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Regulation E Notice


Thank you for your continued membership with Tandem Federal Credit Union. You are a valued member and we appreciate the opportunity to provide you with the financial services you require. The Federal Reserve Board recently passed new regulations requiring all financial institutions to obtain an "Opt- In" form from account holders to continue providing Overdraft Services on ATM and one-time debit card transactions clearing your account.

If we do not receive your signed "Opt-In" form, your current overdraft services with Tandem will soon not cover ATM and one-time debit card transactions. Please note the new regulations do not affect the current overdraft services that are provided on your ACH or Paper Check transactions. The changes will begin to affect your account on July 1, 2010. Providing Tandem Federal Credit Union receives the "Opt-In" form before July 1, 2010 you can ensure that you do not experience any changes in the services you are presently receiving. You have the option to opt-in or opt-out at anytime.

If you do not provide Tandem with the "Opt-In" form on the back of this letter, your ATM and Debit Card transactions will no longer be authorized if funds are not available. All transactions will be handled within the existing policies of your account.

In order to continue receiving the overdraft services that you currently receive, please complete the "Opt-In" form on the back of this document and return the form in the envelope provided to Tandem. You may also fax us the opt-in form to 586-759-5053. The enclosed Opt-In form and overdraft services information will provide you with more details about Tandem’s overdraft procedures. If you have any questions, feel free to call our Member Service Representative at 586-759-5050.