Insured by the NCUA (National Credit Union Administration, an agency of the U.S. Government.). Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
An Equal Housing Lender. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
An Equal Opportunity Lender. We do not discriminate on the basis of race, color, national origin, religion, sex, marital status, age, income from public assistance or if you exercise a right under the Consumer Credit Protection Act.
An Equal Opportunity Employer M/F/D/V.
Effective August 15, 2010, due to regulatory changes Ent will not authorize and pay overdrafts (Courtesy Pay) for ATM Transactions and everyday Debit Card Transactions unless you opt-in. If you decide not to "opt-in" on your ATM/Debit card, transactions with your ATM/Debit card that overdraw your account will be declined after August 15, 2010. Learn more (29k pdf) about this regulatory change.
Effective January 1, 2010, the processing of stop payments regarding ACH presented items has changed. A stop payment order will remain in effect until the earlier of (1) the withdrawal of the stop payment order by the account owner(s), or (2) the return of a single debit entry or if applied to a specific originator, the return of all debit entries. If a check is presented electronically as an ACH item, the item will be returned as a stop payment. Should the payee submit the check as a prearranged ACH debit it may be processed. A Written Statement Under Penalty of Perjury form must be completed to recover these funds.
Per the Fair and Accurate Credit Transaction Act of 2003 (FACT Act) the credit union may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.
Beginning August 1, 2009 Ent will offer members a 6-month My Savings Builder Certificate. This certificate has an initial term of six months and requires at least one monthly automatic transfer deposit of $5.00 or more be made to the certificate until it attains an account balance of one thousand dollars ($1,000.00). The certificate will continue to automatically renew every six months under the current published dividend rate and terms until the account balance exceeds one thousand dollars ($1,000.00), at which time, the certificate will be immediately converted to the dividend rate and terms of a non-promotional regular six month certificate.
If monthly automatic transfer deposits of at least $5.00 do not occur, then the account will convert to the dividend rate and terms of a non-promotional regular six month certificate at the beginning of the next calendar month. If deposits or transfers to the account exceed a total of one thousand ($1,000.00), then the account will be immediately converted to the dividend rate and terms of a non-promotional regular six month certificate. This type of certificate is limited to one per member.
Effective January 1, 2009, Ent Visa® Debit Cards have been enabled to accept non-Visa debit transaction processing that does not require PIN authentication in certain cases. Card networks that Ent partners with to handle such transactions are the STAR and AFFN networks. Examples of non-PIN authenticated transactions may include recurring bill payment transactions from utility or cable companies. As a cardholder you should know that such transactions will be excluded from Visa related benefits such as zero liability fraud protection and potentially could be excluded from Visa sponsored point reward programs.
Important Information About Procedures for Opening a New Account
To help the government fight 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 may also ask to see your driver's license or other identifyinging documents.
Thank you for your understanding.
Please Note: In order to view and accept disclosures, you will need to install
Check 21 - Substitute Checks and Your RightsA substitute check defined.
To make check processing faster, federal law permits financial institutions to replace original checks with "substitute checks." These checks are similar in size to original checks with a slightly reduced image of the front and back of the
original check.The front of a substitute check states: "This is a legal copy of your check.You can use it the same way you would use the original check." You may use a substitute check as proof of payment just like the original check.
Some or all of the checks that you receive back from us may be substitute checks.This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to
electronic debits to your account. However, you have rights under other law with respect to those transactions.
Your rights regarding substitute checks.
In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or we withdrew money from your account more
than once for the same check).The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, nonsufficient fund fees).
The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less.You also are entitled to dividends on the amount of your refund if your account is a dividend bearing
account. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law.
If you use this procedure, you may receive the amount of your refund up to $2,500 plus dividends within 10 business days after we received your claim and the remainder of your refund plus dividends not later than 45 calendar days after
we received your claim.We may reverse the refund, including any dividends on the refund, if we are later able to demonstrate that the substitute check was correctly posted to your account.
Claim for a refund
If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your account, please contact Ent, P.O. Box 15819, Colorado Springs, CO 80935-5819, (719) 574-1110 or 800-525-9623 .You must contact us
within 40 calendar days of the date that we mailed or provided the substitute check in question or the account statement showing that the substitute check was posted to your account, whichever is later.We will extend this time
period if you were not able to make a timely claim because of extraordinary circumstances.Your claim must include: a description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect); an estimate
of the amount of your loss; an explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and a copy of the substitute check or information to help us identify the substitute check: for
example, the check number, the name of the person to whom you wrote the check, or the amount of the check.
Third party website links will launch you to a website that is not controlled or owned by Ent. Ent does not contribute to the content displayed on these websites and does not legally endorse services or represent you or the third party in
transactions conducted via theese linked websites. Please be aware that information security and privacy policies may differ from those practiced by Ent.
Consumer (Regulatory) Information
Third party website links will launch you to a website that is not controlled or owned by Ent. Ent does not contribute to the content displayed on these websites and does not legally endorse services or represent you or the third party in
transactions conducted via theese linked websites. Please be aware that information security and privacy policies may differ from those practiced by Ent.