Member Application and Agreement

We look forward to helping you become a member at EMCCU! To complete this application quickly and efficiently, we suggest you have the following documents available:

  • A copy of a valid or non-expired state-issued identification card (or driver’s license) in a JPEG or PDF format
  • A copy of a recent utility bill, paystub or W-2 in case your current address doesn't match your driver's license or state-issued ID

Please contact us if you have any questions!

(*) indicates a required field
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If you are under the age of 18, you can still apply, but a parent or guardian over the age of 18 must also apply as a joint applicant.

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You must agree to the disclosures to proceed!
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You must agree to the disclosures to proceed!
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Please enter your primary phone number
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Please provide your valid driver's license, state ID or Passport information.

Please provide two forms of valid ID. This could be your foreign passport or green card or valid government-issued identification.

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Please make sure you submit a photo (JPG) or scan (PDF) of your valid form of ID. Make sure your information is clearly visible. Please be sure the PDF does not exceed 5MB.

The PDF/photo must include following information: Photo, Full Legal Name, ID Number, Expiration Date, County of Origin (if applicable).

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Please note you may be asked to provide proof of employment, school registration or church affiliation to complete the application process.

Joint Owner Information

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You must agree to the disclosures to proceed!
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Please provide your valid driver's license, state ID or Passport information.

Please provide two forms of valid ID. This could be your foreign passport or green card or valid government-issued identification.

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Please make sure you submit a photo (JPG) or scan (PDF) of your valid form of ID. Make sure your information is clearly visible. Please be sure the PDF does not exceed 5MB.

The PDF/photo must include following information: Photo, Full Legal Name, ID Number, Expiration Date, County of Origin (if applicable).

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Payable-On-Death Account Beneficiary Designation

In the event of my death, or if there is more than one owner of this account, in the event of death of all the owners, the owner(s) hereby designate as my/our beneficiary(ies) to receive all sums in my/our account established on this form. 

Please note: If you elect multiple beneficiaries and you do not allocate percentages to each beneficiary, the funds will be split equally among the surviving beneficiaries.

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Please note the percentages allocated to your beneficiaries must equal 100 percent in order to submit your application.

Checking Overdraft Protection

Checking Account overdrafts can be covered in several different ways:

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Courtesy Pay

Courtesy Pay is a service available on checking accounts that allows us to pay an item presented for payment against your checking account even if it causes the account to become overdrawn. The fee is $28 and this service is available to you after your account has been established for 90 days. 

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Member Link Audio Response Account Access

24-hour access to my accounts by Member Link (Audio Response) will automatically be established unless declined by me. A Personal Identification Number (PIN) will be established by calling Member Link.

Taxpayer Identification Number Certification and Backup Withholding Information

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You have answered that you are NOT a US citizen. Please provide a completed IRS W-8 BEN Form.

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We will be unable to open an Account for You without a taxpayer identification number.

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Agreement

I hereby apply for membership in El Monte Community Credit Union (EMCCU) with this application and certify that I qualify for membership based on the eligibility stated in this application. I further understand that to continue my membership in EMCCU, I must maintain an EMCCU deposit account. I authorize you to gather whatever credit, checking account and employment information you consider appropriate from time to time. I understand that this will assist you in determining my initial and ongoing eligibility for an account. I authorize you to give informaton concerning your experience with me to others. THIS INSTITUTION IS NOT FEDERALLY INSURED, AND IF THE INSTITUTION FAILS, THE FEDERAL GOVERNMENT DOES NOT GUARANTEE THAT DEPOSITORS WILL GET BACK THEIR MONEY. MEMBER SAVINGS ARE INSURED UP TO $250,000 PER ACCOUNT BY AMERICAN SHARE INSURANCE, THE NATION'S LARGEST PRIVATE DEPOSIT INSURERS.

Acknowledgement of Receipt Disclosure

By signing the Membership Application and Agreement, I acknowledge that I have received a copy of the Credit Union's Truth-in-Savings Disclosure and Electronic Services Disclosure and Agreement and that I have received a copy of the current Rate Sheet and Fee Schedule. I agree to be bound by the terms and conditions of the Credit Union's Account Agreement(s) and any amendments thereto. I understand that any new account information will be verified. Note: The Internal Revenue Service does not require your consent to any provision of this document other than the certifications required to avoid backup withholding. 

Important Information About Procedures for Opening a New Account: To help 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 for you: when you open an account, we will 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. 

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Your savings insured to $250,000 per account. This institution is not federally insured, or insured by any state government.