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Important Account Information for Our Members
Terms and Conditions
Please read, then print a copy of these disclosure pages for your records. Your signature and initial deposit of $25.00 will be required to finalize your application. If you choose to submit your application on-line, it will still be necessary for you to provide a copy of this application containing your signature and your initial deposit. You will receive account disclosures in the mail following your request to complete the account-opening process. Please contact a Frontier Member Service Representative if you have any questions by calling: 913.651.6575, 800.633.4559, or email Frontier CCU. You are required to click through to the membership application using the link at the bottom of this page.
Electronic Funds Transfers
Your Rights and Responsibilities
The Electronic Fund Transfers we are capable of handling are indicated below, some of which may not apply to your account. Please read this disclosure carefully because it tells you your rights and obligations for these transactions. You should keep this notice for future reference.
Direct Deposits. You may make arrangements for certain direct deposits to be accepted into your Checking or Share (Savings) Account(s).
Preauthorized Withdrawals. You may make arrangements to repay certain recurring bills from your Checking or Share (Savings) Accounts(s).
ATM Transfers -- PLUS/VISA, CIRRUS/MASTERCARD, CASH STATION, and AFFN NETWORKS --TYPES OF TRANSFERS, DOLLAR LIMITATIONS, AND CHARGES. You may access your account(s) by ATM using your ATM card and personal identification number to:
- Get cash withdrawals from checking account(s) with an ATM card
- You may withdraw no more than $400.00 per day
- There is a charge of $1.00 per transaction at ATMs we do not own or operate
- Get cash withdrawals from share (savings) account(s) with an ATM card
- You may withdraw no more than $400.00 per day
- There is a charge of $1.00 per transaction at ATMs we do not own or operate
- Transfer funds from share (savings) to checking account(s) with an ATM card
- There is a charge of $1.00 per transaction at ATMs we do not own or operate
- Transfer funds from checking account(s) to share (savings) with an ATM card
- There is a charge of $1.00 per transaction at ATMs we do not own or operate
- Get information about the account balance of your checking account(s)
- With an ATM card
- There is a charge of $1.00 per inquiry at ATMs we do not own or operate
- Get information about the account balance of your share savings account(s)
- With an ATM card
- There is a charge of $1.00 per inquiry at ATMs we do not own or operate
Some of these services may not be available at all terminals.
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Charges for Electronic Funds Transfers. We do not charge for direct deposits to any type of account. We do not charge for preauthorized withdrawals from any type of account. Except as indicated elsewhere, we do not charge for electronic funds transfers.
Right to Documentation. Terminal transfers. You can get a receipt at the time you make any transfer to or from your account using one of our automated teller machines.
Direct Deposits. If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, you can call us at 913-651-6575 to find out whether or not the deposit has been made. If the only possible transfers to or from your account are direct deposits, you will get a quarterly statement from us.
Periodic Statements. You will get a monthly account statement from us for your Checking accounts. You will get a monthly statement from us for your Share (Savings) Accounts, if there are transfers in a particular month. In any case, you will get a statement at least quarterly.
Stop Payment Procedures and Notice of Varying Amounts. Right to Stop Payment and Procedure for Doing So. If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here is how:
Call or write us at: 301 Kansas Avenue, Fort Leavenworth, KS 66027, 913-651-6575, in time for us to receive your request three business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it us us within 14 days after you call. We will charge you $5.00 for every stop payment order you give.
Notice of Varying Amounts. If these regular payments may vary in amount, the person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be. (You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.)
Liability for Failure to Stop Payment or Preauthorized Transfer. If you order us to stop one of these payments three business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.
Our Liability. Liability for failure to make transfers. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will NOT be liable for instance:
- If, through no fault of ours, you do not have enough money in your account to make the transfer.
- If the automated teller machine where you are making the transfer does not have enough cash.
- If the terminal or system was not working properly and you knew about the breakdown when you started the transfer.
- If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions we have taken.
There may be other exceptions stated in our agreement with you.
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Disclosure of Account Information to Third Parties. We will disclose information to third parties about your account or the transfers you make:
- Where it is necessary for completing transfers.
- In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant.
- In order to comply with government agency or court orders; or
- If you give us written permission.
Unauthorized Transfers. Tell us AT ONCE if you believe your card and/or code has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all of the money in your account. If you tell us within two business days, you can lose no more than $50.00 if someone uses your card without your permission.
If you do not tell us within two business days after you learn of the loss or theft of your card and/or code, and we can prove we could have stopped someone from using your card and/or code without your permission if you had told us, you can lose as much as $500.00.
Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.
If a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the time period.
If you believe your card and/or code has been lost or stolen or that someone has transferred money from your account without your permission, call or write us at 301 Kansas Avenue, Ft. Leavenworth, KS 66027, 913-651-6575.
Error Resolution. In case of errors or questions about your electronic transfers, call or write us at the telephone number or address listed above, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.
- Tell us your name and account number (if any).
- Describe the error or transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
- Tell us the dollar amount of the suspected error.
If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.
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We will tell you the results of our investigation within 10 business days (20 days if the transfer involved a point-of-sale transaction or a foreign initialed transfer) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a point-of-sale transaction or a foreign initialed transfer) to investigate your complaint or question. If we decide to do this we will recredit your account within 10 business days (20 days if the transfer involved a point-of-sale transaction or a foreign initialed transfer) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or questions in writing, and we do not receive it within 10 business days, we may not recredit your account.
If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.
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BACK TO MEMBERSHIP APPLICATION
Funds Availability Policy
Effective February 27, 2010, the Frontier Community Credit Union Funds Availability Policy Disclosure is amended as follows:
Our general policy is to allow you to withdraw funds deposited in your account on the first business day after receipt of the deposit. Funds from electronic direct deposits will be available on the day we receive the deposit.
In some cases, the credit union will not make all of the funds that members deposit by check available on the same business day. Funds may not be available until the second business day. The first $100.00 of all deposits must be made available on the first business day after the day of deposit. If the credit union is not going to make all of the funds available on the same business day, members will be notified at the time of deposit. Members will be notified when the funds will be available. If deposits are not made directly to one of our employees or if the credit union decides to take this action after a member has left the premises, a notice will be mailed by the next business day after we receive the deposit. If you will need the funds from the deposit right away, you should ask us when the funds will be available.
LONGER DELAYS MAY APPLY -- We may delay your ability to withdraw funds deposited by check into your account an additional number of days for these reasons:
- We believe a check you deposit will not be paid.
- You deposit checks totaling more than $5,000.00 on any one (1) day
- You deposit a check that has been returned unpaid.
- You have overdrawn your account repeatedly in the last six (6) months.
- There is an emergency, such as failure of communications or computer equipment.
We will notify you if we delay your ability to withdraw funds for any of these reasons and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of deposit.
Next-Day Availability. In all cases, the following types of deposits to transaction accounts will receive next-day availability:
- Cash
- Electronic payments (wire transfers, automated clearinghouse credits, etc.)
- U.S. Treasury checks
- U.S. Postal Service money orders
- Federal Reserve and Federal Home Loan Bank checks
- Checks drawn by a state or unit of local government
- Cashier’s, certified, and teller’s checks
- On-us checks
New Accounts. For the purposes of this policy and as defined by Regulation CC, a new account is a member’s transaction account that has been in existence with this credit union for less than 30 days. The following conditions apply during the first 30 days to transaction accounts that meet this definition:
- Funds from electronic direct deposits will be available on the day we receive the deposit.
- Funds from deposits of cash, wire transfers, and the first $5,000.00 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state, and local government checks will be available on the next business day. The excess over $5,000.00 will be available on the ninth business day. If a check deposit (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,000.00 will not be available until the second business day after the day of deposit.
- Funds from all other check deposits will be available on the tenth business day after the day of your deposit.
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Truth in Savings Disclosure
Share (Savings) Account
Rate Information. The dividend rate and annual percentage yield may change every dividend period. We may change the dividend rate for your account as determined by the credit union board of directors.
Compounding and Crediting. Dividends will be compounded every quarter. Dividends will be credited to your account every quarter.
Dividend Period. For this account type, the dividend period is quarterly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is March 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period, and for the example above is March 31. If you close your account before dividends are paid, you will not receive the accrued dividends.
Minimum Balance Requirements. The minimum required to open this account is the purchase of a share in the credit union. Please see the bylaw requirements in the Common Features section for additional information. You must maintain a minimum daily balance of $50.00 in your account each day to obtain the disclosed annual percentage yield.
Daily Balance Computation Method. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
Accrual of Dividends on Non-Cash Deposits. Dividends will begin to accrue on the business day you place non-cash items (for example, checks) to your account.
Transaction Limitations. During any month, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a pre-authorized or automatic transfer, telephonic order or instruction, or similar order to a third party. If you exceed the transfer limitations set forth above, your account will be subject to closure by the credit union.
Par Value of a Share. The par value of a share in this account is $25.00.
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Share Savings Account -- With Life Savings Insurance
Rate Information. The dividend rate and annual percentage yield may change every dividend period. We may change the dividend rate for your account as determined by the credit union board of directors
Compounding and Crediting. Dividends will be compounded every quarter. Dividends will be credited to your account every quarter.
Dividend Period. For this account type, the dividend period is quarterly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is March 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period, and for the example above is March 31. If you close your account before dividends are paid, you will not receive the accrued dividends.
Minimum Balance Requirements. The minimum required to open this account is the purchase of a share in the credit union. Please see the bylaw requirements in the Common Features section for additional information. You must maintain a minimum daily balance of $50.00 in your account each day to obtain the disclosed annual percentage yield.
Daily Balance Computation Method. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
Accrual of Dividends on Non-Cash Deposits. Dividends will begin to accrue on the business day you place non-cash items (for example, checks) to your account.
Transaction Limitations. During any month, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a pre-authorized or automatic transfer, telephonic order or instruction, or similar order to a third party. If you exceed the transfer limitations set forth above, your account will be subject to closure by the credit union.
Par Value of a Share. The par value of a share in this account is $25.00.
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Share Draft (Checking) Account
Rate Information. The dividend rate and annual percentage yield may change every dividend period. We may change the dividend rate for your account as determined by the credit union board of directors
Compounding and Crediting. Dividends will be compounded every month. Dividends will be credited to your account every month.
Dividend Period. For this account type, the dividend period is monthly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period, and for the example above is January 31. If you close your checking account before dividends are paid, you will not receive the accrued dividends.
Minimum Balance Requirements. The minimum required to open this account is $100.00. You must maintain a minimum daily balance of $300.00 in your account to avoid a service charge fee. If, during any monthly statement cycle, your account balance falls below the required minimum daily balance, your account will be subject to a service charge fee of $5.00 once during the statement cycle. This fee does not apply to members age 62 or over. This fee does not apply to members who have a Share Certificate under the same member account number. You must maintain a minimum daily balance of $300.00 in your account to obtain the disclosed annual percentage yield.
Average Daily Balance Computation Method. Dividends are calculated by the average daily balance method which applies a daily periodic rate to the balance in the account for a period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle.
Accrual of Dividends on Non-Cash Deposits. Dividends will begin to accrue on the business day you place non-cash items (for example, checks) to your account.
Transaction Limitations. No transaction limitations apply to this account unless otherwise stated in the Common Features section.
Ready to reorder checks? Simply click on this link -- http://www.libertysite.com/members/default.asp --to go directly to the Liberty Check site for your fastest reorder service. Just another convenience... from Frontier Community Credit Union, Your Community Credit Union.
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Christmas Club Account
Rate Information. The dividend rate and annual percentage yield may change every dividend period. We may change the dividend rate for your account as determined by the credit union board of directors
Compounding and Crediting. Dividends will be compounded every month. Dividends will be credited to your account every month.
Dividend Period. For this account type, the dividend period is monthly, for example, the beginning date of the first dividend period of the calendar year is November 1, and the ending date of such dividend period is November 30. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period, and for the example above is November 30. If you close your account before dividends are paid, you will not receive the accrued dividends.
Minimum Balance Requirements. The minimum required to open this account is $10.00.
Daily Balance Computation Methods. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
Accrual of Dividends on Non-Cash Deposits. Dividends will begin to accrue on the business day you place non-cash items (for example, checks) to your account.
Transaction Limitations. You will be sent a check for the balance in your account at the end of the club year. You may not make any withdrawals or transfers to another credit union account of yours or to a third party by means of a pre-authorized or automatic transfer, telephonic order or instruction, or similar order to a third party.
Fees and Charges. A withdrawal fee of $5.00 will be charged for any withdrawals made after November 7.
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IRA Passbook Account and Organizational Account
Rate Information. The dividend rate and annual percentage yield may change every dividend period. We may change the dividend rate for your account as determined by the credit union board of directors
Compounding and Crediting. Dividends will be compounded every quarter. Dividends will be credited to your account every quarter.
Dividend Period. For this account type, the dividend period is quarterly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is March 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period, and for the example above is March 31. If you close your account before dividends are paid, you will not receive the accrued dividends.
Minimum Balance Requirements. The minimum required to open this account is $25.00.
Daily Balance Computation Method. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
Accrual of Dividends on Non-Cash Deposits. Dividends will begin to accrue on the business day you place non-cash items (for example, checks) to your account.
Transaction Limitations. You may not make any withdrawals or transfers to another credit union account of yours or to a third party by means of a pre-authorized or automatic transfer, telephonic order or instruction, or similar order to a third party.
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Organizational Account
Minimum Balance Requirements, The minimum required to open this account is $25.00.
Transaction Limitations. No transaction limitation apply to this account unless otherwise stated in the Common Features section.
Par Value of a Share. The par value of a share in this account is $25.00.
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Special Account
Rate Information. The dividend rate and annual percentage yield may change every dividend period. We may change the dividend rate for your account as determined by the credit union board of directors
Compounding and Crediting. Dividends will be compounded every quarter. Dividends will be credited to your account every quarter.
Dividend Period. For this account type, the dividend period is quarterly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is March 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period, and for the example above is March 31. If you close your account before dividends are paid, you will not receive the accrued dividends.
Minimum Balance Requirements
The minimum required to open this account is $25.00. You must maintain a minimum daily balance of $50.00 in your account each day to obtain the disclosed annual percentage yield.
Daily Balance Computation Methods. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
Accrual of Dividends on Non-Cash Deposits. Dividends will begin to accrue on the business day you place non-cash items (for example, checks) to your account.
Transaction Limitations. During any month, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a pre-authorized or automatic transfer, telephonic order or instruction, or similar order to a third party. If you exceed the transfer limitations set forth above, your account will be subject to closure by the credit union.
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Common Account Features
By Law requirements. You must complete payment of one share in your Share Savings accounts as a condition of admission to membership.
Transaction Limitation. We reserve the right to at any time require not less than seven days notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D.
Nature of Dividends. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.
National Credit Union Share Insurance Fund. Member accounts in this Credit Union are federally insured by the National Credit Union Share Insurance Fund.
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Fees
The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account.
- Check printing (fee depends on style of check ordered)
- Temporary checks (10)
- Check withdrawals (payable to third parties)
- Money order (for members age 62 or older, the fee is our cost)
- Deposited checks, unpaid
- Two-party checks, unpaid
- Overdrafts
- Overdraft protection
- History printout
- Account research (per hour)
- Copy of statement
- VISA Travel Money
- VISA Gift Card
- Recurring debit transaction
- Check look-up
- Stop payments
- Stop payments, ACH
- Wire
- International wire
- Wire notification / research
- Western Union
- Account closed (90 days)
- Account reopen after two closings
- Photocopy
- Fax
- Copy of checks
- Collection item
- Automatic payment sent to another financial institution
- Legal prcess (garnishment / levies)
- ATM / Check Card replacement
- Overnight delivery
- Overnight delivery (Saturday)
- Check cashing
- Christmas Club early withdrawal
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Please read, then print a copy of these disclosure pages for your records. Your signature and initial deposit of $25.00 will be required to finalize your application. If you choose to submit your application on-line, it will still be necessary for you to provide a copy of this application containing your signature and your initial deposit. You will receive account disclosures in the mail following your request to complete the account-opening process.
Please contact a Frontier Member Service Representative if you have any questions by calling: 913.651.6575, 800.633.4559, or email Frontier CCU.
I affirm that I have read and received a copy of these account disclosures and wish to continue to the membership application.
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