Account Disclosure & Tutorials

On this page, you will find web links to our account disclosures. Feel free to download and save these disclosures for your reference, or to bookmark this page to revisit in the future.

Disclosures Applicable to All Accounts

• E-Sign Disclosure
• Funds Availability Policy
• Privacy Notice
• Rate and Fee Schedule 
• Arbitration Agreement & Class Action Waiver
• Online Banking Agreement
• How your Accounts are Federally Insured

Disclosures Applicable to Consumer Accounts Only

• Consumer Account Agreement
• Consumer Electronic Funds Agreement
• Consumer Overdraft Disclosure

Disclosures Applicable to Small Business Accounts Only

• Small Business Account Agreement
• Small Business Electronic Funds Transfer Agreement
• Small Business Overdraft Disclosure

Video Tutorials

How to Register for Online Banking | NCD CU

Bill Pay Tutorials

What is Bill Pay?

Getting Started with Bill Pay

Frequently Asked Questions about Bill Pay