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Agreements & Disclosures

Important Information

The following documents contain important information about personal accounts at BTCU. Please review them before applying for an account and make sure to keep a copy for your records. Download the latest version of Adobe Reader to view these disclosures.

For members with BTCU Debit Card.

Review this disclosure for information about our credit card.

The Electronic Fund Transfer Act of 1978 is intended to protect individual consumers engaging in electronic funds transfers (EFTs). EFT services include transfers through ATMs, POS terminals, ACH, remote banking programs and remittance transfers.

This disclosure relates to your enrollment in eStatements/eNotices. It also includes a sample statement.

This policy helps you determine when money your deposit into your BTCU account will be available to you.

BTCU provides security on your deposit beyond $250,000. With ESI’s $250,000 of additional deposit coverage, members can get up to $500,000 of total savings coverage.

BTCU offers a sale place for you save your money, with deposits insured up to at least $250,000 per member. Review this document to understand more.

The purpose of this disclosure is to provide you with the information required by law and explain the terms and conditions of your personal accounts at BTCU.

At BTCU we understand that your trust in us is our most important asset. In order to preserve that trust, we want you to clearly understand what information we collect and how we use it.

To make check processing faster, federal law permits credit unions to replace original checks with “substitute checks.” This disclosure will explain what “substitute checks” are and your rights regarding these checks.

This booklet was updated by the Consumer Financial Protection Bureau (CFPB) to reflect new mortgage rules under Title XIV of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act.) If you are in the market for a Home Equity Line of Credit (HELOC) please review this information.

When you want to add a checking, secondary savings or a share certificate, complete and return this form to us. Or, you can open your accounts online immediately when you login to online banking from your desktop computer and click on “New Accounts.”