MEMBERSHIP AND ACCOUNT AGREEMENTThis agreement covers the rights and responsibilities of both parties concerning accounts we offer. In this agreement, the words "you" and "yours" mean anyone who signs a Membership and Account Application, Account Card, Account Update or Change Card, or similar document (collectively referred to as "Account Card"). The words "we," "us," and "our" mean the Credit Union. The word "account" means any one or more share or other accounts you have with us. The word "savings" means any share account you have with us. The word "checking" means any share draft account you have with us. “Overdraft Governance Documents” means our written overdraft policies and procedures, including the documents entitled, “What You Need to Know About Overdrafts and Overdraft Fees”, “Overdraft Protection Plans” and “Important Terms Regarding Overdrafts”.