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This agreement covers your and our rights and responsibilities concerning Accounts(s) offered to you by the Midwest Regional Credit Union. In this agreement, the words "you" and "yours" means anyone who signs an Account Card or account Change Card (Account Card). The words "we," "us," and our mean the Credit Union. The word "account" means any one or more share or other accounts you have with the Credit Union.

The classification and form of ownership of you accounts is set forth on your Account Card. By signing an Account Card, each of you, jointly and severally, agree to the terms and conditions in this agreement and Account Card, Funds Availability Policy Disclosure, the Truth-in-Savings Rate and Fee Schedule (Rate and Fee Schedule) if applicable, and any Account Receipt, accompanying this Agreement, and the Credit Union's Bylaws and policies, and any amendments of these documents from time to time collectively govern your Membership and accounts.

1.  Membership Eligibility

16.  Credit Union Liability

2.  Single Party Accounts

17.  Credit Union Lien and Security Interest

3.  Multiple Party Accounts

18.  Legal Process

4.  Postdated and Staledated Drafts

19.  Account Information

5.  Accounts for Minors

20.  Notices

6.  Uniform Transfer/Gifts to Minors Account

21.  TIN and Backup Withholding

7.  Agency Designation

22.  Statements

8.  Deposit of Funds Requirements

23.  Inactive Accounts

9.  Account Access

24.  Special Account Instructions

10.  Account Rates & Fees

25.  Termination of Account

11.  Transaction Limitations

26.  Termination of Membership

12.  Time Accounts

27.  Death of Account Owner

13.  Overdrafts

28.  Severability

14.  Postdated and Staledated Drafts

29.  Enforcement

15.  Stop Payment Orders

30.  Governing Law

 

Serving Eastern Kansas, including Anderson, Coffey, Douglas, Franklin, Geary, Johnson, Leavenworth, Linn, Miami, Morris, Osage, Pottawatomie, Riley, Wabaunsee, and Wyandotte Counties and Jackson County, Missouri.

We have offices in  Kansas City and Lawrence.

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