Disclosures

• Member Service Agreement
• Our Rates & Services Charges - Truth in Savings
• Mobile Banking Agreement and Disclosure
• Electronic Funds Transfer Terms
• Funds Availability for Member Accounts
• Business Service Agreement
• Business Electronic Funds Transfer Terms
• Funds Availability for Business Accounts
• Your Federally Insured Funds
• eSign Consent Notice
• Insufficient Funds and Overdrafts - Courtesy Pay

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U.S.A. Patriot Act Notice

Important Information About Opening An Account:

To help the government fight the funding of terrorism and money laundering activities, the U.S.A. Patriot Act 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 or change an account, we will ask for your name, physical address, date of birth, taxpayer identification number, and other information that will allow us to identify you. We will ask to see your driver’s license or other identifying documents.

Important Information About Opening A Business Legal Entity Account:

Effective May 11, 2018, we are required to ask for the name, address, date of birth, social security number, and other information that will allow us to identify the beneficial owner(s) and control owner for each legal entity account. You will be required to certify that this information is true and accurate to the best of your knowledge. We will let you know if we need any additional information. 

Each time an account is opened for a covered Legal Entity, we are required to ask you for identifying information (name, address, date of birth, social security number as well as identification documents) for:

• Each individual that has beneficial ownership (25% or more); and,

• One individual that has significant managerial control, of the Legal Entity.

If you are opening an account on behalf of a Legal Entity, you will be required to provide the appropriate documentation and to certify that this information is true and accurate to the best of your knowledge.

Third Party Site Disclosure

Please be advised that you are leaving Missouri Valley Federal Credit Union's website. This link is provided as a courtesy. Missouri Valley Federal Credit Union does not endorse or control the content of third party websites

Partner Third Party Site Disclosure

The link you clicked will take you to one of our partner websites. We don't control the content of our partner sites. Please review their Privacy Policy as it may differ from our Privacy Policy. We hope you found the information you were looking for from Missouri Valley Federal Credit Union.

Minor Information

Our online services are not intended for children under 13. We do not knowingly collect personal information from children under 13 without parental consent. Missouri Valley Federal Credit Union recognizes that protecting children’s identities and privacy on-line is important, and the responsibility to do so, rests with both online industry and parents. Due to the requirement that all online accounts have an email address associated with them, we are aware that accounts for minors may have active email addresses for the minor or the custodian. Missouri Valley Federal Credit Union emails in general never solicit personal or financial information.

Texting Service

Terms and Conditions for Use of Texting Service

Message and data rates may apply. Enrollment is not required to be a member or apply for products or services. Messages are sent by auto dialer to this mobile #. Promotional texts may be sent as frequently as weekly. Cancel Text Messaging at any time, just text "STOP" to 74994. After you text "STOP" to us, we will send you a message confirming you are unsubscribed. After this, you will no longer receive text messages from us. 

For your added security, Missouri Valley Federal Credit Union will never ask for specific account information via text message. Please contact our Member Solutions Department if you have any questions or concerns about text messages or other communications you receive from the Credit Union.

Information you receive in a response text through Two-Way Text Messaging does not amend, supplement, change or replace any other notice or information you may receive from us in connection with your accounts. Depending on your wireless carrier, delays in sending and receiving text messages may occur. The Credit Union is not responsible or liable for any transmission delays, including erroneously or non-delivered messages.

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