HOW TO REPORT A LOST OR STOLEN CARD

Customer assistance for BVSCU members is available 24/7.

Debit Cards

Report lost or stolen debit cards to Vantiv at 1.866.664.9364.

Credit Cards

Report lost or stolen credit cards to Vantiv at 1.800.442.4757.

Select Employee Groups

If your company is not listed here and you would like to see if you qualify, please contact one of our offices.

• Advanced Urethane Technologies
• Advantage Interests, Inc.
• Aggie 96
• All Star Plumbing
• AutoNation Ford Katy
• AutoNation Nissan Katy
• Quentin Andrews, DDS
• Appel Ford-Mercury, Inc.
• Appel Motors, Inc.
• Aradyne Industries, Inc.
• Benjamin Franklin Plumbing
• Bossier Chrysler Dodge Jeep Eagle (now Lithia)
• Brazos Cleaning and Restoration
• Brazos County Appraisal District
• Brazos Paving, Inc.
• Brazos Valley Dental Lab
• Brazos Valley Rehabilitation Center
• Brenham Area Marble
• Brenham Banner Press
• Brenham Fitness Center
• Brenham Heating and Air
• Brenham Housing Authority
• Brenham Produce Company
• Brookshire-Katy Drainage District
• Bryan Broadcasting
• Bryan Hose and Gasket
• Carew Photography
• Center of Gravity Clinic
• Century 21 Western Realty
• Chappell Hill Sausage
• Childtime
• City of Arcola
• City of Fulshear
• City of Sealy
• Corporate Concrete, Inc.
• Cowboy Entertainment, Inc.
• Custom Interchem
• Daystar Christian Bookstore
• Del Sol Food Co., Inc.
• Dentistry By RSE, Katy
• Design At Work
• Dore' Investments
• Dr. Gary Hilsher, DDS
• Elge, Inc.
• ESS Group, Brenham
• Evans Cabinet and Door of Brenham
• Faith West Academy
• Finnegan Chrysler Jeep South
• Fitness Plus of Bellville
• Gazebo Terrace Convalescent Center, Brenham
• Geophysical Drilling Inc.
• Gillman Nissan Mazda
• Glasco And Company Landscaping
• Gulf Driving School (closed)
• Gymnastics Connection
• Hines Nurseries, Inc.
• Heritage Park of Katy
• Herman Alarms and Home Solutions, LLC
• Honda Cars of Katy
• Hullabaloo Diner
• Hyundai of Brenham
• Immaculate Conception Catholic Church
• Johnny's Construction
• K. L. Haley Custom Painting

• Katy Area Dental - Carl Estler, DDS
• Katy Area Economic Development Council
• Katy Mills Dental Clinic
• Katy Printers
• Katy Volunteer Fire Dept. & EMS
• KORA
• KOY Concrete
• L & L Luxury Detail Shop
• Legends Billiards & Grill
• Lithia Chrysler Dodge Jeep Eagle
• La Petite Academy – Eldridge, Sugar Land
• Lube Rite of Brenham
• Mahlmann Co.
• Martel Brothers Racing Products (closed)
• Memorial Lutheran Preschool and Kindergarten
• Mission Bend Christian Academy
• Mt. Zion Community Volunteer Fire Fighting Assoc., Inc
• Nita's Flower Shop
• Nurseryland Management, LLC
• Pebble Creek Country Club, College Station
• Physical Therapy Care of Fort Bend
• Physicians of Katy
• Phoenix EMS
• P. I. Components, Corp.
• Pleak Volunteer Fire Dept. (AKA Village of Pleak VFD, Inc.)
• Polar Ice, Inc.
• Preferred Alliance Group
• Professional Nurses at Home
• Quick Fix Headlines and Glass
• R. A. Schaeffer Co.
• Ra Salon Spa Group
• Ray Criswell Distributing
• Rago, Inc.
• RE/Max Grand
• Roach Kubota Marine
• Scott & White - Brenham
• SEACON Advanced Products, Bellville
• Sealy Dental Center
• Siercam Healthcare Services, LLC
• Sweet Pea's - Antique Gypsy, Brenham
• TNG Appliance
• Take 3 Trailers
• Terra Services (closed)
• Texan Hyundai
• Texas Biochemicals, Inc.
• Texas Real Estate Services
• Tiny Steps Learning Center
• Trinity Pool Company
• Turner Partners Architecture, LLP
• UBS - West Memorial
• Unicom International Supply, Inc.
• Unicom Technologies, Inc.
• Valmont Employees
• Village of Pleak VFD, Inc.
• Waller County Appraisal District
• Washington County Chamber of Commerce
• W. E. Gibson Agency, Inc.
• Welborn Water Supply
• West Harris County EMS
• West 1-10 Fire Dept.
• Westlake Fire Dept. & EMS
• Westwood Gymnastics
• Yellow Brick Road Preschool

Regulation D

The credit union tries to always accommodate members' requests for transfers from one account to another. Our goal is to allow you as members as much freedom as possible in accomplishing your personal financial objectives. There are rare occasions when the laws applicable to the operation of this credit union conflict with your expectations. On those occasions, the laws must prevail.

One such law comes from the Federal Reserve and is designated as "Reg D". Reg D restricts the number of certain types of transfers to six per month. These transfers generally are from savings to checking. Transfers from savings that most frequently come under this regulation are as follows:

• When a member telephones one of our offices to request a transfer of funds within the same member number, or between two members or member numbers,
• When overdraft protection automatically transfers funds,
• When a member uses the ARU (audio response unit) to transfer funds within the same member number, or between two members or member numbers,
• When a member uses Online Access to transfer funds within the same member number, or between two members or member numbers,
• When a member has a pre-authorized, automated ACH (Automatic Clearing House) withdrawal.

Once six of these transfers from the savings account have been done, Reg D will not allow any additional automatic, telephone or online type transfers for the remainder of the month. Subsequent telephone and electronic transfer requests from savings will be denied, and automatic overdraft protection will be suspended. Checks that cannot be paid from funds in the checking account must be handled manually, incurring a $18.00 fee.

The best solution is to always keep sufficient funds in the checking account to cover outstanding items. Other solutions include making transfer requests in person or authorizing overdraft protection from your approved line of credit loan. There are no limits imposed on either of these options. The employees of the credit union want to accommodate your requests whenever possible. You can help by awareness and attention to your accounts.

Truth In Savings Account Disclosures

Dividends on All Accounts: Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.

Rate Changes: All rate changes are approved by the Board of Directors.

Regular Savings Accounts - A $25 deposit is required to open a Regular Savings Account. The $25.00 is the minimum balance requirement. Dividends are calculated on the daily balance as follows: Multiply the daily balance by 1/365th of the Dividend Rate to get the amount of dividends earned per day. Add these amounts for the entire dividend period to get the total amount of dividends earned for the period. Dividends are compounded and credited quarterly.

Checking Accounts - A $25.00 deposit is required to open a Checking Account. The Interest Bearing Checking Account earns dividends on average daily balances of $1,000.00 or more calculated as follows: Add the daily balances for each day of the period and divide by the number of days in the period to get the average daily balance. Then divide the Dividend Rate by 365 and multiply by the number of days in the dividend period. Finally, multiply that product by the average daily balance to get the amount of dividends earned for the period. The minimum daily balance requirement is $300.00 to avoid a service charge. Dividends are compounded and credited monthly. The Service Charge Free Checking Account requires no minimum balance and earns no dividends.

Individual Retirement Accounts - Dividends are calculated on the daily balance as follows: Multiply the daily balance by 1/365th of the Dividend Rate to get the amount of dividends earned per day. Add these amounts for the entire dividend period to get the total amount of dividends earned for the period. Dividends are compounded and credited quarterly.

Term Share Accounts - Dividends are calculated on the daily balance as follows: Multiply the daily balance by 1/365th of the Dividend Rate to get the amount of dividends earned per day. Add these amounts for the entire dividend period to get the total amount of dividends earned for the period. When the date of issue to the date of maturity is less than 6 months, dividends are compounded and credited at maturity. When the date of issue to date of maturity is 6 months or more, dividends are compounded and credited quarterly. A penalty is imposed for early withdrawal.

IRA Term Share Certificates - Dividends are calculated on the daily balance as follows: Multiply the daily balance by 1/365th of the Dividend Rate to get the amount of dividends earned per day. Add these amounts for the entire dividend period to get the total amount of dividends earned for the period. When the date of issue to the date of maturity is less than 6 months, dividends are compounded and credited at maturity. When the date of issue to date of maturity is 6 months or more, dividends are compounded and credited quarterly. A penalty is imposed for early withdrawal.

Service Charge Free Checking Accounts - No dividends are earned on this account.

Christmas Club - There is no minimum opening deposit or balance requirement. Dividends are calculated on the daily balance as follows: Multiply the daily balance by 1/365th of the Dividend Rate to get the amount of dividends earned per day. Add these amounts for the entire dividend period to get the total amount of dividends earned for the period. Funds withdrawn prior to maturity incur a loss of dividends and close account for duration of club year. No partial withdrawals are allowed. Dividends are paid at maturity.

Money Market Account - A $2,500.00 deposit is required to open a Money Market Account. The Money Market Account earns dividends on an average daily balance of $1,000.00 or greater. Dividends on average daily balances of $1,000.00 or more calculated as follows: Add the daily balances for each day of the period and divide by the number of days in the period to get the average daily balance. Then divide the Dividend Rate by 365 and multiply by the number of days in the dividend period. Finally, multiply that product by the average daily balance to get the amount of dividends earned for the period. Up to 3 free withdrawals per month - $2.00 fee for each withdrawal in excess of 3.