Disclosures

The following disclosures are offered by Partners 1st to its members to ensure the utmost transparency, communication and accessibility for all.

General

Partners 1st Federal Credit Union home page on the World Wide Web is a service that is intended to provide useful information for Partners 1st members, consumers, and other interested persons. While it is our intent to always present accurate information, we make no warranties regarding the completeness, timeliness, accuracy, or correct sequencing of the information provided on this site. We accept no liability for damages of any kind resulting from reliance on any of the information provided therein. Each user expressively waives any and all rights of action that he or she may have against Partners 1st arising out of use and/or reliance on the information of this service. At certain places on this site, live links to other Internet addresses can be accessed. We do not approve, certify, or control the content on those pages and therefore, can not guarantee the accuracy, completeness, security, safety, privacy, timeliness, or correct sequencing of information located on such addresses.

We use state of the art Internet technology; supported by the outside companies we work with, to make online banking secure and to protect your personal information. We also require an I.D. and password to access your accounts. If you do not provide this information, we cannot establish an online banking service for you. You can also maintain the security of your banking information by not sharing your I.D. or password with anyone, by changing your password regularly, and by remembering to sign off. For each visit to our Web pages, our Web server automatically recognizes the consumer's domain name and e-mail address. We collect e-mail addresses of those who communicate with us via e-mail. We also compile information on what page consumers visit. We collect information on what page consumers visit and information volunteered by the consumer, such as survey information.

The information we collect is used to improve the contents of our web site, customize the content and/or layout of our pages, and to notify our members about updates and promotions. Members may elect not to be notified of such information. Any information we obtain on our web site is NOT shared with other organizations.

1st Online Disclosure

You may visit 1st Online an unlimited number of times and perform an unlimited number of transactions. By logging on to 1st Online, you agree to the following:

I understand that I can:

Access my account balance and pull up a history of transactions
View current and past statements free of charge
Transfer funds within my joint accounts and to other accounts
Make loan payments by transfer
Request a check withdrawal by regular or express mail
Review dividend and interest information
Change my password
Place a stop payment
Access the Bill Payment function
Apply for a loan

Please note: (1) When withdrawing by check, you may request regular or express mail. There is a fee for express mail; (2) Take care where transferring funds or placing a stop payment as multiple checking accounts may exist; (3) Stop payments are assumed verified and will be in effect for one year; (4) If requesting a future loan payoff amount, this system assumes no future payments, insurance postings, or other loan activity. As an option, I may activate the Bill Payment button. If I click on this button, it entitles me to pay an unlimited number of bills.

For E-statement Members

Bill of Rights

IN CASE OF ERRORS OR TO INQUIRE ABOUT YOUR LOAN ACCOUNT

If you think your statement is wrong, or if you need more information about a transaction on your statement, write us on a separate sheet of paper at the address shown on the statement as soon as possible. We must hear from your no later than 60 days from the first statement on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information:

Your name and account number
The dollar amount of the suspected error
Describe and explain, if you can, why you believe there is an error. If you need more information describe the item you are unsure about.

You do not have to pay any amount in question while we are investigating, but you are still obligated to pay parts of your outstanding balance that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question.

IN CASE OF ERRORS OF QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS

Write us at the address shown on the front of the statement or telephone us at the telephone number shown in that area as soon as you can if you think your statement or automated teller machine receipt is wrong or if you need more information about a receipt or a transfer on the accompanying statement. We must hear from you no later than 60 days after the first statement on which the error or problem appeared.

Tell us your name and account number
Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe there is an error or why you need more information
Tell us the dollar amount of the suspected error.

We will investigate your complaint and will promptly, usually within 10 "business days," correct the error or send you a written explanation of our reasons for believing no error occurred. If we take more than 10 "business days" to do one of these things, we will recredit your account for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation.

Account Agreement

Below are account agreement typically given to members at account creation. These documents contain specific details surrounding accounts, membership, specific programming and service offerings, and more.

English

Consumer Account Agreement (English)

Business Account Agreement (English)

Spanish

Consumer Account Agreement (Spanish)

Business Account Agreement (Spanish)

Rate/Fee Schedule

General Fees

1st Online Set-up: FREE
Account Closing (if within 90 days of opening): $5
Amortization Schedule: $5
ATM/POS Overdrawn Fee (transaction resulting from non-sufficient balance): $30
Check Cashing Service: $5
Check Printing: Varies
Coin Counting: 3% or 5%
Credit Card Rush Replacement: Actual Cost
Debit Card Rush Replacement: Actual Cost
Express Check: Weekday - $10.50 / Saturday - $17.50
Fax (per page): $3
Federal Express Mail: Weekday - $10.50 / Saturday - $17.50
Inactive Accounts (per month): $5
Incorrect Address (over 30 days): $5
Levies, Garnishments, Attachments: $50
Online Bill Pay Service: FREE
Paid Items (as a courtesy): $30
Per ATM Deposit Discrepancy: $5
Per Check Reject (error from any non-endorsed check printer): $1
Per Collection of Foreign Items: $10
Per Commercial Money Order: Actual Cost
Per Domestic Wire Transfer: $15
Per Hour Balance Assistance (first time free): $15
Per Interim Statement: $5
Per International Wire: $35
Per Returned Deposit Item: Less of $30 or check amount
Per Returned Item: $30
Per Stop Payment: $20
Quick Pay (ECheck): $3.95
Quick Pay (debit/credit card): $6.95
Quick Pay (debit/credit card with convenience fee): $6.95 + $5.00
Research (per hour - 1 hour minimum): $15
Safe Deposit Box Rental: Standard fees
Temporary Check Pack: $5
Visa Gift Cards: $3.95
Visa International Transaction: (1% Visa assessed, 1% processing charge) 2% of transaction amount

Partnership Level Fee Schedule

Partnership Level: Level 1 (High) | Level 2 (Mid) | Level 3 (Basic)
Loan Rate Discounts: Yes | Yes | ----
Certificate Bonus Rates: Yes | Yes | ----
Identity Theft Protection FREE | Optional | Optional
1st Online (Online Banking): FREE | FREE | FREE
$3000 Accidental Death & Dismemberment Insurance: FREE | FREE | FREE
ATM/Visa Debit Card: FREE | FREE | FREE
Auto Blue Book Valuations: FREE | FREE | FREE
E-Statements: FREE | FREE | FREE
FICO Credit Score Consultation: FREE | FREE | FREE
Online Bill Pay: FREE | FREE | FREE
Discounted Prescription Drug Card: FREE | FREE | FREE
ATM withdrawals, over 6/month (for savings only & HSA members only): No Charge | $1.00 | $2.00
ATM Balance Inquiry Fee (per inquiry): No Charge | $.25 | $.50
Amortization Schedule: No Charge | $3.00 | $5.00
Cashiers Check Charge: No Charge | $3.00 | $5.00
Check Cashing Charge: No Charge | $3.00 | $5.00
Coin Counting (3% for $250-$1000, 5% for $1000+): No Charge | 3% or 5% | 3% or 5%
Copy of Statement, Tax Info, Check/Draft, Credit Card Sales Slip: No Charge | $3.00 | $5.00
Credit Card Replacement: No Charge | No Charge | No Charge
Credit Card RUSH Replacement: Actual Cost
Debit Card RUSH Replacement: Actual Cost
Fax (per page): No Charge | $2.00 | $3.00
Incorrect Address (over 30 days): No Charge | $3.00 | $5.00
Per Card/PIN Reissue (ATM, 1st Online): No Charge | No Charge | No Charge
Per Interim Statement: No Charge | $2.00 | $5.00
Research (per hour, 1 hour minimum): No Charge | $15.00 | $15.00
Temporary Check Pack: No Charge | $3.00 | $5.00
Personal Checking Accounts
ATM Withdrawals (over 5/mo - 1st Rewards Checking): No Charge | $1.00/ea | $2.00/ea
ATM Withdrawals, over 6/mo (Classic 1st, Premium 1st and SafeGuard Checking): No Charge | $1.00/ea | $2.00/ea
Below $5,000 Minimum Balance (Premium 1st Checking - S28): No Charge | $3.75/month | $7.50/month
Overdraft from Savings, Creditline, Creditline Premier or Visa: No Charge | $3.00 | $5.00

There is no charge for cashiers or counter checks if made payable to the government or to the member. Ask for a complete copy of our check cashing policy for specifics and exceptions. Most fees based on per occurrence or per month. Privilege Pay loans do not qualify as loans for determining Partnership Levels. Loan discounts are lost if moving to another tier with different discount. Must qualify for loan rate discount before disbursement. Organizations, accounts with a negative balance write off, charged off loan, chapter 7 or 13 and accounts with a loan delinquent 25 or more days are assigned to Level 3. Direct deposit or payroll must be via ACH. Review our share disclosure for account details. Annual Percentage Yield for certificates assumes monthly compounding when yield different from rate. Information based on fixed rate investments and early withdrawal penalty applies. Some services such as identity theft protection and accidental death & dismemberment insurance require a sign up form. Inactive members are classified as having no account activity for six months or more, no checking account, no open loan (regular or credit card), no investment, and total deposits of less than $500.

Visa Platinum Disclosure

Annual Percentage Rate (APR) for purchases

10.74% variable*

Other APRs

Introductory Balance Transfer APR: 0% (depending on our review of your application and credit history) through 12 billing cycles after account opening; after that, remaining balance moves to variable APR for purchases, as shown in Variable Rate Information below. Must be processed within 60 days of account opening.
Cash Advance APR: 16.75% variable*
Default APR: 18% See explanation below**

Variable Rate Information

The following APRs may vary monthly based on Prime Rate:

Cash Advance APR equals the Prime Rate plus:
11.75% (A+ rating) 11.75% (A rating)
13.00% (B rating) 13.00% (C rating)
13.00% (D rating)

Purchase APR equals the Prime Rate plus:
5.74% (A+ rating)
7.74% (A rating)
10.74% (B rating)
13.00% (C rating)
13.00% (D rating)

Grace period for repayment of purchases balances

Not less than 23 days

Method of computing the balance for purchases

Average Daily Balance, including current purchases

Minimum Finance Charge Per Balance Category:

$.50

Balance transfer Fee:

3% ($5 minimum)

Annual Fee:

None

Late Fee:

$25

Cash Advance Fee

3% of the advance ($5 min/$50 max. per advance)

Visa International Transaction (1% Visa assessed, 1% processing charge)

2% of transaction amount

We may change the APRs, fees, and other terms of your account at any time in accordance with applicable law.

*The Prime Rate used to determine your APR is the Prime Rate published in The Wall Street Journal on the first business day following the 20th of the calendar month, subject to a maximum rate as determined by law which is currently 18% APR.

**Your Purchase, Balance Transfer and Cash Advance APR may increase if your Account becomes 60 or more days late in making the minimum monthly payment when due as shown on your billing statement for any billing cycle in which a payment is owed.

Visa Platinum Rewards Disclosure