Refund Policy

Our strict refund policy exists to protect every member’s eligibility and to maintain the trust of our partner credit unions. Because membership provides access to state and federally regulated credit unions, all payments are non-refundable and non-transferable under any circumstance. This applies even if you later change your mind, choose not to use your membership benefits, or if a credit union declines to open an account for any reason, including its own eligibility or risk assessments.

This policy is a compliance requirement that helps safeguard the integrity of our partnerships. Allowing exceptions could put other members’ eligibility and active accounts at risk, and could undermine agreements we have in place to protect consumers statewide.

If a payment is declined, reversed, returned for insufficient funds, charged back, or cancelled by any method after submission, the associated membership will be considered invalid and will be retroactively cancelled. In those cases, we are required to notify all partner credit unions that membership-based eligibility was not valid. Any accounts opened using that eligibility may be subject to closure or revocation at the credit union’s discretion.

By submitting payment, you confirm your understanding and acceptance of these terms. This policy is a binding condition of membership and is part of our complete Terms of Service. It ensures fairness, protects our members, and helps us continue offering consumer protection benefits to North Carolinians.