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All funds in a "noninterest-bearing transaction account" are insured in full by the National Credit Union Administration through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to members under the NCUA's general share insurance rules.
The term "noninterest-bearing transaction account" includes a traditional share draft account (or demand deposit account) on which the insured credit union pays no interest or dividend. It does not include any transaction account that may earn interest or dividends, a negotiable order of withdrawal ("NOW") account, money-market deposit account, and Interest on Lawyers Trust Account ("IOLTA"), even if share drafts may be drawn on the account.
NOTICE REQUIRED BY THE UNLAWFUL INTERNET GAMBLING ENFORCEMENT ACT: To All Commercial
Account Holders.
Inappropriate and/or Gambling Transactions. Certain federal and/or state laws such as the Unlawful
Internet Gambling Enforcement Act or Third Party Service Providers’ Rules may limit or prohibit certain
transactions such as (but not limited to) those coded as possible gambling transactions. The Credit
Union may decline to accept, process or pay any transaction that we believe to be illegal or unenforceable
(regarding your obligation to pay us or otherwise) under applicable law; or which is otherwise limited or
prohibited, including but not limited to any transaction involving or relating to any gambling activity. Such
prohibition or limitations may affect some otherwise proper or allowable transactions such as debits,
charges or other transactions at or relating to a hotel-casino. You understand and agree such
limitations/prohibitions are not within the Credit Union’s control and that the Credit Union will not have
any liability, responsibility or culpability whatsoever for any such use by you or any authorized user(s); or
for declining to accept, process, or pay any such transaction. You further agree to indemnify and hold the
Credit Union harmless from any suits, liability, damages or adverse action of any kind that results directly
or indirectly from any such use of your account and/or access devices.
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