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OKLAHOMA COUNTY • CS-2026-3090

Tinker Federal Credit Union v. Rachel S. Hauck

Filed: Mar 16, 2026
Type: CS
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What's This Case About?

Let’s cut right to the chase: a credit union in Oklahoma is suing a woman for $3,715 in overdraft fees — not because she stole a car or scammed anyone, but because her bank account went negative and she didn’t magically fix it. And get this — the credit union already took the money out of her account, then charged her for the privilege of being overdrawn, and now they’re suing her to get those fees back. Yes, you read that right. This isn’t a heist. It’s not even a Ponzi scheme. It’s just one woman, two bank accounts, and a financial black hole that swallowed over three grand in penalties while she allegedly watched from the sidelines like, “Huh. That’s unfortunate.”

Meet Rachel S. Hauck, a resident of Edmond, Oklahoma, who — according to her own account application — is unemployed, though at one point listed herself as self-employed and a server. She opened two accounts with Tinker Federal Credit Union (TFCU), a financial institution that, by name alone, sounds like it was founded by a group of Air Force mechanics who just really liked compound interest. The first account, Share 0001, was opened in March 2018. The second, Share 0004 — dubbed “Everyday Spending” — came along in July 2024. Sounds innocent enough. “Everyday Spending” is probably where she paid for gas, groceries, and the occasional DoorDash when she was too tired to cook. Or maybe too broke. Or both.

Now, let’s talk about what actually happened, because the timeline is… chaotic. On November 24, 2025 — yes, the filing says 2025, even though it was filed in 2026, which is either a typo or we’ve entered a financial time warp — Rachel’s primary account, Share 0001, had a balance of $367.17. Over the next few days, she made a series of internal transfers between her two accounts, moving money around like a one-woman hedge fund. She sent $54 to the other account. Then $150. Then $443. Then $1,350. Then three separate $1,500 transfers — totaling $4,500 — from Share 0004 to Share 0001. Then back again. Then more. It’s like watching someone juggle flaming knives while riding a unicycle on a tightrope over a pit of late fees.

By November 30, Share 0001 had ballooned to over $21,000 — all of it seemingly transferred from the “Everyday Spending” account. Then, just as mysteriously, it was gone. Poof. Vanished. The account went from $21,461 to -$269.24 in one fell swoop, marked simply as “Withdrawal” and “Charge Off Process Completed.” No explanation. No ATM receipt for $21,000 in cash. No wire transfer. Just… gone. And the credit union’s response? Not “Huh, that’s odd,” but “You owe us $269.24.”

Meanwhile, the “Everyday Spending” account — the one that apparently funded the mystery $21k — wasn’t doing much better. On December 2, 2025, it shows a withdrawal of $3,715.02, followed immediately by another withdrawal of the same amount, which brought the balance to -$3,715.02. That’s not a typo. The account was debited twice for the same sum, like a glitch in the Matrix where the bank said, “Let’s charge her for being overdrawn, and then charge her again for having charged her.” The description? “Returned Check.” So either someone tried to cash a check that bounced, or TFCU is using “Returned Check” as code for “We took the money and now we’re mad it’s not there anymore.”

And just to add flavor: in the days leading up to this financial implosion, Rachel was living her best (or worst) life. There were multiple transactions at Starbucks. A $100 charge at Chick-fil-A. A $61 DoorDash order. Multiple deposits into Cash App and Apple Cash — possibly sending money to someone named “Ray Hauck,” which could be a relative, a typo, or an alternate identity she’s cultivating for her post-bankruptcy life. There’s even a $19.50 charge labeled “MoneyPlus,” which sounds like a payday loan store or a vitamin subscription, but honestly, at this point, who knows?

So why are we in court? Because TFCU says Rachel breached her contract — twice. Once for the primary share account ($269.24), and once for the Everyday Spending account ($3,715.02). In plain English: she didn’t keep enough money in her accounts to cover the fees they charged when she didn’t keep enough money in her accounts. It’s a financial ouroboros — the snake eating its own tail, but with more overdraft charges.

TFCU wants judgment for $3,715.02, plus attorney’s fees, costs, and “all contractual charges” — which could mean more fees on top of the fees. They also filed a request to have the Oklahoma Employment Security Commission hand over Rachel’s employment info, which suggests they’re not just after the money, but want to find the money — maybe to garnish wages, if she ever gets a job. They even included an affidavit confirming she’s not in the military, just in case she was planning to deploy to Afghanistan to avoid her bank drama.

Now, is $3,715 a lot? For a credit union, maybe not. For the average person in Oklahoma, absolutely. That’s a car down payment. A year of rent in a studio apartment. Three months of groceries. But here’s the kicker: this isn’t for stolen funds. It’s not for fraud. It’s not even for reckless spending — unless you consider moving money between your own accounts a criminal act. The core issue is that TFCU charged overdraft fees, took the money, and then sued when the account couldn’t magically replenish itself. It’s like a landlord charging you for breaking the lease, then suing you for not paying rent after you’ve already been evicted.

Our take? The most absurd part isn’t the amount. It’s the cycle. Banks create systems that trap people in debt, charge them for falling into the trap, and then sue them when they can’t climb out. Rachel Hauck may not be blameless — maybe she overestimated her balance, ignored alerts, or played the float game one too many times. But TFCU isn’t exactly the victim here. They processed the transactions. They approved the transfers. They charged the fees. And now they want a judge to make her pay for their own business model.

We’re not rooting for financial irresponsibility. But we’re also not rooting for a system that profits from people’s mistakes and then punishes them for being poor. If this case teaches us anything, it’s that “Everyday Spending” should come with a warning label: May include unexpected charges of $3,715 for the crime of running out of money. And honestly? That’s not a breach of contract. That’s just modern banking.

Case Overview

Petition
Jurisdiction
District Court of Oklahoma County, Oklahoma
Filing Attorney
Jeffery S Ludlam
Relief Sought
$3,715 Monetary
Plaintiffs
Defendants
Claims
# Cause of Action Description
1 Breach of Contract - Share Account S1 Defendant defaulted on a share account by failing to timely pay and is indebted to Plaintiff in the amount of $269.24.
2 Breach of Contract - Share Account S4 Defendant defaulted on a share account by failing to timely pay and is indebted to Plaintiff in the amount of $3,715.02.

Petition Text

4,389 words
IN THE DISTRICT COURT OF OKLAHOMA COUNTY STATE OF OKLAHOMA TINKER FEDERAL CREDIT UNION ) Plaintiff, vs. RACHEL S. HAUCK, Defendant. FILED DISTRICT COURT OKLAHOMA COUNTY, OKLAHOMA Case No. March 16, 2026 3:00 PM RICK WARREN, COURT CLERK Case Number CS-2026-3090 PETITION Plaintiff, Tinker Federal Credit Union ("TFCU"), for its cause of action against Defendant, Rachel S. Hauck ("Defendant"), alleges and states as follows: CLAIM ONE: BREACH OF CONTRACT – SHARE ACCOUNT S1 1. On or about March 19, 2018, Defendant executed a share account (hereinafter referred to as the "Contract") and became obligated to pay TFCU for all charges made thereon. See Exhibit “A”. 2. Defendant defaulted on the Contract by failing to timely pay and is indebted to TFCU in the amount of $269.24 as of March 4, 2026. 3. TFCU is entitled to reasonable attorney's fees and its reasonable costs of collection under the terms of the Contract and under 12 O.S. §936. 4. Pursuant to the Servicemember’s Civil Relief Act of 2003, TFCU has reviewed the Department of Defense website and determined Defendant is not in the military. See the Affidavit attached hereto as Exhibit “B”. 5. Pursuant to 40 O.S. §4-508(D), TFCU requests an Order that at any time or times subsequent to the filing of this order, the Oklahoma Employment Security Commission shall produce, within thirty (30) days of receipt of this order, employment information of the Defendant. WHEREFORE, Tinker Federal Credit Union prays for judgment against Defendant, Rachel S. Hauck for $269.24, plus TFCU’s reasonable attorney’s fees and costs incurred in pursuit of this action, TFCU’s reasonable attorney’s fees and costs incurred in collection of the Judgment, all contractual charges as set forth in the Contract and all other relief this Court deems just. CLAIM TWO: BREACH OF CONTRACT – SHARE ACCOUNT S4 6. On or about July 29, 2024, Defendant executed a share account (hereinafter referred to as the "Contract") and became obligated to pay TFCU for all charges made thereon. See Exhibit “C”. 7. Defendant defaulted on the Contract by failing to timely pay and is indebted to TFCU in the amount of $3,715.02 as of March 4, 2026. 8. TFCU is entitled to reasonable attorney's fees and its reasonable costs of collection under the terms of the Contract and under 12 O.S. §936. WHEREFORE, Tinker Federal Credit Union prays for judgment against Defendant, Rachel S. Hauck for $3,715.02, plus TFCU’s reasonable attorney’s fees and costs incurred in pursuit of this action, TFCU’s reasonable attorney’s fees and costs incurred in collection of the Judgment, all contractual charges as set forth in the Contract and all other relief this Court deems just. Respectfully submitted, Jeffery S Ludlam, OBA #17822 HALL & LUDLAM, PLLC 210 Park Ave, Suite 3001 Oklahoma City, OK 73102 (405) 600-9500 Telephone (405) 871-5403 Facsimile [email protected] Tinker Federal Credit Union Account Agreement Primary Owner: Account # '2000 Please PRINT all information: Rachel S Hauck First Name Middle Initial Last Name Social Security Number Date of Birth Edmond OK 73003 U.S.A. 1520 Apollo Rd City State Zip Code Country of Residence UNEMPLOYED UNEMPLOYED 405-546-6612 405-546-6612 Employer Occupation Work Phone Home Phone [email protected] E-Mail Address Joint Owners / Beneficiaries / Trustees / or Other Designation: 1. First Name Middle Initial Last Name Social Security Number Date of Birth Street Address City State Zip Code Country of Residence Employer Occupation Work Phone Home Phone (mark one) Joint Owner Beneficiary Contingent Beneficiary Trustee Other (title) 2. First Name Middle Initial Last Name Social Security Number Date of Birth Street Address City State Zip Code Country of Residence Employer Occupation Work Phone Home Phone (mark one) Joint Owner Beneficiary Contingent Beneficiary Trustee Other (title) 3. First Name Middle Initial Last Name Social Security Number Date of Birth Street Address City State Zip Code Country of Residence Employer Occupation Work Phone Home Phone (mark one) Joint Owner Beneficiary Contingent Beneficiary Trustee Other (title) TIN Certification and Backup Withholding Information By signing below, (unless designated below) under penalties of perjury, I certify that: 1. [X] The number shown on this form is my correct taxpayer identification number, and 2. A)[X] I am not subject to backup withholding because: (a) I am exempt from backup withholding, or (b) I have not been notified by the Internal Revenue Service (IRS) that I am subject to backup withholding as a result of a failure to report all interest or dividends, or (c) the IRS has notified me that I am no longer subject to backup withholding, or B)[ ] I am subject to backup withholding, and 3. A)[X] I am a U.S. person/citizen which includes U.S. resident alien or [ ]B) I am a non-resident alien, and 4. The FATCA code entered on this form (if any) indicating that I am exempt from FATCA reporting is correct. Certification instructions: For item 3 above, complete IRS Form W-8BEN if you are a non-resident alien. Item 4 does not apply. By signing below, I/we also agree to the terms and conditions of the Share Accounts, Truth-in-Savings rate and fee disclosures, Electronic Funds Transfer Agreement, Funds Availability Policy Disclosure, and to any amendment the Credit Union makes from time to time, all of which are incorporated herein by reference. I/We acknowledge receipt of a copy of the Share Account Terms and Conditions, Privacy Notice, and Disclosures applicable to the accounts and services requested herein. I/We authorize TFCU to check my/our account credit, and employment history and obtain reports from third parties, including credit reporting agencies, to verify my/our eligibility for accounts and services. Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may ask to see your driver’s license or other identifying documents. The Internal Revenue Service does not require you to consent to any provision of this document other than the certifications required to avoid backup withholding. [Signature] 03/19/2018 Signature Date Signature Date To be completed by TFCU Member Service Representative: [X] Primary Share [X] Click Checking [X] Sole Ownership [ ] DHS Order [ ] Secondary Share [ ] Heritage Checking [ ] Joint Tenancy [ ] Representative Payee [ ] Command Fund [ ] Classic Checking [ ] Payable on Death [ ] Overdraft Protection [ ] Premium Plus [ ] Organization [ ] No Dividend [ ] No Overdraft [ ] Christmas Club [ ] Trust 1 S0001 PRIMARY SHARE [ ] The SaveAbles Kids Club [ ] Estate 2 [ ] OLDS 3 Date 03/19/18 Member Eligibility REIM/New Account [X] Account Change [ ] Change Made Teller # 1944 Initials DJ Account [ ] NEW ACCT [ ] Additional Joint Owners on Attached Page EXHIBIT A HAUCK,RACHEL S Share 0001: DEFAULT/PRIMARY SHARE | Post Date ID Eff Date Transacti... Trans Amt Balance... Int/... Fees New Balance Description Prev Availa... 01/18/2... S O... 01/18/2... Charge Off Process Completed %% APYE Avg Daily Bal 2,733.70 %% APY Earned 0.25% 12/01/25 to 12/31/25 12/31/2... S O... 12/31/2... Dividend ... 0.59 0.59 0.00 0.00 -269.24 0.250% (Index Rt -274.83 Returned Check 12/05/2... S O... 12/05/2... Withdrawal 21,456.04 -21,456.... 0.00 0.00 -269.83 %% APYE Avg Daily Bal 780.99 %% APY Earned 0.27% 11/01/25 to 11/30/25 11/30/20... S O... 11/30/20... Dividend ... 0.17 0.17 0.00 0.00 21,186.21 0.250% (Index Rt 0.00 11/30/20... S O... 11/30/20... Home Ba... 216.00 -216.00 0.00 0.00 21,186.04 To Share 0004 216.00 11/30/20... S O... 11/30/20... Home Ba... 216.00 216.00 0.00 0.00 21,402.04 From Share 0004 0.00 11/30/20... S O... 11/30/20... Home Ba... 275.00 -275.00 0.00 0.00 21,186.04 To Share 0004 275.00 %% Check hold release 12/03/25 21,181.04 CITY OK TINKER FCU 2315 S. WESTERN AVE OKLAHOMA 11/30/20... S O... 11/30/20... ATM Dep... 21,456.04 21,456.04 0.00 0.00 21,461.04 #002853 0.00 11/28/20... S O... 11/28/20... Home Ba... 54.00 -54.00 0.00 0.00 5.00 To Share 0004 54.00 11/28/20... S O... 11/28/20... Home Ba... 54.00 54.00 0.00 0.00 59.00 From Share 0004 0.00 11/28/20... S O... 11/28/20... Home Ba... 1,350.00 -1,350.00 0.00 0.00 5.00 To Share 0004 1,350.00 11/28/20... S O... 11/28/20... Home Ba... 150.00 -150.00 0.00 0.00 1,355.00 To Share 0004 1,500.00 11/28/20... S O... 11/28/20... Home Ba... 443.00 -443.00 0.00 0.00 1,505.00 To Share 0004 1,943.00 11/28/20... S O... 11/28/20... Home Ba... 1,500.00 1,500.00 0.00 0.00 1,948.00 From Share 0004 443.00 11/28/20... S O... 11/28/20... Home Ba... 1,500.00 -1,500.00 0.00 0.00 448.00 To Share 0004 1,943.00 11/28/20... S O... 11/28/20... Home Ba... 1,500.00 -1,500.00 0.00 0.00 1,948.00 To Share 0004 3,443.00 11/28/20... S O... 11/28/20... Home Ba... 3,443.00 3,443.00 0.00 0.00 3,448.00 From Share 0004 0.00 11/27/20... S O... 11/27/20... Home Ba... 3.95 -3.95 0.00 0.00 5.00 To Share 0004 3.95 11/26/20... S O... 11/26/20... Home Ba... 2.00 -2.00 0.00 0.00 8.95 To Share 0004 5.95 11/26/20... S O... 11/26/20... Home Ba... 7.00 -7.00 0.00 0.00 10.95 To Share 0004 12.95 11/26/20... S O... 11/26/20... Home Ba... 21.00 -21.00 0.00 0.00 17.95 To Share 0004 33.95 11/26/20... S O... 11/26/20... Home Ba... 0.05 -0.05 0.00 0.00 38.95 To Share 0004 34.00 11/26/20... S O... 11/26/20... Home Ba... 24.00 -24.00 0.00 0.00 39.00 To Share 0004 58.00 11/26/20... S O... 11/26/20... Home Ba... 114.00 -114.00 0.00 0.00 63.00 To Share 0004 172.00 11/26/20... S O... 11/26/20... Home Ba... 172.00 172.00 0.00 0.00 177.00 From Share 0004 0.00 11/25/20... S O... 11/25/20... Home Ba... 597.99 -597.99 0.00 0.00 5.00 To Share 0004 597.99 11/25/20... S O... 11/25/20... Home Ba... 22.18 -22.18 0.00 0.00 602.99 To Share 0004 620.17 11/25/20... S O... 11/25/20... Home Ba... 12.00 -12.00 0.00 0.00 625.17 To Share 0004 632.17 11/25/20... S O... 11/25/20... Home Ba... 270.00 270.00 0.00 0.00 637.17 From Share 0004 362.17 11/24/20... S O... 11/24/20... Home Ba... 1.23 1.23 0.00 0.00 367.17 From Share 0004 360.94 11/24/20... S O... 11/24/20... Home Ba... 3.00 -3.00 0.00 0.00 365.94 To Share 0004 363.94 11/24/20... S O... 11/24/20... Home Ba... 180.00 -180.00 0.00 0.00 368.94 To Share 0004 543.94 11/24/20... S O... 11/24/20... Home Ba... 127.00 127.00 0.00 0.00 548.94 From Share 0004 416.94 11/24/20... S O... 11/24/20... Home Ba... 120.00 -120.00 0.00 0.00 421.94 To Share 0004 536.94 11/24/20... S O... 11/24/20... Home Ba... 20.00 -20.00 0.00 0.00 541.94 To Share 0004 556.94 11/24/20... S O... 11/24/20... Home Ba... 20.00 20.00 0.00 0.00 561.94 From Share 0004 536.94 11/24/20... S O... 11/24/20... Home Ba... 20.00 -20.00 0.00 0.00 541.94 To Share 0004 556.94 11/24/20... S O... 11/24/20... Home Ba... 50.00 -50.00 0.00 0.00 561.94 To Share 0004 606.94 11/24/20... S O... 11/24/20... Home Ba... 190.00 -190.00 0.00 0.00 611.94 To Share 0004 796.94 11/24/20... S O... 11/24/20... Home Ba... 51.00 -51.00 0.00 0.00 801.94 To Share 0004 847.94 11/24/20... S O... 11/24/20... Home Ba... 21.00 -21.00 0.00 0.00 852.94 To Share 0004 868.94 11/24/20... S O... 11/24/20... Home Ba... 105.00 -105.00 0.00 0.00 873.94 To Share 0004 973.94 11/24/20... S O... 11/24/20... Home Ba... 324.00 -324.00 0.00 0.00 978.94 To Share 0004 1,297.94 11/24/20... S O... 11/24/20... Home Ba... 1,297.00 1,297.00 0.00 0.00 1,302.94 From Share 0004 0.94 11/21/20... S O... 11/21/20... Home Ba... 12.00 -12.00 0.00 0.00 5.94 To Share 0004 12.94 11/21/20... S O... 11/21/20... Home Ba... 5.00 -5.00 0.00 0.00 17.94 To Share 0004 17.94 11/21/20... S O... 11/21/20... Home Ba... 20.00 -20.00 0.00 0.00 22.94 To Share 0004 37.94 11/21/20... S O... 11/21/20... Home Ba... 29.00 29.00 0.00 0.00 42.94 From Share 0004 8.94 11/21/20... S O... 11/21/20... Home Ba... 8.94 8.94 0.00 0.00 13.94 From Share 0004 0.00 11/21/20... S O... 11/21/20... Home Ba... 8.00 -8.00 ; AFFIDVI STATE OF OKLAHOMA COUNTY OF OKLAHOMA ) ss. Aiden Elder, of lawful age, being first duly sworn, upon oath deposes and states: 1. I am a Collections Legal Specialist for Tinker Federal Credit Union and I am authorized to make this Affidavit of its behalf. Based on a review of the Department of Defense website _Rachel Hauck_ not in the military. A copy is attached hereto. Signed under penalty of perjury [Signature] Aiden Elder Subscribed and sworn to before me this 4th day of March, 2026. [Signature] Notary Public My Commission Expires: (SEAL) EXHIBIT B Status Report Pursuant to Servicemembers Civil Relief Act SSN: XXX-XX-6002 Birth Date: Feb-XX-2000 Last Name: HAUCK First Name: RACHEL Middle Name: Status As Of: Mar-04-2026 Certificate ID: 0X4NXYN09K3SFH2 <table> <tr> <th colspan="4">On Active Duty On Active Duty Status Date</th> </tr> <tr> <th>Active Duty Start Date</th> <th>Active Duty End Date</th> <th>Status</th> <th>Service Component</th> </tr> <tr> <td>NA</td> <td>NA</td> <td>No</td> <td>NA</td> </tr> <tr> <td colspan="4">This response reflects the individuals' active duty status based on the Active Duty Status Date</td> </tr> </table> <table> <tr> <th colspan="4">Left Active Duty Within 367 Days of Active Duty Status Date</th> </tr> <tr> <th>Active Duty Start Date</th> <th>Active Duty End Date</th> <th>Status</th> <th>Service Component</th> </tr> <tr> <td>NA</td> <td>NA</td> <td>No</td> <td>NA</td> </tr> <tr> <td colspan="4">This response reflects where the individual left active duty status within 367 days preceding the Active Duty Status Date</td> </tr> </table> <table> <tr> <th colspan="4">The Member or His/Her Unit Was Notified of a Future Call-Up to Active Duty on Active Duty Status Date</th> </tr> <tr> <th>Order Notification Start Date</th> <th>Order Notification End Date</th> <th>Status</th> <th>Service Component</th> </tr> <tr> <td>NA</td> <td>NA</td> <td>No.</td> <td>NA</td> </tr> <tr> <td colspan="4">This response reflects whether the individual or his/her unit has received early notification to report for active duty</td> </tr> </table> Upon searching the data banks of the Department of Defense Manpower Data Center, based on the information that you provided, the above is the status of the individual on the active duty status date as to all branches of the Uniformed Services (Army, Navy, Marine Corps, Air Force, Space Force, NOAA, Public Health, and Coast Guard). This status includes information on a Servicemember or his/her unit receiving notification of future orders to report for Active Duty. The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense (DoD) that maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems. The DoD strongly supports the enforcement of the Servicemembers Civil Relief Act (50 USC App. § 3901 et seq., as amended) (SCRA) (formerly known as the Soldiers’ and Sailors’ Civil Relief Act of 1940). DMDC has issued hundreds of thousands of “does not possess any information indicating that the individual is currently on active duty” responses, and has experienced only a small error rate. In the event the individual referenced above, or any family member, friend, or representative asserts in any manner that the individual was on active duty for the active duty status date, or is otherwise entitled to the protections of the SCRA, you are strongly encouraged to obtain further verification of the person’s status by contacting that person’s Service. Service contact information can be found on the SCRA website’s FAQ page (Q35) via this URL: https://scra.dmdc.osd.mil/scra/#/faqs. If you have evidence the person was on active duty for the active duty status date and you fail to obtain this additional Service verification, punitive provisions of the SCRA may be invoked against you. See 50 USC App. § 3921(c). This response reflects the following information: (1) The individual’s Active Duty status on the Active Duty Status Date (2) Whether the individual left Active Duty status within 367 days preceding the Active Duty Status Date (3) Whether the individual or his/her unit received early notification to report for active duty on the Active Duty Status Date. More information on "Active Duty Status" Active duty status as reported in this certificate is defined in accordance with 10 USC § 101(d) (1). Prior to 2010 only some of the active duty periods less than 30 consecutive days in length were available. In the case of a member of the National Guard, this includes service under a call to active service authorized by the President or the Secretary of Defense under 32 USC § 502(f) for purposes of responding to a national emergency declared by the President and supported by Federal funds. All Active Guard Reserve (AGR) members must be assigned against an authorized mobilization position in the unit they support. This includes Navy Training and Administration of the Reserves (TARs), Marine Corps Active Reserve (ARs) and Coast Guard Reserve Program Administrator (RPAs). Active Duty status also applies to a Uniformed Service member who is an active duty commissioned officer of the U.S. Public Health Service or the National Oceanic and Atmospheric Administration (NOAA Commissioned Corps). Coverage Under the SCRA is Broader in Some Cases Coverage under the SCRA is broader in some cases and includes some categories of persons on active duty for purposes of the SCRA who would not be reported as on Active Duty under this certificate. SCRA protections are for Title 10 and Title 14 active duty records for all the Uniformed Services periods. Title 32 periods of Active Duty are not covered by SCRA, as defined in accordance with 10 USC § 101(d)(1). Many times orders are amended to extend the period of active duty, which would extend SCRA protections. Persons seeking to rely on this website certification should check to make sure the orders on which SCRA protections are based have not been amended to extend the inclusive dates of service. Furthermore, some protections of the SCRA may extend to persons who have received orders to report for active duty or to be inducted, but who have not actually begun active duty or actually reported for induction. The Last Date on Active Duty entry is important because a number of protections of the SCRA extend beyond the last dates of active duty. Those who could rely on this certificate are urged to seek qualified legal counsel to ensure that all rights guaranteed to Service members under the SCRA are protected WARNING: This certificate was provided based on a last name, SSN/date of birth, and active duty status date provided by the requester. Providing erroneous information will cause an erroneous certificate to be provided. Tinker Federal Credit Union Account Agreement Primary Owner: Account # Please PRINT all information: Rachel S Hauck Social Security Number Date of Birth First Name Middle Initial Last Name . '2000 1520 Apollo Rd Edmond OK 73003-6008 U.S.A Street Address City State Zip Code Country of Residence SELF-EMPLOYED SERVER Work Phone Home Phone Occupation Employer Occupation Mother's Maiden Name E-Mail Address [email protected] Joint Owners / Beneficiaries / Trustees / or Other Designation: 1. <table> <tr> <th>First Name</th><th>Middle Initial</th><th>Last Name</th><th>Social Security Number</th><th>Date of Birth</th> </tr> <tr> <td colspan="5"></td> </tr> </table> Street Address City State Zip Code Country of Residence Employer (mark one) Joint Owner Beneficiary Occupation Contingent Beneficiary Trustee Other (title) Work Phone Home Phone 2. <table> <tr> <th>First Name</th><th>Middle Initial</th><th>Last Name</th><th>Social Security Number</th><th>Date of Birth</th> </tr> <tr> <td colspan="5"></td> </tr> </table> Street Address City State Zip Code Country of Residence Employer (mark one) Joint Owner Beneficiary Occupation Contingent Beneficiary Trustee Other (title) Work Phone Home Phone 3. <table> <tr> <th>First Name</th><th>Middle Initial</th><th>Last Name</th><th>Social Security Number</th><th>Date of Birth</th> </tr> <tr> <td colspan="5"></td> </tr> </table> Street Address City State Zip Code Country of Residence Employer (mark one) Joint Owner Beneficiary Occupation Contingent Beneficiary Trustee Other (title) Work Phone Home Phone TIN Certification and Backup Withholding Information By signing below, (unless designated below) under penalties of perjury, I certify that: 1. The number shown on this form is my correct taxpayer identification number, and 2. A) I am not subject to backup withholding because: (a) I am exempt from backup withholding, or (b) I have not been notified by the Internal Revenue Service (IRS) that I am subject to backup withholding as a result of a failure to report all interest or dividends, or (c) the IRS has notified me that I am no longer subject to backup withholding, or B) I am subject to backup withholding, and 3. A) I am a U.S. person/citizen which includes U.S. resident alien or B) I am a non-resident alien, and 4. The FATCA code entered on this form (if any) indicating that I am exempt from FATCA reporting is correct. Certification instructions: For item 3 above, complete IRS Form W-8BEN if you are a non-resident alien. Item 4 does not apply. By signing below, I/we also agree to the terms and conditions of the Share Accounts, Truth-in-Savings rate and fee disclosures, Electronic Funds Transfer Agreement, Funds Availability Policy Disclosure, and to any amendment the Credit Union makes from time to time, all of which are incorporated herein by reference. I/we acknowledge receipt of a copy of the Share Account Terms and Conditions, Privacy Notice, and Disclosures applicable to the accounts and services requested herein. I/we authorize TFCU to check my/our account, credit, and employment history and obtain reports from third parties, including credit reporting agencies, to verify my/our eligibility for accounts and services. Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may ask to see your driver’s license or other identifying documents. The Internal Revenue Service does not require you to consent to any provision of this document other than the certifications required to avoid backup withholding. Credit (or Consumer) Report Authorization The consumer report(s) we have obtained or will obtain from one or more consumer reporting agencies for the purpose of the transaction or service initiated by you contains information on trade lines you have with other lenders. If you instruct us to do so by signing below, we will use the consumer report(s) we have obtained or will obtain to the future to determine your eligibility for additional TFCU financial products and services. Please be aware that instructing us to use your consumer report(s) for these purposes does not guarantee an offer of credit. By signing below, you are instructing TFCU on how to use the consumer report(s). Signature RACHEL S HAUCK Signature Date 07/29/2024 Signature Date 07/29/2024 07/29/2024 Signature Date 07/29/2024 Signature Date 07/29/2024 To be completed by TFCU: Account Type General Membership Ownership Type: SOLE OWNERSHIP 0004 EVERYDAY SPENDING Date 07/29/2024 Member Eligibility RELM New Account □ □ No Dividend Teller # 2582 Initials DPG Account Change X Additional Joint Owners on Attached Page Change Made add everyday spending HAUCK,RACHEL S Share 0004: DEFAULT/EVERYDAY SPENDING [03/04/2026 <table> <tr> <th>Post Date</th> <th>ID</th> <th>Eff Date</th> <th>Transacti...</th> <th>Trans Amt</th> <th>Balance...</th> <th>Int/...</th> <th>Fees</th> <th>New Balance</th> <th>Description</th> <th>Prev Availa...</th> </tr> <tr> <td>01/15/2...</td> <td>S O...</td> <td>01/15/2...</td> <td></td> <td>Charge Off Process Completed</td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> </tr> <tr> <td></td> <td></td> <td></td> <td>Returned Check</td> <td></td> <td></td> <td></td> <td></td> <td></td> <td>-3,715.02</td> <td></td> </tr> <tr> <td>12/02/2...</td> <td>S O...</td> <td>12/02/2...</td> <td>Withdrawal</td> <td>4,526.13</td> <td>-4,526.13</td> <td>0.00</td> <td>0.00</td> <td>-3,715.02</td> <td></td> <td>-3,715.02</td> </tr> <tr> <td></td> <td></td> <td></td> <td>Returned Check</td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> </tr> <tr> <td>12/02/2...</td> <td>S O...</td> <td>12/02/2...</td> <td>Withdrawal</td> <td>3,715.02</td> <td>-3,715.02</td> <td>0.00</td> <td>0.00</td> <td>811.11</td> <td></td> <td>-3,715.02</td> </tr> <tr> <td></td> <td></td> <td></td> <td>%% MCC 5814</td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> </tr> <tr> <td></td> <td></td> <td></td> <td>Date 11/29/25 24445005334500713729521 5814</td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> </tr> <tr> <td></td> <td></td> <td></td> <td>STARBUCKS 85563 OKLAHOMA CITY OK</td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> </tr> <tr> <td>11/30/20...</td> <td>S O...</td> <td>11/30/20...</td> <td>Debit Ca...</td> <td>19.50</td> <td>-19.50</td> <td>0.00</td> <td>0.00</td> <td>4,526.13</td> <td>MoneyPlus</td> <td>19.50</td> </tr> <tr> <td></td> <td></td> <td></td> <td>%% MCC 4829</td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> </tr> <tr> <td></td> <td></td> <td></td> <td>Date 11/30/25 24059365334354747547723 4829</td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> </tr> <tr> <td></td> <td></td> <td></td> <td>CASH APP*RAY HAUCK*ADD CA Oakland CA</td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> </tr> <tr> <td>11/30/20...</td> <td>S O...</td> <td>11/30/20...</td> <td>Debit Ca...</td> <td>216.16</td> <td>-216.16</td> <td>0.00</td> <td>0.00</td> <td>4,545.63</td> <td>MoneyPlus</td> <td>216.16</td> </tr> <tr> <td>11/30/20...</td> <td>S O...</td> <td>11/30/20...</td> <td>Home Ba...</td> <td>216.00</td> <td>216.00</td> <td>0.00</td> <td>0.00</td> <td>4,761.79</td> <td>From Share 0001</td> <td>0.16</td> </tr> <tr> <td>11/30/20...</td> <td>S O...</td> <td>11/30/20...</td> <td>Home Ba...</td> <td>216.00</td> <td>-216.00</td> <td>0.00</td> <td>0.00</td> <td>4,545.79</td> <td>To Share 0001</td> <td>216.16</td> </tr> <tr> <td>11/30/20...</td> <td>S O...</td> <td>11/30/20...</td> <td>Home Ba...</td> <td>275.00</td> <td>275.00</td> <td>0.00</td> <td>0.00</td> <td>4,761.79</td> <td>From Share 0001</td> <td>-58.84</td> </tr> <tr> <td></td> <td></td> <td></td> <td>%% MCC 4829</td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> </tr> <tr> <td></td> <td></td> <td></td> <td>Date 11/29/25 24055235334566047990042 4829</td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> </tr> <tr> <td></td> <td></td> <td></td> <td>APPLE CASH SENT MONEY 1INFINITELOOP CA</td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> </tr> <tr> <td>11/30/20...</td> <td>S O...</td> <td>11/30/20...</td> <td>Debit Ca...</td> <td>100.00</td> <td>-100.00</td> <td>0.00</td> <td>0.00</td> <td>4,486.79</td> <td>MoneyPlus</td> <td>41.16</td> </tr> <tr> <td></td> <td></td> <td></td> <td>%% MCC 5814</td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> </tr> <tr> <td></td> <td></td> <td></td> <td>Date 11/28/25 24427335333710031021279 5814</td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> </tr> <tr> <td></td> <td></td> <td></td> <td>CHICK-FIL-A #04935 OKLAHOMA CITY OK</td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> </tr> <tr> <td>11/29/20...</td> <td>S O...</td> <td>11/29/20...</td> <td>Debit Ca...</td> <td>6.35</td> <td>-6.35</td> <td>0.00</td> <td>0.00</td> <td>4,586.79</td> <td>MoneyPlus</td> <td>-52.49</td> </tr> <tr> <td></td> <td></td> <td></td> <td>%% MCC 5541</td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> </tr> <tr> <td></td> <td></td> <td></td> <td>Date 11/28/25 24316055333565159245607 5541</td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> </tr> <tr> <td></td> <td></td> <td></td> <td>SHELL OIL 10014732001 OKLAHOMA CITY OK</td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> </tr> <tr> <td>11/29/20...</td> <td>S O...</td> <td>11/29/20...</td> <td>Debit Ca...</td> <td>29.34</td> <td>-29.34</td> <td>0.00</td> <td>0.00</td> <td>4,593.14</td> <td>MoneyPlus</td> <td>-29.50</td> </tr> <tr> <td></td> <td></td> <td></td> <td>%% MCC 4829</td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> </tr> <tr> <td></td> <td></td> <td></td> <td>Date 11/29/25 1405936533952212522295 4829</td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> </tr> <tr> <td></td> <td></td> <td></td> <td>CASH APP*RAY HAUCK*ADD CA Oakland CA</td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> </tr> <tr> <td>11/29/20...</td> <td>S O...</td> <td>11/29/20...</td> <td>Debit Ca...</td> <td>10.00</td> <td>-10.00</td> <td>0.00</td> <td>0.00</td> <td>4,622.48</td> <td>MoneyPlus</td> <td>-19.50</td> </tr> <tr> <td></td> <td></td> <td></td> <td>%% MCC 5812</td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> </tr> <tr> <td></td> <td></td> <td></td> <td>Date 11/29/25 24036295333712941312730 5812</td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> </tr> <tr> <td></td> <td></td> <td></td> <td>DOORDASH*11/28-2 ORDER 855-973-1040 CA</td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> </tr> <tr> <td>11/29/20...</td> <td>S O...</td> <td>11/29/20...</td> <td>Debit Ca...</td> <td>61.07</td> <td>-61.07</td> <td>0.00</td> <td>0.00</td> <td>4,632.48</td> <td>MoneyPlus</td> <td>31.57</td> </tr> <tr> <td></td> <td
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