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Disclosures
Transaction Requirements
In Person Transaction Requirements
Photo identification: Driver's License, Work ID, State ID
Must Be A Member Of CPECU in good standing

Transaction receipt must be signed legibly for cash back

Withdrawal Limit
The Daily Cash Withdrawal Limit is $1,500.00
To request larger amounts, we must have at least 24-hour advance notice.  
To make a request, call Ramona Meadows at the Main Office at 216-241-1088, Ext 225 or Robert Lonzer at the Branch Office at 216-443-7290, Ext 203.
Special requests cannot be handled at a drive-thru.
Drive-Thru
The only transactions that can be performed at the drive-thru are: Deposits, Withdrawals, and Loan Payments.
Identification is required on all transactions, including drive-thru.
You must use your own pen.  Pens cannot be sent through the canister.
No coins of any kind are allowed in the canister.
Lobby Withdrawal & ATM Usage Fees
The first 10 lobby/drive-thru share withdrawals per quarter are free.
Any share withdrawals exceeding 10 per quarter are $5.00 each.
Your first 15 monthly ATM withdrawals are free.
Any ATM withdrawals exceeding 15 per month are $3.00 each.
Deposits and Point-Of-Sale transactions are free.

For a lost PIN, you must come into CPECU with a photo ID to receive a new PIN.
Fees
Non-Sufficient Funds (NSF) for Share & Share Draft Accounts are $30.00.
Stop Payment Fees are $25.00.
Check Cashing Fee: $5.00 fee per item unless the amount is on deposit in your Regular "A" Share Account OR you are an active user of other CPECU services, such as CPECU checking, ATM/Debit Card, Direct Deposit or Payroll Deduction, Club Accounts, or VISA.
CAUTION: Do not use gel pens or red ink to write out or endorse checks.

Please Be Aware Of Federal Regulation GG:
Unlawful Internet Gambling Enforcement Act (UIGEA) of 2006
The UIGEA prohibits gambling businesses from knowingly accepting payments in connection with unlawful Internet gambling, including payments made through credit cards, electronic funds transfers, and checks. Click here for complete details.
Please Be Aware Of Federal Regulation D Transaction Limits
Federal Regulation D states that for all Share Accounts, no more than six (6) preauthorized, automatic, telephone, or Internet transfers and/or withdrawals may be made from each account to another account of yours or to a third party in any month, and no more than three (3) of these six (6) may be made by official check or access card to a third party.
Please Note:
These limitations only impact electronic transactions and do not affect in person transactions. CPECU will be enforcing these limits in the near future. If these transaction limits present a problem, please open a CPECU Checking Account where there are no limits on these transaction types. Thank you!
USA Patriot Act - Identify Verification Notice
The purpose of the USA Patriot Act is to help protect you, your family and our country from terrorism by preventing terrorist financing. Section 326 of this Act requires our credit union to verify the identity of all new credit union members. We must also verify the identity of members and nonmembers who are added as signatories and who have access to new or existing deposit accounts and loans. We must also retain copies of documents used to verify your identity.
If you are an existing member who joined the credit union before the USA Patriot Act rules became effective we may also need to verify and retain copies of any documents used to verify your identity when you request a new deposit account, apply for a loan or are added as a signatory to a new or existing deposit or loan account.
Thank you for your patience and understanding as we work to support these efforts.
Privacy Statement
Cleveland Postal Employee Credit Union (CPECU) is owned by its members and is run by a Board Of Directors that members elect. You can be confident that your financial privacy is a top priority of this Credit Union. We are required by law to give you this privacy notice to explain how we collect, use, and safeguard your personal financial information.
CPECU collects nonpublic personal information about you from the following sources:
Information we receive from you on applications or other forms,
Information about your transactions with us or others, and
Information we receive from a consumer reporting agency.
We are committed to providing you with competitive products and services designed to meet your financial needs, which necessitates that we share information about you to complete your transactions and to provide you with certain financial opportunities.  In order to do so, we have entered into agreements with other companies that provide either services to us or additional financial products for you to consider.  Each of these companies has been approved by Credit Union's Board Of Directors.
We may disclose all of the information we collect as described above to other financial institutions with whom we have joint marketing agreements.
We may also disclose information we collect about you under other circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of our Credit Union, follow your instructions, or protect the security of our financial records.
If you terminate your membership with CPECU, we will not share information we have collected about you, except as permitted by law.
CPECU restricts access to nonpublic personal information about you to those employees who have a specific business purpose for using it.  Our employees are trained on the importance of maintaining confidentiality and member privacy. We maintain physical, electronic, and procedural safeguards that comply with federal regulations and leading industry practices to safeguard your nonpublic personal information.

If you ever have questions or concerns about the integrity of your account information, please contact us:
Cleveland Postal Employees Credit Union
P. O. Box 5877
Cleveland, OH 44101-0877
216-241-1088 o 1-800-562-6029