evolve FCU is your resource. 浏览我们的常见问题解答，它将指导您解决任何可能影响您财务状况的突发事件或变化.
Powers of Attorney
委托书是在现有账户上使用的，当一个已成立的成员指定另一个人作为他们的实际代理人或代理人. 在进行交易之前，他/她必须签署一份律师/代理人的宣誓书.
Q. What type of Power of Attorney does evolve FCU accept?
A. evolve FCU accepts a Durable Power of Attorney; a written instrument that:
- Designates another person as attorney in fact or agent.
- Is signed by adult principal.
- 包含表明委托人意图的措辞，即权力授予事实上的代理人, or agent, 即使被执行人其后丧失行为能力或行为能力，亦须执行.
- 被授权在任何州的法律下接受转让契约的承认和管理宣誓的公证人面前，由委托人承认.
Q. 事实上，律师或代理人被允许对一个账户采取什么行动?
A. The attorney-in-fact or agent is allowed to conduct transactions, such as withdrawals or obtain account records, on behalf of the member.
Q. 为什么每次进行交易时都必须签署律师事实/代理人誓章表格?
A. 事实上的律师/代理人的宣誓书表明，事实上的律师/代理人并不知道权力因撤销而终止, 被执行人死亡或者被执行人的遗产监护人资格. 它还指出，委托人是残疾或无行为能力的界定权力.
Q. Who do I contact to request an Affidavit of Attorney in Fact/Agent form?
A. 联系电子银行中心获取律师事实宣誓书表格.
Q. How do I remove someone previously designated as attorney-in-fact/agent?
A. You must provide the credit union a Revocation of Power of Attorney form. It must state the name of your former agent and must be notarized.
Deceased Members
Processes will vary when one of our members passes away. 贷款、会员是主要帐户持有人还是联名帐户持有人等因素将决定如何处理该帐户. Generally, a joint member, 家庭成员或其他代表将成员的死亡通知信用社.
Q. Who do I contact to report the death of a member?
A. You can report the death of a member by contacting the eBanking Center.
Q. What happens to an account when a member dies?
A. 在决定如何处理已故成员的帐户时，必须审查几个因素. 电子银行家将审查未偿贷款、共同所有人、受益人等账户.
Q. What documents are needed to begin the process?
A. The death certificate of the deceased.
Q. What if there are no named beneficiaries on the account?
A. 如果没有指定受益人，则需要提供遗嘱/遗产管理信.
Wire Transfers
Q. How do I send a wire transfer?
Wiring Instructions
Note: 根据会员计划(见收费会员计划及收费表)收取外发电汇费用。. 接收机构可能会收取电汇费用，这可能会影响最终存入收件人的美元金额.
Membership Plan & Fee Schedule
Q. How long will it take to send the wire transfer?
A. 在下午3点(山区时间)前收到的汇款指示将于当天发送. However, final posting depends on the receiving institution. 在下午3:00(山区时间)之后收到的电汇指令将在下一个工作日处理. Wire requests are not processed on weekends or holidays.
Note: Wiring instructions must be fully verified before they are sent. 演进FCU代表可能需要打电话核实您的信息.
Transaction Disputes
Q. How do I dispute a transaction?
A. The dispute process can be started through your mobile app, home banking, or contacting the eBanking center. 在提出争议之前，会员应努力与商家联系. They may be able to return the funds without filing the dispute. 我们可能会根据争议的类型要求提供额外的信息或文件.
From the main menu on your mobile app, tap on Messages:
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- Tap on the blue pencil on the top right.
- Under Subject, type Dispute Transaction.
- Under Choose Attachment Type, select Transaction Record.
- Locate the transaction and tap on the box to the left. If multiple transactions are to be disputed, tap on each transaction.
Note: 一笔“待处理”的交易，在它提交到账户之前，是不能有争议的.
- Tap on Attach Selected Items at the bottom of the screen.
- 包括一条信息，说明纠纷的原因，如未经授权或欺诈.
- Tap Send.
From the main menu on Home Banking, tap on Messages:
- Click on New message on the top left of the screen.
- Under Subject, choose Account Support.
- Click Select Attachment Type on the top right of the screen.
- Locate the transaction and tap on the box to the left. If multiple transactions are to be disputed, tap on each transaction.
Note: 一笔“待处理”的交易，在它提交到账户之前，是不能有争议的
- Click Attach Selected Items.
- In Message 正文，陈述争议交易的原因，如未经授权的欺诈.
- Click Send.
Account Closing
Q. How do I close my account?
NOTE: Only the primary account holder is allowed to close the account. 除非另有要求，支票将邮寄到存档地址.
The following information must be included in the letter:
- Date
- Primary account holder's name
- Account number
- A statement that you wish to close the account
- Copy of primary's valid identification
- Signature
如果缺少上述任何一项，将会延迟结账. 如欲删除您的网上银行帐户及资料，请电邮至 info@honcob.com with your account number and username.
Beneficiaries
Members are encouraged to add a beneficiary to their accounts, especially for single-ownership accounts. 他/她可以选择以后增加受益人，也可以选择以后更改受益人.
Q. How do I add or change a beneficiary to my account?
A. 添加或更改帐户的受益人将需要新的签名(帐户)卡. 更改将适用于指定帐户(储蓄，支票，俱乐部帐户等).) except for IRAs. 签名卡必须完整，包括所有授权签署人的首字母缩写和签名. Email the completed form to info@honcob.com.
Signature Card Form
Q. What information do I need to provide about the beneficiary?
A. 您需要提供受益人的姓名、地址、电话号码、出生日期和关系.
Q. How do I change the beneficiary to my IRA?
A. 联系电子银行中心(915)593-5866更改IRA受益人.
NOTE: 您需要提供受益人的姓名、出生日期、社会保险号和地址.
Relinquish Form & Hold Harmless Agreement
A joint owner may remove his/herself from the signature card. In addition, a primary account holder may remove a joint owner. 这两项请求都需要以书面形式提交，然后由管理层审核批准. 在共同拥有人被移走后，须重新申领签名卡.
Q. Can I remove my name from an account?
A. Only a joint owner can remove his/herself from an account. 如果您是主帐户持有人，则需要关闭该帐户.
Q. I'm the joint owner of an account. What do I need to do to remove my name from it?
A. A Relinquish form is required to remove a joint owner from an account. Before requesting to be removed, 确保你名下的任何直接存款都已停止或已转到另一个账户. Once your name is removed from the account, 您将无法获得资金或被授权接收信息. 当收到表单时，它将被提交给管理层成员进行审核. 如果不需要其他信息，请求将被批准并完成.
NOTE: When a joint owner submits a Relinquish form, he/she will be removed from all shares (savings, checking, money market, etc.). A co-borrower on a loan may not remove his/herself from a loan.
Q. Can I remove the joint account holder from my account?
A. To remove a joint owner from an account, it is preferred that the joint account holder submits Relinquish form.
Q. I can't locate the joint account holder. Can I remove him/her from my account?
A. 从您的帐户中删除共同所有人需要一个保持无害协议, without his/her knowledge. 当收到表单时，它将被提交给管理层成员进行审核. 如果不需要其他信息，请求将被批准并完成.
NOTE: When the primary account holder submits a Hold Harmless Agreement, the joint owner will be removed from all shares (savings, checking, money market, etc.). A "co-borrower" on a loan may not be removed from a loan.
Completed Hold Harmless Agreements can be emailed to info@honcob.com.
Relinquish Form
