Date: Account Number - Lake Community Federal Credit Union

Date: Account Number:

Primary Owner: Address: Phone #:

Share Draft (Checking) / Debit Card Application Joint Owner: Address: Phone #:

Address & Phone Number to appear on checks? Primary or Joint

Starting Draft # ______________

Type of Draft Account_________________________ Overdraft from Share Account Yes / No

Debit Card will be ordered for all account holders: Accept _____________ Decline_______________

Terms and Conditions

I/we hereby authorize Lake Community Federal Credit Union to establish a share draft account. The credit union is authorized to pay drafts signed by me (or by any of us) and to charge the payment against the share draft account. It is agreed that:

1. Only share draft blanks and other methods approved by the credit union may be used to withdraw funds from this account. 2. The credit union is under no obligation to pay a draft which exceeds the balance in the share draft account. The credit

union may, however, pay such a draft and charge the amount of the resulting overdraft plus a service charge against your share or share draft account. The credit union is under no obligation to pay a share draft on which the date is more than six months old. 3. The credit union may pay a share draft on whatever day it is presented for payment, notwithstanding the date (or any other limitation on the time of payment) appearing on the share draft. 4. When paid, share drafts will not be returned either with the periodic statement of this account or otherwise. Copies of such share drafts will be provided, if requested, and the credit union may charge a fee for providing such copies. 5. Except for negligence, the credit union is not liable for any action it takes regarding the payment or nonpayment of a share draft. 6. Any objection to a transaction shown on your 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. 7. The share draft account shall be subject to such other terms, conditions and requirements as the credit union may establish from time to time. 8. The share draft account is also subject to such other terms and conditions as the credit union may establish from time to time. Such other terms and conditions include, without limitation, service charges for stop payment orders, drafts returned, and any other services as designated by the credit union. 9. If signed by more than one person, this agreement is subject to the additional terms and conditions of any joint share account agreement. 10. Unless declined, MasterMoney Debit Cards will be mailed out to checking account holders. I/We agree to the terms and conditions of the LCFCU MasterMoney debit card as described in the Membership Booklet /Disclosure Statements provided upon account opening. 11. If accepting home banking service, you are requesting online access to your Lake Community Federal Credit Union Accounts. Primary account holder will receive logon instructions via email. You understand that the password is issued for your security. It is your responsibility to secure passwords. If you disclose passwords to a non-owner of your account(s), you will be responsible for all transactions performed on the account(s). 12. All owners agree to be governed by the Account Agreements, Disclosures and Fee Schedules and to any amendment the credit union makes from time to time. 13. I/We authorize the credit union, or any credit bureau or other investigative agency employed by the credit union to investigate information obtained by me/us or from any other source whatsoever pertaining to my credit and financial responsibility. The Credit Union may close this account if after an investigation derogatory information is received. Proper notice will be provided by the credit union to the undersigned. 14. NEGATIVE INFORMAITON NOTICE ? We may report information about your loan, share, or deposit accounts to credit bureaus. Late payment, missed payments, or other defaults on your accounts may be reflected in your credit report.

X _________________________________________

X__________________________________________________

Lake Community Federal Credit Union

What You Need to Know about Overdrafts and Overdraft Fees

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways:

1. We have standard overdraft practices (Courtesy Pay) that come with your account. 2. We also offer overdraft protection plans, such as a link to a savings account, which may be less

expensive than our standard overdraft practices. To learn more, ask us about these plans. This notice explains our standard overdraft practices (Courtesy Pay).

What are the standard overdraft practices (Courtesy Pay) that come with my account?

We do authorize and pay overdrafts for the following types of transactions:

Checks and other transactions made using your checking account number Automatic bill payments

We do not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below).

ATM Transactions Everyday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.

If we do not authorize and pay an overdraft, your transaction may be declined.

What fees will I be charged if Lake Community Federal Credit Union pays my overdraft?

Under our standard overdraft practices:

We will charge you a fee of up to $$3208..0000 each time we pay an overdraft.

There is no limit on the total fees we can charge you for overdrawing your account.

What if I want Lake Community Federal Credit Union to authorize and pay overdrafts on my ATM and everyday debit card transactions?

If you also want us to authorize and pay overdrafts on ATM and everyday debit card transactions, call 330 8774370, or complete the form below and bring into our office, or mail to: PO Box 457 Hartville, OH 44632

_______ I want Lake Community Federal Credit Union to authorize and pay overdrafts on my ATM and everyday debit card transactions.

Printed Name __________________________

Date: ________________

Account # _____________________________

Member Advantages

Here to help you achieve financial success

Share (Savings) Accounts Share Draft (Checking ) Accounts Business Checking Accounts HSA Checking Accounts IRA Accounts Share Certificate Accounts Christmas Club Accounts VISA Credit Cards Auto Loans ( Purchase or Refinance) RV Loans Personal Loans Credit Builder Loans Member Assist Loans Mortgage Loans ( Purchase or Refinance) FHA--VA--USDA--Conventional Night Deposit Services both locations ATM located at both locations Alliance one surcharge fee ATM network Discounted amusement park tickets CU Money Reloadable Debit Cards VISA Gift Cards Mobi? Money App On line account access Bill Pay service Love my CU Rewards program

Hours & Information

Mailing Address PO Box 457 Ave Hartville, OH 44632

Hartville Office 255 So. Prospect

Hartville, OH 44632

Alliance Office Carnation City Mall 2500 West State Street Alliance, OH 44601

Phone: FAX:

Email Website

330 877-4370 330 877-1081 Hartville 330 680-4203 Alliance info@

Office Hours Monday--Thursday Friday Saturday

Hartville Office 8:30 am--5:00 pm 8:30 am--6:00 pm 8:30 am--12:30 pm

Monday--Thursday Friday Saturday

Alliance Office 9:00 am--4:30 pm 9:00 am--5:00 pm 8:30 am--12:30 pm

Report Lost or Stolen Debit Cards

800 528-2273

Report Lost or Stolen VISA Credit Cards

800-991-4964

LCFCU NMLS # 478085

This credit union is federally insured by the National Credit Union Administration

Fee Schedule

January 2019

Credit Union Membership

Membership Shares on Deposit

$25.00

Re-Admittance Fee

$25.00

Miscellaneous General Fees

IRA - Direct Transfer out Fee

$50.00

Share Account Closure within 90 days of

$25.00

opening account

Printout of 30 days activity

$2.00

Statement reprint

$5.00

Returned Mail Processing

$7.00

Returned Item Fee (Non VISA Card

$15.00 per item

Associated)

Legal Processing/Garnishments/IRS Levy

$50.00

Share Account Inactive / Dormant

Wire Transfer (outgoing) Wire Transfer (incoming) International Wire Transfer (incoming and outgoing) Credit Union Official Check

Share balance with $200.00 or less and no activity for 36 months, $5.00 per month. $20.00/Transfer $15.00/Transfer $50.00/Transfer

2 per month for free then $5.00 per check

Credit Union Official Check Stale Dated and/or $4.00 per item Voided and/or Reissue Processing

FAX Service

Research/Reconcile Account

Telephone Transfer Made by a Teller Automatic Overdraft Transfer from Share Account to Draft Account Courtesy Pay Fee

$3.00/FAX

$30.00/First hour or any part of an hour, thereafter $4.00 minimum for every 30 minutes $2.00/Transfer $10.00/Transfer

$30.00/item

Non-Sufficient Funds (NSF) Returned Non-Sufficient Funds (NSF) Honored Non-Sufficient Funds (NSF) Uncollected

Non-Sufficient Funds (NSF) on Authorized scheduled transfer or auto transfer Photo Copy of Member Draft or Credit Union Official check ACH/Share Draft Stop Pay Exact Match

$30.00 / Item $35.00/ Item $5.00/ Item $5.00/ Item

$3.00/ Copy

$30.00 / per Item

ACH/Share Draft Stop Pay with a Range

$60.00 / per item

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