Home Access 24
|The Lending Company|
|The Lending Company has partnered with Desert Medical Federal Credit Union. You can apply online (on the Home page please click on the bottom right side icon and complete and online application). They have qualified Loan Officers available to help your needs.|
|Sign up for e-Statements|
|To Sign up for e-Statements just click on the e-statements image; then click on the services button,login and select the Change e-statement option link. By changing your e-statement option you will opt-out of receiving a paper statement in the mail. Each month you will receive an e-mail notifying you that your statement is available online through our website. Sign up instructions will be posted when available.|
|24 Hour Access-NEW SECURITY PROTECTION|
|Call 24 allows you easy access to your account any time day or night,7 days a week. You can use Call 24 from any touch-tone telephone. All you need is your account number and personal identification number (PIN). Please follow the new security log on procedures effective immediately.|
|NEW SHARE DRAFT AGREEMENT WITH OVERDRAFT PROTECTION|
|SHARE DRAFT AGREEMENT WITH OVERDRAFT |
LOAN OR SHARE TRANSFER CLAUSE
Effective October 31, 2006 Desert Medical Federal Credit Union has discontinued the Overdraft Advance service that began February 14, 2006.*
The Credit Union is under NO OBLIGATION to pay a share draft which exceeds the balance in the share draft account. However, the following option is open to you if you wish to participate.
In the event I/we write a share draft which would result in my/our share draft account being overdrawn, and if at that time I/we are eligible to receive advance from a line of credit, that share draft shall be deemed to be a request to the Credit Union for an advance under the Line of Credit ($100.00 increments) sufficient to permit the credit union to honor such draft and credit the advance to the share draft account. An overdraft may also be withdrawn from any other share account on which I/we are entitled to withdraw shares
This addendum is incorporated into and becomes part of your LOANLINER Credit Agreement. Please keep this attached to your LOANLINER Credit Agreement.
DESCRIPTION RATE ANNUAL
Line of Credit/Signature
Payment: The amount and due date will be disclosed at the time of advance.
Collection Costs: You agree to pay all cost of collecting the amount you owe under the Agreement, including court costs and reasonable attorney fees.
Late Charges: Payment received more than 10 days past due will pay 5.0% of the payment, not to exceed $20.00.
(IN ORDER TO QUALIFY FOR THE OVERDRAFT LINE OF CREDIT YOU NEED TO STOP BY EITHER ONE OF OUR BRANCH LOCATIONS TO QUAILFY AND SIGN A LINE OF CREDIT AGREEMENT)
*Desert Medical Federal Credit Union has the right to discontinue the program
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