USA PATRIOT ACT POLICY

To help the government help the funding of terrorism, and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you, when you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you.  We will also ask to see your driver's license, state ID, or company ID.

The credit union can not accept post office boxes for address except for truck drivers and military.

The credit union will keep descriptions, rather than copies of records used to verify identities.  It will be noted on membership cards.

The credit union will verify new members by consulting a government designated list of list of terrorists within a reasonable period of time.

As the post office does its own background check before hiring employees, our focus needs to be on family members.

New members will be apprised of these verification procedures at the time of opening their account.

If the Credit Union feels it can not form a reasonable belief that it knows the customer's true identity the credit union will deny membership to that individual.

If the Credit Union attempts to verify a customers identity and cannot do so the account will be closed within a thirty day period, and a suspicious acitivity report will be filed in accordance with applicable law and regulation.

The Credit Union will verify the identity of the individual who opens an account for anyone who lacks legal capacity such as a minor, or an entity that is not a legal person such as a club organization account.