This disclosure supplements your Membership Disclosure Statement and other applicable disclosures.
Please keep these documents together for your records.

TERMS AND CONDITIONS

The following terms and conditions governing your share draft (checking) account constitute a mutually protective service agreement between you and Travis Credit Union (the “credit union”). The Membership Disclosure Statement is included by reference.

*MONTHLY SERVICE FEE can be avoided under the following conditions:

Free Checking	FREE.
Dividend Checking	FREE on accounts that maintain a $500 balance in the checking account or a combined minimum daily balance of $2,500 in checking, share, and/or money market accounts. (Combined balance does not include certificate accounts or IRAs.)
Silver Wings  Checking	FREE.
Investor Checking	FREE on accounts that maintain a combined minimum daily balance of $2,500 in the checking account or a combined minimum daily balance of $5,000 in checking, share and/or money market accounts. (Combined balance does not include certificate accounts or IRAs.)

OTHER FEES (Also refer to our Schedule of Fees and Charges)

NSF (Non-Sufficient Funds) Fees	Per Paid Item Per Unpaid Item	$25
		$25
Overdraft/Line-of-Credit Protection	Per Transfer to Cover Overdraft	$5
	Silver Wings and Investor Checking Accounts	FREE
Online Banking	Access	FREE
Bill Payer	Monthly Fee	FREE
	(Bill Payment will be closed if not used for 90 days)
ATM Withdrawals	Per Withdrawal at Travis ATMs Per Withdrawal at other Credit Union ATMs reflecting the CO-OP symbol Per Withdrawal at Non-Travis ATMs/non CO-OP ATMs            Investor Checking                (first 4 withdrawals each month)                (each additional withdrawal)	FREE FREE $1 FREE $1
Check Card	Merchants or Point-of-Sale Terminals	FREE
ATM Card	Point-of-Sale Terminals	FREE
Cost for Checks	Free and Dividend Checking	Cost varies by style.
	Silver Wings & Investor Checking	FREE Classic (standard) checks when ordered one box at a time.
Stop Payment	Per Item  Stop on Range of Check Numbers.	$18 $18

ACCOUNTS WITH ZERO BALANCES
If your checking account has a zero balance for one complete statement cycle, the account will be automatically closed.

**DIVIDEND INFORMATION
No dividends will be paid on Free Checking. 
On Dividend Checking and Silver Wings Checking, dividends will be paid each day your checking account balance is $500 or more. 
No dividends will be paid for any day your balance falls under $500. 
Dividends on Health Savings Accounts will be paid each day your checking account balance is $100 or more.  No dividends will be paid for any day your balance falls under $100.
Dividends on Dividend Checking, Investor Checking and Health Savings Accounts begin to accrue on the business day you make a deposit, regardless of whether the deposit is cash or non-cash, but do not accrue on the date of withdrawal for the amount of the withdrawal.
Dividends on Dividend Checking and Investor Checking begin to accrue on the business day you make a deposit, regardless of whether the deposit is cash or non-cash, but do not accrue on the date of withdrawal for the amount of the withdrawal. 
Dividends are paid on a monthly basis on the first day of each month following the dividend period. For example, the beginning date of the first dividend period of the year is January 1, and the ending date of the dividend period is January 31. The dividends are posted following the end of the dividend period, which for this example would be February 1. This dividend and the resulting annual percentage yield earned (APY earned) in this example would appear on the February statement. All other dividend periods follow this pattern of dates. 
Dividends are compounded monthly on a 365/365 basis, using the daily balance method. The dividend rate is divided by 365 days to determine the daily periodic rate. The daily periodic rate is then calculated against the principal balance in the account each day. If you close your account before dividends are credited, we may credit these accrued dividends at the time you close your account. Credit union bylaws permit a delay of up to 60 days for withdrawal of shares. At our discretion, we may change the dividend rate and applicable annual percentage yield (APY) on your account at any time without prior notice. Current dividend rates appear on your statement. 

***TIERED RATES INVESTOR CHECKING ACCOUNTS 
The chart at the top of this disclosure shows the current dividend rates and APY for each balance tier. End-of-day balances will earn different daily dividend rates depending on the applicable tier. For example, for Investor Checking, if your end-of day balance is $7,000, you would earn the dividend rate shown in the chart above for the $5,000 to $9,999.99 balance range for that day on the entire balance and if next day your end-of day balance is $1,000, you would earn the dividend rate shown in the chart above for the $1,000 to $4,999.99 balance range for that day on the entire balance. No dividends will be paid on any day your balance falls below $1,000.

ANNUAL PERCENTAGE YIELD (APY)
The annual percentage yield (APY) is a percentage rate that measures the total amount of dividends paid on an account based on the dividend rate and the frequency of compounding for a 12-month period. If you withdraw dividends before this period, it may reduce your earnings.

HEALTH SAVINGS ACCOUNTS (HSAs)
HSAs are an important feature of consumer-directed healthcare. Federal law allows “qualified” individuals to open these accounts and deposit funds to pay for qualified healthcare expenses. This money is exempt from federal taxes and can help pay for deductible costs and other out-of-pocket medical costs.  Because of possible tax consequences, it is recommended that you consult with your tax advisor before opening an HSA.  The Credit Union accepts no liability nor responsibility for any penalties associated with the use of HSAs.  For more information, please refer to our HSA brochure and see www.ustreas.gov/offices/public-affairs/hsa for more details.

Because of IRS regulations, all transactions will be considered as tax-reportable transactions.

The following services are not available for HSAs:  Bill Payment, overdraft protection and loan products.
STATEMENT CYCLES
Active accounts receive monthly statements to enable you to reconcile your records. Accounts with no activity will receive a quarterly statement. Monthly statements will not be sent on accounts for which there is no activity in a given month; however, all accounts will receive a statement at least quarterly. Statements are mailed at the convenience of the Credit Union, usually near the beginning of the month.  Electronic statements are usually posted by the second business day of the month. If you would like a statement prior to the time one is normally furnished, you can request a printout of your account history. The charge for this special printout service is listed on the Schedule of Fees and Charges. 

CHANGE IN TERMS
The credit union reserves the right to change the terms and conditions of your account at any time, including the Schedule of Fees and Charges. A notice of any changes that would affect your account will be mailed to you 30 business days in advance of the effective date of change.

GENERAL AGREEMENTS

1. You must open and maintain a prime share (savings) account before you can open a checking account. 
2. The depositor(s) agrees to use the forms supplied by the credit union. The credit union reserves the right to return unpaid any other form of order presented or any form incompletely or defectively drawn. 
3. All non-cash deposits are received and credited by the credit union subject to final collection. Please refer to our Funds Availability brochure. 
4. The credit union may refuse to accept any deposit checks that appear to have been altered, that we believe are invalid, or nonnegotiable or that are not payable to you. 
5. We will make payments on current checks drawn on available funds in your checking account when signed by any person authorized on your membership card. 
6. A postdated check is a check dated later than the day it was actually presented for payment.  We are under no obligation to hold a post-dated check and we reserve the right to process every item presented as if dated the same date received by us or our check processor unless you give us notice as required under the UCC and a reasonable opportunity to act on it. A stale dated check is a check dated six months or more before the day it was actually presented for payment.  We are under no obligation to pay a check on which the date is more than six (6) months old, but we may pay the check in our discretion   Except where the required notice is given, the account holder agrees not to hold the Credit Union liable for paying or denying payment of any postdated or stale dated checks.
7. Credit union bylaws permit the right to require 60 days written notice of your intention to withdraw or transfer shares. 
8. The credit union reserves the right, at its sole discretion, to refuse to open a checking account or accept any further deposits to any existing checking account. The credit union also reserves the right, at its sole discretion and upon prior notice to the depositor, to discontinue or limit the practice of allowing withdrawals by check, draft, or other negotiable order. Any such prior notice shall advise the depositor that the credit union reserves the right after the date specified in said notice not to make payment on any checking account check, draft, or other negotiable order drawn on such account. After the date specified, the credit union shall not be obliged to make any payment from such account, except for the purpose of closing such account.
9. The credit union is not required to honor any restrictive or conditional legend or endorsement on a check you write unless the credit union has agreed in writing, signed by an officer of the credit union to the restriction or condition. An example of a conditional legend is “pay upon completion of work.” Examples of restrictive legends are “must be presented within 90 days” or “not valid for more than $1,000.” 
10. Withdrawals can also be made through Call-24 telephone audio response, with a credit union ATM card at designated ATMs or authorized point-of-sale (POS) terminals, or with a Check Card at any designated ATMs, POS terminals or any VISA authorized merchant. The use of ATM cards and Check Cards is governed by separate disclosure. Call-24 transactions are governed by separate agreement. 
11. You will not receive canceled checks with your statement, although all checks are electronically imaged and retained for seven years. Copies of checks are available on request. If you need a copy of an original check, the credit union will furnish a free copy of the first two checks requested for each statement period. Copies of checks beyond the first two checks requested are subject to a small fee. Please refer to the Schedule of Fees and Charges for current fees.    If you receive your statement electronically you can view and print a copy of a check by clicking on the check number.

STOP PAYMENTS
Provided such request is timely so that we have a reasonable opportunity to act upon it and you have described the item or account with reasonable certainty, you can place a stop payment on any check drawn on your account before the check has been cleared for payment by notifying us.  At your request and risk, the Credit Union will accept a stop payment order.   If you notify us orally, you must follow up with a written request.  If we do not receive the written request within 14 calendar days of the oral notification, the stop payment will lapse.    To stop payment, complete a stop payment order form at a branch or mail a written, signed request.  In order for us to effectively stop payment on a check, our computer system requires absolute accuracy.  A discrepancy in any information could void the order.  We need to know:  (1) Your account number, (2) The exact amount, (3) check number(s), if applicable, (4) The name of the person who signed the check and (5) the name of the party to whom the check was made payable.  A stop payment will not go into effect until the Credit Union verifies that the check or debit is still unpaid.  The order remains in effect for six months and may be renewed for a fee at the end of that period.  You may write the Credit Union to cancel a stop payment order at any time. The Credit Union will not accept responsibility so far as it may lawfully limit its liability for the consequences of the stop payment order.   You have the burden of establishing the fact and the amount of the loss resulting from any stop payment contrary to a binding stop payment.  For information on EFT stop payments, please refer to the Membership Disclosure Statement.

OVERDRAFT AND LINE OF CREDIT PROTECTION 
Travis Credit union offers overdraft and line of credit protection for your checking account. This protection will help you avoid the inconvenience of overdrafts and returned checks. If you have an open-end loan account (line-of-credit) or a Travis Credit Union VISA or MasterCard credit card in good standing with available credit and there are not sufficient funds in your checking account to cover your checks or other authorized payments, these items will be considered to be requests for a loan advance from the loan account designated by you. Advances will be posted from your loan account to cover your overdraft in $100 increments. Overdraft loan advances are governed by the appropriate loan agreement. If you have not designated a loan account or credit card, you can designate your savings account for overdraft protection. If designated, the money will be taken from your savings account to cover your checks or authorized payments in the lesser of $200 or the available balance. However, federal regulations limit such transaction from your savings account to six (6) per month. If sufficient funds are not available in the savings account, either because funds are on hold or not on deposit, or you have already made the six transfers permitted per month, any checks drawn against non-sufficient funds may be returned unpaid. The following rules pertain to overdraft protection service:

1. Your current or amended membership card (or other more current authorization) establishes the sequence in which these accounts are to be accessed to cover your overdraft.
   
2. If you do not have overdraft-loan protection, or have exceeded your credit limit, and there are not sufficient funds in your savings account, or you have already made six (6) transfers from your savings account for the month, we may return any checks presented for payment for reason of non-sufficient funds (NSF). However, in the case of returned deposited items, at our option we have the right to automatically resubmit checks without notification to you. We also have the right to offset a returned item with the proceeds of any other account in which you have an interest.
   
3. Transfer service must be from an account not subject to withdrawal limitation or penalties. 
   
4. Items Returned Unpaid and Paid Items: If, you have not selected overdraft protection or we cannot transfer funds from your savings account, line of credit or credit card to cover a check, electronic debit, or other item drawn against non-sufficient or unavailable funds in your checking account, or if you do not have sufficient funds in your savings account or available credit to cover the item, we will either:
   
   a.   not pay the check, electronic debit, or other item drawn against non-sufficient or unavailable funds in your checking account, return the check, debit, or item, unpaid to the payee, and assess a Non-Sufficient Funds (NSF) Fee for each item; OR
   
   b.   pay the check, electronic debit, or other item drawn against non-sufficient or unavailable funds in your checking account and charge you a “Courtesy Pay” fee (this may result in an overdraft/negative balance in your checking account). Please refer to our Schedule of Fees and Charges for NSF and Courtesy Pay Fee amounts.
   
5. Termination of agreement: The credit union has the right to terminate the overdraft protection agreement at any time by sending a notice five (5) days in advance of the termination to your address of record. 
   
6. Unless there are special provisions for transfer to meet overdrafts, the Credit Union, at its sole discretion, can close your checking account without prior notice for repeated overdrafts or for your misuse of your account.