Your rights and responsibilities

No surprises! Important disclosures and agreements for STCU members

America has its Constitution. Your children have their lists of weekly chores. And STCU has the following disclosures and agreements.

Why? Because every reasonable social arrangement spells out basic ground rules that set appropriate expectations. In short, we want to avoid surprises. The following documents explain what you can count on from STCU — and what the credit union can count on from you.

If there's anything you don't understand, please let us know. We're happy to help.

  • Membership and account agreement
    Your relationship with STCU begins here with an explanation of account ownership options, how to access your account information, how we handle certain exceptional transactions, what liability we bear for errors, what communications we pass back and forth, and how accounts and memberships get closed.
  • Funds availability
    Did you know that when you make certain deposits to your STCU accounts, the full amount may not be available immediately until we are sure the source of funds is good? This disclosure explains why.
  • Electronic funds transfers
    This agreement governs the full range of electronic transactions you may perform, or have performed on your behalf. Special terms and certain limits apply.
  • Electronic communications E-Sign disclosure
    This document spells out in what cases you'll permit us to present certain account information and disclosures to you electronically, especially when you're in the middle of an electronic process.
  • Online banking and billpay agreements
    These agreements describe what you can expect from our very popular online banking and billpay services when you use them to perform various financial tasks.
  • Privacy pledge
    We're very serious about our protection of your confidential information. This pledge spells out how we assure your privacy.
  • Privilege pay terms
    This is a special, optional program to help eligible members avoid embarrassment when they have insufficient funds to cover certain transactions. This document spells out those arrangements — how to enroll, and how to unenroll — depending on whether it's right for you.
  • Visa® Platinum, Gold, and Classic card terms
    There's a lot more to your STCU credit card than you might think. Obviously, there are special terms regarding how we handle various purchases and advances. But this document also reveals a number of bonus services you can leverage as a cardholder.

 

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