I (we) apply for membership in this credit union, agree to follow its by-laws and amendments and subscribe for at least one share. This membership agreement applies to the accounts indicated. I (we) authorize the credit union to investigate my (our) credit and request that the credit union issue me (us) a PIN (personal identification number) to access the MATT Audio Response System. The credit union will mail a fee schedule, a copy of the terms and conditions applicable to each account applied for, and the Funds Availability, Electronic Fund Transfer and Truth in Savings Disclosures within twenty days.
The USA Patriot Act has paved the way for financial institutions to help prevent fraud, identity theft, and the spread of terrorism. It requires financial institutions to obtain more information from an individual or legal entity to help