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USA Patriot Act Identity Verification Notice

Click Here for Spanish Version


On October 26, 2001, President Bush signed into law the U.S.A. Patriot Act. The purpose of this law is to help protect you, your family, and our country from terrorism. Preventing terrorist financing is one way we can help prevent terrorism. We want you to know that section 326 of this Act requires Energy Federal Credit Union to verify the identity of all new credit union members. We must also verify the identity of members and non-members added as signatories to, and who have access to, new or existing deposit accounts and loans. We must also retain copies of all documents used to verify your identity.

If you are an existing member who joined EFCU before the U.S.A. Patriot Act rules became effective, we may also need to verify and retain copies of any documents used to verify your identity when you request a new deposit, apply for a loan, or are added as a signatory to a new or existing deposit or loan account. We ask for your understanding as we work to support these efforts to maintain the security of your funds and our country. Please speak with a credit union staff member if you have any questions or concerns about our identity verification policies.

© 2002 CUNA Mutual Group

 

El 26 de octubre del 2001, el Presidente Bush firmó la ley del Acta de Patriotismo. El propósito de dicha ley es de protegerle a usted y a su familia, así como a nuestro país del terrorismo. Queremos informarle que la sección 326 del Acta requiere que Energy Federal Credit Union verifique la identidad de cada uno de los nuevos socios y de la Cooperativa de Ahorro y Crédito. Es más, hemos de verificar la identidad de los socios y de los que, aunque no son socios, figuran como avalistas o firmantes con acceso tanto a las cuentas existentes como a las cuentas nuevas de ahorros, cheques y préstamos. También debemos guardar copias de todos los documentos utilizados para confirmar su identidad.

Si usted es un socio que se ha hecho miembro de la Cooperativa antes de la vigencia del Acta de Patriotismo de los EE.UU., también podemos exigirle una verificación y el mantenimiento de los documentos utilizados para verificar su identidad cada vez que usted pida una nueva cuenta de ahorros o cheques, solicite un préstamo, o se añada a una cuenta nueva o existente de ahorros, cheques o préstamos. Agradecemos su paciencia y comprensión mientras trabajamos para apoyar estos esfuerzos que le protegerán a usted, asegurándo su dinero y dando seguridad a nuestro país. Por favor, consulte con un empleado de nuestra Cooperativa si usted tiene alguna pregunta o preocupación con respeto a nuestra política de verificación de identidades.

© 2002 CUNA Mutual Group



Unlawful Internet Gambling Enforcement Act (UIGEA) Policy - Regulation GG


The Unlawful Internet Gambling Enforcement Act of 2006 (effective June 1, 2010) implemented regulations which prohibit commercial/business members from receiving deposits or other credits of any kind relating to their operation of an illegal Internet gambling business.  Energy Federal Credit Union is required to enforce that prohibition.

It is Energy Federal Credit Union’s policy to not open or maintain any account for commercial/business members held with the intent to conduct or engage in Internet gambling activity, whether legal or illegal.  If the credit union discovers or determines that an existing commercial member transacts or engages in Internet gambling activity as defined by the UIGEA, the credit union reserves the right to restrict services or terminate the account relationship. However, at this time Energy Federal Credit Union does not open commercial/business accounts.

If you any questions about this federal regulation, please contact Energy Federal Credit Union at 301- 670-1300 or 800-223-2177.