WELCOME Follow this easy checklist to start your account off right!

Size: px
Start display at page:

Download "WELCOME Follow this easy checklist to start your account off right!"

Transcription

1 WELCOME Follow this easy checklist to start your account off right! Enroll in online banking services Enroll in Online Banking at (click on Enroll on the top red bar and enter your information) - Required Activate your Estatements by clicking on the Estatement Button and complete enrollment. Download our mobile app to activate your mobile banking. Make your 1st Deposit If you already funded your account with a card at account opening, skip this step. If you selected to make your first deposit after account opening, use the bank s mobile app to deposit a $10 money order check (Not Moneygram) or mail a deposit to: Washington Savings Bank 30 Middlesex Street Lowell, MA Attn: Online Teller You must make a deposit within 10 business days of account opening or the account will be closed. Activate your Direct Deposit A direct deposit is required from payroll or government benefit, please use the enclosed form. If your employer requires a check attached to the form, please place a check order with your financial coach for only $6.95. Note: You must have adequate funds in your account to place your check order. Sign and Return your account signature card A signature card will be mailed to you. Please sign and mail back in the envelope provided. checks and other items you may sign, Not returning the signature card may limit your ability to write checks. If desired, order checks Please let us know if you wish to order checks. We have a discounted rate of only $6.95 for 120 checks. You must have money in your account to cover the cost of the checks. Note: Never write a check unless money is in your account to cover the check. Activate your ATM/ debit card We only order your ATM/ Debit Card after your enroll in estatements. Your ATM/ debit card will arrive by mail in the next seven (7) to ten (10) business days in an undisclosed envelope. Please note, the debit card portion will only be activated after the required direct deposit. Call the number on the card to activate your card and select your PIN Note: Don t share your debit card number or PIN number with anyone except for purchases. Pick a unique PIN and keep it separate from your card. Identify your free ATM locations. Visit Allpointnetwork.com to identify all the local locations in which you ll have FREE ATM access. Allpoint has a great APP to download too to make finding free ATMs even easier! Please see the Allpoint sheet in this packet. PLEASE DON T CALL THE BANK. This is an online account only, meaning customer service occurs through ing your bank coach. Calling or visiting the bank will automatically activate an additional $4.95 per month live support plan. It s important for us to have a sample of your signature for

2 About Us For over 120 years, we ve been serving you. As a mutual bank, we don t have stock holders and our customers own the bank. Profit isn t our main goal and we re in business to help working families through affordable financial services. In 1892, Washington Savings Bank made its first home in Lowell, MA. Washington Savings Bank strives to meet financial needs with the community banking perspective our customers have grown to love and innovative products and services that can only be found at Washington Savings Bank. A bank you can count on, Washington Savings Bank is rated a 5 Star bank by Bauer Financial Services and considered one of the strongest banks in the country. A strength we achieved by helping people with affordable financial services. Most importantly, we value our commitment to human decision-making not a corporate facility of a Big Bank that only cares about the bottom line. Combine it all with friendly customer service and great products, and you ll find that Washington Savings Bank is more than a mutual savings bank; it s your banking partner that gives you more. As a member of the SUM ATM Network and Allpoint Network, our customers can use their debit card surcharge-free at over 55,000 locations nationwide. Our Rewards Card Checking is a national checking product specifically designed for customers who may have had overdraft challenges or credit problems from Big Banks taking advantage of them. This product eliminates overdraft and ATM fees for a small monthly charge. It s a real checking account for real people.

3 Frequently Asked Questions Can I apply for a Rewards Card Checking Account from any state? Yes, Rewards Card Checking Accounts are available to anyone inside the United States who is a U.S. citizen. Is Direct Deposit Required? Yes, direct deposit is required for this account. If you do not activate direct deposit within 60 days from account opening, your account will be closed. Is there a monthly maintenance fee? Yes, a monthly fee of $9.95 will be imposed every statement cycle, a direct deposit of payroll or government benefit is required for this account. Keep in mind, you also earn unlimited debit card cash rewards, so you may earn more on rewards than the monthly fee! After 6 months of satisfactory account history, you can convert your account to a lower monthly fee of only $4.95! What if I need customer assistance with a problem? Online support with your bank coach is free. Real time phone support is available for an additonal $4.95 per month. If you call or visit the branch, you will automatically activate the live support plan for an additonal $4.95 per month. How does this compare to a prepaid card? This is a checking account that has a debit card linked to it. Just like a prepaid card, you can use the card anywhere Mastercard is accepted, but you also have the benefits of one low monthly fee with no deposit (load) fees or ATM fees if you use the Allpoint network. This account should be much cheaper than a prepaid card and it s a real checking account. How do I make deposits? There s several ways to make deposits The easiest way is setting up direct deposit, which we ll help you set up. Direct deposit is required. To deposit a check, you can use our mobile check deposit APP or use the old fashioned way of mail. Note: Mobile deposits have a 5 business day hold and the service is limited to $10 per day until direct deposit starts. After direct deposit starts, you ll have a $500 per day limit after 3 months of activity. If you need to deposit cash, simply buy an inexpensive money order check available at most convenience stores and use our mobile check deposit service. A faster way to deposit cash is to use Western Union to transfer money into your account. Western Union charges a fee for this service. What are the restrictions for mobile deposits? Since mobile deposit has a high risk of fraud to the bank there are some additional conditions for us to trust you with it. The service is limited to $10 per day until direct deposit is activated. This is so you can fund your account and order checks. We limit mobile deposits to a maximum of $500 per day after 3 months of activity. We can increase this over time with good account history. There is a delay of funds until we know the deposit is legitimate. We always verify mobile deposits and reserve the right to place an extended hold if we doubt collectability of the check. Generally mobile deposits are available after 5 business days. Why are there restrictions for mobile deposits? In a nutshell, it s very risky to the bank

4 Frequently Asked Questions Cont. Does a Rewards Card Checking Account come with a real checkbook? Yes, you can use a real checkbook with your own personal checks. Even order your 1st order of 120 checks from us for only $6.95! Does a Rewards Card Checking Account come with a MasterCard debit card? Yes, you will receive your own personal MasterCard debit card. The standard design is free and you can even upgrade to over 85 designer cards for a small fee. Your daily limits are $300 via ATM withdrawal or $750 debit card purchase. The debit card portion of your card is not activated until direct deposit is activated on your account. Is it possible to overdraw my account? Yes. You won t receive overdraft fees, but there are some situations in which your account can be overdrawn. For example, a returned deposit item after we ve made funds available to you and the money has been spent. Some debit card transactions can be forced through and the monthly maintenance fee will be charged to your account regardless of balance. You are obligated to cover overdrafts on your account. Can I add a joint owner? Yes. You may add a joint owner to the account using our ADD A JOINT OWNER form once your account has been opened at least 30 days and is funded. Do I receive full online banking privileges? No, these are risker accounts for the bank so we limit some online services such as bank to bank transfers, person to person transfers, and mobile deposit. With online banking you see your activity, statements, and use bill payment. It even has some money management tools to help you manage your money better. Check out our online videos of the services. Can I open a savings account too? Yes. You may open a savings account after your checking account has been opened for at least 90 days and your account is in good standing. Our National Savings Account has no monthly minimum balance with a small $1.95 monthly fee.

5 DIRECT DEPOSIT ENROLLMENT/ AUTHORIZATION FORM Check one box only: New Direct Deposit Please complete the information below and return it to your payroll department. I authorize, to initiate credit entries to my account at Washington Savings Bank. These electronic credits will be deposited each pay period. In addition, I authorize the Company to initiate, if necessary, any debit entries and adjustments for any credit entries posted in error to my account. I acknowledge that the origination of ACH transactions to my account must comply with the provisions of U.S. Law. This authority will remain in effect until I have cancelled it in writing. Financial Institution Name: Account Number at FI: Washington Savings Bank Type of Account: (check one only) Checking Savings Financial Institute Routing Number: Financial Institute Address: 30 Middlesex St Financial Institute City and State and Zip: Lowell, MA Name: SSN Number: Signed: Dated: If the account is a joint account or in someone else s name, that individual must also agree to the terms stated above by signing below. Signed: Dated: Bank Certification: To confirm direct deposit account and routing number, please contact customer service at (978) Signed: Jennifer Valadao, online manager Dated: For checking accounts, please attach a copy of a voided check.

6 Employee Education Guide Frequently Asked Questions About Allpoint nt What is the Allpoint Network? The Allpoint Network is a surcharge-free network of ATMs with over 55,000 locations throughout the 5,000 locations throughout the United States, Canada, Mexico, Puerto Rico, United Kingdom and Australia. Because our financial stralia. Because our financial is a member of the Allpoint Network, these locations are surcharge-free to our cardholders. rcharge-free toinstitution our cardholders. es United States United Kingdom United Kingdom Canada Australia Puerto Rico the world, with 43,000 in the United Mexico Australia Where can I find Allpoint Network ATMs? You can find Allpoint Network ATMs in 55,000 retail locations around the world, with 43,000 in the United States, including these retailers: locator to be sure the location is *Not all retail locations participate in every market. Check the Allpoint locator to be sure the location is surcharge-free.

7 Frequently Asked Questions, cont. Are there any fees for using Allpoint Network ATMs? Allpoint ATMs are completely surcharge-free for Allpoint cardholders. How can I find Allpoint ATMs? - Use the locator at AllpointNetwork.com - Download the Allpoint App (Available for iphone, Android and Windows devices) - Visit Allpoint s Facebook page and use the locator - Look for this logo on the ATM: Can I use my current card? Yes! Use your current card to gain Allpoint surcharge-free access at 55,000 ATM locations worldwide. No additional sign-up or action is required. Start using Allpoint today! I went to the retailers you listed, but the ATM looked like it was owned by another bank will that bank charge me for using the machine? Many Allpoint Network machines look like they are operated by other banks or credit unions, however, all ATMs listed on the Allpoint locator are part of the Allpoint Network and are surcharge-free for Allpoint cardholders. Just look for the Allpoint Network sticker on the lower part of the ATM. The surcharge screen appeared when I attempted a transaction will I get charged a fee? No the surcharge screen is there to notify customers of other institutions who are not participating in the Allpoint Network. Just press Yes to accept the fee and continue with your transaction. Allpoint cardholders won t be charged. I used a location on the locator, but was still assessed a surcharge. Can I be reimbursed? Yes! Complete the form at allpointnetwork.com/about/refund and Allpoint will be on the case.

WELCOME Follow this easy checklist to start your account off right!

WELCOME Follow this easy checklist to start your account off right! WELCOME Follow this easy checklist to start your account off right! Enroll in online banking services Enroll in Online Banking at (click on Enroll on the top red bar and enter your information) - Required

More information

Using my PAYCHEK PLUS!

Using my PAYCHEK PLUS! Using my PAYCHEK PLUS! Saving Money Pay day 300 Cost 7.50 2.5% of check 1.75* per visit * Or, get my entire paycheck cashed free by using my first free transaction per pay period to purchase a US Post

More information

Uneasy about getting started? Not to worry. SageLink Credit Union has trained employees to help you every step of the way.

Uneasy about getting started? Not to worry. SageLink Credit Union has trained employees to help you every step of the way. Checking If you re like most young adults, you spend a lot of time thinking about money. How to get money? What to spend your money on? Where to keep your money in between? A MoneyLink Checking account

More information

TABLE OF CONTENTS. Introduction 3. General Guidelines for Successful Account Management 3. Managing Your Checking Account. 1.

TABLE OF CONTENTS. Introduction 3. General Guidelines for Successful Account Management 3. Managing Your Checking Account. 1. TABLE OF CONTENTS Introduction 3 General Guidelines for Successful Account Management 3 Managing Your Checking Account 1. Check Register 2. Planning 3. Recording Your Transactions 4. Balancing Your Account

More information

1.4. Will my Social Security and Supplemental Security Income benefits be safe?

1.4. Will my Social Security and Supplemental Security Income benefits be safe? 1. OVERVIEW 1.1. What is the Direct Express card? The Direct Express card is a prepaid debit card available to Social Security and Supplemental Security Income check recipients who wish to receive their

More information

PAYROLL CARD FREQUENTLY ASKED QUESTIONS

PAYROLL CARD FREQUENTLY ASKED QUESTIONS The following document provides answers to frequently asked questions regarding the Umpqua Bank Payroll Card. Contact Customer Care at 800-650-7141 with questions. Card Basics Q. How does the Payroll Card

More information

Welcome. Details you must know regarding your Bank of Sacramento personal accounts are enclosed.

Welcome. Details you must know regarding your Bank of Sacramento personal accounts are enclosed. Welcome Details you must know regarding your Bank of Sacramento personal accounts are enclosed. It is very important you are aware of upcoming deadlines and ramifications of the conversion to Banner Bank.

More information

Getting started with your checking account

Getting started with your checking account Getting started with your checking account Thank you for checking with UICCU Thank you for choosing University of Iowa Community Credit Union for your checking account needs. We would like to take a moment

More information

I don t know my Employee Identification Number. How do I get it? Contact LAUSD Personnel, Human Resources, or your Supervisor.

I don t know my Employee Identification Number. How do I get it? Contact LAUSD Personnel, Human Resources, or your Supervisor. FAQ What is California Credit Union s Pay Card? CCU s Pay Card is a Visa -branded reusable debit card created exclusively for LAUSD employees. The employee has access to their pay 24 hours a day, 7 days

More information

u.s. bank focus card Frequently Asked Questions The Focus Card What is the Focus Card? How does the Focus Card work?

u.s. bank focus card Frequently Asked Questions The Focus Card What is the Focus Card? How does the Focus Card work? Frequently Asked Questions What is the Focus Card? The Focus Card is a reloadable, prepaid debit card issued by U.S. Bank. It provides an electronic option for receiving your pay. It is not a credit card,

More information

If you would like translation assistance, please contact HR Direct at 866-473-4728.

If you would like translation assistance, please contact HR Direct at 866-473-4728. Dear Associate, Limited Brands offers two cost effective, environmentally friendly ways of delivering associates pay. You can choose the option that makes sense for you: either direct deposit or a Visa

More information

Anytime Adviser Checking Account Coach

Anytime Adviser Checking Account Coach Anytime Adviser Checking Account Coach Welcome. This interactive guide coaches you in managing your checking account. You may move from chapter to chapter by selecting headings from the left. Click on

More information

ReliaCard Q&A. What is It? How Do I Sign Up?

ReliaCard Q&A. What is It? How Do I Sign Up? ReliaCard Q&A Nebraska contracts with U.S. Bank to provide this prepaid debit card as a payment option. Nebraska and U.S. Bank are offering the ReliaCard Visa debit card to clients and individual service

More information

Your new checking account

Your new checking account Your new checking account Getting started guide The information in this disclosure may not be entirely accessible to screen readers. Please call the Phone Bank at 1-800-TO-WELLS if you would like to obtain

More information

Corestone Account Frequently Asked Questions

Corestone Account Frequently Asked Questions Corestone Account Frequently Asked Questions This document will help you answer the most frequently asked questions about Corestone Account. GENERAL... 2 OPERATIONS... 4 REWARDSUITE... 6 FEES... 9 As of

More information

Welcome to the world of prepaid cards... Contents

Welcome to the world of prepaid cards... Contents Welcome to the world of prepaid cards... This leaflet has been prepared to help you find out more about prepaid payment cards and how you can use them best. Contents Welcome to the world of prepaid cards.................

More information

June 30, 2015.
, Important changes to your Checking account coming August 3 rd.

June 30, 2015. <Name> <Address 1> <Address 2> <City>, <State> <Zip> Important changes to your Checking account coming August 3 rd. June 30, 2015 , Important changes to your Checking account coming August 3 rd Dear Member, As part of the integration of HealthOne into New England Federal

More information

Banking Basics 101. How to Manage Your Finances and Still Have Money Left Over For Pizza. Course objectives learn about:

Banking Basics 101. How to Manage Your Finances and Still Have Money Left Over For Pizza. Course objectives learn about: Banking Basics 101 Course objectives learn about: Using a checking account Various types of payment vehicles Benefits of a savings account How to Manage Your Finances and Still Have Money Left Over For

More information

E-SERVICES. Chicago Municipal Employees Credit Union

E-SERVICES. Chicago Municipal Employees Credit Union E-SERVICES Chicago Municipal Employees Credit Union CME@Home Chicago Municipal Employees Credit Union offers 24/7/365 access to your account information from your personal computer. Our online banking

More information

Bank Easy Card. Benefits. Adding Funds

Bank Easy Card. Benefits. Adding Funds Bank Easy Card Enjoy the unrivaled purchasing power of MasterCard with a prepaid, reloadable CharterBank Bank Easy Card. It's the smart way to manage and protect your money. Apply in minutes no minimum

More information

I m ready to make the switch.

I m ready to make the switch. I m ready to make the switch. We make it easy 4 simple steps. This switch kit has all the forms you need to transfer your checking accounts to Salem Five. Just fill it out, print, sign and return. 1. OPEN

More information

FREQUENTLY ASKED QUESTIONS GENERAL

FREQUENTLY ASKED QUESTIONS GENERAL FREQUENTLY ASKED QUESTIONS GENERAL What does electronic payment mean to me? What options do I have? What is the best option for me? Can I choose to receive a paper check instead of an electronic payment?

More information

Insurance bill payment made easy

Insurance bill payment made easy Insurance bill payment made easy for our property & casualty customers Whether you have your personal insurance, business insurance, or (hopefully) both with Harleysville, we give you 4 convenient options

More information

Welcome Packet. The official merger date of ILWU-FSC FCU and ILWU Credit Union is February 1, 2016. 866.445.9828 www.iiwucu.org

Welcome Packet. The official merger date of ILWU-FSC FCU and ILWU Credit Union is February 1, 2016. 866.445.9828 www.iiwucu.org Welcome Packet The official merger date of ILWU-FSC FCU and ILWU Credit Union is February 1, 2016. Table of Contents Welcome to ILWU Credit Union page... 1 Important dates for you to know... 2 Explore

More information

Frequently Asked. Questions. Cash Solution TM PIN Prepaid Debit Card

Frequently Asked. Questions. Cash Solution TM PIN Prepaid Debit Card 0 Frequently Asked Questions TM Cash Solution TM PIN Prepaid Debit Card Frequently Asked Questions About this booklet Moneytree has compiled the information in this booklet to help you understand and use

More information

ONLINE FX QUICK START GUIDE AN INTRODUCTION TO. Add a Bank Account. Add a Recipient. Create a Transaction. Check Payment Status. Go Mobile!

ONLINE FX QUICK START GUIDE AN INTRODUCTION TO. Add a Bank Account. Add a Recipient. Create a Transaction. Check Payment Status. Go Mobile! AN INTRODUCTION TO ONLINE FX QUICK START GUIDE Welcome to your Western Union Business Solutions Online FX account. You can now send international payments quickly and conveniently, online or from your

More information

ReliaCard THE RELIACARD FREQUENTLY ASKED QUESTIONS

ReliaCard THE RELIACARD FREQUENTLY ASKED QUESTIONS ReliaCard FREQUENTLY ASKED QUESTIONS ***Important Information Regarding Economic Assistance TANF Payments *** The State of South Dakota has partnered with U.S. Bank to provide you with a reloadable prepaid

More information

Welcome. Important information about the transfer of your personal bank account from Siuslaw to Banner Bank

Welcome. Important information about the transfer of your personal bank account from Siuslaw to Banner Bank Welcome Important information about the transfer of your personal bank account from Siuslaw to Banner Bank Siuslaw Bank becomes Banner Bank on March 6, 2015 In this booklet, you ll find important information

More information

HOW DO I GET PAID PICK ONE on your Employee Information Sheet

HOW DO I GET PAID PICK ONE on your Employee Information Sheet HOW DO I GET PAID PICK ONE on your Employee Information Sheet You can choose to be paid by Direct Deposit to your checking or savings account, or you can enroll in the ADP Visa Debit Card. Direct Deposit

More information

TABLE OF CONTENTS. Introduction 3. General Guidelines for Successful Account Management 3. Managing Your Checking Account. 1.

TABLE OF CONTENTS. Introduction 3. General Guidelines for Successful Account Management 3. Managing Your Checking Account. 1. TABLE OF CONTENTS Introduction 3 General Guidelines for Successful Account Management 3 Managing Your Checking Account 1. Check Register 2. Planning 3. Recording Your Transactions 4. Balancing Your Account

More information

Checking 101. Checking Out Checking Accounts

Checking 101. Checking Out Checking Accounts Checking 101 Checking Out Checking Accounts Checking Account Basics A check is a written order that represents cash Credit Union checking accounts are also called SHARE DRAFT accounts A share draft is

More information

Client s Guide to Enhanced Banking Services

Client s Guide to Enhanced Banking Services Client s Guide to Enhanced Banking Services FCB IS UPGRADING OUR TECHNOLOGY SYSTEMS TO PROVIDE OUR CLIENTS WITH A BETTER BANKING EXPERIENCE. UPGRADES WILL TAKE PLACE THE WEEKEND OF OCTOBER 11-14. THIS

More information

Important Update to Your Deposit Account

Important Update to Your Deposit Account Important Update to Your Deposit Account Beginning February 12, 2012, U.S. Bank changed the way we post transactions to your deposit account to better align with the way you actually make those transactions.

More information

SIMPLE SWITCH KIT. We Make the Switch Simple

SIMPLE SWITCH KIT. We Make the Switch Simple SIMPLE SWITCH KIT We Make the Switch Simple 5 Simple Steps To Switch Your Account The Process: 1 Open your Wells Bank account Visit your local branch and a Personal Banking Representative will answer any

More information

Gold Checking Frequently Asked Questions:

Gold Checking Frequently Asked Questions: Gold Checking Frequently Asked Questions: What are the benefits of Gold Checking? High- dividend on balances up to $15,000. Nationwide ATM fees refunded up to $25 a month. Free Online and Mobile Banking

More information

Putting You First. A guide to your new accounts and services

Putting You First. A guide to your new accounts and services Putting You First A guide to your new accounts and services FirstMerit is committed to putting you first. For more than 165 years, we ve delivered solutions that help our customers finance homes, pay for

More information

Switch to Century Bank, we build relationships that last.

Switch to Century Bank, we build relationships that last. Switch to Century Bank, we build relationships that last. It s simple to switch to Century Bank We know it s not easy to change banks. That s why we ve developed the Century Bank step-by-step switch kit.

More information

DEBIT MASTERCARD APPLICATION

DEBIT MASTERCARD APPLICATION DEBIT MASTERCARD APPLICATION Hickory Point Bank s Debit MasterCard - the only card you need Our Debit MasterCard gives you a fast, economical and convenient way to purchase the products and services you

More information

Virginia Tax Refund Debit Card Frequently Asked Questions for the Virginia Banking Community

Virginia Tax Refund Debit Card Frequently Asked Questions for the Virginia Banking Community Virginia Tax Refund Debit Card Frequently Asked Questions for the Virginia Banking Community Background and Scope Effective January 2013, tax refunds will be issued through a direct bank deposit or through

More information

Switch to Century Bank, we build relationships that last.

Switch to Century Bank, we build relationships that last. Switch to Century Bank, we build relationships that last. It s simple to switch to Century Bank Business Banking is about relationships and our focus is on you. Your Business Banker will work closely with

More information

What are the benefits of MoneyMaking Checking when I meet al qualifications? What are the requirements that must be met to qualify for the benefits?

What are the benefits of MoneyMaking Checking when I meet al qualifications? What are the requirements that must be met to qualify for the benefits? What are the benefits of MoneyMaking Checking when I meet all qualifications? Earn 2.01% APY (Annual Percentage Yield) on balances up to $25,000 Earn 0.25% APY on any amount in excess of $25,000 (APY earned

More information

Managing your checking account.

Managing your checking account. We re here for you We hope you have found this guide helpful. In the future, anytime you have a question about your account, visit a Webster branch or call us. You can rely on Webster for whatever assistance

More information

PRINT NEW HIRE PACKET ONE-SIDED. The DEADLINE for all paperwork is no later than two days prior to the employee s start date

PRINT NEW HIRE PACKET ONE-SIDED. The DEADLINE for all paperwork is no later than two days prior to the employee s start date HUMAN RESOURCES DIVISION 6 East 6 th Street / P.O. Box 708 Lawrence, KS 66044 PHONE: (785) 832-3203 FAX: (785) 832-3228 lawrenceks.org/jobs From: Human Resources Division To: Supervisors HIRING PAPERWORK

More information

Checking 101. Property of Penn State Federal Credit Union

Checking 101. Property of Penn State Federal Credit Union Checking 101 Checking 101 Checking Account Basics A check is a written order that represents cash Credit Union checking accounts are also called SHARE DRAFT accounts A share draft is equivalent to a check,

More information

Payroll Cards. Payroll Cards: the Basics

Payroll Cards. Payroll Cards: the Basics Payroll Cards Payroll debit cards (usually referred to as payroll cards or paycards) are another form of direct deposit. Instead of depositing pay in a checking or savings account, this method uses a reloadable

More information

Systems Upgrade Information Frequently Asked Questions

Systems Upgrade Information Frequently Asked Questions Systems Upgrade Information Frequently Asked Questions We ll be continually updating this page to ensure you have the most accurate and up-to-date information possible. Please check back often to stay

More information

Monthly Service Charge: $8.95 Includes free Debit Cards, usage of Capital One Bank image-enabled ATMs, and access to our extensive Branch Network.

Monthly Service Charge: $8.95 Includes free Debit Cards, usage of Capital One Bank image-enabled ATMs, and access to our extensive Branch Network. EXPLANATION OF VARIOUS KEY SERVICES AND CHARGES Here are some details about Regular Checking services. KEY ACCOUNT TERMS AND CHARGES: Monthly Service $8.95 Includes free Debit Cards, usage of Capital One

More information

The choice between four great checking account options. Convenient branch locations with drive-thru ATM access

The choice between four great checking account options. Convenient branch locations with drive-thru ATM access Switch To A United Consumers Checking Account And Enjoy... The choice between four great checking account options FREE 24/7 online account access FREE 24/7 telephone account access FREE MasterMoney Debit

More information

Your Member Kit WELCOME. Here s everything you need to know about the transition from North Shore Manufacturers to Hanscom.

Your Member Kit WELCOME. Here s everything you need to know about the transition from North Shore Manufacturers to Hanscom. Your Member Kit WELCOME Here s everything you need to know about the transition from North Shore Manufacturers to Hanscom. Table of Contents Key Dates... 1 General Account Information... 2 Savings Accounts...

More information

Date Here. Welcome University of Michigan International Students

Date Here. Welcome University of Michigan International Students Date Here Welcome University of Michigan International Students U.S. Banking System Overview Banking is regulated by federal and state governments Privacy Disclosure Fraud protection Protection against

More information

Welcome! BUSINESS SET UP ELECTRONIC DEPOSITS

Welcome! BUSINESS SET UP ELECTRONIC DEPOSITS Welcome! Thank you for being part of our Consumers Family! In this packet you will find the forms you need to close accounts and move money to Consumers. We ve made setting up electronic deposits and automatic

More information

Yes, your card will expire at a given date, which is printed on the front of your card.

Yes, your card will expire at a given date, which is printed on the front of your card. What is the Debenhams Prepaid Card? Debenhams Prepaid Card works in a similar way to a pay as you go mobile phone. You top up what you need, when you need it. You top the card up with money which can be

More information

Date Here. Welcome to DePaul University s New International Students 2015!

Date Here. Welcome to DePaul University s New International Students 2015! Date Here Welcome to DePaul University s New International Students 2015! U.S. Banking System Overview Banking is regulated by federal and state governments Privacy Disclosure Fraud protection Protection

More information

Sending money abroad. Plain text guide

Sending money abroad. Plain text guide Sending money abroad Plain text guide Contents Introduction 2 Ways to make international payments 3 Commonly asked questions 5 What is the cost to me of sending money abroad? 5 What is the cost to the

More information

HIGH YIELD CHECKING. EXPLANATION OF SOME OF OUR KEY SERVICES AND CHARGES Here are details about High Yield Checking services.

HIGH YIELD CHECKING. EXPLANATION OF SOME OF OUR KEY SERVICES AND CHARGES Here are details about High Yield Checking services. EXPLANATION OF SOME OF OUR KEY SERVICES AND CHARGES Here are details about High Yield Checking services. KEY ACCOUNT TERMS AND CHARGES: Monthly Service Charge: No monthly service charge. Includes free

More information

(251) 947-1981 (251) 990-9991 (251) 970-2222 (251) 964-5091

(251) 947-1981 (251) 990-9991 (251) 970-2222 (251) 964-5091 IT S EASY TO MAKE THE SWITCH TO OUR LIBERTY ACCOUNTS! Our Customer Service Representatives are available to help with this process. Just stop into one of our branches in,,, or! OUR CHECKING ACCOUNTS Liberty

More information

Choose Alaska USA and save!

Choose Alaska USA and save! Choose Alaska USA and save! Open a new personal checking account with Alaska USA and get your first box of checks FREE. Alaska USA doesn t charge per-check fees regardless of how many you write per month.

More information

How to Use a Financial Institution

How to Use a Financial Institution How to Use a Financial Institution Latino Community Credit Union & Latino Community Development Center HOW TO USE A FINANCIAL INSTITUTION LATINO COMMUNITY CREDIT UNION & LATINO COMMUNITY DEVELOPMENT CENTER

More information

Welcome to Cape Cod Five. Please use this helpful guide to learn more about the transition to your new Cape Cod Five accounts.

Welcome to Cape Cod Five. Please use this helpful guide to learn more about the transition to your new Cape Cod Five accounts. Welcome to Cape Cod Five Please use this helpful guide to learn more about transition to your new Cape Cod Five accounts. Welcome Cape Cod Five is is here for for you you today and and every every day.

More information

Free access to Teller24, our automated telephone system. A lot of other financial institutions offer free checking with a lot of strings.

Free access to Teller24, our automated telephone system. A lot of other financial institutions offer free checking with a lot of strings. Switch To A City Credit Union Checking Account And Enjoy... No minimum balance No monthly fee No per check fees Free Online Banking with access to canceled checks! Free Online Bill Pay* Free VISA Debit

More information

Oklahoma MasterCard Debit Card. SMART for You. Foster Care Program. Smart for Who? Smart for You. Oklahoma MasterCard Debit Card

Oklahoma MasterCard Debit Card. SMART for You. Foster Care Program. Smart for Who? Smart for You. Oklahoma MasterCard Debit Card Oklahoma MasterCard Debit Card SMART for You Foster Care Program Smart for Who? Smart for You. Oklahoma MasterCard Debit Card Frequently Asked Questions about the Oklahoma Department of Human Services

More information

OneAccount. Banking services provided The Bancorp Bank, Member FDIC.

OneAccount. Banking services provided The Bancorp Bank, Member FDIC. OneAccount U s e r s G u i d e Banking services provided The Bancorp Bank, Member FDIC. Higher One I m Miles, one of the founders of Higher One. If you re reading this, your college or university uses

More information

Abington Bank 6 Harrison Avenue Abington, MA 02351 781 878 0045 TheAbingtonBank.com ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE

Abington Bank 6 Harrison Avenue Abington, MA 02351 781 878 0045 TheAbingtonBank.com ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE Abington Bank 781 878 0045 TheAbingtonBank.com ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE For purposes of this disclosure and agreement the terms "we", "us" and "our" refer to Abington Bank. The

More information

A GUIDE TO YOUR ACCOUNT

A GUIDE TO YOUR ACCOUNT Checking Accounts A GUIDE TO YOUR ACCOUNT It is important that you understand exactly how your Heartland Checking account works! We have created this Guide to explain key fees and terms of your personal

More information

PRACTICAL MONEY GUIDES DEBIT CARD BASICS. What you need to know about using your debit card

PRACTICAL MONEY GUIDES DEBIT CARD BASICS. What you need to know about using your debit card PRACTICAL MONEY GUIDES DEBIT CARD BASICS What you need to know about using your debit card MONEY IN THE BANK If credit cards mean pay later, debit cards mean pay now. These cards are issued by your bank,

More information

It s in the Cards. Participant s Guide

It s in the Cards. Participant s Guide Savvy Saving Seniors It s in the Cards This material was prepared by a third party not affiliated with Bank of America or any of its affiliates and is for information and educational purposes only. The

More information

ReWARD Checking Frequently Asked Questions

ReWARD Checking Frequently Asked Questions ReWARD Checking Frequently Asked Questions Rewards and Qualifications What are the rewards for ReWARD Checking? Earn 1.50 % APY on balances up to $25,000. Earn 0.55% APY on any amount in excess of $25,000.

More information

OU FEDERAL CREDIT UNION SWITCH KIT

OU FEDERAL CREDIT UNION SWITCH KIT OU FEDERAL CREDIT UNION SWITCH KIT Switching your checking account to has never been easier! Just follow these five (5) simple steps! Open your Checking Account Complete an application for your free checking

More information

An Employer s Guide to Payroll Cards

An Employer s Guide to Payroll Cards An Employer s Guide to Payroll Cards An important part of your role as an employer is to ensure that you pay your workers promptly and accurately, and that you comply with federal and state payroll laws

More information

Vocabulary Financial Institutions Student Worksheet

Vocabulary Financial Institutions Student Worksheet Vocabulary Student Worksheet Page 1 Name Period Primary 1. Bounced Check: Vocabulary Financial Institutions Student Worksheet 2. ATM Charge: 3. Stop Payment Fee: 4. Travelers Checks: 5. ATM: 6. FDIC: 7.

More information

Banking at the speed of your life. Online. Mobile. Superior. Safe.

Banking at the speed of your life. Online. Mobile. Superior. Safe. Banking at the speed of your life. Online. Mobile. Superior. Safe. PARKSTERLING Answers You Can Bank On. At Park Sterling Bank, we know that there are times when our answer can help expand a child s future,

More information

EZ-SWITCH. Introducing an EASIER way for you to switch banks!

EZ-SWITCH. Introducing an EASIER way for you to switch banks! EZ-SWITCH Introducing an EASIER way for you to switch banks! Inside this guide, you will find the tools necessary to: Close your existing account and transfer any remaining funds Change your automatic

More information

SWITCH KIT FOR BUSINESS ACCOUNTS. www.highlandsstatebank.com

SWITCH KIT FOR BUSINESS ACCOUNTS. www.highlandsstatebank.com SWITCH KIT FOR BUSINESS ACCOUNTS www.highlandsstatebank.com SWITCHING HAS NEVER BEEN EASIER OR MORE CONVENIENT! Our mission at Highlands State Bank is to help make banking more convenient, easy and an

More information

Notice of Change in Terms for your Deposit Accounts. Redding Bank of Commerce Deposit Accounts Account Terms and Conditions

Notice of Change in Terms for your Deposit Accounts. Redding Bank of Commerce Deposit Accounts Account Terms and Conditions Notice of Change in Terms for your Deposit Accounts Terms outlined in this Change in Terms document, the enclosed Deposit Account Agreement and the enclosed Schedule of Fees and Services of Redding Bank

More information

PNC PayCard Program Cardholder Website How-To Manual

PNC PayCard Program Cardholder Website How-To Manual PNC PayCard Program Cardholder Website How-To Manual January 2011 Cardholder Website How-To Manual Congratulations on your new PNC Prepaid Debit Card! We hope you find the card simple and convenient to

More information

Ready to Go Checking. Simply Stated Product Guide

Ready to Go Checking. Simply Stated Product Guide For us, it s important that you understand exactly how your Ready to Go Checking account works. Below is an explanation of the key terms and fees of your personal account. For additional details of terms

More information

Introducing the Aline Card by ADP SM

Introducing the Aline Card by ADP SM Introducing the Aline Card by ADP SM The shortest distance between you and a better payday The Aline Card the better way to get your pay and manage your money The Aline Card by ADP SM is a pay card that

More information

Visa Debit Card Agreement and Disclosures

Visa Debit Card Agreement and Disclosures www.starone.org Visa Debit Card Agreement and Disclosures 1. Definition of Parties 2. Agreement Acceptance 3. Sign Your Card 4. Account Access 5. Electronic Check Transactions 6. Illegal or Unlawful Transactions

More information

Enjoy the Benefits of the Skylight PayOptions Program

Enjoy the Benefits of the Skylight PayOptions Program Enjoy the Benefits of the Skylight PayOptions Program Enjoy the Benefits of the Skylight PayOptions Program Instead of waiting in line to cash your paycheck, have your pay automatically deposited to a

More information

Using Banking Services

Using Banking Services Teacher's Guide $ Lesson Six Using Banking Services 04/09 using banking services websites websites for banking services The internet is probably the most extensive and dynamic source of information in

More information

Savings @ Work. APG Federal Credit Union : Benefiting Your Employees. Federally insured by NCUA

Savings @ Work. APG Federal Credit Union : Benefiting Your Employees. Federally insured by NCUA APG Federal Credit Union : 1 Your Bottom Line Here at APG Federal Credit Union, we believe that people lead happier lives when they are financially healthy. That s why we developed, a program designed

More information

Visa Reloadable Frequently Asked Questions. EMV Travel Card

Visa Reloadable Frequently Asked Questions. EMV Travel Card Visa Reloadable Frequently Asked Questions EMV Travel Card How does the International Prepaid Card work? The International Prepaid Card is a reloadable prepaid Visa debit card, which means you can spend

More information

Over $1,700 in total value and savings! TABIA Business and Personal Banking Program

Over $1,700 in total value and savings! TABIA Business and Personal Banking Program Over $1,700 in total value and savings! TABIA Business and Personal Banking Program July 27, 2012 Program Overview RBC Royal Bank is pleased to provide TABIA members with a special banking program for

More information

Minimum Balance to Obtain APY Interest Rate Annual Percentage Yield (APY) Not Applicable Not Applicable Not Applicable. Not Applicable.

Minimum Balance to Obtain APY Interest Rate Annual Percentage Yield (APY) Not Applicable Not Applicable Not Applicable. Not Applicable. It s important that you understand exactly how your Basic Banking checking account works. We ve created this summary to explain the fees and some key terms of your account. ELIGIBILITY The Basic Banking

More information

Banking in the United States of America

Banking in the United States of America Banking in the United States of America U.S. Banking System Overview Banking is regulated by Federal and State governments. Privacy Disclosure Fraud protection Protection against dishonest lending Lending

More information

RBC Welcome to Canada package. Everything you need to get settled quickly and easily

RBC Welcome to Canada package. Everything you need to get settled quickly and easily RBC Welcome to Canada package Everything you need to get settled quickly and easily Welcome to Canada 3 When you choose RBC Royal Bank you get: n n Access to service in 180 languages Access to the largest

More information

Alabama Teachers Credit Union nhanced Checking Disclosures

Alabama Teachers Credit Union nhanced Checking Disclosures Alabama Teachers Credit Union nhanced Checking Disclosures Qualification Cycle Requirements Qualification Cycle refers to the period beginning one day prior to the first day of the current statement cycle

More information

Checking Account. Check writing ability. ATM/Debit Card. Direct Deposit capabilities. Online Banking & Bill Pay

Checking Account. Check writing ability. ATM/Debit Card. Direct Deposit capabilities. Online Banking & Bill Pay Banking 101 Banking 101 Contents Checking Accounts Savings Accounts Balancing Checkbook Clearing Transactions Overdrawn Accounts ATM/Debit Card Direct Deposit Online Banking 2 Checking Account Check writing

More information

Switch Kit. Banking the way it ought to be

Switch Kit. Banking the way it ought to be The LNB is just one more way LNB is working to make your life simpler. It s easy follow the 5 simple steps and you ll be banking the way it ought to be! Banking the way it ought to be Switching has never

More information

e Z Want it? To use ezapps you ll first need to register for ezbanking and you can find those steps in the previous ezbanking section.

e Z Want it? To use ezapps you ll first need to register for ezbanking and you can find those steps in the previous ezbanking section. ezsuite ebanking Services In addition to our Commercial Services products, we have a full range of electronic services available to small businesses and individuals. If you currently use a similar Bank

More information

DEBIT/ATM CARD APPLICATION

DEBIT/ATM CARD APPLICATION DEBIT/ATM CARD APPLICATION APPLICANT: Last Name: First Name: M.I. Street Address: Apt. # / PO Box: City: State: Zip: Day Telephone #: Evening Telephone # Debit Card ATM Card SECOND APPLICANT: Last Name:

More information

Prepaid Debit Card FAQs (FAQs with an asterisk appear in the prepaid cardholder collateral piece.)

Prepaid Debit Card FAQs (FAQs with an asterisk appear in the prepaid cardholder collateral piece.) Prepaid Debit Card FAQs (FAQs with an asterisk appear in the prepaid cardholder collateral piece.) Has Bellco partnered with a prepaid debit card vendor? Yes. Bellco has partnered with The Members Group

More information

Cardholder Frequently Asked Questions

Cardholder Frequently Asked Questions Skip to Content Cardholder Frequently Asked Questions Close this browser window to return to session. TOTALPAY Card by ADP FAQs CARD BASICS 1. Is my TOTALPAY Card ready to use when I receive it? 2. When

More information

Gulf Coast Bank Switch Kit

Gulf Coast Bank Switch Kit Gulf Coast Bank Switch Kit Now that you made the right choice, let Gulf Coast Bank help you make the switch. The checklist below will help you keep track of all the information that you need to switch

More information

Visa Debit & Prepaid Card Access Terms and Conditions As at 1 August 2015

Visa Debit & Prepaid Card Access Terms and Conditions As at 1 August 2015 As at 1 August 2015 VISA Card Conditions of Use These Conditions of Use take effect immediately except as otherwise advised in writing and replace all VISA Debit Card Conditions of Use previously issued.

More information

TELLERThird Quarter 2015

TELLERThird Quarter 2015 the TELLERThird Quarter 2015 INSIDE 2 Tips to Protect Your Personal Account Information 3 Drive Happy off the Lot 4 Mobile Check Deposit is on the Way Student Loans Can Help Fill the Gap 5 Picture Your

More information

ELECTRONIC NOTICES DISCLOSURE AND CONSENT. Please read this document before accessing Online Banking Services.

ELECTRONIC NOTICES DISCLOSURE AND CONSENT. Please read this document before accessing Online Banking Services. ELECTRONIC NOTICES DISCLOSURE AND CONSENT Please read this document before accessing Online Banking Services. YOU UNDERSTAND AND INTEND THAT YOUR CLICKING ON THE I AGREE BUTTON BELOW SHALL OPERATE AS AN

More information

BUSINESS BANKING SWITCH KIT. Follow these simple steps to move your business checking relationship to 1st Source Bank.

BUSINESS BANKING SWITCH KIT. Follow these simple steps to move your business checking relationship to 1st Source Bank. BUSINESS BANKING SWITCH KIT Follow these simple steps to move your business checking relationship to 1st Source Bank. Did you know... You have a team of bankers at 1st Source ready to help make each of

More information

Welcome to your CIBC Dividend Visa * Card

Welcome to your CIBC Dividend Visa * Card Welcome to your CIBC Dividend Visa * Card Turn your everyday spending into cash back rewards Get 2% cash back on all grocery purchases 1 Get started with your new cash back card 1. Activate your card Activate

More information