+ Checking & Savings + Smart choices for managing Your money.

Transcription

1 + Checking & Savings + Smart choices for managing Your money.

2 Checking that fits your life. Choosing the right checking account can be downright confusing. At Align, we make it easy to build an account that fits you today, with the flexibility to grow and change as you do. What You Get CONNECT PREMIER** + + Free Standard Align Checks for life + + We will waive our fees for ALL transactions at non-align ATMs + + We will reimburse up to $30/month in ATM fees + + Up to $50 waived/reimbursed fees per year + + Free use of Align coin machines + + Rate discounts on Auto and Personal Loans + + $500 off closing costs with an Align Mortgage 1 CONNECT PLUS*** + + Free Order of Standard Align Checks + + We will waive our fees for your first 10 transactions/month at non-align ATMs + + We will reimburse up to $15/month in ATM fees + + Up to $30 waived/reimbursed fees per year + + Free use of Align coin machines + + $250 off closing costs with an Align Mortgage 1 CONNECT + + Free Order of Standard Align Checks + + We will waive our fees for your first 8 transactions/month at non-align ATMs + + We will reimburse up to $5/month in ATM fees First, start with our Align Checking Account. + + No monthly fee + + FREE Align VISA Rewards Debit Card with unlimited transactions + + FREE access to over 27,000 ATMs + + FREE eservices: Online and Mobile Banking*, BillPay, estatements, Remote Deposit Second, make it your own by choosing the Money Management package that fits your banking style. Start with Connect for the basics. Then, as your relationship with Align grows, so do your benefits. What You Need to Have + + $10,000 Combined Deposit and Loan Balance + + Mortgage, home equity loan or line of credit, credit card, auto or recreational vehicle loan + + $2,500 Combined Deposit and Loan Balance + + Auto or recreational vehicle loan, credit card, business deposit account or business loan

3 Understanding ATM Access Smart savings, made simple. Putting money away for a rainy day is just the beginning. Align offers options to help make the most of every dollar you save. Membership Savings To receive all the benefits an Align Membership has to offer, your first step is to open a Membership Savings Account. All it takes is $25 to start. Once you re a Member, you re a Member for life. MyGoal Savings Big or small, everyone has their eye on something special maybe it s a vacation, wedding, down payment on a home or that new bedroom set. Align s MyGoal Savings Account doesn t box you in with set terms. With the flexibility to fit your life, Align will help you get there and faster than you think. Extra Savings Tools When it comes to your finances, we look at the big picture. That s why Align takes it a step further to offer IRAs, CDs, Money Market Accounts and other Wealth Management services. It s your financial future. Our experts are here to make sure it s as bright as possible. Figuring out ATM fees can be complicated. Here s the lowdown on how it works. When you use a non-align ATM, there are two types of fees you could be charged. First, there is a small fee from Align. However, all of our Money Management packages include a certain number of free transactions. Second, there is a fee charged by the institution that owns the ATM. Unfortunately, we don t have control over that amount, but most of our packages also include fee reimbursement so you re covered up to a certain amount. Align also belongs to the NYCE, SUM and CO-OP ATM Networks. This gives Members access to over 27,000 ATMs for FREE! *Message and data rates may apply. To be eligible for all Money Management packages, you must have a Membership Savings Account, Align Checking Account and Align Debit Card. Your membership will be reviewed monthly to determine the Money Management package you qualify for. If you no longer meet the requirements after 90 days, you will no longer receive the benefits of the Money Management package. You will receive a certain number of free ATM transactions at non-align ATMs for free, depending on the package you qualify for. After that, there is a $1.00 fee per transaction. Must be enrolled in estatements for at least 90 days to qualify for ATM reimbursements. Waived/ reimbursed fees only apply to deposit account and credit card fees, excluding finance charges. **Connect Premier: Must have a combined deposit and lending balance of at least $10,000 and one of the following Align products: mortgage, home equity loan or line of credit, credit card, auto loan or recreational vehicle loan. ***Connect Plus: Must have a combined deposit and lending balance of at least $2,500 and one of the following products with Align: auto or recreational vehicle loan, credit card, business deposit account or business loan. First box of standard Align checks are free. 1 Align closing costs discount offer only valid for new first mortgages with balances of $150,000 and over. Offer not valid on no closing costs loans and cannot be combined with any other offers. Refinances of existing Align mortgages are not eligible. Must be a Connect Plus or Connect Premier Member at time of mortgage application to qualify.

4 24/7 banking that fits in your wallet. With an Align VISA Rewards Debit Card, instant access to your funds is at your fingertips. Get cash, make deposits and manage your account day or night. Or, use it the same way you would cash all while earning rewards. + + Withdraw cash or make deposits at 27,000 conveniently located surcharge FREE ATMs + + Make purchases in person, by phone or online anywhere the VISA Debit Card is accepted + + Protection from unauthorized usage through Verified by VISA + + No monthly maintenance fees CURewards Shouldn t banking be a rewarding experience? We think so. With Align s CURewards, automatically earn points on every purchase you make. Gas, groceries, a new tablet, anything you buy with your Align VISA Rewards Debit or Credit Card. Every point you earn translates into rewards travel, electronics and more! Accounts for every age and stage. New Baby Account (Ages 0-1) It s never too soon to start saving... or become an Align Member. Bring your baby s birth certificate and social security card and you can open a savings account before he or she takes those first steps. Align will even deposit $25 to get you started.* Super Saver Account (Ages 0-23) Saving is a great habit to start. A habit we think is worth rewarding. Earn a higher interest rate than a regular savings account, plus extra rewards to help kids stick to a savings plan. After 6 months of making a minimum monthly deposit, we ll give them a special bonus.** Starter CD (Ages 5-17) Get a head start on your child s financial future. Align s Starter CD teaches kids how to build their very own nest egg. The account features a low minimum deposit and short 12-month term, plus a great rate. We ll even let them make two additional deposits along the way to boost their savings. Only one CD per Member. Student Checking (Ages 14-23) Kids grow and change at lightning speed. Align makes sure their finances don t get left behind. Our student checking takes kids from middle school to college and beyond. This account provides all the essentials: no minimum balance, free eservices, Mobile Banking and a VISA Debit Card. We ll also throw in your first order of standard checks for free! Bonus: Bring in your proof of acceptance/enrollment in college and Align will match your $25 initial deposit.*** Benefit Checking (Ages 65+) For Members 65 and over, Align s Benefit Checking Account earns interest with no maintenance fees. We even include free standard checks for life! *$25 Welcome Gift will be deposited within 30 days of account opening and subject to tax reporting. $25 minimum balance to earn variable.25% APY. Annual Percentage Yield accurate as of 4/1/15. **For Members up to 13 years old, a $15 initial deposit required and a monthly deposit of $15 to receive a $15 bonus. For Members 14-17, an initial deposit of $25 required and a monthly deposit of $25 to receive a $25 bonus. For Members age 18-23, an initial deposit of $50 required and a monthly deposit of $50 to receive a $50 bonus. The bonus is subject to tax reporting. Only one account per Member. New money only. $1.00 minimum balance to earn.75% APY. Annual Percentage Yield accurate as of 4/1/15. ***Must open a checking and savings account with a $25 minimum deposit. $25 will be deposited within 30 days of account opening and subject to tax reporting. Student Checking earns variable.25% APY. Annual Percentage Yield accurate as of 4/1/15.

5 Questions? Ready to Get Started? To learn more, stop by one of our branches or call our Member Care Center at (800) to speak to one of our banking experts. Visit AlignCU.com for details or to apply online for many of our products. +Corporate Office & ATM 40 Market Street, Lowell, MA Amesbury 19 Haverhill Road, Amesbury, MA Danvers 110 Newbury Street, Danvers, MA Framingham 969 Concord Street, Framingham, MA Haverhill 20 Cushing Avenue, Haverhill, MA Lowell Cross Point 900 Chelmsford Street, Lowell, MA (1st floor lobby) +Lowell Hale Street 87 Hale Street, Lowell, MA