{"id":2660,"date":"2024-05-03T12:13:47","date_gmt":"2024-05-03T19:13:47","guid":{"rendered":"https:\/\/pointwest.local\/disclosures\/"},"modified":"2026-04-01T08:51:19","modified_gmt":"2026-04-01T15:51:19","slug":"divulgaciones","status":"publish","type":"page","link":"https:\/\/www.pointwestcu.com\/es\/divulgaciones\/","title":{"rendered":"Divulgaciones"},"content":{"rendered":"<div class=\"co-flex_row co-flex_row__reduced-hero\" ><div class=\"co-flex_row--row co-row\">\t<header class=\"co-tinyHero\" aria-label=\"Encabezado: Divulgaciones\">\n\t\t<div class=\"co-row\">\n\t\t\t<div class=\"co-tinyHero--inner prow gap:0 items-center@lg\">\n\t\t\t\t<div class=\"co-tinyHero--heading pcol-lg:5\">\n\t\t\t\t\t<h1 class=\"co-tinyHero--title\">Divulgaciones<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"co-tinyHero--tagline pcol-lg:7\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/header>\n<\/div><\/div>\n\n<div class=\"co-flex_row co-flex_row__white co-flex_row__page-intro\" ><div class=\"co-flex_row--row co-row\">\t<div class=\"co-page_intro\">\n\t\t<div class=\"co-page_intro--desc text-component\"><p>Con el fin de asegurar la transparencia y ofrecerle toda la informaci\u00f3n necesaria sobre sus cuentas y servicios, hemos recopilado una lista exhaustiva de divulgaciones y acuerdos. Estos documentos cubren varios aspectos, como condiciones, cargos, pol\u00edticas de privacidad y servicios en l\u00ednea de las cuentas. Revise las categor\u00edas a continuaci\u00f3n para encontrar la informaci\u00f3n pertinente a sus necesidades.<\/p>\n<\/div>\t<\/div>\n<\/div><\/div>\n\n<div class=\"co-flex_row co-flex_row__white co-flex_row__last co-flex_row__tabs\" ><div class=\"co-flex_row--row co-row\">\t<div class=\"co-tabs\">\n\t\t\t\t\t<div class=\"co-tabs--tabs js-tabs\">\n\t\t\t\t<nav class=\"co-tabs--nav\" aria-label=\"Tabs Navigation 69f3fdc651a22\">\n\t\t\t\t\t\t\t\t\t\t\t<button\n\t\t\t\t\t\t\tclass=\"co-tabs--nav_toggle\t\t\t\t\t\t\t\tjs-tab_toggle\t\t\t\t\t\t\t\tjs-tab_toggle_large\"\n\t\t\t\t\t\t\tdata-tabtitle=\"accountagreementsandinformation\"\n\t\t\t\t\t\t\tdata-tabindex=\"0_accountagreementsandinformation\"\n\t\t\t\t\t\t\taria-label=\"Acuerdos y informaci\u00f3n sobre cuentas abiertas\"\n\t\t\t\t\t\t>\n\t\t\t\t\t\t\tAcuerdos e informaci\u00f3n de cuentas\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t\t\t\t\t<button\n\t\t\t\t\t\t\tclass=\"co-tabs--nav_toggle\t\t\t\t\t\t\t\tjs-tab_toggle\t\t\t\t\t\t\t\tjs-tab_toggle_large\"\n\t\t\t\t\t\t\tdata-tabtitle=\"feesandrates\"\n\t\t\t\t\t\t\tdata-tabindex=\"1_feesandrates\"\n\t\t\t\t\t\t\taria-label=\"Tarifas y tasas abiertas\"\n\t\t\t\t\t\t>\n\t\t\t\t\t\t\tCuotas y tasas\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t\t\t\t\t<button\n\t\t\t\t\t\t\tclass=\"co-tabs--nav_toggle\t\t\t\t\t\t\t\tjs-tab_toggle\t\t\t\t\t\t\t\tjs-tab_toggle_large\"\n\t\t\t\t\t\t\tdata-tabtitle=\"privacyandsecurity\"\n\t\t\t\t\t\t\tdata-tabindex=\"2_privacyandsecurity\"\n\t\t\t\t\t\t\taria-label=\"Privacidad y seguridad abiertas\"\n\t\t\t\t\t\t>\n\t\t\t\t\t\t\tPrivacidad y seguridad\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t\t\t\t\t<button\n\t\t\t\t\t\t\tclass=\"co-tabs--nav_toggle\t\t\t\t\t\t\t\tjs-tab_toggle\t\t\t\t\t\t\t\tjs-tab_toggle_large\"\n\t\t\t\t\t\t\tdata-tabtitle=\"overdraftandpaymentplans\"\n\t\t\t\t\t\t\tdata-tabindex=\"3_overdraftandpaymentplans\"\n\t\t\t\t\t\t\taria-label=\"Sobregiro abierto y planes de pago\"\n\t\t\t\t\t\t>\n\t\t\t\t\t\t\tPlanes de sobregiro y pagos\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t\t\t\t\t<button\n\t\t\t\t\t\t\tclass=\"co-tabs--nav_toggle\t\t\t\t\t\t\t\tjs-tab_toggle\t\t\t\t\t\t\t\tjs-tab_toggle_large\"\n\t\t\t\t\t\t\tdata-tabtitle=\"onlineandelectronicservices\"\n\t\t\t\t\t\t\tdata-tabindex=\"4_onlineandelectronicservices\"\n\t\t\t\t\t\t\taria-label=\"Servicios electr\u00f3nicos y en l\u00ednea abiertos\"\n\t\t\t\t\t\t>\n\t\t\t\t\t\t\tServicios en l\u00ednea y electr\u00f3nicos\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t\t\t\t\t<button\n\t\t\t\t\t\t\tclass=\"co-tabs--nav_toggle\t\t\t\t\t\t\t\tjs-tab_toggle\t\t\t\t\t\t\t\tjs-tab_toggle_large\"\n\t\t\t\t\t\t\tdata-tabtitle=\"specificprogramsandpromotions\"\n\t\t\t\t\t\t\tdata-tabindex=\"5_specificprogramsandpromotions\"\n\t\t\t\t\t\t\taria-label=\"Abrir programas y promociones espec\u00edficas\"\n\t\t\t\t\t\t>\n\t\t\t\t\t\t\tProgramas y promociones espec\u00edficos\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t\t\t<\/nav>\n\n\t\t\t\t<div class=\"co-tabs--panels\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-tab js-tab co-tab__0\">\n\t\t\t\t\t\t\t<button\n\t\t\t\t\t\t\t\tclass=\"co-tab--toggle\t\t\t\t\t\t\t\t\tjs-tab_toggle\"\n\t\t\t\t\t\t\t\tdata-tabindex=\"0_accountagreementsandinformation\"\n\t\t\t\t\t\t\t\taria-label=\"Acuerdos e informaci\u00f3n de cuenta en la pesta\u00f1a m\u00f3vil abierta\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\tAcuerdos e informaci\u00f3n de cuentas\t\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t<section\n\t\t\t\t\t\t\t\tclass=\"co-tab--content\t\t\t\t\t\t\t\t\tco-row\t\t\t\t\t\t\t\t\tjs-tab_content\t\t\t\t\t\t\t\t\ttext-component\"\n\t\t\t\t\t\t\t\taria-label=\"Contenido de la pesta\u00f1a para acuerdos e informaci\u00f3n de la cuenta\"\n\t\t\t\t\t\t\t\tdata-tabindex=\"0_accountagreementsandinformation\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t<ul>\n<li><a href=\"https:\/\/www.pointwestcu.com\/files\/2024\/03\/pwcu_membership-account_agreement_2025-07.pdf\">Acuerdo de Membres\u00eda y Cuenta<\/a><\/li>\n<li><a href=\"https:\/\/www.pointwestcu.com\/files\/2024\/03\/pwcu_business_membership-account_agreement_2023-12-1.pdf\">Membres\u00eda Comercial y Contrato de Cuenta<\/a><\/li>\n<li><a href=\"https:\/\/www.pointwestcu.com\/files\/2024\/03\/pwcu-Visa-Credit-Card-Account-Agreement_2022.pdf\">Acuerdo de Cuenta de VISA<\/a><\/li>\n<li><a href=\"https:\/\/www.pointwestcu.com\/files\/2024\/03\/pwcu_truth_in_savings_disclosure_2020-09.pdf\">Divulgaci\u00f3n de la veracidad en los ahorros<\/a><\/li>\n<\/ul>\n\t\t\t\t\t\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-tab js-tab co-tab__1\">\n\t\t\t\t\t\t\t<button\n\t\t\t\t\t\t\t\tclass=\"co-tab--toggle\t\t\t\t\t\t\t\t\tjs-tab_toggle\"\n\t\t\t\t\t\t\t\tdata-tabindex=\"1_feesandrates\"\n\t\t\t\t\t\t\t\taria-label=\"Abrir pesta\u00f1a M\u00f3vil Tarifas y tasas\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\tCuotas y tasas\t\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t<section\n\t\t\t\t\t\t\t\tclass=\"co-tab--content\t\t\t\t\t\t\t\t\tco-row\t\t\t\t\t\t\t\t\tjs-tab_content\t\t\t\t\t\t\t\t\ttext-component\"\n\t\t\t\t\t\t\t\taria-label=\"Contenido de la pesta\u00f1a Tarifas y tasas\"\n\t\t\t\t\t\t\t\tdata-tabindex=\"1_feesandrates\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t<ul>\n<li><a href=\"https:\/\/www.pointwestcu.com\/files\/2024\/03\/pwcu_fee_schedule_2026-04_FINAL-1.pdf\">Programa de Cargos<\/a><\/li>\n<li><a href=\"https:\/\/www.pointwestcu.com\/files\/2024\/03\/deposit_rates-fees_sheet_2025-04-01.pdf\">Tasas de dep\u00f3sito y tarifas<\/a><\/li>\n<li><a href=\"https:\/\/www.pointwestcu.com\/files\/2024\/03\/pwcu_visa_rates-fees_sheet_2022-01.pdf\">Cargos y Tasas de VISA<\/a><\/li>\n<\/ul>\n<a href=\"https:\/\/www.pointwestcu.com\/es\/tarifas\/\" class=\"co-button\">Ver todas las tarifas<\/a>\n\t\t\t\t\t\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-tab js-tab co-tab__2\">\n\t\t\t\t\t\t\t<button\n\t\t\t\t\t\t\t\tclass=\"co-tab--toggle\t\t\t\t\t\t\t\t\tjs-tab_toggle\"\n\t\t\t\t\t\t\t\tdata-tabindex=\"2_privacyandsecurity\"\n\t\t\t\t\t\t\t\taria-label=\"Abrir pesta\u00f1a M\u00f3vil Privacidad y Seguridad\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\tPrivacidad y seguridad\t\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t<section\n\t\t\t\t\t\t\t\tclass=\"co-tab--content\t\t\t\t\t\t\t\t\tco-row\t\t\t\t\t\t\t\t\tjs-tab_content\t\t\t\t\t\t\t\t\ttext-component\"\n\t\t\t\t\t\t\t\taria-label=\"Contenido de la pesta\u00f1a de Privacidad y Seguridad\"\n\t\t\t\t\t\t\t\tdata-tabindex=\"2_privacyandsecurity\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t<ul>\n<li><a href=\"https:\/\/www.pointwestcu.com\/files\/2024\/03\/pwcu_privacy_policy_2018-03.pdf\">Pol\u00edtica de Privacidad<\/a><\/li>\n<li><a href=\"https:\/\/www.pointwestcu.com\/files\/2024\/03\/pwcu_reg-e_opt-in_disclosure_form_2018-03.pdf\">Formulario de divulgaci\u00f3n de consentimiento para la Regulaci\u00f3n E<\/a><\/li>\n<\/ul>\n\t\t\t\t\t\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-tab js-tab co-tab__3\">\n\t\t\t\t\t\t\t<button\n\t\t\t\t\t\t\t\tclass=\"co-tab--toggle\t\t\t\t\t\t\t\t\tjs-tab_toggle\"\n\t\t\t\t\t\t\t\tdata-tabindex=\"3_overdraftandpaymentplans\"\n\t\t\t\t\t\t\t\taria-label=\"Abrir pesta\u00f1a M\u00f3vil Planes de pago y sobregiros\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\tPlanes de sobregiro y pagos\t\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t<section\n\t\t\t\t\t\t\t\tclass=\"co-tab--content\t\t\t\t\t\t\t\t\tco-row\t\t\t\t\t\t\t\t\tjs-tab_content\t\t\t\t\t\t\t\t\ttext-component\"\n\t\t\t\t\t\t\t\taria-label=\"Contenido de la pesta\u00f1a de sobregiro y planes de pago\"\n\t\t\t\t\t\t\t\tdata-tabindex=\"3_overdraftandpaymentplans\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t<ul>\n<li><a href=\"https:\/\/www.pointwestcu.com\/files\/2024\/03\/pwcu_odp-courtesy_pay_disclosure_2023-01-2-1.pdf\">Planes de sobregiro y divulgaci\u00f3n de pago de cortes\u00eda<\/a><\/li>\n<\/ul>\n\t\t\t\t\t\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-tab js-tab co-tab__4\">\n\t\t\t\t\t\t\t<button\n\t\t\t\t\t\t\t\tclass=\"co-tab--toggle\t\t\t\t\t\t\t\t\tjs-tab_toggle\"\n\t\t\t\t\t\t\t\tdata-tabindex=\"4_onlineandelectronicservices\"\n\t\t\t\t\t\t\t\taria-label=\"Abrir pesta\u00f1a M\u00f3vil Servicios en L\u00ednea y Electr\u00f3nicos\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\tServicios en l\u00ednea y electr\u00f3nicos\t\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t<section\n\t\t\t\t\t\t\t\tclass=\"co-tab--content\t\t\t\t\t\t\t\t\tco-row\t\t\t\t\t\t\t\t\tjs-tab_content\t\t\t\t\t\t\t\t\ttext-component\"\n\t\t\t\t\t\t\t\taria-label=\"Contenido de la pesta\u00f1a para servicios en l\u00ednea y electr\u00f3nicos\"\n\t\t\t\t\t\t\t\tdata-tabindex=\"4_onlineandelectronicservices\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t<ul>\n<li><a href=\"https:\/\/www.pointwestcu.com\/files\/2024\/03\/pwcu_online_banking_disclosure.pdf\">Divulgaci\u00f3n de Banca En L\u00ednea<\/a><\/li>\n<li><a href=\"https:\/\/www.pointwestcu.com\/files\/2024\/03\/2025-05_Online-Services-E-Sign-Disclosure.pdf\">Servicio en l\u00ednea: Firma electr\u00f3nica, divulgaci\u00f3n y consentimiento<\/a><\/li>\n<li><a href=\"https:\/\/www.pointwestcu.com\/files\/2024\/03\/pwcu_estatements_consent_form_2018-03.pdf\">Divulgaci\u00f3n de Estados de Cuenta Electr\u00f3nicos (e-Statements)<\/a><\/li>\n<li><a href=\"https:\/\/www.pointwestcu.com\/files\/2024\/03\/2024-10_Mobile-Deposit-End-User-Agreement.pdf\">Acuerdo de usuario de dep\u00f3sito m\u00f3vil<\/a><\/li>\n<\/ul>\n\t\t\t\t\t\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-tab js-tab co-tab__5\">\n\t\t\t\t\t\t\t<button\n\t\t\t\t\t\t\t\tclass=\"co-tab--toggle\t\t\t\t\t\t\t\t\tjs-tab_toggle\"\n\t\t\t\t\t\t\t\tdata-tabindex=\"5_specificprogramsandpromotions\"\n\t\t\t\t\t\t\t\taria-label=\"Abrir pesta\u00f1a M\u00f3vil Programas y promociones espec\u00edficas\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\tProgramas y promociones espec\u00edficos\t\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t<section\n\t\t\t\t\t\t\t\tclass=\"co-tab--content\t\t\t\t\t\t\t\t\tco-row\t\t\t\t\t\t\t\t\tjs-tab_content\t\t\t\t\t\t\t\t\ttext-component\"\n\t\t\t\t\t\t\t\taria-label=\"Contenido de pesta\u00f1as para programas y promociones espec\u00edficos\"\n\t\t\t\t\t\t\t\tdata-tabindex=\"5_specificprogramsandpromotions\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t<ul>\n<li><a href=\"https:\/\/www.pointwestcu.com\/files\/2024\/03\/Point-West-CU-STW-Rules-2025-Clean.pdf\">Normas para Obtener los Cupones de la Cuenta Oficial y Premios de Save to Win<\/a><\/li>\n<\/ul>\n\t\t\t\t\t\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<\/div>\n\t<\/div><\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_searchwp_excluded":"","footnotes":""},"class_list":["post-2660","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Disclosures - Point West Credit Union<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.pointwestcu.com\/es\/divulgaciones\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Disclosures - Point West Credit Union\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.pointwestcu.com\/es\/divulgaciones\/\" \/>\n<meta property=\"og:site_name\" content=\"Point West Credit Union\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-01T15:51:19+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"1 minuto\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.pointwestcu.com\\\/disclosures\\\/\",\"url\":\"https:\\\/\\\/www.pointwestcu.com\\\/disclosures\\\/\",\"name\":\"Disclosures - Point West Credit 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