Universal Account Application

 


Upon completion, simply print this form and mail to:

America's Credit Union
P.O. Box 469046
Garland, Texas 75046-9046

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 identifying documents.

America's Credit Union requires a copy of two forms of identification. One must be a current government-issued photo
ID; examples include a state driver license or a state ID card. Examples of the second include social security card, military
ID card, US Government ID card, student ID card, or employer photo badge/ID card. Be sure to include a $25 minimum
deposit to open a share/savings account, which is required for membership. If you select a joint owner on your accounts, his
or her signature and two forms of ID are also required. If you wish to open a checking account, the minimum deposit is $50.

  • If opening more than one product with this application, the ownership of all products/accounts must be the same.


  • If the ownership on an additional product/account is different, please submit two separate applications.
    •

    Which Accounts Do You Want To Open? (share savings required for new membership):

    Share Savings Vacation Club Visa Check Card (only with checking)
    Special Savings Christmas Club Joint Visa Check Card (only with checking)
    JAMMS /JAMMS Jr.        Savings Money Market Ultimate Checking
    JAMMS Checking Living Trust Certificate of Deposit
    VISA CHECK CARD DISCLOSURE: You may now use your ACU Visa Check Card at merchants who process debit transactions through the Pulse network instead of the Visa network. This distinction is important because Visa transactions provide certain protections, such as zero liability, which are not available for transactions made on non-Visa networks. The protections and rights applicable only to Visa Check Card transactions as described in your cardholder agreement will not apply to transactions processed on any other network. Non-Visa transactions might arise, for example, when you provide your account number in an e-commerce or telephone order. Merchants who support this option must provide you with a clear way of choosing to make a Visa Check Card transaction.

    Account Title Information:

  • * Account Ownership:
    • Individual Joint Convenience Cosigner (checking only)

  • Names of all Signers on the Account (including Beneficiaries):
       **Note: required fields are marked with a red asterisk(*)
    • Member/Owner:  
      *Member:: Yes No: If Yes, Member Number
      *If No, Membership Eligibility
      *First Name:
      *Last Name:
        Suffix:
      *Driver License.:
      *State (for Driver License):
      *Social Security Number:
     (Do not include dashes or spaces)
      *Date of Birth  (mm/dd/yyyy):
      *Physical Address:
      *Mailing Address:
      *City:
      *State:
      *Zip:
      *Employer:
      *Employer Address:
      *Employer City/State:
      *Home Phone:
      *Work Phone:
        Cellular Phone:
        Email:
     
    Multiple-Party Information/Joint Owner (1):
      *First Name    
      *Last Name
        Suffix:
      *Driver License:
      *State (for Driver License):
      *Social Security Number:
     (Do not include dashes or spaces)
      *Date of Birth  (mm/dd/yyyy):
      *Address Line 1:
        Address Line 2:
      *City:
      *State:
      *Zip:
      *Employer:
      *Employer Address:
      *Employer City/State:
      *Home Phone:
      *Work Phone:
        Cellular Phone:
        Email:
     
    Multiple-Party Information/Joint Owner (2):
     Note: fields marked with a red asterisk(*) are required if any of the following fields are completed.
      *First Name    
      *Last Name:
        Suffix:
      *Driver License:
      *State (for Driver License):
      *Social Security Number:
     (Do not include dashes or spaces)
      *Date of Birth  (mm/dd/yyyy):
      *Address Line 1:
        Address Line 2:
      *City:
      *State:
      *Zip:
      *Employer:
      *Employer Address:
      *Employer City/State:
      *Home Phone:
      *Work Phone:
        Cellular Phone:
        Email:
     
    Account Ownership Selection

    Notice: Choose One of the following forms of account ownership by placing your initials next to the chosen form of ownership. The type of account you select may determine how ownership of your property passes on your death. Your Will may not control the disposition of funds held in some of the following forms of account ownership. The selection you make below will apply to all the accounts listed above.

    Initial Here
    ____ Single Party Account without P.O.D. (Payable on Death) Designation. The party to the account owns the account. On the death of the party, ownership of the account passes as a part of the party's estate under the party's will or by intestacy. The party to the account is listed as the Member/Owner.

    ____Single Party Account with P.O.D. (Payable on Death) Designation. The party to the account owns the account. On the death of the party, ownership of the account passes to the P.O.D. beneficiaries of the account. The account is not a part of the party's estate. P.O.D. beneficiaries are listed below in the section titled "P.O.D. Beneficiaries." The party to the account is listed as the Member/Owner.

    ____Multiple-Party Account with Right of Survivorship. (All parties must initial) The parties to the account own the account in proportion to the parties' net contributions to the account. The financial institution may pay any sum in the account to a party at any time. On the death of a party, the party's ownership of the account passes to the surviving parties. Parties to the account are listed as Member/Owner and Joint Owner.

    ____Multiple-Party Account with Right of Survivorship and P.O.D. (Payable on Death) Designation. (All parties must initial) The parties to the account own the account in proportion to the parties' net contributions to the account. The financial institution may pay any sum in the account to a party at any time. On the death of the last surviving party, the ownership of the account passes to the P.O.D. beneficiaries. P.O.D. beneficiaries are listed below in the in the section titled "P.O.D. Beneficiaries." Parties to the account are listed as Member/Owner and Joint Owner.

    ____Convenience Account (Option for Checking Only) The Primary Owner owns the account. The cosigner to the account may make account transactions for the party. The cosigner does not own the account. On the death of the Primary Owner, funds in the account will be transferred to the Primary Owner's share savings account for distribution to the estate or the named payable-on-death beneficiary (ies), as designated on the membership application. The Credit Union may pay funds in the account to the cosigner before the Credit Union receives notice of the Primary Owner's death; payment to the cosigner does not affect the Primary Owner's ownership of the account.

    POD Beneficiary Information
    Upon the death of the last account owner, ownership of the account shall be divided equally among
    the surviving beneficiaries listed below. The beneficiaries listed below are beneficiaries to all the
    accounts listed under the Account Type section.

    (1) Name    
      Social Security Number:
     (Do not include dashes or spaces)
      Date of Birth  (mm/dd/yyyy):
      Relationship:
      Member: Yes No

    (2) Name    
      Social Security Number:
     (Do not include dashes or spaces)
      Date of Birth  (mm/dd/yyyy):
      Relationship:
      Member: Yes No
    Ordering Account Checks: checks to be printed as follows:

      Name:
      Address:
      City:
      ST, Zip:
      Phone Number:
     
    Security Question (optional)
     
        Mother's Maiden Name     Choose a Password
     
          *Answer:    
     
    Certification as to Taxpayer Identification Number and Backup Withholding

    Under penalties of perjury, by signing the application, I certify (1) that the number shown on this form is my correct taxpayer identification number; (2) I am not subject to backup withholding either because 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 the Internal Revenue Service has notified me that I am no longer subject to backup withholding; (3) I am a U.S. person (including a U.S. resident alien).

    (Instruction to Signer: Cross out item 2 if you have been notified by the IRS that you are currently subject to backup withholding because you have failed to report all interest and dividends on your tax return. Cross out item 3 and complete a W-8 BEN if you are not a U.S. person.)

    Signature and Authorization

    By signing this authorization, I/we certify that the information on this Account application is complete and true and that I/we agree to the terms and conditions of the Membership and Account Agreement, Truth-in-Savings Rate and Fee Schedule, Funds Availability Policy Disclosure, if applicable, and to any amendment the Credit Union makes from time to time. I/we authorize the Credit Union to check my/our credit history, to request and use reports regarding same, and to answer questions about its credit experience with me/us.

    The terms and conditions of these documents are incorporated herein. I/We agree that upon receipt of a copy of the Agreement and Disclosures applicable to the accounts and services requested herein, my/our use of the services selected above will indicate my/our acceptance of the terms and conditions of the Agreement. The Internal Revenue Service does not require your consent to any provision of this document other than the certifications required to avoid backup withholding.

     

    Member Signature: _________________________________ Date ____________

    Joint Owner Signature:(1) ____________________________ Date ____________

    Joint Owner Signature:(2) ____________________________ Date ____________

    Convenience Signature (for checking only) ____________________________ Date _______

    For Credit Union Use Only

    Member Number: ______________________ Account Title: ________________________
    Opened/App'd by: ________________________ Date of Membership: __________________
    ChexSystems: ___________________________ Checktronic: ________________________
    Membership Verification: ___________________