eStatements
Directions Credit Union provides monthly account statements in either paper or electronic format. If you agree to receive your account statements electronically, paper statements will no longer be mailed to you. Your choice of notification format will apply to all sub accounts (e.g. S1, L1, etc.) under your unique membership account number. Your notification will NOT apply to credit card statements. You may obtain a paper copy of any transaction documentation you may require through Directions Credit Union Online Banking access or by calling Directions Credit Union at (888) 508- 2228. You may change the format (paper or electronic) in which you receive statements or your electronic contact information (i.e., e-mail address) at any time on Directions Credit Union Home Banking. We will notify you at your electronic address of the availability of monthly statements, new disclosure material, and any changes in hardware or software that may impact your ability to retrieve electronically formatted information. You agree to notify the Credit Union of changes to your email address and other contact information.
Your eStatements are available for viewing and printing on Directions Credit Union Online Banking for 24 months from the statement date. After that time, you may request a paper copy of your statement by contacting Directions Credit Union.
Fees may apply for paper statement copies that are retrieved by Directions Credit Union.
- Monthly/Quarterly Member Statement Fee $1.00
Disclosures & Notices
Directions Credit Union provides notices & disclosures in either paper or electronic format. Examples of some notices we may send electronically include the Annual Privacy Notice, your Billing Error Rights Notice, Change in Terms Notices and other Notices or Account Disclosures that inform you of changes at the Credit Union. If you agree to receive your account statements electronically, paper notices and disclosures may no longer be mailed to you.
eStatement & Disclosure Hardware & Software Requirements
Access Requirements. To access Directions Credit Union online banking, you need a credit union account, a device with internet access (computer or smartphone), and a registered username and password. You will also typically need your account number and other personally identifiable information, such as your Social Security Number or debit card details, to verify your identity during the initial setup process. Adobe Acrobat Reader may be required to access supporting documents or promotional materials. If there is a change in the hardware/software requirements associated with this service, we will update the browser requirements in this document. It is your sole responsibility to ensure your personal computer and related equipment are compatible with and capable of operating in a manner that allows you to utilize Online Banking.
To retain your statement, you must have a hard drive or other storage device to "Save" the file(s) to. Alternatively for retention, your statements may be printed utilizing a printer properly connected to the personal computer hardware or other device you use to access and view your statements.
By signing up for e-documents in online banking, you agree to the electronic delivery and receipt of all consumer disclosures, notices, statements, promotional materials, and any other documents of any nature that would otherwise be provided to you in paper form. You understand that You have the right to receive the aforementioned documents in paper form if I so choose and that you may withdraw consent to receive electronic documents at any time. You understand that by electing to receive the above electronically, you will not receive these documents in paper form by mail or otherwise. You may receive delivery of these documents electronically or in paper form, but not both. You understand that you must inform the Credit Union of changes to my email address.
Terms of use
We welcome you to our website. Please review these Terms of Use, which are intended to constitute a binding license agreement that conditions your use of this site (Agreement). Our purpose is to try to protect our rights in order to provide you with access to the content available at this site. If you do not wish to be bound by this Agreement after you have read it, please leave the site. If you remain on the site, or return thereafter, you agree to be bound by this Agreement. You agree to act responsibly at this site. This site is protected by U.S. copyright laws. All rights are reserved. Except to the extent required for the limited purpose of reviewing material on our site, electronic reproduction, adaptation, distribution, performance or display is prohibited. You many not display this website in frames or in links without our written permission. We may provide links within our website. Links are not intended to imply sponsorship, affiliation, or endorsement. The terms of this Agreement may be modified at any time.
Disclaimer of warranties
You expressly agree that use of this website is at your sole risk. There is no warranty that your access to or use of this site will be uninterrupted or error free; or that any particular results may be obtained by use of this site. This site is made available on an “as-is” basis without warranties of any kind.
Stop Payment Orders
a. Stop Payment Order Request. Any owner may request a stop payment order on any check or draft drawn on the owner's account. To be binding, the order must accurately describe the check or draft, including the exact account number, check or draft number, and amount of the check or draft. This exact information is necessary for the Credit Union to identify the check or draft. If we receive incorrect or incomplete information, we will not be responsible for failing to stop payment on the check or draft. In addition, we must receive sufficient advance notice of the stop payment order to allow us a reasonable opportunity to act on it. If we recredit your account after paying a check or draft over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the payee, to assign to us all of your rights against the payee or other holders of the check or draft, and to assist us in any legal action.
Stop payment orders for preauthorized debit transactions from your account are governed by Regulation E. Please refer to the Electronic Fund Transfers Agreement and Disclosure for rules regarding stop payments on preauthorized debit transactions.
b. Duration of Order. You may make an oral stop payment order which will lapse within 14 calendar days unless you confirm it in writing, or in a record if allowed by applicable law, within that time. A written stop payment order is effective for six months and may be renewed for additional six month periods by submitting a renewal request in writing, or in a record if allowed by applicable law, before the stop payment order then in effect expires. We do not have to notify you when a stop payment order expires.
c. Liability. Fees for stop payment orders are set forth in the Truth-in-Savings Disclosure or Fee Schedule. You may not stop payment on any certified check, cashier's check, teller's check, or any other check, draft, or payment guaranteed by us. Although payment of an item may be stopped, you may remain liable to any item holder, including us. You have the burden of establishing the fact and amount of loss resulting from the payment of an item contrary to a binding stop payment order. You agree to indemnify and hold the Credit Union harmless from all costs, including attorney's fees and all damages or claims related to our refusal to pay an item, as well as claims of any joint account owner or of any payee or endorsee for failing to stop payment of an item as a result of incorrect information provided by you.
