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NOTIFICATION THAT NEGATIVE INFORMATION WILL BE OR HAS BEEN SENT TO CREDIT BUREAUS:

Any Financial Institution that submits negative information to National Credit Reporting Agencies must give consumers a one-time written notice that they have done so or will do so.

JFCU will report negative information regarding your account to National Credit Reporting Agencies if such negative information becomes relevant to your account(s).

 ATM/DEBIT CARD DECLINE OPTIONS FOR PURCHASES:

Effective August 15, 2010, debit card purchases and ATM withdrawals will be denied if sufficient funds are not available in your Primary and/or Overdraft Account (ie. Savings, Checking, etc.). In order to alleviate any of these items being returned for Non-Sufficient Funds (NSF) please contact a member services representative to OPT-IN to our Member Privilege Program. If you do not OPT-IN to our Member Privilege Program or we do not receive a response from you beginning 08/15/10 we will not authorize your everyday debit card purchases or ATM drafts from your checking account. Please contact a member service representative on or after August 15, 2010, for more information regarding our Member Privilege Program.

NCUA INSURED ACCOUNTS:

YOUR SAVINGS FEDERALLY INSURED TO $250,000 AND BACKED BY THE FULL FAITH AND CREDIT OF THE UNITED STATES GOVERNMENT.

NCUA

NATIONAL CREDIT UNION ADMINISTRATION, A U.S. GOVERNMENT AGENCY

Contact your credit union for additional information or contact NCUA’s Consumer Assistance Center between 8 am and 6 pm (EDT) at 1-800-755-1030, press 1 for share insurance questions.

You may also use the following link to access the NCUA Electronic Tool Kit which contains a variety of useful information on share insurance coverage:

http://www.ncua.gov/ShareInsurance/Index.htm

USA PATRIOT ACT:

In accordance with the USA Patriot Act, we are required to obtain the following information when opening a new account by mail or INTERNET

  • Notarized copy of your driver’s license or other valid government identification
  • Notarized copy of a billing statement, such as a cable, telephone, or utility bill.