Santa Rosa County Federal Credit Union

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Account Opening - Santa Rosa County FCU

To qualify for membership, you must meet one of the following requirements:<ul><li>You are a resident in an eligible county</li><li>You regularly work in an eligible county</li><li>You worship in an eligible county</li><li>You attend school in an eligible county</li><li>You have a family member that meets the requirements above</li></ul>Eligible counties include Santa Rosa, Escambia, and Okaloosa.

Federally Insured by NCUA. We do business in accordance with the Federal Fair Housing Law and the Equal Housing Opportunity Act.

Terms and Conditions

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Account Opening

By checking this box you agree to our <a href="https://www.srcfcu.org/privacy-policy" target="_blank">Privacy Policy</a>.

What is your legal name as it appears on your passport or other government-issued ID?

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We’ll text you important information about your application. Your phone number will never be shared. Standard text messaging rates apply.

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We use this information to verify your identity. Your information is always kept private, will never be shared, and is protected by 256-bit SSL Encryption.

Street Address

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This information is protected by 256-bit SSL Encryption, and is required by the federal government to verify your identity and to provide interest income reporting. Your information is always kept private and will never be shared.

Let’s verify your identity.

Verifying your ID now helps expedite opening your account. This process can be securely completed with a webcam-equipped mobile device and only takes a few minutes.

You will need one of the following ID documents:<ul><li>Driver’s license</li><li>State ID</li><li>U.S. Passport</li></ul> Your ID's information must match what has been provided in the application.

If you encounter problems with this system or would prefer to validate your ID later, please return to the previous step.

We found existing membership information on file for you. Would you like to use one of the memberships below?

Let's verify your identity

We use income data solely to verify your eligibility for our highly competitive loan products. This information will be stored securely and will never be shared with anyone else.

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Please choose the accounts you wish to open today.

Please choose the deposit products below that you wish to open today.

It all starts with a great savings account.

<div><div>WHAT YOU NEED TO KNOW ABOUT OVERDRAFTS AND OVERDRAFT FEESAn overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways:<ol><li>We have standard overdraft practices that come with your account.<li>We also offer overdraft protection plans, such as a link to a share/savings account or overdraft line-of-credit, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans.</ol>This notice explains our standard overdraft practices. What are the standard overdraft practices that come with my account?We do authorize and pay overdrafts for the following types of transactions:<ul><li>Share drafts/checks, and other transactions made using your checking account<li>Automatic bill payments<li>ACH transactions</ul>We do not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below):<ul><li>ATM transactions<li>One-time debit card transactions</ul>We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.If we do not authorize and pay an overdraft, your transaction will be declined.What fees will I be charged if the Credit Union pays my overdraft?Under our standard overdraft practices:<ul><li>We will charge you a fee of $27.50 each time we pay an ATM or debit card transaction overdraft.<li>There is no limit on the total fees we can charge you for overdrawing your account.</ul></div>

Overdraft Services Consent

By checking this box you agree to our <a href="https://res.cloudinary.com/cotribute/image/upload/v1728596502/acquire/p/institutions/cpm-fcu/p8pq4gensjr5vvasqxtr.pdf" target="_blank">Share Draft Privileges</a>.

By checking this box you agree to our <a href="https://res.cloudinary.com/cotribute/image/upload/v1730396264/Fee_Schedule_rvhrkq.jpg" target="_blank">Fee Schedule</a>.

By checking this box you agree to our <a href="https://res.cloudinary.com/cotribute/image/upload/v1728594854/acquire/p/institutions/cpm-fcu/x4qnllzmtjngwq4bmyql.pdf" target="_blank">Privacy Disclosure</a>.

By checking this box you agree to our <a href="https://res.cloudinary.com/cotribute/image/upload/v1728594854/acquire/p/institutions/cpm-fcu/cagnanxtaztb7as3moo0.pdf" target="_blank">Electronic Fund Transfers Agreement and Disclosure</a>.

By checking this box you agree to our <a href="https://res.cloudinary.com/cotribute/image/upload/v1728594854/acquire/p/institutions/cpm-fcu/vbyy4ndxkglonodxzfvo.pdf" target="_blank">Funds Availability Policy Disclosure </a>.

By checking this box you agree to our <a href="https://s3.us-west-2.amazonaws.com/acquire-assets.cotribute.co/santa-rosa-county-federal-credit-union/documents/Santa-rosa-membership%2BTIS%2BTIS-cert.pdf" target="_blank">Membership and Account Agreement</a>.

Account Disclosures

If you have their information available, we can quickly add a joint applicant to your application.

Would you like to add a joint applicant?

We have just a few questions about your joint applicant so we can add them to your application.

Let’s collect information about your joint applicant.

Let us know how we can get in touch with your joint applicant in case we need to.

What is your joint applicant’s contact information?

Please check the box if they have an alternate mailing address.

We use this information to verify your joint applicant is who you say they are. This information is always kept private, will never be shared, and is protected by 256-bit SSL Encryption.

What’s their home address?

What’s their mailing address?

This information is protected by 256-bit SSL Encryption, and is required by the federal government to verify your joint applicant’s identity and to provide interest income reporting. This information is always kept private and will never be shared.

Let’s verify your joint applicant’s identity.

If you have their information available, we can quickly add a beneficiary to your application.

Would you like to add a beneficiary?

We use this information to verify your beneficiary is who you say they are. This information is always kept private, will never be shared, and is protected by 256-bit SSL Encryption.

What's their home address?

What's their mailing address?

How much would you like to initially deposit?

Initial Deposit

Log in to your existing bank to fund your new checking account.

Link your current bank account so we can wirelessly transfer funds as soon as your new account is opened.

By clicking "Link Account", you agree to our partner Plaid’s <a href="https://plaid.com/legal/terms-of-use/" target="_blank">Terms of Use</a> and <a href="https://plaid.com/legal/#consumers" target="_blank">Privacy Policy</a>.

Let’s link your bank account.

Please provide your bank’s account and routing number so we can initiate the ACH transfer to fund your new account with us.

Enter your bank account details.

By submitting, you promise that everything you have stated in this application is true and correct to the best of your knowledge.

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 to you: When you open an account, we 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. Under penalties of perjury, I certify that: 1) The number shown on this form is my correct taxpayer identification number (or I am waiting for a number to be issued) 2) I am not subject to backup withholding because: (a) I am exempt from backup withholding, or (b) I have not been notified by the Internal Revenue Service (IRS) that I am subject to backup withholding as a result of a failure to report all interest or dividends, or (c) the IRS 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).

We’re about done. Does everything look right?

Thanks for giving us the opportunity to partner with you in your financial goals. We look forward to serving you! If you have any questions or concerns, please feel free to call us at (850) 623-3877.