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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 customer that 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 and other identifying information.

For New Members Only.

For ALL Non-Resident Alien members: In order to prevent withholding of tax on interest paid to your account you MUST, whether you reside in the U.S. or not, complete (sign) and return Form W-8BEN with this application to MEFCU AND You MUST attach a photocopy of your VALID foreign identification (i.e. foreign passport, non-U.S. driver’s license or similar documentation.

Membership Eligibility

I am eligible for membership because my:

is employed by or retired from one of the following companies:

Do you intend to use this account for any of the following purposes, If No please check Not Applicable:

Designation of beneficiaries

Designated beneficiaries, if any, will become the Owner(s) of this account upon the death of all Owners. The beneficiaries have no rights during the lifetime of any Owner.

Beneficiary #1

Beneficiary #2

Please select from the list below any additional products and/or services that you are interested in -- information regarding these products/services will be provided to you once your Membership (Primary Savings) Account is established:

Membership Agreement

I would like to apply for membership with Marriott Employees’ Federal Credit Union (MEFCU) and to open a primary savings account. I agree to abide by MEFCU’s bylaws and account terms and conditions. Account terms and conditions will be mailed to the address indicated on this application when the account is opened. I understand that to establish my membership, a minimum deposit of $5.00 must be made to my Primary Savings Account in addition to a one-time $5.00 membership fee (waived if you are employed by Marriott International or The Ritz-Carlton Company). By applying for membership, I also apply for an access code for MEFCU Direct Telephone Banking (MET), a 24-hour voice response system.

Account Agreement:

I agree that this account will be subject to the terms of the Truth in Savings Disclosure, Schedule of Account Fees, Funds Availability Disclosure, Electronic Funds Transfer Agreement and Disclosure, which will be supplied to me upon establishing my membership, and to any amendments to these documents the Credit Union makes from time to time. Nothing in this Agreement shall be deemed to annul, limit or in any way modify any other obligation or relationship I may have with the Credit Union now or hereafter. The Internal Revenue Service does not require my consent to any provision other than the certifications required to avoid backup withholding.

Under penalty of perjury, I certify that: (1) the Social Security number shown on this form is my correct taxpayer identification number, and (2) I am NOT subject to backup withholding because (a) I am exempt; (b) I have not been notified that I am subject to backup withholding as a result of a failure to report all interest or dividends; or (c) the Internal Revenue Service (IRS) has notified me that I am no longer subject to backup withholding, and (3) I am a U.S. person (including a U.S. resident alien).

I promise that all of the information I have provided to Marriott Employees' Federal Credit Union in this online membership application is true and correct. 

I affirm that my intent in completing this online membership application is to establish membership with Marriott Employees' Federal Credit Union.