Checking Accounts (top) 

The Mountain Laurel FCU Share Draft Checking Account is easy to open and requires no minimum balance, no monthly fees, and no per check fees.  You will receive a monthly statement.    

When you open your share draft checking account you'll receive 12 free starter checks that day and the first box of  50 checks are free of charge.

The credit union offers low or no fees on checking account services:
           $2.00 for a copy of a check
           $4.00 for stop payment
           $20.00 for NSF (Non-Sufficient Funds)
           3 Free Overdraft Transfers, per month, from savings to avoid NSF.

Overdraft Protection (top) 

The credit union will transfer, at no charge, from your savings account to your checking account a maximum of three times per month to cover non-sufficient funds in your checking account, if the funds are available from your savings account. 

Debit Cards (top) 

Debit Cards thru MasterMoney are available thru the credit union. If you would like to receive a card, you need to have a share draft checking account with the credit union for at least three months with no insufficient funds activity, or have a current card with another institution. 

The debit cards can be used at most ATM machines in the area. Please check the back of your debit card for the company  logo's that will accept your card and match it with the logo's on the machine you would like to use.  Please be advised that the ATM's Institution may charge a fee to use their ATM.

Loan Services (top) 

When you need cash, come to Mountain Laurel FCU first. We've got the cash for all your needs:  new and used cars, home improvements, debt consolidations, vacations, taxes and any emergency.

A credit union loan may actually cost you less. Our interest rate is calculated on the unpaid balance, so you could pay substantially less interest if you pay it back before the maturity date.

There are no hidden charges or penalties for early payoffs. We'll even help set up a comfortable repayment plan using payroll deduction.

Qualified borrowers may be approved on signature alone. 

Payroll Deductions (top) 

If sticking to a regular savings plan is as difficult as sticking to a diet, Mountain Laurel FCU has a solution. It's called payroll deduction. With it, you pay yourself first. Savings can be effortless with a regular deduction from your paycheck directly into your credit union account.
You can use payroll deduction to add to your regular share, vacation or Christmas account, to your Share Draft Account, or to make a loan payment. You'll be surprised how quickly your savings add up.

Come in today and complete the simple form required to begin payroll deductions. You can change your deduction at any time you want as well as the allocation of funds. You too can stick to a savings plan! Simply sign up for payroll deduction today at your credit union!

Savings (top) 

The Mountain Laurel FCU makes savings as painless as possible with a variety of savings plans:

• Regular Share Accounts - Minimum balance is $5.00, and this may be a joint account. The dividend is paid quarterly.

• Christmas Club Accounts - There is no minimum balance. The dividend is paid quarterly. Use this account and give yourself the gift of the holiday season...CASH!
  Early October we will transfer this account balance to your regular share account.

• Vacation Club Accounts - There is no minimum balance and the dividend is paid quarterly.

• Share Certificates -6, 12 and 24 month  certificates are available with the minimum balance of $500.00. Dividends are paid at maturity or monthly into your share savings account.

• IRA's - Traditional, Roth and Educational IRA's are available at the credit union with no minimum deposit.

Direct Deposit (top) 

There just aren't enough hours in the day to get everything done. By using Direct Deposit you can have your entire check deposited into your credit union account.

New Service from Master Card

Master Card Secure Code (top) 

MasterCard SecureCode enhances your current MasterCard account with a secret code to protect against unauthorized use of your card when you shop at participating merchants. Click on the link below for more information.

Voice Response Unit - VRU (top) 

The Voice Response Unit or VRU is a convenient way to access information about your accounts at Mountain Laurel FCU. The VRU number will give you account balance information, let you make transfers from shares under the same account number, request withdrawals and check loan information. All you have to do is call (814) 834-4874 or Toll-Free at 1-877-286-5328, from any touch tone phone, and have available your account number and access code. Within seconds you'll have the latest information available on your accounts.

On Line Bill Payment System (top) 

The Credit Union is happy to be able to provide members with a new on line bill payment system thru Mid Atlantic.  With your new online bill payment system you can pay as many bills as you would like and will only be charged $5.00 per month. This charge will be pulled from your checking account the following month.    

Stop into the Credit Union for an application.

Other Services (top)

Policies - Copies Available Upon Request - Contact the Credit Union for details! 

Check 21 Disclosure Notice - Substitute Checks and Your Rights. 

What is a substitute check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "substitute checks." These checks are similar in size to original checks with a  slightly reduced image of the front and back of the original check. The front of a substitute check states: This is a legal copy of your check. You can use it the same way you would use the original check. You may use a substitute check as proof of payment just like the original check. 

Some of the checks you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks. This notice describes rights you have when you receive substitute checks from us.  The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other laws with respect to those transactions.  

• What are your rights regarding substitute checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think we withdrew money from your account more than once for the same check).  The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees.) The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your refund if your account is an interest bearing account.  If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other laws. If you use this procedure, you may receive you may receive up to $2,500 of your refund (plus interest if your account earns interest) within 10 business days after we receive your claim and the remainder of your refund (plus interest if your account earns interest) no later than 45 calendar days after we receive your claim. We may reverse he refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account.

• How do I make a claim for a refund? If you believe you have suffered a loss relating to a substitute check that you received and that was posted to your account, please contact us at: Mountain Laurel Federal Credit Union, PO BOX 193, St. Marys, PA 15857, 814-834-9518 or email us at mlfcu@windstream.net. You must contact us within 40 calendar days of the date that we mailed (or otherwise delivered by a means to which you agreed) the substitute check in question or the account statement showing that the substitute check was posted to your account, whichever is later. We will extend this time period if you are not able to make a timely claim because of extraordinary circumstances.

Your claim must be...

• A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect. 

• An estimate of the amount of your loss.

• An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss: and

• A copy of the substitute check (and/or) the following information to help us identify the substitute check: (identifying information, for example the check number, the name of the person to whom you wrote the check and the amount of the check.

If you have any questions concerning Check 21, please contact a staff member or call Mountain Laurel Federal Credit Union at 814-834-9518.   

Patriot Act of 2001

As required by the USA Patriot Act of 2001, which requires Mountain Laurel FCU to help government fight the funding of terrorism and money laundering activities, the Mountain Laurel FCU must obtain basic information when you open a new account. This means that Mountain Laurel FCU staff will ask you for some basic information such as your name, address, date of birth and other information designed to help us identify you. The Mountain Laurel FCU staff may also ask to copy documents identifying you too, such as a driver's license, passport or some other government issued document. The Mountain Laurel FCU appreciates your patience and understanding as we all do our part in complying with the new account identification procedures required by the Federal USA Patriot Act of 2001. 

Mountain Laurel Federal Credit Union Privacy Notice

The Mountain Laurel Federal Credit Union is committed to providing you with financial products and services to meet your needs and help you reach your financial goals. We are required to give you this privacy notice. If, after reading this notice you have any questions, please contact us at 1-814-834-9518.

What follows is a description of the information we collect and disclose, including the parties who receive nonpublic information from us as we conduct business of the credit union. This notice also explains your right to inform us if you do not want us to disclose certain information about you to other parties. 

Information we collect about you....

We collect information about you from the following sources:

• Information we receive from you on applications and other forms

• Information about your transactions with us or others

• Information we receive from a credit reporting agency

• Information obtained when verifying the information you provide on an application or other forms. This may be obtained from your current or past employers, or from other institutions where you conduct financial transactions.

We may disclose all of the information we collect, as described above.

Parties who receive information from us.  

We may disclose nonpublic personal information about you to the following types of third parties:

• Financial companies, such as insurance companies and mortgage service companies; and

• Non-financial companies, such as, consumer reporting agencies and retailers.

Disclosure of Information to Parties that Provide Services to Us. 

We may disclose all of the information we collect, as described above to the companies that perform marketing or other services on out behalf or to other financial institutions with whom we have joint marketing agreements. We only work with companies who agree to maintain strong confidentiality protection and limit the use of the information we collect, as described above. We may also disclose information about you under other circumstances as permitted bylaw. These disclosures typically include information to process transactions on your behalf, conduct the operations of our credit union, follow your instructions as you authorize or protect the security of our financial records. 

Disclosure of Information about Former Members

If you decide to terminate your membership with Mountain Laurel Federal Credit Union, we will not share the information we have collected about you, except what may be permitted or required by law. 

How to Stop or "Opt Out" of certain Disclosures About you.  

• It takes only one joint account owner to exercise an opt-out right.

• The credit union can not require all joint owners to opt out.

If you prefer that we do not disclose nonpublic personal information about you to non-affiliated third parties, You may opt out of those disclosures, this is, you may direct us not to make those disclosures (other than those permitted by law). If you wish to opt out of disclosures to nonaffiliated third parties, you may select one of the following. 

Stop into the credit union and ask for the opt out form. Or call our Opt Out Phone Line at 1-800-721-3709 and a form will be sent to you.  You may opt out of these disclosures at any time. Once we receive your request, we have a reasonable amount of time to stop the disclosure. You may always contact us for assistance if you wish to later revoke your opt out election.

Note that this opt out, by law, will not apply to disclosures that are legally  permitted or to disclosures we make to companies that perform services on our behalf or to other financial institutions which we endorse and that have joint marketing agreements with us. 

How We Protect Your Information   

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.  

What Members Can Do to Help

Mountain Laurel  Federal Credit Union is committed to protecting the privacy of its members. Members can help by following these simple guide lines:

• Protect your account numbers, card numbers, PINS (personal identification numbers) and passwords. Never keep your PIN with your debit or credit card which can provide free access to your accounts if your card is lost or stolen. 

• Use caution when disclosing your account numbers, social security numbers, etc. to other persons. If someone calls you, explain the call is on behalf of the credit union and asks for your account number, you should be ware. Official credit union staff will have access to your information and will not need to ask for it.

•  Keep your information with us current. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use of an account, we will contact you immediately. If your address or phone number changes, please let us know. 

• Let us know if you have questions. Please do not hesitate to call us - we are here to serve you!.