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272483196

Legal Notices, Disclaimers, Privacy Policy,
and Funds Availability Policy 

Copyright© 2002, Muskegon Governmental Employees Federal Credit Union. All rights reserved.

The information and material contained in this site (the "Information") is the sole property of Muskegon Governmental Employees Federal Credit Union ("MGEFCU"). No one is authorized to copy or republish the Information for any commercial use or purpose without the prior consent of MGEFCU.

Names appearing in italics are trademarks owned by MGEFCU, unless otherwise indicated, and may not be used without the prior consent of MGEFCU except to identify the product or services of MGEFCU.

Each person assumes full responsibility and all risks arising from use of this site. The Information is presented "AS IS" and may include technical inaccuracies or typographical errors. MGEFCU reserves the right to make additions, deletions, or modifications to the Information at any time without any prior notification.

MGEFCU MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND OR NATURE WITH RESPECT TO THE INFORMATION. MGEFCU HEREBY DISCLAIMS ALL REPRESENTATIONS AND WARRANTIES, WHETHER EXPRESS OR IMPLIED, CREATED BY LAW, CONTRACT OR OTHERWISE, INCLUDING, WITHOUT LIMITATION, ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE OR NON-INFRINGEMENT. IN NO EVENT SHALL MGEFCU BE LIABLE FOR ANY DAMAGES OF ANY KIND OR NATURE, INCLUDING, WITHOUT LIMITATION, DIRECT, INDIRECT, SPECIAL (INCLUDING LOSS OF PROFIT) CONSEQUENTIAL OR INCIDENTAL DAMAGES ARISING FROM OR IN CONNECTION WITH THE EXISTENCE OR USE OF THIS SITE AND/OR THE INFORMATION, REGARDLESS OF WHETHER MGEFCU HAS BEEN ADVISED AS TO THE POSSIBILITY OF SUCH DAMAGES.

Not all products and services are available in all geographic areas. Your eligibility for membership and eligibility for particular products and services is subject to final determination and acceptance by MGEFCU.

Muskegon Governmental Employees Federal Credit Union (MGEFCU) is sensitive to privacy issues on the Internet. We believe it is important you know how we treat the information about you we receive on the Internet.

In general, you can visit MGEFCU on the World Wide Web without telling us who you are or revealing any information about yourself. Our Web servers collect the domain names, not the e-mail addresses, of visitors. This information is aggregated to measure the number of visits, average time spent on the site, pages viewed, etc. MGEFCU uses this information to measure the use of our site and to improve the content of our site.

There are times, however, when we may need information from you, such as your name and address. When information is needed, we will try to let you know at the time of collection, how we will use the personal information. Usually, the personal information we collect is used only by us to respond to your inquiry, process an order or allow you to access specific account information. Occasionally, we may make the e-mail addresses, of those who provide information, available to other reputable organizations whose products or services we think you may find interesting. In these cases, you will be offered an opportunity to limit access to your information.

If you register with one of MGEFCU business units online, they may use this information to provide you with custom information about MGEFCU's offering in support of your business needs. A technology called cookies may be used to provide you with tailored information. A cookie is a tiny element of data that a Web site can send to your browser, which may then be stored on your hard drive so we can recognize you when you return. You may set your browser to notify you when you receive a cookie.

At times we conduct online surveys to better understand the needs and profile of our visitors. When we conduct a survey, we will try to let you know how we will use the information at the time we collect information from you on the Internet.

MGEFCU 's Web site may contain links to other sites such as MGEFCU distributors and sales affiliates. While we try to link only to sites that share our high standards and respect for privacy, we are not responsible for the content or the privacy practices employed by other sites.

 



 

MUSKEGON GOVERNMENTAL EMPLOYEES FEDERAL CREDIT UNION

FUNDS AVAILABILITY POLICY

EFFECTIVE OCTOBER  1, 2005

OUR POLICY IS TO MAKE FUNDS FROM YOUR CASH AND CHECK DEPOSITS AVAILABLE TO YOU ON THE SAME BUSINESS DAY THAT WE RECEIVE YOUR DEPOSIT.  ELECTRONIC DIRECT DEPOSITS WILL BE AVAILABLE ON THE DAY WE RECEIVE THE DEPOSIT.  NEGATIVE ACCOUNTS, DELINQUENT ACCOUNTS AND FEES OWED WILL BE TRANSFERRED BEFORE FUNDS ARE AVAILABLE FOR WITHDRAWAL.

RESERVATION OF RIGHT TO HOLD:

IN SOME CASES, WE WILL NOT MAKE ALL OF THE FUNDS THAT YOU DEPOSIT BY CHECK AVAILABLE TO YOU ON THE SAME BUSINESS DAY THAT WE RECEIVE YOUR DEPOSIT. 

HOWEVER, THE FIRST $100.00 OF YOUR DEPOSIT WILL BE AVAILABLE ON THE FIRST DAY AFTER YOUR DEPOSIT.  IF YOUR DEPOSIT IS NOT MADE DIRECTLY TO ONE OF OUR EMPLOYEES, OR IF WE DECIDE TO TAKE THIS ACTION AFTER YOU HAVE LEFT THE PREMISES, WE WILL MAIL YOU A NOTICE BY THE NEXT BUSINESS DAY.  IF YOU WILL NEED THE FUNDS  FROM A DEPOSIT RIGHT AWAY, YOU SHOULD ASK US WHEN THE FUNDS WILL BE AVAILABLE.

NEW MEMBERS (LESS THAN 6 MONTHS):

THE FOLLOWING CHECKS WILL BE HELD:

PERSONAL CHECKS
MONEY MARKET
CASH MANAGEMENT
VISA
MASTER CARD
DISCOVER
MONEY ORDERS (OTHER THAN US POSTAL, LOCAL BANK, MEMBER CREDIT UNION)  

$100.00 OR LESS NO HOLDS
OVER $100.00 ......................................................................................   
 AND/OR DEPOSITS OVER $5,000.00.............................................   7 BUSINESS DAYS LOCAL,
                                                                                                               11 BUSINESS DAYS FOR NON LOCAL

ESTABLISHED MEMBERS (OVER 6 MONTHS):

THE FOLLOWING CHECKS WILL BE HELD:

PERSONAL CHECKS
MONEY MARKET
CASH MANAGEMENT
VISA
MASTER CARD
DISCOVER
MONEY ORDERS (OTHER THAN US POSTAL, LOCAL BANK, MEMBER CREDIT UNION)  

$500.00 OR LESS NO HOLDS
OVER $500.00....................................................................................   5 BUSINESS DAYS NON LOCAL
DEPOSIT  OVER $5,000.00............................................................... 7 BUSINESS DAYS LOCAL,
                                                                                                             11 BUSINESS DAYS NON LOCAL

ATM DEPOSITS WILL BE HELD FOR 5 DAYS.

XTEND SHARED BRANCH MEMBERS:

THE FOLLOWING CHECKS WILL BE HELD:

PERSONAL CHECKS
MONEY MARKET
CASH MANAGEMENT
VISA
MASTER CARD
DISCOVER
MONEY ORDERS (OTHER THAN US POSTAL, LOCAL BANK, MEMBER CREDIT UNION)  

$100.00 OR LESS WITH  A CURRENT LOAN...........................................        NO HOLD

$100.00 OR LESS WITH  OUT A CURRENT LOAN..................................       2 BUSINESS DAYS LOCAL,                                                                                                                                                                                     5 BUSINESS DAYS NON LOCAL    

EXCESS OF $100.00.........................................................................................       2 BUSINESS DAYS LOCAL,
                                                                                                                                   5 BUSINESS DAYS NON LOCAL  

DEPOSITS TOTALING MORE THAN $5,000.00:
$5,000.00 AND UNDER....................................................................................THE ABOVE HOLDS WILL APPLY
ON THE AMOUNT OVER $5,000.00...........................................................7 BUSINESS DAYS LOCAL,
                                                                                                                         11 BUSINESS DAYS NON LOCAL



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Muskegon Governmental Employees Federal Credit Union

 

65 West Laketon Ave. Muskegon, MI 49441-2575
1700 Holton Rd, Muskegon, MI 49445-1472

 

Voice response:1-800-860-5704     Toll free:1-877-574-2200

 

Phone:(231)722-7285    Fax:(231)722-6167   

Please contact MGEFCU with questions or comments. © Copyright 2008 Muskegon Governmental Employees Federal Credit Union. All rights reserved

Legal Notices, Disclaimers, Privacy Policy and Funds Availability Policy