Disclosures

Products & Services Agreements

Here's where to find information about accounts, cards, and account management services.

• Silver Share Certificate Accounts and IRA Silver Share Certificate Accounts
• ATM Card Agreement
• VISA Check Card/Point of Sale
• Phone Banking and Online Banking Agreement
• Website Cookie Disclosure
• Democracy FCU Prepaid Disclosure
• Kasasa Truth in Savings Disclosure

Related Services & Special Situations

Refer to these disclosures for information about accounts, transactions, and unauthorized account activity.

• Direct Deposit
• Automatic Transfer Service
• Canceled Checks
• Account Closing
• Dormant Accounts
• Abandoned Property
• Liability Disclosure

Federal Regulation Z

Learn more about how loan and lending regulations affect borrowing from Democracy FCU.

• Questions About Your Statement
• Billing Questions
• Your Rights and Our Responsibilities
• Credit Card Purchases
• Funds Availability
• Special Deposits
• Longer Delays May Apply

Federal Regulation CC 13

Check this information for details about when deposited funds become available to you.

• Deposit Availability Notifications
• Next Day Availability
• Other Check Deposits

Billing Rights Disclosure

Here's where to find important information about your rights and our responsibilities under the Fair Credit Billing Act.

• Billing Rights Disclosure (pdf)

Social Media Policy

Learn more about how Democracy FCU uses social media.

• Social Media Policy

US Patriot Act Disclosure

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 identifies each person who opens an account.

What this means to you

When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. In order to accommodate this, we will require your driver's license or non-driver's identification and an acceptable second form of identification.