Fees & Disclosures

This Schedule sets forth certain conditions, rates, fees and charges applicable to regular share, share draft, business and money market accounts at Adventure Credit Union as of 03/01/2019. This Schedule is incorporated as part of a Membership Agreement with Adventure Credit Union.

Fees
ATM Transactions at Adventure Credit Union	FREE
ATM Withdrawals at Non-Adventure Credit Union ATMs 10 Free with Edge Checking Account   8 Free with Business Plus Checking Account $1.50 per transaction after free withdrawals	4 FREE per Month
Surcharge Free ATM withdrawals at CO-OP Network ATMs & many 5/3 Bank ATMs
Cashier's Checks (One free per day if over $1,000)	$3
Check Copy (Also applies to deposited items, Cashier's Checks & Money Orders)	$5
Debit/Credit Card Re-issue	$10
Dormant Account Fee (monthly fee applies after one year of inactivity, balance less than $100 and no other account relationship)	$10
Easy Pay Setup	$5
Escheats Processing	$50
Foreign Check Processing (additional charges may apply)	$20
IRA, HSA, ESA Transfer to other Financial Institution	$35
Money Orders	$2
Non-Sufficient Funds/Courtesy Pay Fee (ACH, Check, ATM, Debit)	$35
Overdraft Transfer from Share or Loan	$5
Research & Reconciliation Fee (1/2 hour minimum)	$25
Returned Deposited Check	$15
Returned Easy Pay, Pay My Loan or Mortgage	$10
Returned Mail Fee (per item)	$5
Security Fee - ID Safe Choice (Monthly Fee)	$1.75
Statement Copy	$5
Stop Payment	$35
Wire Transfers (Domestic & Business)	$25
Wire Transfers (Foreign)	$45

Compliance with the Patriot Act and Identification Requirements

To help the government fight the funding of terrorism and money laundering activities, the USA Patriot Act requires financial institutions to obtain, verify and record information that identifies each individual who is an owner on an account.

How this may affect you

When you open an account, Adventure Credit Union will request information including your name, address, social security number, date of birth and other items that may be used for identification purposes. We may also ask to see a government-issued picture I.D. and other form(s)of identification.

Member Identification: The USA Patriot Act, section 326, requires that new account applicants provide current picture identification that verifies identity including name, address and other identifying information.

In some cases, identification will be requested for current members if sufficient original documentation was not obtained with the opening of the account. In all cases, protection of our members' identity and confidentiality is our pledge to you.

In accordance with federal law we support all efforts to protect and maintain the security of our members and our country.

Adventure Credit Union is committed to providing a safe place to save and borrow money at very competitive rates. Adventure is equally committed to protecting our members' privacy. Adventure gives all members this Privacy Notice to explain how Adventure collects, uses and safeguards its members' personal financial information. View a copy of the Adventure Credit Union Privacy Policy.

The Electronic Fund Transfer Act, Regulation E, was passed by the United States Congress in 1978 to establish the rights and liabilities of consumers as well as the responsibilities of all participants in electronic funds transfer activities. The term "electronic fund transfer" (EFT) generally refers to a transaction initiated through an electronic terminal, telephone, computer, or magnetic tape that instructs a financial institution either to credit or to debit a consumer's asset account. View Adventure Credit Union's Electronic Fund Transfer Reg E.

This Web site provides links to several third-party sites for your convenience, including some belonging to service providers on behalf of Adventure Credit Union. Other links direct you to educational or government sites in an effort to provide comprehensive financial literary and assistance. Please be aware that these Web sites are solely the responsibility of the merchant or other party providing the site and the content, including materials and information, is solely the responsibility of the provider of the site. Adventure Credit Union is not responsible for any such third-party content. Any transactions that you enter into with a vendor, merchant or other party that you access through this third-party site are solely between you and that vendor, merchant or other party. Additionally, Adventure Credit Union's Privacy Policy does not apply to third-party sites.

This statement provides information about privacy related to usage of our website, adventurecu.org, henceforth referred to as “site.”

In order to help enhance the performance and functionality of our site, we utilize session, persistent, and third-party “cookies” that store a small piece of data on a users’ computers and collect certain information about the users’ visit to our site. Our site also uses web beacons (either directly or from our partners), along with cookies, to determine if a user has visited a particular page of our site. These beacons aid in providing more relevant advertising to the user, as well measuring the success of advertising campaigns, but provide no personally identifiable information. 

Furthermore, the information we collect from these cookies and web beacons is used to determine information about a user’s visit to our site, including the number of visits, average time spent, pages viewed, navigation history through the website, and other statistics. This information is used to enhance the users experience while visiting our site and to improve the performance of our site.

Any third-party cookie or web beacon that we authorize for use on our site only collects that information described below for the same stated purposes as if we were directly collecting the information ourselves.  For a third-party cookie or web beacon, the third-party will have access to the collected information in order to provide us with information or services to enhance the performance and functionality of the site.

The cookies and web beacons we use collect non-personally identifiable information about users of the site, including: browser used to access the site, date and time, the URL of the page being loaded, users who have visited a particular website(s), any previously assigned cookie identification (a unique identifier assigned to a user to identify repeat visitors), browser window size, the geographic location of the user, device and operating system used to access the site.

Additionally, Adventure Credit Union works with third party vendors to provide a more customized experience for you. To do so, when you interact with forms and product applications, we may collect and disclose personally identifiable information about you (specifically, your name and email address) to those vendors, though we do not allow them to re-sell or use that information for their own purposes.  Names and email addresses are collected solely for Adventure Credit Union’s own direct marketing of credit union products and services.

Users who prefer not to accept cookies can set their Internet browser to notify them when they receive a cookie or to prevent cookies from being placed on their hard drive. If you consent to our collection of cookies and you subsequently wish to withdraw your consent, you will need to manage the settings on your web browser to delete all cookies and disallow further acceptance of cookies. Please note that disabling cookies on your browser will prevent us from tracking your activities in relations to our site, however, it may also disable some of the functions and features of the site and the site may not work properly.

If you would like to determine your consent status, please contact us at: [email protected]

By continuing to use our site, you are agreeing to our placing cookies and/or web beacons on your computer in order to analyze the way you use our site. If you do not wish to accept cookies or web beacons in connection with your use of this site, please discontinue use of the site.

If you use our mobile banking application on your mobile device, we may collect and process information about your actual location, but only if you expressly authorize collection of such information.  Our mobile banking app periodically collects, transmits, and uses geolocation information to support features such as alerts and locating credit union and ATM locations near you.  We also use this opt-in data to provide relevant messaging, even when the app is not open on your screen, to tailor our products and services for you, and to occasionally offer you promotions of interest. You can enable or disable access to this information at any time, through your device settings. You may further choose whether geolocation information can be monitored on a continuous basis in the background, only while the app is being used, or not at all.