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).