Important Account Information

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Consumer (Regulatory) Information
Important Account Information
Important Loan Information
Member Privacy
USA Patriot Act
Check 21 - Substitute Checks and Your Rights


Consumer (Regulatory) Information
Ent is:

  • 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.

  • 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® Check 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.

  • Effective Saturday, April 2, 2005, Visa updated their exchange rate disclosure on foreign currency transactions to read as follows: "A rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives or the government-mandated rate in effect for the applicable central processing date, in each instance, plus or minus any adjustment determined by the Issuer."

    What this means to you: The amount posted to your account is based on the exchange rate the day Visa processes that transaction and any Visa adjustment fee which is currently at 1% of the converted dollar amount. This fee will be indicated in your account statement by the transaction description "Visa International Service Assessment."

    Please contact us at (719) 574-1100 or 800-525-9623 if you have questions about this change.

    Ent is a community-chartered credit union.


    Important Account Information
    These files may take up to 1 minute to retrieve, depending on the internet connection.

    - Important Account Info for Our Members (808k pdf)
             including:
             · Membership & Account Agreement
             · Truth-In-Savings
             · Electronic Funds Transfers
             · Funds Availability
             · Privacy Pledge
             · Children's Privacy Pledge
    - Billing Rights Notice (88k pdf)
    - Visa® Check/ATM Disclosure (566k pdf)
    - Visa® Health Savings Check Card Disclosure (159k pdf)
    - Health Savings Account Disclosure (97k pdf)
    - Line of Credit Disclosure (156k pdf)
    - Electronic Services Disclosure and Agreement (47k pdf)
    - Bill Pay Disclosure (46k pdf)
    - Fee Schedule (78k pdf)
    - Corporate Banking Fee Schedule and Disclosure (130k pdf)
    - Business Banking Fee Schedule (83k pdf)
    - Business Banking Disclosure (78k pdf)
    - Safe Box Agreement (142k pdf)
    - Self-Service Safe Box Agreement (99k pdf)
    - Wire Transfer Disclosure (26k pdf)


    Important Loan Information
    - Important Loan Information (120k pdf)

    Member Privacy
    - Privacy Pledge & Children's Privacy Pledge (27k pdf)

    As required by the USA Patriot Act
    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 Adobe® Acrobat® Reader®. This program is available free from Adobe by clicking here http://www.adobe.com/products/acrobat/readstep.html This is a third party link. Please see disclosure below..




    Check 21 - Substitute Checks and Your Rights
    A 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.

    NCUAEqual Housing Lender Privacy Pledge  |  Important Account Information  |  Contact Us
    This credit union is federally insured by the National Credit Union Administration (NCUA).
    Your savings federally insured to at least $250,000 and backed by the full faith and
    credit of the United States Government.
    Equal Opportunity Lender  |  Equal Housing Lender
    ©2009 Ent Federal Credit Union