Disclosures

Membership & Account Agreement (Part A & B)

The Membership & Account Agreement represents the contract for your account; it addresses the rights and responsibilities of HAPO as a financial institution and of you as our member. This agreement has been divided into two parts:

  • Part A describes the various types of account ownership and classification
  • Part B describes other important account information such as deposit requirements, account access, transaction limitations, etc.

Part A Part B

Learn more about Common Features


Electronic Funds Transfers

The Electronic Funds Transfer disclosure outlines your rights and responsibilities, as well as the Credit Union's, concerning electronic funds transfer (EFT) services such as ATM/debit card transactions, preauthorized EFTs, electronic check conversions, audio response and internet teller, online bill payer, and the web payment center.

Electronic Funds Transfer


Funds Availability Policy

The Funds Availability Policy disclosure discusses your ability to withdraw deposits from your checking account and the Credit Union's rights to delay funds of certain deposits.

Funds Availability Policy


Overdraft Protection Disclosure

The Overdraft Protection Disclosure describes the Credit Union's overdraft protection options (Transfer Protection and Privilege Pay), as well as limitations and eligibility requirements for each.

Overdraft Protection


Privacy Policy

The Privacy Policy disclosure explains how the Credit Union handles personal information, what information is necessary to be shared, and with whom.

Privacy Policy

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Forms

Direct Deposit, ACH, and more

Fee Schedule

Learn about common fees and features

Checking Accounts

Free, simple checking

HAPO
601 Williams Blvd. Richland, WA 99354
Phone: 509-943-5676