Membership Application

In order to obtain your signature authorizing NJFCU to process this application, you must print, sign and mail this Membership Application and TWO forms of identification listed below: Driver's license, ID provided by your employer, military identification, nursing license, identification provided by a university, county photo id and seal, passport, boat license, identification from your club or gym with photo and signature, alien registration card, U.S. citizenship documents or card; and bring them to NJFCU.

Main Owner
Co-Owner
Eligibility

Certification - Under penalty of perjury, I certify that:
(1) the Taxpayer Identification Number (or Social Security) provided in this application is correct; (2) I am not subject to withholding income tax because the Internal Revenue Service (IRS) has not informed me that I am subject to withholding income tax for failing to report interest or dividends, or because the IRS has notified me that I am no longer subject to such withholding tax (this does not apply to real estate transactions, mortgage interest payments, acquisition or abandonment of property in guarantee, contributions to an individual retirement account (IRA), and payments other than interest and dividends.)

Certification Instructions - You should cross with an X paragraph (2) of the previous part if you have been notified by the IRS that you are currently subject to withholding tax because of failure to report all interest or dividends on your tax return.

I hereby apply for membership in NJFCU, and agree to abide by its rules and statutes and their amendments, which I have received a copy of, and to sign up for at least one (1) share. If a group life insurance is related to my account, I agree, considering that the credit union has such insurance, that any designation or change of beneficiary made ??by me alone will only oblige NJFCU, if I have asked NJFCU before my death, such designation or change of beneficiary, must be in writing, signed by me, in the form provided by the NJFCU Credit Union, and in case of an omission in submitting the nomination form or change of beneficiary, I agree, for myself, my heirs, and so on., to indemnify and hold harmless the Union of all losses or damages caused by the disbursement of such insurance to the person who the union has as beneficiary.

The IRS does not require your consent to obtain any provision of this document, only the certifications required to avoid withholding tax.

JOINT ACCOUNT AGREEMENT (* NOT TRANSFERABLE)

NJFCU hereby is authorized to recognize any of the signatures subscribed in the payment of funds or transactions or negotiations of this account. The co-owners of this account hereby agree with each other and with the credit union that all sums paid for the shares, present and future by one or all of the co-owners are acquired ownership with all accumulations, they are and will be jointly owned by all them, with right of survivorship, subject to withdrawal or receipt of any of them, and payment to any of them or the survivor or survivors shall be construed as valid and disclaims responsibility for such payment to the credit union. The joint owners also agree to the terms and conditions of the account as established by the credit union from time to time.

All or any of the co-owners may offer all or part of the shares in this account as guarantee for a loan or loans from our credit union.

The right or authority conferred on the credit union under this agreement can not be changed or terminated by said owners, or any of them except by written notice to the credit union it will not affect transactions previously made.

X___________________________________________________
Applicant's Signature and Date of Application

X___________________________________________________
Co-Applicant's Signature and Date of Application

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the government in combating terrorist financing and money laundering activities, federal law requires all financial institutions to obtain, verify and archive all information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth and other information that lets us identify you. We may also ask you to present your driver's license or other identity documents.

A minimum balance of $ 50 is required in your savings account to maintain your membership.

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