Use or maintenance of an account established under this Agreement shall constitute acceptance, of any new, additional or other terms established pursuant to such notice. All rights, obligations, and duties under this contract shall be determined by the District of Columbia law. Fees may be deducted from your account balance as and when they become due. The fees in this agreement set forth certain conditions, fees and charges applicable to your accounts at the Credit Union.
All fees are subject to change.
Each depositor shall be jointly and severally liable for any liabilities of the account, including reimbursement of overdrafts. Any error in the listing or posting of an item or deposit may be corrected at any time after its discovery. Statements will be mailed periodically to your last address shown on the Credit Union's records. You agree to hold the Credit Union harmless from liability for processing delays occasioned by your failure to reserve adequate space for bank endorsements on the back of any check deposited with the Credit Union. If the Account Agreement is signed by more than one person, the persons signing shall be the joint owners of all accounts established hereby and shall be subject to the further provisions of the Joint Account Agreement which appear in this brochure and subject also to the additional terms and provisions of this Agreement.