Disclosures *

MEMBERSHIP
Membership in the Credit Union is limited to active and retired employees of the Procter & Gamble Manufacturing Company in Kansas City, Kansas, employees of this Credit Union and their immediate family. Immediate family shall include parents, brother, sister, brother in law, sister in law, lineal grandparent, spouse, children, step children, grandchild, son in law, daughter in law, and parent in law. Membership, once established, may continue even though the Credit Union member would not be eligible for new membership.
A minimum balance of $25.00 is required in the primary Savings account for membership.

SHARE CHECKING POLICY
A member opening a share checking account must be the primary owner of the checking account, with printing checks listing the primary owners name first. All names appearing on either the savings or checking account will have access to the account. If the share account co-owners are different than those on the share account a new signature card must be completed. The Credit Union retains the right to obtain a report from Chexsystems before opening the account. The account will be automatically debited for check printing charges at prevailing rates of the printer. Abuse of the account constitutes grounds for cancellation of the account.
A minimum of $25.00 is required to open a Share Checking Account

Service Charges:	$0.00
Return items/or overdraft:	$35.00
Stop Payments:	$20.00
Share checking copy:	$3.00
Check printing fees:	Prices Vary

FUNDS AVAILABILITY POLICY
Our general policy is to allow members to withdrawal funds deposited in you account on the first business day after the day we receive your deposit. Funds from electronic Direct Deposits will be available on the day we received the deposit. In some cases, we may delay you ability to withdrawal funds beyond the first business day. Then, the funds will generally be available by the fifth business day after the day of deposit.

DIVIDENDS
Dividends are calculated on the average daily balance and are paid and compounded at the end of each quarter. Dividends are available to the owner of the account any time after they are paid. Dividends are paid from available earnings. The rate and method we use to calculate dividends may change.

PRIVACY DISCLOSURE
Click Here to see our Privacy Disclosure.

* Information contained within is not all inclusive. Please contact the Credit Union for current membership requirements and revised policy.