS Federal Credit Union's web host. DPS Federal Credit Union neither endorses the information, content, presentation, or accuracy nor makes any warranty, express or implied, regarding these external web sites. Users should be aware that when they select a link on DPS Federal Credit Union's web site to an external web site, they are leaving DPS Federal Credit Union's site.