Disclosures

We want to help you make the right choices for all of your financial needs. To help you, below are personal account disclosures for your reference.

Truth-In-Savings (TIS) Disclosures
Fee Disclosure
Privacy Policy Disclosures
Patriot Act Notice
e-Statements/Statement of Account Disclosure

Many of these disclosures are provided in a PDF format. You must have Adobe's Acrobat Reader in order to view these files.

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Truth-In-Savings (TIS) Disclosures

This TIS Disclosure provides information on our:

  • Savings Accounts Terms & Conditions
  • Checking Accounts Terms & Conditions
  • Certificate Accounts Terms & Conditions
  • Electronic Fund Transfers Terms & Conditions
  • Funds Availability Disclosure
  • Unclaimed Property Law Disclosure
  • Account Agreements

Fee Disclosure

Get a list of all of our current account and service fees.

Privacy Policy Disclosures

Below are our privacy policies which are statements that disclose all of the ways we gather, use, disclose and manage a member's or potential member's data.

Patriot Act Notice

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

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 for 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. We may also ask to see your driver's license or other identifying documents.

e-Statements/Statement of Account Disclosure

Below are disclosure related to your electronic or paper account statements.

Please review your Statement as soon as you receive it and retain it as it is your permanent record. If this Statement is in error, please notify North County Credit Union at the following address and furnish information necessary to effect correction. If no difference is reported within (60) sixty days, this statement will be considered correct.

North County Credit Union, 17045 Via Del Campo San Diego, CA 92127-1711 or

Contact Us

If the matter is not resolved to your satisfaction, please write to the above address care of the Supervisory Committee.

Regulation Z Disclosure

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR STATEMENT: If you think your bill is wrong, or if you need more information about a transaction on your statement, write us on a separate sheet at the address shown above as soon as possible. We must hear from you no later than 60 days after we sent you the first statement on which the error or problem appeared. (You can call or email 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 the error and explain, if you can, why you believe there is an error. If you need more information, describe the item of which you are unsure.

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

Regulation E Disclosure

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS: Call, write or email us at the address or telephone number listed above as soon as you can if you think your statement or receipt is wrong or if you need more information about a transfer on the statement or receipt. We must hear from you no later than sixty (60) days after we sent you the FIRST statement on which the error or problem appeared.

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

We will investigate your question and will correct any error promptly. If we take more than ten (10) business days to do this, we will provisionally credit 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.

Regulation D Disclosure

In compliance with Federal Banking Regulation D, during any calendar month you may not make more than six withdrawals or transfers to another North County Credit Union account of yours or to a third party by means of a preauthorized or automatic transfer, remote access device, or telephonic order, or instruction. This also includes withdrawals for Overdraft Protection, transfers, and withdrawals made through the Automated Clearing House (ACH) and Merchant Point of Sale terminals. No more than three of the six transfers may be made by check (if applicable to the account) or similar order to a third party. Checking accounts are not subject to these limitations.

Finance Charge Calculation

Each loan marked with an (*) is an open end loan. FINANCE CHARGES on loans are computed by a daily periodic rate applied to the unpaid balance for the exact number of days since your most recent loan or payment. The ANNUAL PERCENTAGE RATE and the daily periodic rate are shown on the Statement. There is no grace period. FINANCE CHARGE begins immediately upon disbursement.