Disclosures

Products & Services Agreements

Here's where to find information about accounts, cards, and account management services.

Related Services & Special Situations

Refer to these disclosures for information about accounts, transactions, and unauthorized account activity.

Federal Regulation Z

Learn more about how loan and lending regulations affect borrowing from Democracy FCU.

Federal Regulation CC 13

Check this information for details about when deposited funds become available to you.

Electronic Funds Transfer Disclosure

Refer to this for information about ATMs, VISA Check Cards, Audio Response, and Online Banking.

Billing Rights Disclosure

Here's where to find important information about your rights and our responsibilities under the Fair Credit Billing Act.

US Patriot Act Disclosure

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 to 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. In order to accommodate this, we will require your driver's license or non-driver's identification and an acceptable second form of identification.