Sparta
608-269-8121
888-706-1228
Fax: 608-269-8120

West Salem
608-786-2420
Fax: 608-786-1025

Email: general@1stccu.com

Error Resolution Procedure
In Case of Errors or Inquiries about your statements

If you think your statement is wrong, or if you need more information about a transaction on your statement, write us at PO Box 167, Sparta, WI 54656 or PO Box 913, West Salem, WI 54669. We must hear from you no later than 60 days after we sent you the FIRST statement on which the error or problem appeared. You can telephone or e-mail us, but doing so will not preserve your rights.

In your letter, give us the following information:
1. Your name and account number.
2. The dollar amount of the suspected error.
3. Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are unsure about.

You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your statement that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question.

Electronic Error Resolution Notice
In case of errors or questions about your electronic transfers, call or write us at the telephone number or address listed in this brochure, as soon as you can, if you think you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the first statement on which the problem or error appeared.

1. Tell us your name and account number (if any).
2. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
3. Tell us the dollar amount of the suspected error.

If you tell us orally or via email, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days (20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account opened.

We will tell you the results within 3 business days after completing our investigation. If we decide that there was not an error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

1st Community Credit Union
PO Box 167
Sparta, WI 54656
608-269-8121 or 608-786-2420
Business Days: Monday through Friday
Excluding Federal Holidays