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Taleris Credit Union Checking Account Change Request

Member Account Number

Member First Name	Initial	Last Name

Classic

Basic
Requires Direct Deposit to Checking

Please Change My Checking Account Type To:

X

NOTE: Please allow 2 to 3 weeks for the account type change to become effective. If you are requesting a change from Classic to Basic Checking, it may take one full billing cycle for the Classic Checking Account monthly fee to be removed from your account.

Member Signature	Date

PRINT, SIGN AND RETURN THIS FORM TO:
Taleris Credit Union • Att. Member Services • P.O. BOX 318072   • Cleveland, OH 44131-8072 or FAX the signed form to: 216.739.1000

Basic Checking Account
Rate Information. This is a non-interest bearing account.
Minimum Account Opening/ Balance Requirements. There is no minimum balance re- quirement to open this account once the affiliated Primary Savings Account is opened. However, a direct deposit to this account must begin within the first 60 days this ac- count is open. A direct deposit must be made at least monthly for the entire time the account is open. If a direct deposit is not made during a monthly statement period, at month end the account type will change and the account will be considered a Clas- sic Checking Account with the account requirements and fee schedule for a Classic Checking Account.
Fees and Charges. Refer to the current “Schedule of Service Charges” for fees associ- ated with this account. Member Balance Guardian (MBG) overdraft fees will be imposed for overdrafts created by any transaction other than ATM withdrawal, teller 24e, or Au- dio Account Access (these transactions are not eligible for the Member Balance guardian program.
Transaction Limitations. Withdrawals from your Checking Account are limited to the amount of available funds in your account on the day that we receive the drafts (checks).
Cash withdrawals from ATMs are limited to a maximum of $250.00 of the available funds per day.
The maximum Point-of-Sale purchase is $1,000.00 of the available funds per day.
Bylaw Requirement. You must complete the purchase of at least one share in this Credit Union as a condition of membership.
American Share Insurance. All accounts are insured to $250,000 by ASI (American Share Insurance) a private, member-owned insurer. This institution is not federally insured, and if the institution fails, the Federal Government does not guarantee that depositors will get back their money. MEMBERS’ ACCOUNTS ARE NOT INSURED OR GUARANTEED BY ANY GOVERNMENT OR GOVERNMENT SPONSORED AGENCY.

Classic Checking Account
Rate Information. The dividend rate and Annual Percentage Yield may change every month. We may change the dividend rate for your account as determined by Taleris Credit Union, Inc.’s Board of Directors. Current rates are available by calling 216.739.2300 or 800.828.6446, (listen to directions), or by visiting our website: www.taleriscu.org.
Compounding and Crediting. Dividends will be compounded quarterly and will be cred- ited to your account quarterly.
Dividend Period. For this account type, the dividend period is quarterly. For example, the beginning date of the first dividend period of the calendar year is January 1, and the end- ing date of such dividend period is March 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period, and for the example above, is March 31.
If you close your Checking Account before dividends are paid, you will not receive the accrued dividends.
Minimum Account Opening/Balance Requirements. There is no minimum balance re- quirement to open this account once the affiliated Primary Savings Account is opened. This is a tiered rate account. You must maintain at least the minimum daily balance of the tier for the dividends to accrue for that day and to earn the disclosed Annual Percentage Yield.
Balance Computation Method. Dividends are calculated using the daily balance method. The daily balance method applies a periodic rate to the daily balance in the account for the period. A table is provided at the time of account opening.
Accrual of Dividends on Non-cash Deposits. Dividends will begin to accrue on the busi- ness day you place non-cash items (for example, checks) into your account.
Fees and Charges. Refer to the current “Schedule of Service Charges” for fees associated with this account. Member Balance Guardian (MBG) overdraft fees will be imposed for overdrafts created by any transaction other than ATM withdrawal, teller 24e, or Audio Account Access (these transactions are not eligible for the Member Balance Guardian program.
Transaction Limitations. Withdrawals from your Checking Account are limited to the amount of available funds in your account on the day that we receive the drafts (checks).
Cash withdrawals from ATMs are limited to a maximum of $250.00 of the available funds per day.
The maximum Point-of-Sale purchase is $1,000.00 of the available funds per day.
Nature of Dividends. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of the dividend period.
Bylaw Requirement. You must complete the purchase of at least one share in this Credit Union as a condition of membership.
American Share Insurance. All accounts are insured to $250,000 by ASI (American Share Insurance) a private, member-owned insurer. This institution is not federally insured, and if the institution fails, the Federal Government does not guarantee that depositors will get back their money. MEMBERS’ ACCOUNTS ARE NOT INSURED OR GUARANTEED BY ANY GOVERNMENT OR GOVERNMENT SPONSORED AGENCY.

  

YOUR SAVINGS INSURED TO $250,000 PER ACCOUNT. This institution is not federally insured, and if the institution fails, the Federal Government does not guarantee that depositors will get back their money. MEMBERS’ACCOUNTS ARE NOT INSURED OR GUARANTEED BY ANY
^GOVERNMENT ^OR ^GOVERNMENT-SPONSORED ^AGENCY.	MS0.098	08/19/19