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Sun Country Privacy Policy

Sun Country Credit Union is committed to protecting our members' privacy. We adhere to a strict consumer information privacy policy, which includes the following key provisions:

Data Collection

Sun Country will collect, retain and use information about individual members only where it would be useful (and allowed by law) to administer business and to provide products, services and other opportunities for its members. We collect nonpublic information about our members from the following sources:

1. Information we receive from membership applications, loan applications or other forms completed by members.

2. Information about member transactions with us or others, such as account balance, payment history and credit card usage.

3. Information we receive from consumer reporting agency, such as credit history.

4. Information obtained while verifying the information provided on applications.

Data Disclosure

Only the credit union and those acting under our written consent will have access to any member information. To protect our members' privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not permit these companies to sell the member information we provide to other third parties. Sun Country may disclose information we collect to unaffiliated companies or entities. This might occur in the following circumstances:

1. Third party service providers, such as check printers and ATM Networks.

2. Marketing services, to enable third parties to offer their services to our members, such as car sales, accidental death and dismemberment insurance or buying services. To choose not to participate in this area, members can Opt-Out by phoning the credit union office at 623-546-5018 or 800-937-9322 or by email request to info@suncountry.org.

3. Credit Reporting Agencies, such as Chex Systems.

4. Legal requirements, such as subpoenas or court orders.

In order to conduct the business of the credit union, we may disclose nonpublic personal information of members under other circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of our credit union, follow a member's instructions as authorized, or protect the security of our financial records.

Web Site Privacy

Through our web site, we strive to provide valuable information about our products and services. We do not gather, collect, or maintain any information about web site visitors that identify them as an individual except for such services as members make information available to us. These services include PC Express Teller, our on line account access service, loan applications, account applications and service request forms.

We gather only information that is necessary to process the member's request and we maintain the information in the strictest of confidence.

In other cases we collect general data about users of our site for statistical purposes only. This data is viewed only in total, and is not personally identifying. For example, we collect data on the time of day and the day of the week that visitors access our site and which pages are visited. This information enables us to tell which areas of the site are being used, what is not being used and when peak usage occurs. This allows us to design the site to better serve our members.

Child Privacy

Sun Country Credit Union does not knowingly solicit or collect data from children and does not knowingly market to children via the Internet. We recognize the importance of protecting childrens' identities, and acknowledge the responsibility lies with us and with the childrens' parents or guardians.

How We Protect Member Information

Sun Country restricts access to nonpublic personal information of members to those employees with a business reason for knowing such information. Our employees are trained in the importance of maintaining confidentiality and member privacy.

We maintain physical, electronic and procedural safeguards that comply with federal regulations and leading industry practices to safeguard nonpublic personal information.

Statements of Terms, Conditions and Disclosures

GENERAL

This Agreement contains the rules, terms, and conditions that apply to accounts held at this credit union. Please read this Agreement carefully; your continued use of your account(s) with us after you receive this information means you understand this is a contract and agree to be bound by its terms.

A credit union is a financial institution created by its members, for the purpose of serving its members. Much of our relationship with you is controlled by state and federal law, as well as our own bylaws and amendments to our bylaws. By agreement, our relationship is also controlled by the Uniform Commercial Code as enacted in this state where we are located. This Agreement supplements any account agreement you have with us.

We may permit some variations from this Agreement, but any variation must be agreed to in writing. In this Agreement, the word "we", "us" and "our" means the credit union and the word "you" and "yours" means the account holder(s) or anyone who signs a Membership Application. The word "account" means any one or more share or other accounts you have with the credit union. You should retain a copy of this Disclosure information and any information that the Credit Union provides you regarding changes to this Disclosure information for as long as your account is open. You should ask the Credit Union any questions you have about this Disclosure information.

Membership

A one time membership fee is required to open an account and establish membership in Sun Country Credit Union. You authorize the Credit Union to check your account, credit and employment history, including obtaining a report from a consumer reporting agency, to verify your eligibility for membership, accounts and services.

A membership saving account with the Credit Union must be maintained in order to continue membership and to be eligible for any other Credit Union services.

Deposit Insurance

Deposit insurance through the National Credit Union Administration (NCUA), an agency of the Federal government, is provided up to the maximum of $100,000 aggregate on all accounts in any one member's name. Additional insurance up to a $100,000 maximum is provided for all IRA accounts in any one member's name, as well as certain joint, payable on death and fiduciary accounts.

Payment of Dividends

Except for share certificates, dividends are based on the Credit Union's earnings at the end of a dividend period after regulatory transfers to the reserves are made and thus cannot be guaranteed. A lower effective yield may result depending upon account activity or the amount of funds upon which dividends will be paid. Share disclosures further explain the dividend features.

Transaction Limitations

The Credit Union Board of Directors shall have the right to require members to give, in writing, not less than 7 and not more than 60 days notice of intention to withdraw the whole or any part of the amounts so paid in by them. Funds in checking accounts may be withdrawn with notice.

Fees and Charges

The savings and/or checking account will be subject to service charges in accordance with the Fee Schedule adopted by the Credit Union from time to time.

Inactive and Abandoned Accounts

If a member's aggregate balance falls below $500.00 and there has not been monetary activity on the account, such as withdrawals from, deposits to, or loan transactions for one (1) year, the member will be subject to an inactive account status and applicable fees. Unless there is activity, Inactive Fees will be charged to the member's account as specified in the Fee Schedule. Inactive account fees are not refundable.

Members under the age of 16 will be exempt from this fee. If there is no activity on a member's account for five (5) years, the Credit Union will notify the member by mail that the account has been presumed to be abandoned. If there is no contact with the member by the prescribed time, the account will be deemed abandoned and the funds will be turned over to the state of Arizona as in accordance with state law.

Once funds have been turned over to the state, the Credit Union has no further liability to the member of the funds, and if the member wishes to reclaim such funds, the member must apply to the Arizona State Department of Revenue.

Credit Union Lien and Right of Set Off

The Credit Union has a lien provided by law on all your deposit accounts at the Credit Union. Additionally, you agree that the Credit Union also has the right to set off amounts you owe the Credit Union, to the full extent permitted by law. You waive any applicable notice with respect to any such set off.

Change of Address/Notices

It is the member's responsibility to notify the Credit Union upon a change of address or change of name. The Credit Union is only required to attempt to communicate with the member at the most recent address provided by the member. Notice to any one owner of an account is notice to all owners of that account. The Credit Union requires the notice of change by provided in writing. Failure to notify the Credit Union of an address change can result in an address locator fee.

Truth in Savings Disclosure Terms & Conditions Applying to Membership Share (Savings) Accounts

Rate Information:

The dividend rate and annual percentage yield may change every dividend period. We may change the dividend rate for your account as determined by the credit union board of directors.

Compounding and crediting - Dividends will be compounded every quarter.

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 ending 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 account before dividends are paid, you will not receive the accrued dividends.

Average daily balance computation method - Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period.

The period we use is the calendar quarter. Accrual of dividends on noncash deposits - Dividends will begin to accrue on the business day you place noncash items (for example, checks) to your account.

Membership Share Accounts

A membership share account must be maintained in order to continue membership and be eligible for any other credit union services.

Minimum balance requirements: You must maintain the minimum average daily balance in your account to obtain the disclosed annual percentage yield. See the rate disclosure for the minimum balance.

Transaction limitations: Maximum 8 withdrawals per quarter.

Fees and charges: An excessive withdrawal fee will be charged for each withdrawal out of this account in excess of eight during a quarter.

Cookie Jar Accounts

This is an account to save money for any special purpose (Christmas, Vacation, Insurance, Taxes, etc.)

Minimum balance requirements: See the rate disclosure for the minimum balance.

Transaction limitations: Maximum 2 withdrawals per year.
Fee and charges: An excessive withdrawal fee will be charged on each withdrawal over 2 per year.

Individual Retirement Account

In addition to the terms contained in this Disclosure please consult your IRA Plan Agreement for additional terms that apply to your account. If there are any contradictory terms between this Disclosure and your IRA Plan Agreement, your plan Agreement controls.

Minimum balance requirements: You must maintain the minimum average daily balance in your account to obtain the disclosed annual percentage yield. See the rate disclosure for the minimum balance.

Transaction limitations: You may not make any withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer, telephonic order or instruction, or similar order to a third party. All withdrawal requests must be in writing.

There are no Credit Union penalties for withdrawals from IRA Savings Accounts; however, all IRS penalties and requirements apply.

Terms & Conditions Applying to Share Certificates

Compounding frequency - Unless otherwise paid, dividends will be compounded every quarter. Crediting frequency - Dividends will be credited to your account every quarter. Alternatively, you may choose to have dividends paid to you or to another account every quarter rather than credited to this account.

Dividend period - For this account type, the dividend period is quarterly.

Minimum balance requirements:You must maintain the minimum average daily balance in your account to obtain the disclosed annual percentage yield. See the rate disclosure for the minimum balance.

Average daily balance computation method - Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the calendar quarter.

Accrual of dividends on noncash deposits - Dividends will begin to accrue on the business day you place noncash items (for example, checks) to your account.

Transaction limitations: After the account is opened, you may not make additions into the account until the maturity date stated on the account.

You may make withdrawals of principal from your account before maturity. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty.

You can only withdraw dividends credited in the term before maturity of that term without penalty. You can withdraw dividends anytime during the term of crediting after they are credited to your account.

Early withdrawal penalties: A penalty may be imposed for withdrawals before maturity.

If your account has an original maturity of six months: The penalty we may impose will equal 30 days dividends on the amount withdrawn subject to penalty.

If your account has an original maturity of one year or more:
The penalty we may impose will equal 90 days dividends on the amount withdrawn subject to penalty.

There are certain circumstances, such as the death or incompetence of an owner, where we may waive or reduce this penalty. See your plan disclosure if this account is part of an IRA or other tax qualified plan. Withdrawal of dividends prior to maturity - The annual percentage yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings.

Automatically renewable account - This account will automatically renew at maturity. You may prevent renewal if you notify us of your intention not to renew before maturity (or within the grace period mentioned below, if any) or you withdraw the funds in the account at maturity (or within the grace period mentioned below, if any). We can prevent renewal if we mail notice to you at least 30 calendar days before maturity. If either you or we prevent renewal, dividends will not accrue after final maturity.

Each renewal term will be the same as the original term, beginning on the maturity date. The divided rate will be the same we offer on new term share accounts on the maturity date which have the same term, minimum balance (if any) and other features as the original term share account.

You will have a grace period of ten calendar days after maturity to withdraw the funds without being charged an early withdrawal penalty.

Jumbo Certificates

Compounding frequency - Unless otherwise paid, dividends will be compounded every month.

Crediting frequency - Dividends will be credited to your account every month. Alternatively, you may choose to have dividends paid to you or to another account every month rather than credited to this account.

Dividend period - For this account type, the dividend period is monthly.

Minimum balance requirements: You must maintain the minimum average daily balance in your account to obtain the disclosed annual percentage yield. See rate disclosure for minimum balance.

Average daily balance computation method - Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the calendar month.

Accrual of dividends on noncash deposits - Dividends will begin to accrue on the business day you place noncash items (for example, checks) to your account.

Transaction limitations: After the account is opened, you may not make additions into the account until the maturity date stated on the account.

You may make withdrawals of principal from your account before maturity. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty.

You can only withdraw dividends credited in the term before maturity of that term without penalty. You can withdraw dividends anytime during the term of crediting after they are credited to your account.

Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity):

If your account has an original maturity of six months: The penalty we may impose will equal 30 days dividends on the amount withdrawn subject to penalty.

If your account has an original maturity of one year or more: The penalty we may impose will equal 90 days dividends on the amount withdrawn subject to penalty.

There are certain circumstances, such as the death or incompetence of an owner, where we may waive or reduce this penalty. See your plan disclosure if this account is part of an IRA or other tax qualified plan.

Withdrawal of dividends prior to maturity - The annual percentage yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings.

Automatically renewable account - This account will automatically renew at maturity. You may prevent renewal if you notify us of your intention not to renew before maturity (or within the grace period mentioned below, if any) or you withdraw the funds in the account at maturity (or within the grace period mentioned below, if any).

We can prevent renewal if we mail notice to you at least 30 calendar days before maturity. If either you or we prevent renewal, dividends will not accrue after final maturity.

Each renewal term will be the same as the original term, beginning on the maturity date. The divided rate will be the same we offer on new term share accounts on the maturity date which have the same term, minimum balance (if any) and other features as the original term share account.

You will have a grace period of ten calendar days after maturity to withdraw the funds without being charged an early withdrawal penalty.

Terms & Conditions Applying to a Money Market Account

Rate Information: The dividend rate and annual percentage yield may change every dividend period. We may change the dividend rate for your account as determined by the credit union board of directors.

Compounding and crediting - Dividends will be compounded every month.

Dividend period - For this account type, the dividend period is monthly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 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 January 31.

If you close your account before dividends are paid, you will not receive the accrued dividends.

Minimum balance requirements: You must maintain the minimum daily balance in your account to avoid a below minimum balance fee. If, during any month, your account balance falls below the required minimum daily balance, your account will be subject to a below minimum balance fee of $10.00 for that month. See rate disclosure for minimum balance. You must maintain the minimum average daily balance in your account to obtain the disclosed annual percentage yield.

Average daily balance computation method - Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the calendar month.

Accrual of dividends on noncash deposits - Dividends will begin to accrue on the business day you place noncash items (for example, checks) to your account.

Transaction limitations: During any month, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer or telephonic order or instruction. No more than three of the six transfers may be made by check, draft, or similar order to a third party. If you exceed the transfer limitations set forth above, your account will be subject to an excess withdrawal fee of $10.00 per check.

Terms & Conditions Applying to Share Draft (Checking) Accounts

Rate Information: The dividend rate and annual percentage yield may change every dividend period. We may change the dividend rate for your account as determined by the credit union board of directors.

Compounding and crediting - Dividends will be compounded every month. Dividends will be credited to your account every month.

Dividend period - For this account type, the dividend period is monthly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 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 January 31. If you close your account before dividends are paid, you will not receive the accrued dividends.

Minimum balance requirements: You must maintain minimum daily balance in your account to obtain the disclosed annual percentage yield. See rate disclosure for minimum balance.

Average daily balance computation method - Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle.

Accrual of dividends on noncash deposits - Dividends will begin to accrue on the business day you place noncash items (for example, checks) to your account.

Transaction limitations: Unlimited Check Writing.

Fees and charges: No monthly fee with: Direct Deposit to checking, or $300 minimum balance in checking, or $2,500 balance combined in all share accounts under the same member number. If you choose not to meet any of the minimum requirements, then a small monthly fee will be charged to your account.

Additional Information Pertaining to this Account

A checking account may be closed by the Credit Union due to excessive returned checks due to insufficient funds, negative balances, delinquent loans, abuse of the VISA® Debit Card or ATM Cash Card, or any other abuse of the checking account privilege.

The Credit Union is authorized to pay checks signed by any signer on the account and to charge the payments against the checking account or against the savings account or line of credit loan as authorized.

The Credit Union is under no obligation to pay an electronic debit or a check which exceeds the balance in the overdraft options of the checking account. The Credit Union has the right to withdraw funds from any account on which the member or joint owner is a signer in order to pay funds owed on checking or savings accounts, at any time and for any reason as allowed by law.

The Credit Union is under no obligation to pay a check on which the date is more than six (6) months old. The Credit Union is not liable for paying a check that the member has postdated.

Except for negligence, the Credit Union is not liable for any action it takes regarding the payment or non-payment of a check.
All members must notify the Credit Union within 30 days of the date the statement was mailed, any claim for credit or refund due for example (and without limitation) to either an erroneous debit, a missing signature, an authorized signature, or a material alteration. If you don't, the stated balance will be conclusively presumed to be correct.

Funds in the checking account may not be used as collateral for any loans.

Paid checks will not be returned, but will be stored. Originals will be available for a fee for 45 days. Copies will be available for a fee as long as records are retained. Records are retained for the time limit required by the Arizona Revised Statues.

The Credit Union may deny a checking account to any member because of unfavorable credit history and/or history of abuse of other checking accounts.

The Credit Union may pay or return any item that is drawn against nonsufficient funds. Any decision to return an item may be made without notice to you, even though the Credit Union may have previously established a pattern of honoring such items. Any negative account balance is immediately due and payable, unless the Credit Union agrees otherwise in writing.

You may stop payment on any of your checks, provided the Credit Union receives your stop payment order in writing two days prior to the check being presented for payment. At the time you place the stop payment you must have sufficient funds in the account to pay the check. The stop payment will remain in effect for six (6) months or until revoked by the account holder, whichever comes first.

Terms & Conditions Applying to the use of the VISA® Check Card or ATM Card

The VISA® check card may be used to make purchases and/ or cash advances at merchants who are part of the VISA®, or Explore® systems, using your Express checking balance.

The VISA® Check Card and the ATM card can be used to access your Express checking account or your member savings account through automated teller machines which are part of the STAR®, CIRRUS, VISA® Member Access or PLUS® network.

Cardholder(s) are liable to the Credit Union for payment made on checks or transactions made with the VISA® Check Card or ATM Card and for any lawful fees assessed against the account. The cardholder(s) will pay all costs incurred by the Credit Union to collect from the cardholder(s), including, but not limited to, attorney fees and court costs. The VISA® Check Card and/or the ATM Card is and remains, the property of the Credit Union, is not transferable by the cardholder(s), and must be returned to the Credit Union immediately upon request or when the account is closed. The Credit Union may terminate your card privileges at any time without notice to you.

Use of the VISA® Check Card or the account number on the card in an electronic terminal or for payments, or purchases or to obtain cash advances from merchants, financial institutions or others who honor the VISA®Check Card, is a request for withdrawal of funds from the checking account. Each VISA® Check Card withdrawal will be charged to the checking account.

The Credit Union is not liable for the refusal or inability of terminals or persons outside the Credit Union to honor the VISA® Check Card or the ATM Card, or to complete VISA® Check Card or ATM Card withdrawals, or for the retention of the VISA® Check Card or ATM Card by such terminals or persons.

VISA® Check Card transactions made in foreign countries and foreign currencies will be charged to the checking account in U.S. dollars. The conversion rate to dollars will be made in accordance with operating regulations for international transactions established by VISA® International, Inc., through whose facilities VISA® Check Card transactions are handled.

"NOTICE REGARDING ATM FEES BY OTHERS (a) If you use an automated teller machine that is not operated by us, you may be charged a fee by the operator of the machine and/or by an automated transfer network."

Terms & Conditions Applying to the use of the Express Teller (ET) and the Audio Response Teller System

If you contact the Credit Union by telephone and request a transaction which could have been performed by using ET or PC Express Teller the Credit Union may charge you a fee for a Phone Inquiry, as set forth in the Fee Schedule. The ET audio response system allows members to access account information through use of a touch tone telephone. The PC Express Teller service allows members to access account information through use of a personal computer. These two systems allow members to:

Access information on all credit union accounts.

Transfer money from and to savings and checking accounts on the same account number.

Transfer money from savings or checking to make loan payments on the same account number.

Make cash advances against approved line of credit and deposit funds into savings or checking.

Request a check withdrawal from savings or checking or request a check cash advance from an approved line of credit.

Change the Personal Identification Number (PIN) used to access ET and PC Express Teller.

Order checks

Place stop payments

Electronic Funds Transfers - Your Rights & Responsibilities

The Electronic Fund Transfers we are capable of handling are indicated below, some of which may not apply to your account. Please read this disclosure carefully because it tells you your rights and obligations for these transactions. You should keep this notice for future reference.

Direct deposits - You may make arrangements for certain direct deposits to be accepted into your checking accounts or share savings accounts.

Preauthorized withdrawals - You may make arrangements to pay certain recurring bills from your checking accounts or share savings accounts.

Express Teller (ET), or PC Express Teller transactions - type of transactions - You may access your account by telephone or with your computer using your personal identification number (PIN) and account number(s) to:

Transfer funds from checking accounts or share savings accounts to checking accounts or share savings accounts

Make payments from checking accounts or share savings accounts to checking accounts, share savings accounts or Loans

Get balance information about checking accounts, share savings accounts, line of credit, share certificates accounts or Loans

Get withdrawal history about checking accounts, share savings accounts or share certificates accounts

Get deposit history about checking accounts, share savings accounts or share certificates accounts

Get transaction history about checking accounts, share savings accounts, share certificates accounts or Loans

Transfer funds from checking accounts or share savings accounts to make VISA® payments.

You may access your account for telephone transactions at the following number(s): (623) 975-2100 and (800) 716-8517. You may call during the following hours: 24 hours, 7 days per week. Please also see the Limitations on frequency of transfers section regarding limitations that apply to telephone transactions.

ATM card transactions - types of transactions - You may access your account(s) by ATM using your ATM card and your personal identification number (PIN) to:

Deposit funds to checking accounts or share savings accounts

Withdraw cash from checking accounts or share savings accounts

Get balance information about checking accounts or share savings accounts

Transfer funds from checking accounts or share savings accounts to checking accounts or share savings accounts

Some of these services may not be available at all terminals. Please also see the Limitations on frequency of transfers section regarding limitations that apply to ATM transactions.

VISA® Check Card transactions / types of transactions - You may access your account(s) by ATM using your ATM/debit card and your personal identification number (PIN) (as applicable) to:

Get balance information about checking accounts or share savings accounts

Transfer funds from checking accounts or share savings accounts to checking accounts or share savings accounts

Deposit funds to checking accounts or share savings accounts

Withdraw cash from checking accounts or share savings accounts

Make purchases and/or cash advances at merchants who are part of the VISA® or Explore® systems.

Some of these services may not be available at all terminals. Please also see the Limitations on frequency of transfers section regarding limitations that apply to ATM transactions.

Please refer to the fee schedule for any fees associated with these transactions.

Right to Documentation

Terminal transfers - You can get a receipt at the time you make any transfer to or from your account using one of our automated teller machines or point-of-sale terminals.

Direct deposits - If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, you can call us at (623) 975-2100 or (800) 716-8517 to find out whether or not the deposit has been made.

Periodic statements - You will get a monthly account statement from us for your checking account(s).

You will get a monthly account statement from us for your Share Savings account(s), unless there are no transfers in a particular month. In any case, you will get a statement at least quarterly.

Stop Payment Procedures & Notice of Varying Amounts

Right to stop payment and procedure for doing so - If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here is how:

Call or write us at the telephone number or address listed in this disclosure in time for us to receive your request three business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call.

Error Resolution

In case of errors or questions about your electronic transfers, call or write us at the telephone number or address listed in this disclosure, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

1. Tell us your name and account number (if any).

2. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you bepeve it is an error or why you need more information.

3. Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will tell you the results of our investigation within 10 business days (20 business days if the transfer involved a point-of-sale transaction or a foreign initiated transfer) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a point-of-sale transaction or a foreign initiated transfer) to investigate your complaint or question. If we decide to do this we will recredit your account within 10 business days (20 business days if the transfer involved a point-of-sale transaction or a foreign initiated transfer) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or questions in writing and we do not receive it within 10 business days, we may not recredit your account. If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.

If you have inquiries regarding your account, please contact us at:

Sun Country Credit Union
19436 North R.H. Johnson Blvd.
Sun City West, AZ 85375
Phone: (623) 975-2100 or (800) 937-9322

BUSINESS DAYS: Monday through Friday excluding Federal Holidays
Other than the days and exclusions listed, we are also closed on the day after Thanksgiving.

Your Ability to Withdraw Funds at Sun Country Credit Union

This policy statement applies to transaction accounts. Transaction accounts, in general, are accounts which permit an unlimited number of payments to third persons and an unlimited number of telephone and preauthorized transfers to other accounts of yours with us. Checking accounts are the most common transaction accounts. Feel free to ask us whether any of your other accounts might also be under this policy.

Our policy is to make funds from your deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are available, you can withdraw the funds in cash and we will use the funds to pay checks that you have written.

Please remember that even after we have made funds available to you and you have withdrawn the funds you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit.

Determining the Availability of a Deposit

For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before 4:00 p.m. on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after 4:00 p.m. or on a day we are not open, we will consider that the deposit was made on the next business day we are open.

If we cash a check for you that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in one of your accounts. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it.

If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in any account with us. The funds in the account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited.

Longer Delays May Apply

In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the sixth business day after the day of your deposit. However, the first $100 of your deposits will be available on the first business day after we receive your deposit.

If we are not going to make all of the funds from your deposit available on the first business day after we receive your deposit, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the first business day after we receive your deposit.

If you will need the funds from a deposit right away, you should ask us when the funds will be available.

In addition, funds you deposit by check may be delayed for a longer period under the following circumstances:

We believe a check you deposit will not be paid.

You deposit checks totaling more than $5,000 on any one day.

You redeposit a check that has been returned unpaid.

You have overdrawn your account repeatedly in the last six months.

If there is an emergency, such as failure of communications or computer equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the eleventh business day after the day of your deposit.

Deposits at Automated Teller Machines

Funds from any deposits (cash or checks) made at Automated Teller Machines (ATMs) we do not own or operate will be made available on the second business day after the day of deposit. Deposits over $2,000 may be subject to a longer hold.

Special Rules for New Accounts

If you are a new member, the following special rules will apply during the first 30 days your account is open.

Funds from electronic direct deposits into your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,000 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,000 will be available on the ninth business day after the day of your deposit.

If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,000 will not be available until the second business day after the day of your deposit.