This disclosure supplements your Membership Disclosure Statement and other applicable disclosures. Please keep these documents together for your records.


The following terms and conditions governing your share draft (checking) account constitute a mutually protective service agreement between you and Travis Credit Union (the "credit union"). The Membership Disclosure Statement is included by reference.

*MONTHLY SERVICE FEE can be avoided under the following conditions:

Free Checking FREE

Dividend Checking FREE on accounts that maintain a minimum daily balance of $500 in the checking account or a combined minimum daily balance of $2,500 in checking, share, and/or money market accounts. (Combined balance does not include certificate accounts or IRAs.)

Silver Wings Checking FREE

Investor Checking FREE on accounts that maintain a minimum daily balance of $2,500 in the checking account or a combined minimum daily balance of $5,000 in checking, share and/or money market accounts. (Balance does not include certificate accounts or IRAs.)

OTHER FEES (Also refer to our Schedule of Fees and Charges)

NSF (Non-Sufficient Funds) Fees
. . . Per Paid Item: $29
. . . Per Unpaid Item: $29

Overdraft/Line-of-Credit Protection
. . . Per Transfer to Cover Overdraft $5
. . . Silver Wings and Investor Checking Accounts: FREE

Online Banking Access . . . FREE

Online Bill Payment
. . . Standard Payment: FREE
. . . Pay Today: $9.95

ATM Withdrawals
. . . Per Withdrawal at Travis ATMs: FREE
. . . Per Withdrawal at other Credit Union ATMs reflecting the CO-OP symbol: FREE
. . . Per Withdrawal at Non-Travis ATMs/ non CO-OP ATMs: $1.50
. . . Investor Checking (first 4 withdrawals each month): FREE
. . . (each additional withdrawal): $1.50

Debit Card Merchants or Point-of-Sale Terminals: FREE

ATM Card Point-of-Sale Terminals: FREE

Cost for Checks
. . . Free & Dividend Checking: Cost varies by style.
. . . Silver Wings & Investor Checking: FREE Classic (standard) checks when ordered one box at a time.

Stop Payment
. . . Per Item: $20
. . . Stop on Range of Check Numbers: $20


If your checking account has a zero balance for 90 consecutive days, the account will be closed.


If you make no monetary transactions for 365 consecutive days, your account will be closed and the funds will be transferred to your share savings account.


No dividends will be paid on Free Checking.
On Dividend Checking and Silver Wings Checking, dividends will be paid each day your checking account balance is $500 or more.
No dividends will be paid for any day your balance falls under $500.
Dividends on Health Savings Accounts will be paid each day your checking account balance is $100 or more. No dividends will be paid for any day your balance falls under $100. Dividends begin to accrue on the business day you make a deposit regardless of whether the deposit is cash or non-cash, but do not accrue on the date of withdrawal for the amount of the withdrawal.

Dividends are paid on a monthly basis on the last day of each month following the end of each dividend period. If you close your account before dividends are posted, we may credit any accrued dividends at the time you close your account.

Dividends are compounded monthly on a 365/365 basis, (366/366 basis during leap years) using the daily balance method. The dividend rate is divided by 365 days a year (366 days a year during leap years) to determine the daily periodic rate. The daily periodic rate is then calculated against the principal balance in the account each day.

At the Credit Unions discretion, we may change the dividend rate and applicable Annual Percentage Yield (APY) on your account at any time without prior notice. We advise members to periodically inquire at their branch or by calling 1-800-877-8328 or 707-449-4000 about current rates.


Click here for current dividend rates and APY for each balance tier. End-of-day balances will earn different daily dividend rates depending on the applicable tier. For example, for Investor Checking, if your end-of day balance is $7,000, you would earn the dividend rate for the $5,000 to $9,999.99 balance range for that day on the entire balance and if next day your end-of day balance is $1,000, you would earn the dividend rate for the $1,000 to $4,999.99 balance range for that day on the entire balance. No dividends will be paid on any day your balance falls below $1,000.


The annual percentage yield (APY) is a percentage rate that measures the total amount of dividends paid on an account based on the dividend rate and the frequency of compounding for a 12-month period. If you withdraw dividends before this period, it may reduce your earnings.

The Access Checking Account is a non-interest bearing checking account. It is a checkless checking account, which means you cannot write paper checks with this account. Do not order checks from third parties. If a check posts to your Access Checking Account and there are insufficient funds to pay for the check, the check will be returned and the account will be subject to non-sufficient funds charges as described in the Travis Credit Union Fee Schedule. You may also incur additional fees from the merchant or other party you were trying to pay when the check was returned.

Your membership relationship with Travis Credit Union is governed by the Membership Agreement and Disclosure. All disclosures can be found at Note that since there are no check-writing privileges, references in any agreements to the ability to write checks and associated rights and obligations do not apply to the Access Checking Account.

The Access Checking Account does not come with overdraft services, which means Travis Credit Union will not authorize or pay a transaction unless the account has sufficient collected funds at the time of the transaction. References in any agreements to overdraft services and associated rights and obligations do not apply to the Access Checking Account.

All other terms and conditions in these disclosures apply to the Access Checking Account. Please read all disclosures carefully. These agreements are part of the binding contract between you and us for your membership relationship.

Be aware that some merchants such as gas stations, restaurants, hotels, and rental car agencies do not initially authorize the full amount of the purchase. This may cause the transaction to be force posted to the account even if there are insufficient funds when the full amount of the transaction posts to your account. Your account will not be charged a non-sufficient funds fee but may go into a negative status. You will be responsible for paying any overdrawn amount.

If you choose to utilize check writing or overdraft protection privileges, you must request to be converted to a regular checking account. Any account activity which is inconsistent with the terms of this agreement may result in the account being converted into a regular checking account.


HSAs are an important feature of consumer-directed healthcare. Federal law allows "qualified" individuals to open these accounts and deposit funds to pay for qualified healthcare expenses. This money is exempt from federal taxes and can help pay for deductible costs and other out-of-pocket medical costs. Because of possible tax consequences, it is recommended that you consult with your tax advisor before opening an HSA. The Credit Union accepts no liability nor responsibility for any penalties associated with the use of HSAs. For more information, please refer to our HSA brochure for more details. Because of IRS regulations, all transactions will be considered as tax-reportable transactions.

The following services are not available for HSAs: Bill Payment, overdraft protection and loan products. It is your responsibility to determine whether contributions and/or distributions to or from the Health Savings Account meet IRS requirements or exceed maximum annual HSA limits. The credit union is not required to determine whether any distribution is for the payment or reimbursement of qualified medical expenses. Only you are responsible for substantiating that the distribution is for qualified expenses and must maintain records sufficient to show, if required, that the distribution meets IRS requirements.


Active accounts receive monthly statements to enable you to reconcile your records. Accounts with no activity will receive a quarterly statement. Monthly statements will not be sent on accounts for which there is no activity in a given month; however, all accounts will receive a statement at least quarterly. Statements are mailed at the convenience of the Credit Union, usually near the beginning of the month. Electronic statements are usually posted by the second business day of the month. If you would like a statement prior to the time one is normally furnished, you can request a printout of your account history. The charge for this special printout service is listed on the Schedule of Fees and Charges.


The credit union reserves the right to change the terms and conditions of your account at any time, including the Schedule of Fees and Charges. A notice of any changes that would affect your account will be mailed to you 30 business days in advance of the effective date of change.


  1. You must open and maintain a prime share (savings) account before you can open a checking account.
  2. The depositor(s) agrees to use the forms supplied by the credit union. The credit union reserves the right to return unpaid any other form of order presented or any form incompletely or defectively drawn.
  3. All non-cash deposits are received and credited by the credit union subject to final collection. Please refer to our Funds Availability brochure.
  4. The credit union may refuse to accept any deposit checks that appear to have been altered, that we believe are invalid, or nonnegotiable or that are not payable to you.
  5. We will make payments on current checks drawn on available funds in your checking account when signed by any person authorized on your Account Agreement.
  6. A postdated check is a check dated later than the day it was actually presented for payment. We are under no obligation to hold a post-dated check and we reserve the right to process every item presented as if dated the same date received by us or our check processor unless you give us notice as required under the UCC and a reasonable opportunity to act on it. A stale dated check is a check dated six months or more before the day it was actually presented for payment. We are under no obligation to pay a check on which the date is more than six (6) months old, but we may pay the check in our discretion Except where the required notice is given, the account holder agrees not to hold the Credit Union liable for paying or denying payment of any postdated or stale dated checks.
  7. Credit union bylaws permit the right to require 60 days written notice of your intention to withdraw or transfer shares.
  8. The credit union reserves the right, at its sole discretion, to refuse to open a checking account or accept any further deposits to any existing checking account. The credit union also reserves the right, at its sole discretion and upon prior notice to the depositor, to discontinue or limit the practice of allowing withdrawals by check, draft, or other negotiable order. Any such prior notice shall advise the depositor that the credit union reserves the right after the date specified in said notice not to make payment on any checking account check, draft, or other negotiable order drawn on such account. After the date specified, the credit union shall not be obliged to make any payment from such account, except for the purpose of closing such account.
  9. The credit union is not required to honor any restrictive or conditional legend or endorsement on a check you write unless the credit union has agreed in writing, signed by an officer of the credit union to the restriction or condition. An example of a conditional legend is "pay upon completion of work." Examples of restrictive legends are "must be presented within 90 days" or "not valid for more than $1,000."
  10. Withdrawals can also be made through Call-24 telephone audio response, with a credit union ATM card at designated ATMs or authorized point-of-sale (POS) terminals, or with a Debit Card at any designated ATMs, POS terminals or any Visa® authorized merchant. Call-24 transactions are governed by separate agreement.
  11. You will not receive canceled checks with your statement, although all checks are electronically imaged and retained for seven years. Copies of checks are available on request. If you need a copy of an original check, the credit union will furnish a free copy of the first two checks requested for each statement period. Copies of checks beyond the first two checks requested are subject to a small fee. Please refer to the Schedule of Fees and Charges for current fees. If you receive your statement electronically you can view and print a copy of a check by clicking on the check number.


Provided such request is timely so that we have a reasonable opportunity to act upon it and you have described the item or account with reasonable certainty, you can place a stop payment on any check drawn on your account before the check has been cleared for payment by notifying us. At your request and risk, the Credit Union will accept a stop payment order. If you notify us orally, you must follow up with a written request. If we do not receive the written request within 14 calendar days of the oral notification, the stop payment will lapse. To stop payment, complete a stop payment order form at a branch or mail a written, signed request. In order for us to effectively stop payment on a check, our computer system requires absolute accuracy. A discrepancy in any information could void the order. We need to know: (1) Your account number, (2) The exact amount, (3) check number(s), if applicable, (4) The name of the person who signed the check and (5) the name of the party to whom the check was made payable. A stop payment will not go into effect until the Credit Union verifies that the check or debit is still unpaid.

The order remains in effect for one year and may be renewed for a fee at the end of that period. You may write the Credit Union to cancel a stop payment order at any time. The Credit Union will not accept responsibility so far as it may lawfully limit its liability for the consequences of the stop payment order. You have the burden of establishing the fact and the amount of the loss resulting from any stop payment contrary to a binding stop payment. For information on EFT stop payments, please refer to the Membership Disclosure Statement.


Travis Credit union offers overdraft and line of credit protection for your checking account. This protection will help you avoid the inconvenience of overdrafts and returned checks. If you have an open-end loan account (line-of-credit) or a Travis Credit Union Visa credit card in good standing with available credit and there are not sufficient funds in your checking account's available balance to cover your checks or other authorized payments, these items will be considered to be requests for a loan advance from the loan account designated by you. Advances will be posted from your loan account to cover your overdraft in $100 increments. Overdraft loan advances are governed by the appropriate loan agreement. If you have not designated a loan account or credit card, you can designate your savings account for overdraft protection. If designated, the money will be taken from your savings account to cover your checks or authorized payments in the lesser of $100 or the available balance. However, federal regulations limit such transaction from your savings account to six (6) per month. If sufficient funds are not available in the savings account, either because funds are on hold or not on deposit, or you have already made the six transfers permitted per month, any checks drawn against non-sufficient funds may be returned unpaid. The following rules pertain to overdraft protection service:

  1. Your current authorization establishes the sequence in which these accounts are to be accessed to cover your overdraft.
  2. If you do not have overdraft-loan protection, or have exceeded your credit limit, and there are not sufficient funds in your savings account, or you have already made six (6) transfers from your savings account for the month, we may return any checks presented for payment for reason of non-sufficient funds (NSF). However, in the case of returned deposited items, at our option we have the right to automatically resubmit checks without notification to you. We also have the right to offset a returned item with the proceeds of any other account in which you have an interest.
  3. Transfer service must be from an account not subject to withdrawal limitation or penalties.
  4. Items Returned Unpaid and Paid Items: If, you have not selected overdraft protection or we cannot transfer funds from your savings account, line of credit or credit card to cover a check, electronic debit, or other item drawn against non-sufficient or unavailable funds in your checking account, or if you do not have sufficient funds in your savings account or available credit to cover the item, we will either:
    a. not pay the check, electronic debit, or other item drawn against non-sufficient or unavailable funds in your checking account, return the check, debit, or item, unpaid to the payee, and assess a Non-Sufficient Funds (NSF) Fee for each item; OR
    b. pay the check, electronic debit, or other item drawn against non-sufficient or unavailable funds in your checking account and charge you a Paid Non-Sufficient Funds fee (this may result in an overdraft/negative balance in your checking account). Please refer to our Fee Schedule.
  5. Termination of agreement: The credit union has the right to terminate the overdraft protection agreement at any time by sending a notice five (5) days in advance of the termination to your address of record.
  6. Unless there are special provisions for transfer to meet overdrafts, the Credit Union, at its sole discretion, can close your checking account without prior notice for repeated overdrafts or for your misuse of your account.
  7. Funds may be transferred from any account that you have designated, whether held individually or jointly and regardless of which party caused the overdraft.

Present Balance and Available Balance

Present Balance: Your "present balance" is the previous business day's ending balance, plus or minus the full amount of any transaction known to the credit union made during the current day (e.g., deposits, debit card transactions or ATM withdrawals); it does not include checks you may have written but have not been presented to the credit union.

Available Balance: Your "available balance" is the amount of the account's "present balance" that is available for immediate use. Certain pending transactions, such as deposits that contain checks, may not be immediately available and wouldn't be included in the available balance, as well as any pending debit card transactions that have been authorized but that have not yet posted to your account.

When you make a purchase with your debit card, the merchant may request prior authorization for the transaction. We generally place a temporary hold against some or all of the funds in the account linked to your debit card if and when an authorization request is obtained. We refer to this temporary hold as an “authorization hold,” and the amount of the authorization hold will be subtracted from your available balance. The amount of an authorization hold may differ from the actual transaction amount because the actual transaction amount may not yet be known to the merchant when the authorization request is submitted (such as a gas station purchase). We are permitted to place an authorization hold on your account for up to three (3) business days from the time of the authorization. If the transaction is not submitted for payment by the merchant within the specified time period, however, we will release the authorization hold, which will increase your available balance until the transaction is submitted for payment by the merchant and finally posted to your account.

The amount of funds in your account available for other transactions will be reduced by the amount of the authorization hold. If another transaction is presented for payment in an amount greater than the funds left after the deduction of the authorization hold amount, that transaction will be a nonsufficient funds (NSF) transaction if we do not pay it or an overdraft transaction if we do pay it. You will be charged an NSF or overdraft fee according to our NSF or overdraft fee policy.  Here is an example of how this can occur:

You have $120 in your checking account and you make a department store for purchase $50.  An authorization hold for $50 is placed on your account.  Your available balance for other transactions is $70 ($120 - $50= $70).  Later that day, another transaction you have authorized is presented for payment in the amount of $80 (this could be a check you have written, another debit card transaction, or an electronic debit). This $80 transaction is presented before the amount of the authorization hold is released (remember, it may take up to three days for the adjustment to be made). Because the transaction overdraws your account by $10 ($120-$50-$80 = $-10), your account will be assessed an overdraft fee.

We urge you to record and track all of your transactions closely to confirm that your available balance accurately reflects your spending of funds from the account linked to your debit card.

Recurring Fees on Previously Submitted Transactions
NSF fees may be imposed upon resubmitted items, meaning a check or debit transaction initiated by you and previously returned unpaid for insufficient funds may be resubmitted for payment by the depositing financial institution to Travis Credit Union. If funds are not available in your account you may be charged an additional NSF fee each time a check or debit transaction is resubmitted to your account for payment.

This credit union is federally insured by the National Credit Union Administration.

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