Insights. Debit card scam. Free CARFAX report. Summer Skip-a-Pay. Free retirement seminar Good to Go. Free AD&D Insurance

Transcription

1 Insights Summer 2011 The Newsletter for Weber State Credit Union Members. Rewards Checking Use your Debit card to earn free travel Free CARFAX report Buying a used car? Ask us for a free report first Debit card scam Don t fall for phony calls Summer Skip-a-Pay Free retirement seminar Good to Go Use Mobile banking to stay on top of your finances Free AD&D Insurance

2 Rewards Checking (801) Earn points for travel and merchandise with your everyday purchases with the Rewards Checking account. Get 1 Scorecard reward point for every $1 you spend when you sign for your transactions. Redeem your points for discounts on WSCU loans, free airline tickets, hotel stays, golf clubs, electronics, itunes gift cards, and thousands of other items for just $20 per year. Rewards Checking is perfect for anyone who spends at least $250 per month using a Debit card. Rewards Checking is also a great replacement for expensive rewards credit cards that carry heavy interest rates or high annual fees. To open your Rewards Checking account, or to change your current checking account to Rewards, please contact the Member Help Desk at or visit any branch. 2.99% APR Auto Loans + Free CARFAX If you would like to free up some money in your monthly budget, consider refinancing your existing car loans to a rate as low as 2.99% APR. A lower rate will help lower your payment, or if you prefer to keep the same payment, you can pay your loan off faster. If you are shopping for a used car, ask your loan officer for a CARFAX report on the vehicle you are considering. A CARFAX report gives you important history on the vehicle like odometer readings, accident reports, and service records. After your loan has been approved, your loan officer will run your free CARFAX report. If you need to run multiple CARFAX reports, your first one is free, and additional reports are available for a discounted rate of $20 each. Auto Loans Local decisions, great rates, and a free

3 (801) Gas tank empty. 9:33 p.m. 21 miles from home. Open Mobile banking app... Checking balance: $28.41 Good to go. Good to Go with Mobile Banking Use Mobile banking to check your balance, review history, see transactions, and make a transfer from your Mobile phone or ipad. Mobile banking is 100% free, and can be set up in just minutes. Plus, Mobile banking uses the same world-class security as our regular Online banking, so you can rest assured your data is safe while banking on-the-go. Ready to go Mobile? Here s how: iphone, ipod Touch, & ipad: Using the App Store on your device, search for Weber State Credit Union. Tap Install to download the App. The first time you log in, you will need to input your username and password from Online banking. Android/ Droid: Visit the Android Market from your phone and search for Weber State Credit Union to find and download the WSCU Mobile app. The first time you log in, you will need to input your username and password from Online banking. Blackberry, Palm, and Windows Mobile: Visit from your computer. Login to Online banking, and select Mobile from under the View Accounts tab. Be sure both boxes are checked off to enable Mobile banking. Under the Mobile banking Setup section, input the address you use on your Mobile phone to your self the links to the app (you can also visit mfmnow.com/1964 in the Internet browser of your Mobile phone.) All other phones: If your phone has Internet access, you can use the Mobile-friendly version of our Web site by visiting from your Mobile phone.

4 (801) Debit Card Courtesy Pay Courtesy Pay is a service that allows transactions made on your checking account to clear, even if you don t have enough money in your account to cover the cost of the transaction. You can access up to $500 of Courtesy Pay protection through the use of a check, at a branch, over the phone, or with Bill pay or through ACH transactions. As an additional option, you can opt-in to receive protection on ATM and Debit card transactions in the event of an overdraft. To request the additional coverage through Debit card and ATM transactions, please visit a branch or call the Member Help Desk at Accidental Death & Dismemberment Insurance As part of your membership benefit package, you are eligible for up to $2,000 in free Accidental Death and Dismemberment (AD&D) insurance. You can also purchase up to $300,000 in additional coverage at discounted rates. To qualify for the insurance, you must first complete a short online registration form. To access the registration, please visit com/membership.html and click the link for AD&D insurance. Beware of Deactivated Debit Card Calls Many of our members have recently received calls from an unknown number with an automated voice recording claiming to be from a major bank. The message states their Debit card has been suspended or deactivated. Members are directed to put in their Debit card number and PIN using their phone s keypad to reactivate the card. This automated phone call is not from a legitimate financial institution- it is generated by scammers hoping to capture a few card numbers. If you receive a call from anyone claiming to be from any financial institution, please do not give them any information. Hang up, and call the institution directly to discuss your account.

5 (801) Free Retirement Seminar If you plan to retire within the next 5 years, please join us for a special retirement information session, presented by our financial advisors from Raymond James, inc. They will be covering important topics like Medicare, Social Security, TIA-CREF, and current market trends. The seminar will be held on September 14th, with a complimentary lunch at 11:45 a.m. A second session will be held on September 15th with refreshments at 2:45 p.m. Both sessions will be held in room 316 of the Shepherd Union at Weber State University. Please RSVP to the Member Help desk at by September 7, Saturday Service Hours If you need to work on your finances on Saturday, we re here to help. The Member Help Desk is now available on Saturdays from 9:00 a.m. to 1:00 p.m. To reach the Member Help Desk, please call Saturday drive-up services at the Main, North, and Roy branches are also available during the same hours. Summer Skip-a-Payment If you would like a little extra cash during the summer season try our summer Skip-a-Payment. Please fill out the form and mail or deliver it to WSCU before September 30th and you can skip one or all of your loan payments for a month. Several loans are not eligible, such as VISA balances, Mortgages, delinquent loans, and loans less than 6 months old. There is a small fee of $35.00 that applies for each loan payment skipped. Summer 2011 Skip-a-Payment Name Account # Please Skip (select one): All August Loans August loan All September Loans September loan The loan payment due will be advanced one month to the loan(s) indicated above. This loan is paid monthly directly by me or automatically from my savings or checking account. I understand that interest will accrue at the normal rate and that the skipped payment will be deferred to the end of my loan. I also understand that this offer is valid only through Friday, September 30, Please sign (all co-signers must also sign to make the extension valid) and mail or deliver to WSCU. In the event of a claim, GAP insurance does not cover skipped payments. I understand $35.00 will be deducted from my account for this privilege. X X(co-signer) X(co-signer)

6 Branch Locations & Hours Main Branch 4140 Harrison Blvd. Ogden, UT Saturday, 9am-1pm Roy Branch 5997 S W. Roy, UT Saturday, 9am-1pm North Branch 2388 N. Washington Blvd. North Ogden, UT Saturday, 9am-1pm Shepherd Union Branch 2106 University Circle Ogden, UT Monday- Friday, 9am-3pm Davis TLC Branch 915 W N. Layton, UT Monday- Friday, 10am-3pm ATM Locations Main 4140 Harrison Blvd. - Ogden Shepherd Union 2106 University Circle. - Ogden Dee Events Center 4450 Harrison Blvd. - Ogden Roy Branch 5997 S W.- Roy North Ogden Branch 2388 N. Washington- North Ogden Ogden-Weber ATC 200 N. Washington- Ogden University Village 1321 E S.- Ogden Davis Campus 2750 University Park- Layton 28,000+ Co-Op ATMs Weber State Credit Union is part of the Co-Op ATM network, which means you can access over 28,000 ATMs across the United States for freeno fees from us, no fees from the owner of the ATM. Need to find a Co-Op ATM? Just look for the red triangle on the ATM, or visit weberstatecu.com/locations.html to find the nearest one. 4,300+ Shared Branches Just like the Co-Op ATM network, Weber State Credit Union participates in Shared Branching. Shared branching allows our members to use branches of other credit unions. There are over 4,300 shared branches across the United States. To find the nearest one, just visit Holidays & Closures WSCU will be closed on the following days: Labor Day Columbus Day Veterans Day September 5th October 10th November 11th (801)