Membership application

Step 1 of 6 – ACCOUNT TYPE

Take a photo or scan your ID so you can be ready to upload it in Step 2.
I WOULD LIKE TO OPEN THE FOLLOWING ACCOUNT:
(Required for membership with a $5.00 Par Value activation deposit.)*
- Membership Share Savings
(Required for membership with a $5.00 Par Value activation deposit.)
If you are requesting a Share Draft/Checking Account, a recurring deposit must be set up in order receive a chip enable MasterCard Debit Card. A recurring deposit includes; full Direct Deposit or Partial Payroll Deduction.
- Share Draft Checking
If you are requesting a Share Draft/Checking Account, a recurring deposit must be set up in order receive a chip enable MasterCard Debit Card. A recurring deposit includes; full Direct Deposit or Partial Payroll Deduction.
A minimum and initial deposit of $25.00 is required to open this account with no deposit restrictions. On October 1st of each year funds are transferred to your Membership Share Savings or Share Draft Checking for use.
- Holiday Club Account
A minimum and initial deposit of $25.00 is required to open this account with no deposit restrictions. On October 1st of each year funds are transferred to your Membership Share Savings or Share Draft Checking for use.
OVERDRAFT PROTECTION*
- YES, I would like Overdraft Protection
- NO, thanks, I will use your standard overdraft practices
Please tell us how you would like overdrafts to be treated by completing the following: (You must complete BOTH this section and the separate “What You Need to Know about Overdrafts and Overdraft Fees” form) Overdraft Protection Plan. Under the Overdraft Protection Plan, I may authorize you to pay transactions that would cause an overdraft of my checking account by transferring funds from an existing savings account, or by advancing funds from a line of credit. If I elect Overdraft Protection, you will look to this plan for funds to cover my overdrafts before you use your standard overdraft procedures. If I choose not to elect Overdraft Protection, or I have insufficient funds in my account or insufficient credit available on my line of credit to cover the overdrafts, then your standard overdraft practices will govern. Under those practices, you may (but don’t have to) pay checks and automatic bill payments that cause overdrafts; if you do so, you will charge me a fee. If an ATM transaction or one-time debit card transaction causes the overdraft, I must tell you if I want you to pay such transactions or to decline such transactions. (See separate “What You Need to Know About Overdrafts and Overdraft Fees”.)
I QUALIFY FOR MEMBERSHIP BECAUSE:
I AM EMPLOYED AT*
OR, I AM AN IMMEDIATE FAMILY MEMBER OF A CURRENT MEMBER IN GOOD STANDING, WHO RESIDES IN THE SAME HOUSEHOLD

Enter current member name and your relationship

PERSONAL INFORMATION
Name*
First Middle Last
SOCIAL SECURITY #*
MOTHER'S MAIDEN NAME
HOME ADDRESS*
Street Address Address Line 2 City State ZIP Code

Must be a street address, PO boxes are not acceptable
YEARS AT RESIDENCE
DO YOU
- Rent
- Own
MONTHLY PAYMENT
IDENTIFICATION
DRIVER’S LICENSE, LEARNER’S PERMIT or STATE-ISSUED NON-DRIVER ID CARD NUMBER.*
EXPIRATION DATE*
MM slash DD slash YYYY
STATE OF ISSUANCE*
State
DATE OF BIRTH*
MM slash DD slash YYYY
PLACE OF BIRTH
ALTERNATE IDENTIFICATION TYPE*
- Work ID Card
- U.S. Military ID Card
- U.S. Passport
- Permanent Resident Card
- Other
ID Number/Other description*
UPLOAD YOUR 2 IDS: DRIVER’S LICENSE & WORK ID*
Drop files here or

Accepted file types: jpg, jpeg, png, pdf, Max. file size: 256 MB.
Click on the “Browse” button to locate a scan or photo of your ID
EMPLOYMENT INFORMATION
EMPLOYER NAME*
EMPLOYER ADDRESS*
Street Address City State ZIP Code
OCCUPATION
POSITION/TITLE*
CONTACT INFORMATION
HOME PHONE NUMBER
CELL PHONE NUMBER
WORK PHONE NUMBER
HOME EMAIL ADDRESS
WORK EMAIL ADDRESS

ADD A JOINT OWNER ON ACCOUNT
*
- YES, I WOULD LIKE TO ADD A JOINT OWNER ON MY ACCOUNT
- NO, I DO NOT WANT TO ADD A JOINT OWNER ON MY ACCOUNT
PERSONAL INFORMATION
Name*
First Middle Last
SOCIAL SECURITY #*
MOTHER'S MAIDEN NAME
HOME ADDRESS*
Street Address Address Line 2 City State ZIP Code

Must be a street address, PO boxes are not acceptable
YEARS AT RESIDENCE
DO YOU
- Rent
- Own
MONTHLY PAYMENT
IDENTIFICATION
DRIVER'S LICENSE NUMBER*
STATE OF ISSUANCE*
State
DATE OF BIRTH*
MM slash DD slash YYYY
PLACE OF BIRTH
ALTERNATE IDENTIFICATION TYPE*
- Government -issued ID Card
- U.S. Military ID Card
- U.S. Passport
- Permanent Resident Card
- Other
ID Number/Other description*
UPLOAD YOUR ID
Drop files here or

Accepted file types: jpg, jpeg, png, pdf, Max. file size: 256 MB.
Click on the “Browse” button to locate a scan or photo of your ID. You can upload your ID later, if necessary.
EMPLOYMENT INFORMATION
EMPLOYER NAME*
EMPLOYER ADDRESS*
Street Address City State ZIP Code
OCCUPATION
POSITION/TITLE*
CONTACT INFORMATION
HOME PHONE NUMBER
CELL PHONE NUMBER
WORK PHONE NUMBER
HOME EMAIL ADDRESS
WORK EMAIL ADDRESS

POD BENEFICIARY
*
- YES: I would like the following Payable-on-Death Beneficiary, who will receive the funds in this account if I die (or, on a joint account, when all joint owners die)
- NO: I do not wish to name a Beneficiary at this time.
POD BENEFICIARY NAME*
First Last
ADDRESS
Street Address Address Line 2 City State ZIP Code
DATE OF BIRTH*
MM slash DD slash YYYY
SOCIAL SECURITY #

ADDITIONAL ACCOUNT SERVICES
Attached to my Checking Account (use at ATMs and for purchases at places that accept the Card)
- Debit/Check Card
Attached to my Checking Account (use at ATMs and for purchases at places that accept the Card)
OVERDRAFT PROTECTION*
- YES, I would like Overdraft Protection
- NO, thanks, I will use your standard overdraft practices
Please tell us how you would like overdrafts to be treated by completing the following: (You must complete BOTH this section and the separate “What You Need to Know about Overdrafts and Overdraft Fees” form) Overdraft Protection Plan. Under the Overdraft Protection Plan, I may authorize you to pay transactions that would cause an overdraft of my checking account by transferring funds from an existing savings account, or by advancing funds from a line of credit. If I elect Overdraft Protection, you will look to this plan for funds to cover my overdrafts before you use your standard overdraft procedures. If I choose not to elect Overdraft Protection, or I have insufficient funds in my account or insufficient credit available on my line of credit to cover the overdrafts, then your standard overdraft practices will govern. Under those practices, you may (but don’t have to) pay checks and automatic bill payments that cause overdrafts; if you do so, you will charge me a fee. If an ATM transaction or one-time debit card transaction causes the overdraft, I must tell you if I want you to pay such transactions or to decline such transactions. (See separate “What You Need to Know About Overdrafts and Overdraft Fees”.)
Yes, send me my statements in electronic format to my e-mail address listed below. I understand that I will not receive paper statements via U.S. Mail, but that I can request a paper copy at any time, and I can cancel my e-Statement service at any time. I understand that I must keep my e-mail address current, and must have Adobe Reader (which can be downloaded for free off the internet) to receive and open the statements in PDF format.
- E-statements
Yes, send me my statements in electronic format to my e-mail address listed below. I understand that I will not receive paper statements via U.S. Mail, but that I can request a paper copy at any time, and I can cancel my e-Statement service at any time. I understand that I must keep my e-mail address current, and must have Adobe Reader (which can be downloaded for free off the internet) to receive and open the statements in PDF format.
Please send e-statements to this email address:
Yes, send me notices such as change-in-terms or certificate renewals in electronic format to my e-mail address listed below. I understand that I will not receive paper notices via U.S. Mail, but that I can request a paper copy at any time, and I can cancel my e-Notice service at any time. I understand that I must keep my e-mail address current, and must have Adobe Reader (which can be downloaded for free off the internet) to receive and open the notices in PDF format.
- E-notices
Yes, send me notices such as change-in-terms or certificate renewals in electronic format to my e-mail address listed below. I understand that I will not receive paper notices via U.S. Mail, but that I can request a paper copy at any time, and I can cancel my e-Notice service at any time. I understand that I must keep my e-mail address current, and must have Adobe Reader (which can be downloaded for free off the internet) to receive and open the notices in PDF format.
Please send e-notices to this email address
PLEASE PAY ANY OVERDRAFTS IN MY CHECKING ACCOUNT BY WITHDRAWING DEPOSIT ACCOUNT FUNDS OR CHARGING THE LOAN ACCOUNT AS FOLLOWS
(indicate the order you would like funds transferred by selecting the option that has your preferred first and second choice. If sufficient available funds in your first choice, then funds will be transferred from your second choice, etc.) I UNDERSTAND THAT I WILL BE CHARGED FOR THIS SERVICE IN THE AMOUNT OF $25,00

TIN AND BACKUP WITHHOLDING CERTIFICATION
Under penalties of perjury, I certify that the number shown on this Application as my Social Security Number or TIN is my correct taxpayer identification number, and that (check applicable boxes):
*
- I am not subject to backup withholding due to failure to report interest and dividend income
- I am subject to backup withholding
- I am a U.S. Citizen
- I am not a U.S. Citizen and agree to complete a W-8 or other applicable form
AUTHORIZED SIGNATURES
Please review our account disclosures and agreements. These documents contain the terms and conditions that will apply to your account(s).
Read EFT Agreement and Disclosure*
- I have read and agree to the EFT Agreement
Read EFT Agreement and Disclosure
Read Funds Availability Policy*
- I have read and agree to the Funds Availability Policy
Read Funds Availability Policy
Read Membership and Account Agreement*
- I have read and agree to the Membership Agreement
Read Membership and Account Agreement
Read Privacy Notice*
- I have read and agree to the Privacy
Read Privacy Notice
Read Fee Schedule*
- I have read and agree to the Fee Schedule
Read Fee Schedule
FUNDING MEMBERSHIP SHARE ACCOUNT
A $5.00 par value deposit is required at membership opening; this can be done by providing us your Checking Account information from another Financial Institution using the transfer request below. If you are transferring from an MCU checking account, please provide us with your checking account number starting with 1359.
Bank Name*
Bank Routing Number*
Account Number*
Name on Account*
Amount*
By clicking on the submit button, you authorize The Finest Federal Credit Union to electronically debit the checking account provided above. I am the authorized signer or have the authority to transact on this account and funds are available for this transaction. It may take up 5 business days for the processing and clearing of this transaction. I am responsible for the accuracy of the above information. The Credit Union is not liable for any incorrect information imputed on this form. The terms of the Finest Federal Credit Union Membership and Account Agreement, including the terms of the Wire Transfers, Automated Clearing House (ACH), and Other Payments Order Transactions sections, are incorporated into this authorization.
By signing below, I am applying for membership in the credit union and/or for the accounts and services indicated. I certify that all information provided in this Application is true and complete to the best of my knowledge. I agree to abide by the Bylaws and other rules of the credit union and agree not to cause any loss to the credit union. I acknowledge receipt of, and agree to the terms of, the Membership Account Agreement, Privacy Notice, Funds Availability Disclosure, Electronic Funds Disclosure, Truth-in-Savings Disclosures and Rates and Fees Schedule, and to any amendments made thereto. I also authorize you to check my employment and credit history and to obtain credit reports in connection with this application and from time to time to determine my eligibility for credit union products and services, and I acknowledge that you may share information pertaining to my accounts with credit bureaus and others as allowed under applicable law.
Security Interest: All present and future deposits into my accounts will secure any and all obligations that I owe the Credit Union, including fees and charges as well as loans and credit cards that I have with you.
IMPORTANT NOTICE 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. This means that 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 or other identifying information.
THE INTERNAL REVENUE SERVICE (IRS) DOES NOT REQUIRE MY CONSENT TO ANY PROVISION OF THIS DOCUMENT OTHER THAN THE CERTIFICATION REQUIRED TO AVOID BACKUP WITHHOLDING.
Please enter your full name as your signature*
If you did not upload your ID with your application, you will have to do so before your application can be approved.

Membership application

Step 1 of 6 – ACCOUNT TYPE

I WOULD LIKE TO OPEN THE FOLLOWING ACCOUNT:

I QUALIFY FOR MEMBERSHIP BECAUSE:

PERSONAL INFORMATION

IDENTIFICATION

EMPLOYMENT INFORMATION

CONTACT INFORMATION

ADD A JOINT OWNER ON ACCOUNT

PERSONAL INFORMATION

IDENTIFICATION

EMPLOYMENT INFORMATION

CONTACT INFORMATION

POD BENEFICIARY

ADDITIONAL ACCOUNT SERVICES

TIN AND BACKUP WITHHOLDING CERTIFICATION

AUTHORIZED SIGNATURES

FUNDING MEMBERSHIP SHARE ACCOUNT