Multiple Services Application


Baltimore County Employees Federal Credit Union

Thank you for taking the first step toward enjoying Credit Union member benefits! Which of the following reasons prompted your member application today. Please select one:

Please fill out the form on your screen, print out and mail to the address listed below. The Credit Union requires an INK Signature for this application. We will not accept a faxed copy. This helps reduce account fraud.

Please note:

Baltimore County Employees Federal Credit Union
23 W. Susquehanna Avenue
Towson, Maryland 21204

Important Information About 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 on personal accounts identifies each person who opens an account. In addition, on legal entity accounts, we will require identification on beneficial owners and controlling person.

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 identifying documents.

We have combined some of our most frequently requested services on this one convenient application. Simply complete and return it to us, and soon you’ll be enjoying many Credit Union benefits.

Share Savings– Your primary account required for membership. Minimum balance is only $5.00.

Club Accounts– Special accounts to help you save toward a goal—. Holiday expenses or a vacation. Account withdrawal limitations apply (see Rate and Fee Schedule).

Checking– No minimum balance, no monthly fees, no charge for each check written, plus overdraft protection, and the following extras:


Share Savings Applicant Information
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- - (Month/Day/Year)
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- - X

(Complete only if different from above)

MEMBERSHIP ELIGIBILITY INFORMATION

To be eligible for membership, you must either: (1) work, volunteer, or be retired from an eligible employer/agency; or (2) be an immediate relative or household member of an existing member. For field of membership groups, visit www.bcefcu.com. If I am applying for membership under family membership, I hereby certify, under penalty of perjury, that the Primary Membership information for my relative is true. If the statement is false, I understand my account will be closed. If I am applying for membership through an eligible employer/agency, I give my permission to the Organization to verify and report my status to the Baltimore County Employees Federal Credit Union, thus waiving my rights to privacy of my personnel and or membership records under Maryland Statute Article 76A.

I am eligible as an employee, volunteer, or member of: (proof of eligibility required) () and give my permission to the Organization to verify and report my status to the Baltimore County Employees Federal Credit Union, thus waiving my rights to privacy of my personnel and or membership records under Maryland Statute Article 76A; OR


OR Name of Member through whom you are eligible




I hereby make application for membership in the Baltimore County Employees Federal Credit Union and agree to conform to the Federal Credit Union Act, NCUA Rules and Regulations and Credit Union policies, rules, regulations and bylaws and any amendments thereto and subscribe for at least one share. I acknowledge that membership at Baltimore County Employees Federal Credit Union comes with certain ongoing responsibilities. By signing this document, I and my joint owner(s), if any, agree to abide by the disclosed terms and conditions of all accounts or services that I/we may receive at Baltimore County Employees Federal Credit Union. These terms and conditions will be disclosed in accordance with applicable state and federal laws, and are provided in the disclosure and agreement forms to be mailed. The survivorship designation on my primary savings account applies to all other joint accounts with the same joint owner, unless specifically designated otherwise for a particular account.

STATUTORY LIEN: Pursuant to 12U.S.C. 1757, the Credit Union has the right to impress and enforce a statutory lien against your account shares, deposits and dividends, if you are in default on any loan indebtedness or other financial obligation to the Credit Union. The federal law gives the Credit Union the right to apply the balance of shares and dividends in your account(s) at the time of default to satisfy the financial obligation. The Credit Union may exercise this right without further notice to you, once you are in default. The lien applies to the financial obligations of members who are primarily, secondarily or otherwise responsible for an outstanding financial obligation to the Credit Union, including, without limitation an obligor, maker, guarantor, co-signer, endorser, surety or accommodation party. This means a lien can be impressed and enforced against the shares and dividends of a guarantor or other accommodation party.

Under penalties of perjury, I certify that the Social Security Number I have listed above is my correct taxpayer identification number and that I am not subject to backup withholding because: (a) I am exempt from backup withholding, or (b) I have not been notified by the Internal Revenue Service (IRS) that I am subject to backup withholding as a result of a failure to report all interest or dividends, or (c) the IRS has notified me that I am no longer subject to backup withholding. NOTE: The Internal Revenue Service does not require your consent to any provision of this document other than the certifications required to avoid backup withholding.

SIGNATURE MUST BE NOTARIZED IF NOT WITNESSED BY CREDIT UNION EMPLOYEE.
Signature of Member, Owner (Applicant) - Executed and Sealed the date and year written Date (Month/Day/Year):
__________________________________________________________________ _________________
(SEAL)

Joint Owner(s) Information

Being a Joint Owner only allows you access to this account. It does not give you access to other benefits of membership. In order to enjoy all our financial products & services, we encourage you to open a primary account in your own name.

Complete this area if you wish to have a JOINT OWNER or P.O.D. designee on your SHARE SAVINGS, CLUB ACCOUNTS and CHECKING ACCOUNT.


(On the death of a party to the account, the deceased party’s ownership in the account passes to the surviving party or parties to the account.)
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- - (Month/Day/Year)
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- - X
 
Signature of Joint Owner (1): X
 
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- - (Month/Day/Year)
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- - X
 
Signature of Joint Owner (2): X
 

Upon the death of the party (parties), the funds in this account shall be payable to the below named P.O.D. Payee(s). The P.O.D. payee(s) shall not possess a right to draw upon the funds in the account during the lifetime of the party member.

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Products & Services
Share Savings

Your primary account required for membership. Minimum balance is only $5.00.

Club Accounts

I would like to open the following "club" accounts in addition to the share savings account listed above.

I understand I will have access to these accounts through my primary membership number.
(See current Rate and Fee Schedule for additional details.)


Convenience Services Savings ATM Card
QuickTeller Audio Response
QuickTeller On-Line

QuickTeller On-Line Bill Pay

Checking and Check Re-ordering
- - (optional)
Indicate Choice

VISA Debit Card Service

Available to checking account holders only.


Baltimore County Employees Federal Credit Union logo Baltimore County Employees Federal Credit Union
23 W. Susquehanna Ave., Towson, MD 21204
410-828-4730

ABA/Routing Number: 2520-7575-7