Electronic Funds Transfers Your Rights and Responsibilities
The following information details your rights and responsibilities under law governing Electronic Fund Transfers (EFT) as they apply to your accounts at the credit union that are established primarily for personal, family or household purposes. Please read this disclosure carefully to be familiar with your rights and responsibilities for EFT transactions. It is important to retain this notice for future reference.

Types of Electronic Fund Transfers
Electronic Check Conversion/Electronic Returned Check Fees – If you pay for something with a check you may be authorizing your check to be converted to an electronic fund transfer. You will also be authorizing merchants to electronically debit your account for returned check fees. You are considered to have authorized these electronic funds transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization.
Preauthorized Withdrawals – You make arrangements for certain direct deposits to be accepted into your checking or savings account(s). Often direct deposits are processed through an Automated Clearing House network (ACH) which was preauthorized by you. Examples of direct deposits include pay
checks, Social Security and other government benefits, allotments, retirement benefits and dividends.
Telephone Transfers (QuickLink) – You may access your account by telephone 24 hours a day, seven days a week, by calling (303) 978-2600 or out of
state toll free 1-800-368-6890 by using your personal Identification number (PIN), a Touch Tone phone, and your account numbers to:

• Transfer funds from savings to checking accounts(limit 6 per month)
• Transfer funds to make loan payments, or
• Obtain account information