Forms & Disclosures
Equal Employment Opportunity
USA Patriot Act Notice
Important Information About Procedures for Opening a New Account
To help the 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.
Agreements and Disclosures
Fee Schedule
Fees
We do our best to keep our fees low for our members, but unfortunately, they are a necessary part of doing business. Click “READ MORE” to see a list of our fees.
| Item | Fee (Effective 05/01/2024) |
|---|---|
| Account Below Par Fee1 | $5.00 per month |
| Christmas Club Account Early Withdrawal2 | $5.00 |
| Copy of Statement3 | $3.00 per item |
| Domestic Wire Transfer | $15.00 per transfer |
| Dormant Account Fee4 | $10.00 per month |
| Early Account Closure5 | $12.50 |
| Escheatment Fee6 | $50.00 |
| Gift Card | $2.50 each |
| Levy/Garnishment | $50.00 each |
| Cashier's Check or Money Order | $3.00 per instrument |
| Monthly Service Fee — Basic Checking7 | $3.00 each month |
| Non-CU Anytime ("Foreign") ATM Transaction | $3.00 per transaction |
| Non-Sufficient Funds (NSF) Fee8,9 | $35.00 per presentment |
| One-Time ACH Origination Fee | $15.00 each |
| Overdraft Fee8,9 | $35.00 per presentment |
| Replacement Debit Card Fee | $5.00 per card |
| Research Fee | $30.00 per hour |
| Returned Deposit Item Fee | $15.00 per item |
| Returned Mail Fee | $5.00 each month |
| Shared Branch Fee | $2.00 per transaction |
| Stop Payment | $30.00 per request |
1. Fee assessed for each monthly statement copy. Free through Online Banking.
2. If withdrawal occurs during the period of February 1st – October 31st.
3. Free through Online Banking or Mobile Banking.
4. Fee assessed after 12 months of account inactivity
5. Account closed within 90 days of opening.
6. Fee assessed at time funds are sent to The Zia Credit Union Foundation. Escheatment occurs on dormant/inactive accounts 5 years of inactivity.
7. Waived in each month in which you elect to receive your statements electronically.
8. Refer to the provision titled “Overdraft balance Calculation”, provided in the separate Agreement and Disclosures document for additional information.
9. Paid or Returned: Overdraft Fee. A fee may overdraft the account and result in additional fees. Fees include created by check, in-person withdrawal, ATM withdrawal, or other electronic means. An item presented more than once may be charged multiple fees.
Privacy Policy
Click “READ MORE” to see our privacy policy.
FACTS |
WHAT DOES ZIA CREDIT UNION DO WITH YOUR PERSONAL INFORMATION? |
|---|---|
Why? |
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. |
What? |
The types of personal information we collect and share depend on the product or service you
have with us. This information can include:
|
How? |
All financial companies need to share customers' personal information to run their everyday business. In the section below, We list the reasons financial companies can share their customers' personal information, the reasons Zia Credit Union chooses to share; and whether You can limit this sharing. |
Reasons we can share your personal information |
Does the Credit Union share? |
Can you limit this sharing? |
|---|---|---|
For our everyday business purposes— |
Yes |
No |
For our marketing purposes— |
Yes |
No |
For joint marketing with other financial companies |
Yes |
No |
For our affiliates’ everyday business purposes— |
Yes |
No |
For our affiliates’ everyday business purposes— |
No |
We don't share |
For nonaffiliates to market to you |
No |
We don't share |
| Questions? | Call (505) 662-4671 | |
| What we do | |
|---|---|
| How does Zia Credit Union protect my personal information? | To protect Your personal information from unauthorized access and use, We use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. |
| How does Zia Credit Union collect my personal information? | We collect Your personal information, for example, when You
|
| Why can’t I limit all sharing? | Federal law gives you the right to limit only
|
| Definitions | |
|---|---|
| Affiliates | Companies related by common ownership or control. They can be financial and nonfinancial companies.
|
| Non-Affiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies.
|
| Joint marketing | A formal agreement between non-affiliated financial companies that together market financial products or services to You.
|
Revised Dec. 2010
Billing Rights & Error Resolution
Your Billing Rights and Error Resolution
Click the “READ MORE” link below to see the Billing Rights and Error Resolution notice.
This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act.
Notify us in case of Errors or Questions about your Statement.
If you think your statement is incorrect or if you need more information about a transaction on your statement, write us at PO Box 490, Los Alamos, NM 87544. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first statement on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights.
In your letter (1) Tell us your name and account number (2) Describe the error or transfer you are unsure about and explain as clearly as you can why you believe there is an error or why you need more information (3) Tell us the dollar amount of the suspected error. We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will re-credit your account for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation.
In case of Errors or Questions about your Electronic Transfers (for consumer1 accounts only).
Write us at the above address, or call us at (800) 392-7629 as you can, if you think your statement or receipt is wrong or if you need more information about a transfer on the statement or receipt. We must hear from you no later than 60 days after we sent you the first statement on which the error or problem appeared. (1) Tell us your name and account number (if any). (2) Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. (3) Tell us the dollar amount of the suspected error. We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation.
1Consumer accounts are those used primarily for personal, family, or household purposes.
Notify us in case of Errors or Questions about your Bill (Loan Statement).
If you think your bill is wrong, or if you need more information about a transaction on your bill, write us at PO Box 490, Los Alamos, NM 87544, as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights.
In your letter, give us the following information (1) Your name and account number (2) The dollar amount of the suspected error (3) Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the portion that are not in question. While we investigate your question(s), we cannot report you as delinquent or take any action to collect the amount you question.
Special Rule for Credit Card Purchases.
If you have a problem with the quality of goods or services that you purchased with a credit card and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the goods or services. You have protection if (a) You made the purchase in your home state or, if not within your home state, within 100 miles of your current mailing address; and (b) The purchase price was $50 or more. These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services.
Your Rights and our Responsibilities after we receive your written notice.
We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we believe the statement was correct. After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to send statements to you for the amount you question, including finance charges, and we can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your statement that are not in question.
If we find that we made a mistake on your statement, you will not have to pay any finance charges related to any questioned amount. If we didn’t make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due. If you fail to pay the amount we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within 10 days telling us that you still refuse to pay, we must tell anyone that we report you to that you have a question about your statement. And, we must tell you the name of anyone we reported you to. We must tell anyone that we report you to that the matter has been settled between us when it finally is. If we don’t follow these rules, we can’t collect the first $50.00 of the questioned amount, even if your statement was correct.
PO Box 490, Los Alamos, NM 87544 (800) 392-7629 | ziacu.org | Federally Insured by NCUA
Website Privacy Notice
Click the “READ MORE” button to see our website privacy notice.
Our Online Privacy Practices
Keeping financial and personal information secure is one of our most important responsibilities. Zia Credit Union is committed to protecting the information of our members and other visitors who use our website. We value your trust and handle all personal information with care. As with information we collect through other means, we use the information you provide online to respond to your needs, service your accounts, and provide you with information about other services.
Secure Transmissions
To ensure information remains confidential, Zia Credit Union uses encryption technology such as Secure Socket Layer (SSL) to protect information you enter and submit from our website.
Email Security
Regular Internet email is not secure. You should never provide information that is sensitive or confidential such as your social security number, account number, or PIN through unsecured email. We ask that you do not send personal or account Information through regular email. provides a method of sending a secure email to the credit union by accessing our “Secure Contact Session” found under the “Contact Us” tab of our website.
Cookies
A cookie is a small piece of information that a website stores directly on the computer you are using. Cookies may contain a variety of information from a simple count of how often you visit a website to information that allows customization of a website for your use. Zia Credit Union uses cookies to gather data about the usage of our website and to ensure that you have access to your account information. Anytime a cookie is used, personal information is encrypted for our use only and is protected from third-party access (a cookie cannot be read by a website other than the one that sets the cookie).
Linking to Other Sites
To provide you with easy access to information, Zia Credit Union may provide links to other websites such as mortgage companies, insurance companies, and government agencies. These links are provided as a convenience to our members. We do not guarantee or endorse any of the content in these links, and Zia Credit Union does not represent either the third party or the member if the two enter into a transaction. The privacy and security policies on these linked websites may differ from those practiced by Zia Credit Union. We encourage you to read the privacy policies of all websites you visit, especially before providing any personal non-public information.
Accessibility Statement
ZIA Credit Union is committed to providing a website that is accessible to the widest possible audience, regardless of technology or ability. We are actively working to increase the accessibility and usability of our website and in doing so adhere to many of the available standards and guidelines.
ZIA Credit Union does not discriminate on the basis of religion, age, race, color, national origin, gender, marital or parental status, or disability. In order to further our commitment to nondiscrimination, we are working to ensure our site conforms to level Double-A World Wide Web Consortium (W3C) Web Content Accessibility Guidelines (WCAG) 2.1. Such guidelines detail best practices for ensuring assistive technology users can access the site. The guidelines also make the site more user friendly for all people.
Should anyone find information or functionality which is inaccessible, please contact us at (800) 392-7629. We will make every reasonable effort to accommodate.