The Credit Union has updated your Membership Account Agreement and Disclosures by making revisions to several provisions of our Agreement with you. Many of these changes are intended to clarify our agreements with members. Other changes were made to reflect changes in the laws governing the accounts and services we provide. Many of these changes reflect enhancements or benefits to you or more detailed explanations of how the banking process works to help you better understand how your funds are transferred and/or the availability of your funds. You should review this agreement carefully. You may find it beneficial to compare these provisions to your existing Agreement. The revised Membership Account Agreement and Disclosures shall be effective on May 15, 2021 and your continued use of any Credit Union existing or new account(s) or services(s) after the effective date shall constitute your acceptance and agreement to the revised and new terms.