Disclosures & Fees

• Membership and Account Agreement (PDF)
• Funds Availability Policy Disclosure (PDF)
• Agreement for Arbitration and Waiver of Class Action (PDF)
• Electronic Fund Transfers Agreement and Disclosure (PDF)
• Overdrafts, Overdraft Fees, and Courtesy Pay/Courtesy Pay Plus (PDF)
• Schedule of Fees & Charges (PDF)
• Sunward Online Banking Agreement and Disclosure (PDF)
• Credit Card Application and Solicitation Disclosure (PDF)
• Credit Card Agreement and Disclosure (PDF)
• Zelle® Terms and Conditions (PDF)

Business Disclosures & Fees

• Business Membership and Account Agreement (PDF)
• Business Services Schedule of Fees & Charges (PDF)
• Business Agreement for Arbitration and Waiver of Class Action (PDF)
• Business Online Banking Agreement and Disclosure (PDF)
• Business Credit Card Disclosure (PDF)
• Business Visa Benefits & Disclosures (PDF)
• Business Mastercard® Guide to Benefits

Important Information About Procedures for Opening a New Account
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 for 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. We may also ask to see your driver's license or other identifying documents.