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Share Draft Application

SHARE DRAFT AGREEMENT With Overdraft Transfer Clause

I/We hereby authorized the Integra First Federal Credit Union (the Credit Union) to establish this Share Draft Account for me/us. The Credit Union is authorized to pay share drafts signed by me (or by any of us) and to change all such payments against the shares in this Account.

It is further agreed that:

(a) Only share draft blanks and other methods approved by the Credit Union may be used to make withdrawals from this Account.

(b) The Credit Union is under no obligation to pay a share draft that exceeds the fully paid and collected share balance in this Account; the Credit Union may, however, pay such share draft and transfer shares to this Account in the amount of the resulting overdraft, plus a service charge, from any other regular share account from which any of the undersigned is then eligible to withdraw shares.

(c) The Credit Union may pay a share draft on whatever day it is presented for payment, notwithstanding the date (or any limitation on the time of payment) appearing on the share draft.

(d) When paid, share drafts become the property of the Credit Union and will not be returned either with the periodic statement of this Account or otherwise.

(e) Except for negligence, the Credit Union is not liable for any action it takes regarding the payment or nonpayment of a share draft.

(f) Any objection respecting any item shown on a periodic statement of this Account is waived unless made in writing to the Credit Union before the end of 60 days after the statement is mailed.

(g) This Account is subject to the Credit Union's right to require advance notice of withdrawal, as provided in its bylaws.

(h) This Account is also subject to other terms, conditions and service charges as the Credit Union may establish from time to time.

(j) If this agreement is signed by more than person, the persons signing below shall be the joint owners of this Account which, in that event, shall be subject to the additional terms and conditions printed below.

I/We hereby acknowledge that the Credit Union has informed me/us of the following:

  The Credit Union's policy concerning the hold period placed on funds deposited.

  The Credit Union's stop-payment policies.

  The Credit Union's policies concerning its liens on shares.

  Date / / (mm/dd/yyyy)
  Share Draft Account Number

AGREEMENT AND APPLICATION

  Draft Account No.
  SS No. - -
  NAME (1)
  Dept.
  TYPE OF I.D.
  I.D. No.
  NAME (2)
  Dept.
  TYPE OF I.D.
  I.D. No.
  Street
  City
  State
  Zip Code
  E-mail Address
  Telephone Number - Days () - ext
  Telephone Number - Evenings() -

OVERDRAFTS COVERED BY TRANSFER FROM:

  Share Account Number
  Share Account Number
  Authorized by

DEPOSITS MADE BY:

 (1)(2)AMT. $ (1)AMT. $ (2)
PAYROLL DEDUCTION
NET PAY
SOCIAL SECURITY
OTHER
  Charge for Drafts:
(No charge if direct deposit)


  Present Payroll Deduction
  Increase
  Total

(Total must be lower than minimum paycheck)

Additional Terms and Conditions*
(Joint Share Account Agreement)

The Credit Union is hereby authorized to recognize any of the signatures subscribed on the reverse side hereof in the payment of funds or the transaction of any business for this account. The joint share owners of this account hereby agree with each other and with the Credit Union that all sums now paid in on shares, or heretofore or hereafter paid in on shares by any or all of said joint owners to their credit such as joint owners with all accumulations thereon, are and shall be owned by them jointly, with right of survivorship and be subject to the withdrawal or receipt of any of them, and payment to any of them or the survivor or survivors shall be valid and discharge the Credit Union from any liability for such payment. The right or authority of the Credit Union under this agreement shall not be changed or terminated by said owners, or any of them except by written notice to the Credit Union which shall not affect transactions theretofore made.

Please Read Disclosure Before Submitting Application

PRIVACY STATEMENT:

It is the policy of Integra First Federal Credit Union that all personal information supplied to the credit union by our members via the Internet will remain completely confidential. The credit union will use personal information only as required to transact credit union related business between Integra First Federal Credit Union and our members. Integra First Federal Credit Union will not sell or otherwise distribute Internet acquired personal information, including name, address or e-mail address, to outside merchants or mailing lists.

Select which branch office and then click the Submit Application button to send the application to us via the WWW. Use an additional email if you need to give us any further information. Please put your full name in the email.


By submitting this application you agree to the terms and conditions governing the services. Submission of this application constitutes your signature. Your signature may be required as an additional condition of these services.

  Please check which office you would like your application sent to.


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