Accessibility Statement
Vickswood Federal Credit Union is committed to providing equal access to all individuals, including those with disabilities, seeking information on our website. If you are unable to access content on this website, have questions about accessibility content or technology used by Vickswood Federal Credit Union, including this website, please contact us at P.O. Box 820240, Vicksburg, MS 39182. Our email address is vwcu@vickswoodcu.com, phone number (601) 638-4433, and our fax number is (888) 839-1131, or by contacting us online.
Privacy Policy
| Facts | WHAT DOES VICKSWOOD FEDERAL CREDIT UNION DO WITH YOUR PERSONAL INFORMATION? |
|---|---|
| Why? | Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. |
| What? | The types of personal information we collect and share
depend on the product or service you have with us.
This information can include:
|
| How? | All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Vickswood Federal Credit Union chooses to share; and whether you can limit the sharing. |
Questions? Call (601) 636-4434
| What We Do | How |
|---|---|
| How does Vickswood Federal Credit Union protect my personal information? | To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. |
| How does Vickswood Federal Credit Union collect my personal information? | We collect your personal information, for example, when you
|
| Why can't I limit all sharing? | Federal law gives you the right to limit only
|
| Definitions | Example |
|---|---|
| Affiliates | Companies related by common ownership or control. They can be financial or non-financial companies.
|
| Non-affiliates | Companies not related by common ownership or control. They can be financial or non-financial companies.
|
| Joint Marketing | A formal agreement between non-affiliated financial companies that together market financial products or services to you.
|
Share Draft Disclosure
We authorize Vicksburg Federal Credit Union (hereinafter called Credit Union) to establish a special share account for me/us to be known as a “Share Draft Account.” The Credit Union is authorized to pay share draft signed by me (or by any of us, if this agreement is signed by more than one person) and to charge payments against the Share Draft Account.
It is further stated that:
Only share draft blank and other methods by the Credit Union may be used to withdraw funds from this share account.
The Credit Union is under no obligation to pay a share draft which exceeds the balance in the share draft account; the Credit Union may, however, pay such a share and charge the amount of the resulting overdraft plus a service charge against any other share account from which the person who signed the draft is entitled to withdraw share. The Credit Union is under no obligation to pay a share draft on which the date in more than six months old.
Except for negligence, the Credit Union is not liable for any action it takes regarding the payment or nonpayment of a share draft.
Any objection regarding any item shown on a statement of the share draft account shall be waived unless made in writing to the Credit Union on or before the twentieth day following the day the statement is mailed.
The use of the share draft account is subject to such other terms, conditions, and requirements as the Credit Union may establish from time to time.
If signed by more than one person, this agreement is subject to the additional terms, conditions, of any joint share account agreement that applies to a share account in our joint name; or if there is no such agreement, this is subject to the additional terms and conditions printed on the joint share account agreement.
Fee Schedule
| Service | Description | Fee Amount |
|---|---|---|
| Membership Fee | One-time fee required to establish membership. | $1.00 |
| Dormant Account | Assessed when an account has no activity for a defined period. | $10.00 |
| Excessive Withdrawal | Fee for withdrawals exceeding account limits. | $5.00 |
| 02 Payroll Accounts | Monthly fee for designated payroll-based accounts. | $2.00 |
| Stop Payment Fee | Fee for placing a stop payment on checks or ACH items. | $37.00 |
| Research Fee – Per Hour | Charged for staff research assistance on account history or records. | $25.00 |
| Loan Application Fee | Processing fee for reviewing a loan application. | $25.00 |
| Skip-A-Payment Fee | Fee for approved payment deferment. | $25.00 |
| Non-Sufficient Funds | Charged when a transaction is presented without enough funds. | $30.00 |
| Late Payment Fee | Fee assessed when a loan payment is made after the grace period. | $20.00 |
| UCC-1 – Mississippi | Filing fee for UCC-1 in the state of Mississippi. | $12.50 |
| UCC-1 – Louisiana | Filing fee for UCC-1 in the state of Louisiana. | $32.50 |
| Title Application Fee | Fee for preparing and submitting title documents. | $12.00 |
| Bad Address Fee | Assessed when mail is returned due to invalid address. | $7.50 |
| ATM Out-of-Network Fee | Fee for using an ATM outside the credit union network. | $1.00 |
| Card Replacement | Fee for replacing a lost or damaged debit/ATM card. | $10.00 |
| Closed Membership Within 90 Days | Fee charged when a membership is closed shortly after opening. | $10.00 |
| Copies of Accounts | Fee for printed copies of account details. | $2.00 |
| Copies of Checks (Other Financial) | Printed copies of checks drawn from another institution. | $2.00 |
| Copies of Previous Statements | Printed copies of past account statements. | $2.00 |
| Legal Processing Fee | Fees for processing levies, garnishments, subpoenas, or similar legal actions. | $50.00 |
| Re-Join Fee (Within 12 Months) | Fee to reinstate membership that was closed within the past year. | $10.00 |
| Incoming/Outgoing Wire Fee | Fee for sending or receiving domestic wire transfers. | $15.00 |
| Christmas Early Withdrawal | Fee for early withdrawal from a Christmas Club account. | $5.00 |
| Share Overdraft Transfer | Fee for each overdraft transfer from shares. | $2.00 |
| Insurance Cancellation | Fee charged when insurance coverage verification is not provided or is cancelled. | $10.00 |