disclosureestatement


Home Page E-Statements Log On to First Choice America Online Credit Union News Membership Info Deposit Info Lending Info All Products Offices Fees	E-Statement Disclosure eStatement(s) Election – You may elect to receive your First Choice America Community Federal Credit Union account statement(s) online, via First Choice America Online. This includes both your regular account statement and, if applicable, your VISA Credit Card statement. In order to receive the current month’s statement(s) electronically, you must make your election by 7:00 pm EST on the last business day of the month. Saturdays, Sundays, and federal holidays are not business days. Elections made after 7:00 pm EST on the last business day of the month will be effective the following month. Revocation of eStatement(s) Election – You may at any time withdraw your consent and revoke your agreement to receive electronic statements and disclosures by changing the Preferences on your online account to U.S. Mail. To be effective for the current month, changes must be made by 7:00 pm EST on the last business day of the month. Saturdays, Sundays, and federal holidays are not business days. Changes made after 7:00 pm EST on the last business day of the month will be effective the following month. Paper Statements – The Credit Union will discontinue mailing your statement(s) in paper form the month you elect to receive electronic statements. After the paper statements are discontinued, the Credit Union will mail you a paper statemen, at any time upon request, subject to the Statement Photocopy Fee stated in the Credit Union’s Fee Schedule. eStatement(s) – eStatements will generally be available for viewing on the first business day of the month or quarter. Saturdays, Sundays, and legal holidays are not business days. The eStatements system will maintain copies of your past statements for up to eighteen (18) months. Initially you will be able to view your past statement(s) from March 31, 2003 and forward. If your account was opened prior to March 31, 2003, you will be able to view your past statement(s) for an eighteen (18) month period beginning with the September 30, 2004 statement. VISA Credit Card Payment Form – You understand that by electing to receive your VISA account statement electronically, you will not receive a VISA Credit Card Payment form. You may transfer your monthly VISA Credit Card payment electronically via First Choice America Online, or you may remit your payment by check to First Choice America Community Federal Credit Union at P. O. Box 762, Weirton, WV 26062, or you may make your payment in person at any of the Credit Union’s offices. Payments received more than 15 days after the stated payment due date will be subject to a late charge The Briefer – You understand that by electing to receive your account statement(s) electronically, you will no longer receive a paper copy of the quarterly newsletter. You may view and/or print a copy of the Briefer on the Credit Union’s web site at www.firstchoiceamericacu.org or you may obtain a paper copy at any First Choice America Community Federal Credit Union office. Please review the Briefer for the latest information about the events and happenings at your Credit Union, as well as up-to-date information about the Credit Union’s new products and services and any product or service changes or regulatory changes. Checking Account Reconciliation Form/Statement Disclosure – A Checking Account Reconciliation Form/Statement Disclosure is available on the Credit Union’s website at www.firstchoiceamericacu.org Please use this form to reconcile your checking account. You should report any errors or irregularities to the Credit Union immediately.

E-Statement Disclosure

eStatement(s) Election – You may elect to receive your First Choice America Community Federal Credit Union account statement(s) online, via First Choice America Online. This includes both your regular account statement and, if applicable, your VISA Credit Card statement. In order to receive the current month’s statement(s) electronically, you must make your election by 7:00 pm EST on the last business day of the month. Saturdays, Sundays, and federal holidays are not business days. Elections made after 7:00 pm EST on the last business day of the month will be effective the following month.

Revocation of eStatement(s) Election – You may at any time withdraw your consent and revoke your agreement to receive electronic statements and disclosures by changing the Preferences on your online account to U.S. Mail. To be effective for the current month, changes must be made by 7:00 pm EST on the last business day of the month. Saturdays, Sundays, and federal holidays are not business days. Changes made after 7:00 pm EST on the last business day of the month will be effective the following month.

Paper Statements – The Credit Union will discontinue mailing your statement(s) in paper form the month you elect to receive electronic statements. After the paper statements are discontinued, the Credit Union will mail you a paper statemen, at any time upon request, subject to the Statement Photocopy Fee stated in the Credit Union’s Fee Schedule.

eStatement(s) – eStatements will generally be available for viewing on the first business day of the month or quarter. Saturdays, Sundays, and legal holidays are not business days. The eStatements system will maintain copies of your past statements for up to eighteen (18) months. Initially you will be able to view your past statement(s) from March 31, 2003 and forward. If your account was opened prior to March 31, 2003, you will be able to view your past statement(s) for an eighteen (18) month period beginning with the September 30, 2004 statement.

VISA Credit Card Payment Form – You understand that by electing to receive your VISA account statement electronically, you will not receive a VISA Credit Card Payment form. You may transfer your monthly VISA Credit Card payment electronically via First Choice America Online, or you may remit your payment by check to First Choice America Community Federal Credit Union at P. O. Box 762, Weirton, WV 26062, or you may make your payment in person at any of the Credit Union’s offices. Payments received more than 15 days after the stated payment due date will be subject to a late charge

The Briefer – You understand that by electing to receive your account statement(s) electronically, you will no longer receive a paper copy of the quarterly newsletter. You may view and/or print a copy of the Briefer on the Credit Union’s web site at www.firstchoiceamericacu.org or you may obtain a paper copy at any First Choice America Community Federal Credit Union office. Please review the Briefer for the latest information about the events and happenings at your Credit Union, as well as up-to-date information about the Credit Union’s new products and services and any product or service changes or regulatory changes.

Checking Account Reconciliation Form/Statement Disclosure – A Checking Account Reconciliation Form/Statement Disclosure is available on the Credit Union’s website at www.firstchoiceamericacu.org Please use this form to reconcile your checking account. You should report any errors or irregularities to the Credit Union immediately.