Educate yourself about your accounts Understanding your accounts and how they work is important. We don't expect you to memorize everything about policy and procedure for each account type you have which is why we have provided easy access to disclosures that you can print out for your records or save to your computer for future reference. We will update them as needed so you can be sure to get the most up to date disclosures here. CHARM Booklet - ARM EFT | ACH Disclosure Electronic Statement Disclosure Agreement (e-Sign) Funds Availability Policy Sample New Member Packet Share Account Disclosure Share Certificate Disclosure Share Certificate Disclosure - EZ Save Share Certificate Disclosure - Payroll Share Certificate Disclosure - Scholarship Signature FCU Privacy Policy Online Branch Disclosure Understanding your Escrow Analysis Statement Visa® Debit Card Agreement Visa® Credit Card Agreement Visa® Credit Card Disclosure Visa® Classic and Gold Benefits Disclosure Visa® Platinum Benefits Disclosure Visa® Signature Benefits Disclosure Visa® Signature Business Benefits Disclosure New Membership Account Disclosure