Savings

Regular Savings Account

Opening our Regular Savings account establishes your membership at Greater Pittsburgh Police FCU. This account can be opened with a minimum deposit of $5.00 and you will earn competitive dividends on your funds when there is an average daily balance of $100.00 or more.

Dividends are calculated from the day of deposit and are paid quarterly.

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Holiday Club

Do bills make your holiday less than joyful?

Greater Pittsburgh Police FCU Holiday Club is a convenient way to save for the holidays. Our Holiday Club account earns dividends with an average daily balance of $0.01 or more and can be opened at any time during the year. For Holiday Club Accounts, the entire balance will be transferred to another account of yours on or after October 1st and the account will remain open.

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Checking/Share Draft Account

FEATURES:

• No minimum balance requirements
• No monthly fee
• Visa Debit Card (subject to approval)
• Online & Mobile Banking
• Bill Pay
• Mobile Deposit
• Deposits can be made through direct deposit, ATM, by mail, in person at the branch
• Free access to all Allpoint Network ATMs
• Unlimited check writing

For a lost or stolen debit card, please call 1-844-773-0983

Share Certificate

Share Certificate are a great way to earn a higher interest rate on money that you don’t need to access immediately. Share Certificate provide a low-risk savings/investment option with a guaranteed return.

• Earn higher interest rates than standard share accounts
• Term lengths from 6, 12 or 36 months
• Minimums deposits from $500
• Call for current interest rates
• Federally insured by the NCUA up to $250,000
• No maintenance or set up fees

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Funds Availability Policy

This disclosure describes your ability to withdraw funds at Greater Pittsburgh Police Federal Credit Union. It only applies to the availability of funds in your transaction accounts (e.g., checking accounts). We reserve the right to delay the availability of funds deposited to accounts that are not transaction accounts for periods longer than those outlined in this disclosure. Please ask us if you have a question about which accounts are affected by our availability policy.

For purposes of this disclosure, the terms "you" or "your" mean the member, and the terms "our," "we," or "us" mean Greater Pittsburgh Police Federal Credit Union. The term "check" means check or share draft, as applicable.

1. YOUR ABILITY TO WITHDRAW FUNDS - 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. Once they are available, you can withdraw the funds in cash, and we will use the funds to pay checks that you have written. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays.

If you make a deposit before close of business on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after the close of business or on a day we are not open, we will consider that the deposit was made on the next business day we are open. Our business hours are available at the Credit Union.

2. LONGER DELAYS MAY APPLY - 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. Depending on the type of check you deposit, funds may not be available until the second business day after the day of your deposit. The first $275.00 of your deposits, however, may be available on the first business day after the day of your deposit. If we are not going to make all of the funds from your deposit available on the same business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. 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 send you the notice by the day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available.

In addition, funds you deposit may be delayed for a longer period under the following circumstances :

• We believe a check you deposit will not be paid.
• You deposit checks totaling more than $6,725.00 on any one day.
• You redeposit a check that has been returned unpaid.
• You have overdrawn your account repeatedly in the last six months.
• There is an emergency, such as failure of computer or communications equipment.

We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.

3. SPECIAL RULES FOR NEW ACCOUNTS – If you are a new member, the following special rules will apply during the first 30 days your account is open.

Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $6,725.00 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state, and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $6,725.00 will be available on the ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $6,725.00 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available on the thirteenth business day after the day of your deposit.

4. HOLDS ON OTHER FUNDS FOR CHECK CASHING – If we cash a check for you that is drawn on another financial institution, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it.

5. HOLDS ON OTHER FUNDS IN ANOTHER ACCOUNT - If we accept for deposit a check that is drawn on another financial institution, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited.

6. DEPOSITS AT NONPROPRIETARY AUTOMATED TELLER MACHINES (ATMs) - Funds from any deposits (cash or checks) made at ATMs we do not own or operate will not be available until the fifth business day after the day of your deposit. This rule does not apply at ATMs that we own or operate. All ATMs that we own or operate are identified as our machines