Electronic Funds Transfer Agreement
Office Hours
Location
Telephone Numbers
Holiday Schedule
Personnel and Extensions
General Information
OCCU Funds Availability Policy
Fee Schedule August 2006
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Office Hours:

• Mon-Wed, Fri 8:30 am to 5 pm
• Thu 10 am to 5 pm

Location:

2525 Cherry Ave
Suite 100
Signal Hill, CA 90755

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MAILING ADDRESS:
PO Box 92439
Long Beach, CA 90809

Telephone Numbers:

Voice (562) 426-8838
California Only (800) 544-8011
Fax (562) 490-0958
Matey (800) 348-8279

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2008 Holiday Schedule

Jan 21

Feb 12

Feb 18

May 26

July 4

Sep 1

Oct 13

Nov 11

Nov 27

Nov 28

Dec 24 close @ 1pm

Dec 25

Dec 31 close @ 1pm

This 2008 Holiday Schedule is subject to change

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OUTSIDE SALES

Personnel Telephone Extensions

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OCCU Funds Availability Policy

This Disclosure describes your ability to withdraw funds at Ocean Crest Credit Union.

The Credit Union’s policy applies to funds deposited in your checking and share/savings accounts.

1. General Policy – Our policy is to make funds from your cash and check deposits available to you on the same business day that 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 and we will use the funds to pay checks that you have written. 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 3:30 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 3:30 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.

2. Reservation of Right to Hold  - In some cases, we will not make all the funds that you deposit by check available to you on the same business day that we receive your deposit. Depending on the type of check that you deposit, funds may not be available until the fifth business day after the day of your deposit. However, the first $100.00 of your deposit will be available on the first business day after the day of your deposit. If we are not going to make all the funds from your deposit available on the same business day, 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 action after you have left the premises, we will mail you the notice by the next 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.

3. Holds on Other Funds – If we cash a check for you that is drawn on another financial institution, we may withhold the availability of a corresponding amount of funds that are already in your account. 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 financial institution, 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 another account with us. The funds in the other 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.

4. Longer Delays May Apply – We may delay your ability to withdraw funds deposited by checks into your account an addition number of days for these reasons:

• We have received notice that the check you deposited has been or will be dishonored.
• We reasonably believe that the check you deposited will not be paid because of fraud, kiting, bankruptcy or insolvency.
• The check is mutilated or improperly encoded.
• The check is drawn in a face amount in excess of $2500.00
• You have overdrawn your account repeatedly in the last six (6) months.
• There is an emergency, such as failure of communications or other circumstances beyond our control.

For our California members, under rules established by the Federal Reserve Board, we may apply any of the California state exceptions and place a hold on a deposited item only where the availability schedule is shorter that the federal availability schedule for that item. In this case, the hold may extend up to the federal availability schedule limit for that type of deposit. Once the federal availability schedule limit is reached, we may further extend the hold under any federal exceptions that apply to the deposit. In some circumstances, we may apply the federal exceptions for our California members to place a hold on a deposited item.

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 that the eleventh business day after the day of your deposit.

5. Special Rules for New Accounts – If you are a new member, the following special rules will apply during the first thirty (30) days your account is open.

Funds from electronic direct deposits to 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 next 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. Funds from all other check deposits will be available on the ninth business day after the day of your deposit.

6. Deposits At Nonproprietary ATMs – Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we do not own or operate will not be available until the fifth business day after the date of your deposit. This rule does not apply at ATMs that we own or operate. All ATMs that we own or operate are identified as our machines.

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General Information

Personnel

Our Policy on Confidentiality

Click here to see the MICROSOFT WORD - USA PATRIOT ACT documentation

We Respect Your Privacy

Privacy is fundamental to the American way of life. When you provide personal information in order to process your transaction, you fully expect your data to be used only for its intended purpose and to be kept confidential.

We respect your right to confidentiality and take every possible measure to ensure that your personal information remains personal.

In short, we work hard to earn your confidence and preserve your trust.

We value your membership and hope you will remain with us for many years to come. If you ever have questions or concerns about the integrity of your account information - or any aspect of our membership operations - please don't hesitate to telephone or come in to talk to our staff.

This privacy disclosure is being issued to comply with the provisions of the Gramm-Leach-Bliley Act governing the privacy of consumer financial information.

Our Privacy Disclosure Policy

We have never shared nonpublic personal information except as required by law and we hope we will continue to protect your privacy.

Categories of Information That We May Collect

We collect nonpublic personal information about you from the following sources:

1. Information we receive from you on applications or other forms, such as: your name, address, social security number, assets, and income.
2. Information about your transactions with us, our affiliates, or others, such as: your account balance, payment history, parties to transactions, and credit card usage.
3. Information we receive from a consumer reporting agency, such as: your creditworthiness and credit history.
4. Categories of Information That We Disclose

We do not disclose any nonpublic personal information about our members or former members to anyone, except as required by law.

Disclosure As Permitted By Law

We may disclose all of the information we collect, as described above to service providers and companies that perform marketing services on our behalf (for example - check printing companies).

Confidentiality and Security

We restrict access to nonpublic personal information about you to those employees who need to know that informatiion to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

Ocean Crest Credit Union
2525 Cherry Ave
Suite 100
Signal Hill, CA 90755

MAILING ADDRESS:
PO Box 92439
Long Beach, CA 90809

562-426-8838

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