Important disclosures

• Important account information for our members:
  
  • Membership Service Agreement: The Membership Service Agreement covers your and our rights and responsibilities in relation to Account(s) offered to you by Ent Credit Union. See a summary of the changes here.
  • Truth-In-Savings: for savings, checking, health savings, money market savings, IRA savings and Coverdell education savings products.
  • Electronic Funds Transfers: details your rights and responsibilities under laws governing Electronic Fund Transfers (EFT) as they apply to your accounts at the credit union that are established primarily for personal, family or household purposes.

• Billing Rights Notice: The Billing Rights Notice pertains to open-end credit accounts only.
• Debit/ATM Card Disclosure: This is your agreement with Ent Credit Union regarding rights and responsibilities associated with obtaining an ATM Card or a Visa® Debit Card. 
• Deposit Availability Policy: When a deposit is made to your account, the funds may not be available immediately.
• Privacy Policy: What does Ent Credit Union do with your personal information?
• Children’s Privacy Pledge
• NCUA's "Your Insured Funds" brochure and NCUA Share Insurance Calculator
• Safe Box Agreement
• Wire Funds Transfer Agreement: Ent Credit Union Wire Funds Transfer Agreement and Notice.
• Electronic Services Disclosure and Agreement: Electronic services provided to you by Ent Credit Union are governed by government regulations which are discussed in this disclosure.
• Electronic Deposit Agreement: This Electronic Deposit Agreement governs Member’s use of Ent Credit Union’s Remote Deposit Services.
• Overdraft Options: Overdraft (Courtesy Pay) Coverage on Your Everyday Debit Card transactions.
• Consumer Product and Service Disclosures
• Fee Schedule: Fee Schedule for Savings and Checking Accounts, Safe Boxes, ATM and Visa Debit Card Transactions, Miscellaneous Transactions and Negotiable Items. We appreciate your choice of Ent Credit Union for your financial business.
• Certificate of Deposit Disclosure: Ent Credit Union Certificate of Deposit Terms and Agreement.
• Health Savings Debit Card Disclosure: This is your agreement with Ent Credit Union regarding rights and responsibilities associated with your obtaining a Visa Health Savings Debit Card. 
• Business/Corporate Product and Service Disclosures
• Business Banking Fee Schedule: Fee Schedule for Business Checking and Savings accounts, Safe Boxes, ATM and Visa Debit Card Transactions, ACH Services, Miscellaneous Transactions and Negotiable Items. We appreciate your choice of Ent Credit Union for your financial business.
• Business Banking Disclosure
• Online Account Administrator Agreement for Business and Corporate Accounts
• Ent Credit Union is unable to open accounts for Marijuana Related Businesses or any accounts that involve or relate to the sale, cultivation, manufacturing, distribution or transportation of (i) marijuana, (ii) hemp, (iii) CBD products, (iv) any non-FDA approved substances (including medicinal mushrooms and Kratom), or (v) other illicit substances. 
• Affinity Card Disclosure
• Refer a Friend Terms & Conditions
• Online Privacy Policy

• Important Loan Information
• Equal Credit Opportunity Act Notice
• Mortgage Rate Lock Information
  
• Fair Credit Reporting Act Notice
• Personal Line of Credit Disclosure
  
• Home Equity Line of Credit Pre-disclosure

Ent is:

• Insured by the National Credit Union Administration (NCUA). 
  Your savings insured to at least $250,000 and backed by the full faith and credit of the United States Government.  

• 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.

• Due to federal legislation, effective April 1, 2012, Ent ATM Cards can only be used for ATM account access. Purchases at merchants will no longer be allowed with an Ent ATM Card. Use Ent’s Mobile Banking App or visit Locations to find the nearest surcharge-free ATM where you can make deposits, withdrawals or transfer 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.

• 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. Ent partners with the NYCE network to handle such transactions. 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.

• ATM deposits are subject to review and verification. Adjustments may be made to your account if there is a discrepancy between the ATM entered amount and the actual amount of the check(s) and/or cash; if a check does not meet our check acceptance policy for ATM deposits including if a check is not negotiable or if it is a third party check. For complete information regarding check holds, please reference the Deposit Availability Policy.

• Effective January 1, 2015, IRA owners are only allowed one IRA rollover per 12 months per IRA owner, regardless of the number of or types of IRAs the individual owns.
  

• Requests for Mortgage information and Notices of Error, including Qualified Written Requests
  If you wish to request information or assert an error relating to the servicing of your mortgage loan, including any Qualified Written Requests, you must use the address below and include your name, your mortgage loan account number, property address and a statement of either the information you are requesting or the error you believe has occurred:
  
  Ent Credit Union Mortgage Loan Servicing
  P.O. Box 16900
  Colorado Springs, CO 80935

• The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, gender, age and income of applicants and borrowers; and information about loan approvals and denials. HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protection Bureau’s website.

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. 

Note: 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 identifying documents.