Electronic Periodic Statement (eStatement): By activating eStatements you consent to electronically receive periodic statements and other periodic notices that normally accompany your mailed statements, such as but not limited to, IRS Tax Information, Change in Terms Notices and our Annual Privacy Notice. You understand and agree that to receive your periodic statement electronically you will no longer receive them by mail. This eStatement disclosure will continue to be available in CU OnLine or can be printed for future reference.
Hardware and Software Needed to Access, Print and/or Store eStatements: In order to receive your periodic statements electronically you must be a CU OnLine user. To access, print and/or store eStatements you will need Adobe Acrobat Reader 4.0 or higher, a printer and/or an electronic storage device. To download a free copy of Acrobat Reader please click here.
Accessing your eStatements: Your eStatements will be provided in CU OnLine for the accessed account in a Portable Document Format (PDF) that you can view, print or store for future reference.
Notification and Availability of your eStatement: You will receive an electronic notification generally the 1st week of the month, in CU OnLine, informing you when your eStatement is available. Your eStatement will be available at the same frequency as your current mailed statement. Generally, monthly statements are provided if you have a Share Draft (checking) Account or an electronic transaction in a given month and quarterly statements are provided if you have only a Share (savings) Account and/or Loan. You will be able to view at least a 12-month history of previous eStatements.
Additional Disclosures: Your eStatement may include additional disclosures.
Change eStatement Deliver Method: You may contact TruGrocer Federal Credit Union at PO Box 8145, Boise, ID. 83707, (208) 385-5200 or [email protected] to discontinue your eStatements and have future statements sent to your mailing address. Your eStatements will be discontinued and set back to being printed and sent to your mailing address if you do not sign on to CU Online for a four-month duration.
Option to Receive Paper Documents: You may contact TruGrocer Federal Credit Union at PO Box 8145, Boise, ID. 83707, (208) 385-5200 or [email protected] to request to have a paper copy of your periodic statement sent to your mailing address. There will be a $2.00 charge for each copy of a periodic statement that was already provided electronically or by mail.
This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act.
What To Do If You Find A Mistake On Your eStatement
If you think there is an error on your eStatement, write to us at the address listed below.
In your letter, give us the following information:
* Account information: Your name and account number.
* Dollar amount: The dollar amount of the suspected error.
* Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.
You must contact us:
* Within 60 days after the error appeared on your eStatement.
* At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.
You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question.
What Will Happen After We Receive Your Letter
When we receive your letter, we must do two things:
1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.
2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.
While we investigate whether or not there has been an error:
* We cannot try to collect the amount in question, or report you as delinquent on that amount.
* The charge in question may remain on your eStatement, and we may continue to charge you interest on that amount.
* While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
* We can apply any unpaid amount against your credit limit.
After we finish our investigation, one of two things will happen:
* If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.
* If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.
If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us.
If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.
Your Rights if You Are Dissatisfied With Your Credit Card Purchases
If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.
To use this right, all of the following must be true:
1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50.
(Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.
2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify.
3. You must not yet have fully paid for the purchase.
If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the address listed below.
While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.
The amount of dividends received as shown on this eStatement is reportable as "Interest Earned" on your Income Tax Return. If dividends are $10.00 or more the amount of dividends will be reported to the Internal Revenue Service.
IN CASE OF ERROR PLEASE NOTIFY US. PLEASE RETAIN THIS PORTION OF THE eSTATEMENT FOR YOUR RECORDS.
INTEREST is computed at the time a payment is received by multiplying the loan balance by the number of days it has been outstanding by the periodic rate as shown on the eStatement. Loan balance does not include interest. Interest due is computed by multiplying the loan balance by the periodic rate per day as shown on the eStatement and then multiplying the result by the number of days from the last loan transaction to the current date.
PERIODIC RATE: The periodic rate used in calculating the INTEREST CHARGED is the daily periodic rate (shown on the eStatement) ANNUAL PERCENTAGE RATE (shown on the eStatement).
WHEN PERIODIC INTEREST IS IMPOSED: The periodic INTEREST CHARGE begins on the date each advance is posted to my account.
HOW YOU DETERMINE THE BALANCE SUBJECT TO INTEREST RATE: The balance used to compute interest is the unpaid balance each day after payments and credits to that balance have been subtracted and any additions to the balance have been made.
HOW DO YOU DETERMINE MY TOTAL INTEREST CHARGED: Each time I make a payment on my account (or from the date of my first advance on a new account), you will multiply the unpaid balance by the daily periodic rate (see eStatement), and multiply that result by the number of days since the date of the last payment (or from the date of my first advance on a new account). When advances are added to the loan, the INTEREST CHARGED is computed on the unpaid balance from the date of the last payment (or from the date of my first advance on a new account) to the date of the additional advance, then on the total unpaid balance to the date of the next payment. This determines my total INTEREST CHARGED for the billing cycles.
A minus (-) figure in the INTEREST CHARGED column on the statement indicates a credit of INTEREST to my account.
The statement period on the eStatement indicates the closing date of my billing cycle.
Write us at PO Box 8145, Boise, ID. 83707 or telephone us at (208) 385-5200 as soon as you can if you think your eStatement or receipt is wrong, or if you need more information about a transfer on the eStatement or receipt. We must hear from you no later than 60 days after we send you the FIRST eStatement on which the error or problem appeared.
(1) Tell us your name and account number.
(2) 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.
(3) Tell us the dollar amount of the suspected error.
If you can tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will investigate your complaint and will correct any error promptly. If we take more than 10 business days (or 20 business days for foreign-initiated transactions and all transfers resulting from point-of-sale debit card transactions) to do this, 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.
Share (savings) accounts are insured to at least $250,000 and backed by the full faith and credit of the United States Government National Credit Union Administration (NCUA), a U.S. Government Agency. An additional $250,000 of savings protection is provided by Excess Share Insurance (ESI), a private deposit insurer.