Account Disclosures

View our accounts


Online Account Advisor
Open a New Account
Account Rates

Membership Agreement

Click here for a printable PDF version of our Membership Agreement.

Account Card

Click here for a printable PDF version of our current Account Card Agreement.

Regulation D Notice

Click here for a printable PDF version of the current Regulation D Notice

Electronic Funds Transfer Agreement

Click here for a printable PDF version of our current Electronic Funds Transfer Agreement.

Overdraft Protection

Our discretionary Overdraft Protection service is available for all eligible checking accounts, which means fewer returned check charges when a mistake is made or when writing a check for more money than is available in your account. We will work with you to get you back on track by considering, without obligation on our part, payment of your reasonable overdrafts. Our normal non-sufficient funds or overdraft charges will apply to each item that was overdrawn.
 
Other Overdraft Protection Services
You can avoid non-sufficient fund fees simply by having funds automatically transferred from either your FirstLight savings account or a line of credit to cover any overdrafts in your checking account. Give us a call, e-mail us, or see us in person to see if you qualify!

Fee Schedule

Click here for a printable PDF version of our current fee schedule.

Funds Availibility Policy

Click here for a printable PDF version of our current Funds Availability Policy.

Privacy Policy

Click here for a printable PDF version of our current Privacy Policy.

USA Patriot Act Disclosure

Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. We will ask for your name, address, date of birth, and other information including valid identifying documents to identify you.