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	I am applying for:   Checking Account MAC ATM Card Checking Account and MAC ATM Card   Primary Owner   Name Social Security # (Tax ID#) Type Of ID ID # Home Address City State  AK AL AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KS KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV NY OH OK OR PA RI SC SD TN TX UT VA VT WA WI WV WY Zip Date of Birth (mm/dd/yyyy) Family Member Of Home Phone (xxx-xxx-xxxx) Employed By (include location) Work Phone E-mail   Joint Owner   Name Social Security # Type Of ID ID # Date of Birth Home Phone Work Phone   Submitting This Application   The Credit Union is hereby authorized to recognize any of the signatures subscribed below in the payment of funds or the transaction of any business for this account. The joint owners of this account hereby agree with each other and with the Credit Union that all sums now paid in on shares, or heretofore or hereafter paid in on shares by any or all of said joint owners to their credit as such joint owners with all accumulations thereon, are and shall be owned by them jointly, with right of survivorship and be subject to the withdrawal or receipt of any of them, and payment to any of them or the survivor shall be valid and discharge the Credit Union from any liability for such payment. The right or authority of the Credit Union under this agreement shall not be changed or terminated by said owners, or any of them except by written notice to the Credit Union which shall not affect transactions theretofore made. I/We hereby authorize the SAKS FIFTH AVENUE ENTERPRISES FEDERAL CREDIT UNION (the Credit Union) to establish this Checking Account for me/us. The Credit Union is authorized to pay checks signed by me (or by any of us) and to charge all such payments against the shares in this Account. It is further agreed that: Only share draft blanks and other methods approved by the Credit Union may be used to make withdrawals from this Account. The Credit Union is under no obligation to pay a check that exceeds the fully paid and collected share balance in this Account. However, if any of the undersigned writes a check that would exceed such balance and result in this Account being overdrawn, the Credit Union may, nevertheless, pay such checks and transfer shares to this Account in the amount of the resulting overdraft, plus a service charge, from any other regular share account from which any of the undersigned is then eligible to withdraw shares. The Credit Union may pay a check on whatever day it is presented for payment, notwithstanding the date (or any limitation on the time of payment) appearing on the check. When paid, checks become the property of the Credit Union and will not be returned either with the periodic statement of this Account or otherwise. Except for negligence, the Credit Union is not liable for any action it takes regarding the payment or nonpayment of a check. Any objection respecting any item shown on a periodic statement of this Account is waived unless made in writing to the Credit Union before the end of 60 days after the statement is mailed. This Account is subject to the Credit Union's right to require advance notice of withdrawal, as provided in its bylaws. This Account is also subject to such other terms, conditions and service charges as the Credit Union may establish from time to time. If this Agreement is signed by more than one person, the persons signing shall be the joint owners of this Account which, in that event, shall be subject to all terms and conditions printed on this application. We will begin processing this request immediately after receiving it via e-mail. A form requesting your signature(s) and initial deposit will be forwarded to you soon. Thank you.
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