WNY FEDERAL CREDIT UNION
General Policy Statement:
It is the policy of Western New York Federal Credit Union (Credit Union) to deny basic financial services and access to Credit Union facilities or events for reasons related to: (1) a member’s abusive or threatening behavior to employees; (2) causing the Credit Union a loss or frivolous expense; (3) intentionally or otherwise perpetrating real or potential fraud on the Credit Union; or (4) any other reason that poses a safety or soundness threat to the Credit Union. A member may be denied any and all services offered by the Credit Union and such services may be terminated upon notification of the member. The member may be denied access to any Credit Union facility or event upon written or oral notice to them. A member will retain the right to have a savings (share) account and the right to vote at all annual and special meetings.
1. DENIAL FOR LOSS TO THE CREDIT UNION
A. What Constitutes a Loss. This list is non-exhaustive and is used only as an example of types of behavior that may be deemed as “losses” under this policy.
B. Services that may be Denied. All services may be denied; except the right to have a savings account and the right to vote in annual and special meetings, including but not limited to:
C. Notification of Denial of Services. Any denial of services must be approved by Management. The Credit Union will notify the member in writing or verbally of the denial of services and the reason(s) upon which the denial is based. If petitioned, the Credit Union will allow a member to request a reinstatement of services.
i. Members may be approved for a waiver of the Denial of Services policy by Management if they have caused a loss but are working to reaffirm their debt obligations.
D. Reinstatement & Appeal. A member seeking reinstatement of services must notify Management, or designee, in writing of the reasons for their request. Such a request may, at the discretion of Management, be supplemented by testimony either in person or in writing.
2. DENIAL FOR ABUSIVE AND THREATENING BEHAVIOR
A. Abusive Conduct. Including but not limited to:
3. NOTIFICATION TO MEMBERS OF DENIAL OF SERVICE POLICY.
The Credit Union shall notify all members of the Denial of Services Policy by providing the Policy on the Credit Union website as providing a copy of the Policy to members upon request.