Disclosures

Americans with Disabilities Act (ADA) Disclosure

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Privacy Policy

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Agreements and Disclosures: Consumer Accounts

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• Account Agreement: Pages 1-3
• Account Disclosures: Pages 3-5
• Electronic Services Agreement and Disclosure: Pages 5-7
• Funds Availability Policy Disclosure: Pages 7-8
• Wire Transfer Agreement: Pages 8-9
• Privacy Policy Disclosure: Pages 10-11

Agreements and Disclosures: Business Accounts

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• Account Agreement: Pages 1-3
• Account Disclosures: Pages 3-4
• Electronic Services Agreement and Disclosure: Pages 5-6
• Funds Availability Policy Disclosure: 6-7
• Wire Transfer Agreement: Pages 7-8
• Consent to Receive Electronic Documentation: Page 8
• Privacy Policy Disclosure: Pages 9-10

Digital Banking Agreement

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Credit Cards

Agreement

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Disclosure

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Debit Card Disclosure

Your Visa debit card allows you to conduct transactions on the CO‐OP, PULSE, STAR and PLUS networks. Some merchants are authorized to accept non‐Visa debit transactions without requiring you to enter your PIN. If you choose to sign to authorize a debit transaction, the transaction will be routed as a Visa transaction. Provisions of your cardholder agreement that specifically relate to Visa transactions are inapplicable to non‐Visa transactions. For instance, a non‐Visa debit transaction will not provide Visa’s Zero Liability Protection benefit.

Home Equity Line of Credit Disclosure

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Overdraft Disclosure

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Binding Arbitration Agreement and Class Action Waiver

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