Information about Your Membership
Membership & Account Agreement (Part A & B)
The Membership & Account Agreement represents the contract for your account; it addresses the rights and responsibilities of HAPO as a financial institution and of you as our member. This agreement has been divided into two parts:
- Part A describes the various types of account ownership and classification
- Part B describes other important account information such as deposit requirements, account access, transaction limitations, etc.
Electronic Funds Transfers
The Electronic Funds Transfer disclosure outlines your rights and responsibilities, as well as the Credit Union's, concerning electronic funds transfer (EFT) services such as ATM/debit card transactions, preauthorized EFTs, electronic check conversions, audio response and internet teller, online bill payer, and the web payment center.
Funds Availability Policy
The Funds Availability Policy disclosure discusses your ability to withdraw deposits from your checking account and the Credit Union's rights to delay funds of certain deposits.
Overdraft Protection Disclosure
The Overdraft Protection Disclosure describes the Credit Union's overdraft protection options (Transfer Protection and Privilege Pay), as well as limitations and eligibility requirements for each.