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Notices & Patriot Act

Membership Accounts Agreement Booklet For more information on Accounts, Overdrafts, Funds Availability, Check Holds, Electronic Fund Transfers, and Truth-in-Savings please refer to your Membership Accounts Agreement Booklet that you received at account opening.  If you would like a copy of the Membership Accounts Agreement Booklet please contact CPCU and we will mail you a copy.

Promotional Loans (Switch & Ditch, Holiday Loans etc.) may not be combined with any other offer.


USA Patriot Act

The USA Patriot Act requires financial institutions to implement identification procedures.
We are required to obtain certain identification, verify the accuracy of that identification and keep copies that identify all persons who open an account.   

In accordance with Section 326 of the USA Patriot Act, Carolina Postal Credit Union is required by law to:

  • Verify the identity of any person opening an account
    (which includes Trust, Investments, Safe Deposit,
    Loans and Deposit Accounts).
  • Obtain your name, address, date of birth, and
    identification number
  • Maintain records of the information used to verify the
    person's identity including name, address and other
    identifying means.

Carolina Postal Credit Union follows this law by obtaining picture identification and verifying other information obtained.  In some cases, identification will be requested for those with relationships with Carolina Postal Credit Union prior to October 1, 2003 because original documentation was not obtained with the opening of the account. In all cases, protection of your identity and confidentiality is our pledge to you.


Important Notice: 
For your convenience, 26 North Carolina Shared Service Centers are available for deposits & withdrawals to your account.   Due to increased fraud and identity theft, these centers/outlets take extra precautions for your protection  Check-holds are placed on ALL Service Center deposits and cannot be released by CPCU.  Traveling?  There are nearly 3,000 Shared Service Centers through-out the United States!  For a list of the Shared Service Centers near you please click here.

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