Disclosures
The disclosures applicable to your accounts at Lanco Federal Credit Union are available below and are accurate as of 7/16/2018. If you have any questions or would like to request a copy of current disclosures, please call (717) 569-7180 or visit any branch.
- Account Disclosures
- Contents: Notice for New Accounts, Joint Share Account Agreement, Checking Account Agreement, Funds Availability Policy, Overdraft Coverage Options: Overdraft Transfers and Overdraft Privilege, Regulation D, Regulation E (Electronic Funds Transfer Agreement & Disclosure), and Truth-in-Savings Disclosures
- Rate and Fee Schedule
- Privacy Notice
- Lanco Federal Credit Union Online Banking Service Agreement
- Lanco Federal Credit Union Mobile Banking Service Agreement
- Truth in Savings Disclosure for Certificates
Dormant Account Information
Lanco FCU would like to make you aware that if your account has not experienced activity for at least 12 months, it is classified as dormant (inactive) and is subject to a Dormant/Inactive fee of $5.00 per month. You may easily reactivate your account and avoid this fee by making a deposit or withdrawal to your account. State law requires that account balances be surrendered or escheated to the state if the owner has not generated account activity within three years.
Transaction Limitations Under Regulation D
Federal Regulation D limits the number of pre-authorized, automatic, or electronic transfers (including online banking and telephone banking) from your deposit accounts (such as savings, club, and money market accounts) to another account of yours or to a third party to no more than six per account per month. These limitations do not apply to checking accounts. Learn more about Regulation D on page 9 of the Account Disclosures.
Website Accessibility
At Lanco Federal Credit Union, we are improving the accessibility and usability of our website for our members and potential members. Our efforts are based on the standards for Web Content Accessibility Guidelines 2.0. It is our policy to ensure that persons with disabilities have full and equal opportunity to benefit from the services on our website and on other online services. If you have any questions or need help with any content on our website or online services, please contact Janine M. Rispoli, HR Manager/Compliance Officer at (717) 569-7180 ext. 118 or jrispoli@lancofcu.com.