Terms of Use

Our rules to protect you.

Terms & Conditions

BCU Illinois Community Investment Act Notice (ILCRA), Effective: February 1, 2025
Business Member Service Agreement, Effective: September 1, 2023
California Privacy Policy, Effective: September 20, 2024
Consumer and Real Estate Line of Credit Statement of Billing Rights Disclosure, Effective: January 1, 2024
Consumer Member Service Agreement (formerly known as Deposit Account Agreement and Schedule of Fees), Effective: January 1, 2025
Cookies and Pixels Policy, Effective: April 6, 2023
Disclosure Regarding Balance Calculation and Overdrafts, Effective: March 15, 2019
Privacy Notice, Effective: January 1, 2025
Privacy Policy, Effective: April 6, 2023

Online Service Agreements

Check Free Privacy Policy, Effective: November 22, 2019
Deposit Anywhere Service Disclosure and Agreement, Effective: June 25, 2019
Online Banking End User Agreement, Effective: July 31, 2017
Online Bill Pay Terms and Conditions, Effective: July 21, 2017
Online Communications Terms and Conditions, Effective: December 31, 2009
SavvyMoney® Terms of Service, Effective: April 16, 2024
Social Media Disclosure, Effective: January 01, 2018
Transfer to/from Other Institutions Disclosure, Effective: February 1, 2017

Other Account Agreements and Updates

Cash Rewards Visa® (Platinum) CURewards® Program Rules, Effective: May 1, 2025
Cash Rewards Visa® (Signature) CURewards® Program Rules, Effective: May 1, 2025
Membership Expulsion Policy, Effective: June 1, 2007
Notice of Change to the Electronic Funds Transfer Act (Reg. E), Effective: August 15, 2010
Puerto Rico and Secured Credit Card Agreement, Effective: November 15, 2024
Travel Rewards Visa® CURewards® Program Rules, Effective: May 1, 2025
US Unsecured Credit Card Agreement, Effective: November 15, 2024

BCU Illinois Community Reinvestment Act

The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial services needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged. You may obtain a copy of our evaluation. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department.

BCU Illinois Community Reinvestment Act Notice (ILCRA), Effective: February 1, 2025