Checking Services (Share Draft Accounts)

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1 Checking Services

2 Checking Services (Share Draft Accounts) UCF FCU makes simple and convenient. Our accounts (called share draft accounts), offer flexible choices to access funds and make purchases - pay by check, Visa Debit card, online with bill payer, through automatic transfers, or even perform transactions using your cell phone with mobile banking. Checking Benefits: 24/7 telephone banking with MATT Phone 24/7 online banking using MATT Web, with easy and secure Bill Payer service 24/7 mobile banking for your web-enabled wireless devices, plus downloadable smartphone apps 1 Free Visa Debit card, with wide-selection of card designs, and many extra, optional benefits Unlimited check writing Unlimited access to thousands of ATMs worldwide Monthly itemized statements, delivered electronically or mailed as a paper statement Convenient direct deposit and payroll deduction available Shared branching at thousands of CU Service Centers nationwide Deposits are insured to at least $250,000, and backed by the full faith and credit of the NCUA, an agency of the U.S. Federal Government 1 Cell phone carrier charges may apply.

3 In addition to our standard benefits, we offer special accounts with additional benefits tailored to members needs and lifestyle (see chart below). Innovators Ages benefits, plus: Free gift at account opening Free ATM card -or- Free Visa Debit card with parent signature Horizons Ages benefits, plus: Free gift at account opening Free first order of 150 UCF FCU custom checks Traditional Checking Checking Benefits benefits MyGreenCFE Paperless Checking benefits, plus: Exclusive green debit card earns ecofriendly reward points, redeemable for valuable items or donate them to support select green charities Elite Ages 55+ benefits, plus: Free book of 150 UCF FCU custom checks per year Fun Bucks Savings Incentive Program, earning 5% APY on deposits of $10 or more per quarter 1 Savings Builder Share Certificate a 6 month share certificate, opened with as little as $5.00 Visa Extras Rewards Exclusive Account Benefits including CardLock TM Platinum Visa credit card with $500 limit, under age 21 requires co-signer or proof of income $250 first time car buyer bonus for our auto loans 2 Visa Extras Rewards Visa Extras Rewards Discounts on qualifying high fuel efficient auto loans and on second mortgages for energy saving home improvements Earth Day Share Certificate a share certificate that always matures on Earth Day, opened with as little as $5.00 Free money orders and official checks 25% discount on safe deposit boxes Visa Extras Rewards 1 Maximum Fun Bucks earnings per quarter may not exceed $100. Funds awarded and deposited into the Fun Bucks Account are contingent with certain restrictions that apply. Fun Bucks expire after (1) one year from date of issuance. Fun Bucks are paid quarterly and the rate is 5% on deposits of $10 or more with an APY (Annual Percentage Yield) of 5.09%. 2 Based on the absence of an automobile tradeline on credit report.

4 Innovators Ages Account based on age No minimum required No monthly service charge Horizons Ages Account based on age No minimum required No monthly service charge Traditional Checking Account Requirements No minimum required No monthly service charge (A monthly low fee of $5 will be charged if a member s cumulative average daily is less than $250 for the month. However, requirement is waived for accounts with an active loan and/or credit card or for members under age 23) MyGreenCFE Paperless Checking No minimum required No monthly service charge (A monthly low fee of $5 will be charged if a member s cumulative average daily is less than $250 for the month. However, requirement is waived for accounts with an active loan and/or credit card or for members under age 23) Elite Ages 55+ Account based on age $1,000 minimum combined -ormonthly direct deposit of pension and/or Social Security check(s) The Visa Debit Card Program That Pays Cash To Central Florida Public Schools. MyCFE4Schools Debit Card Donation Program Upgrade at no cost to a MyCFE4Schools debit card and help support our local public schools. Every time you make a purchase, simply swipe your MyCFE4Schools debit card, sign to authorize the transaction, and CFE will donate $.05 to support schools in your district. The more you use your MyCFE4Schools debit card and sign, the more money you ll raise for your school district! All you have to do is simply

5 UCF FCU Debit Card Our Visa Debit card provides convenient access to cash at thousands of ATMs in the Visa /PLUS Network, and from locations worldwide wherever Visa is accepted. Even use your debit card to pay bills and order merchandise or services by phone, mail or via the Internet. It s like having your checkbook and ATM card rolled into one! Choose from a variety of card designs No annual fee or activation charge No charge for transactions at any CFE/UCF FCU ATM location No charge for Visa purchases or point-of-sale transactions Transactions itemized monthly on your account statement Optional Debit Card Enhancements Visa Extras Rewards Program visaextras.com Enroll your Visa Debit card in the Visa Extras Rewards Program, and you can earn reward points redeemable for free travel, merchandise and popular merchant gift cards. Each time you purchase items by choosing to sign for your transaction (instead of using your PIN), you ll earn 1 point for each $1 of a qualifying purchase made with your enrolled Visa card. - cucardlock.com or CULOCK-1 Enroll your Visa Debit card in our innovative CardLock service and put the power to prevent credit and debit card fraud in your hands. With one quick phone call to the automated system or a visit to the secure website you can lock and unlock purchase authorizations on your card account. It s a simple way to protect your payment card from fraudulent usage anytime, anywhere.

6 Debit Card Uses As an ATM Card: Use it at millions of ATM locations worldwide for cash withdrawals, deposits, transfers and inquiries. And, at select UCF FCU/CFE ATMs, you can even purchase U.S. postage stamps and discount movie tickets as well as make loan payments. As a Debit Card: Use it for your everyday purchases at gas stations, stores, restaurants, online merchants as well as to pay your bills- wherever Visa Debit is accepted. Since it s not a credit card, there are no bills to pay. The funds are deducted directly from your account. Pay for transactions with the debit option: Enter a PIN instead of signing for your purchase. Receive cash back with your purchase as available, saving a trip to the ATM and no foreign ATM fees. Pay for transactions with the credit option: Your debit card is not a credit card, so there are no bills to pay and no credit is activated as a result of selecting credit. Sign for your purchases, instead of using your PIN. Get maximum protection for a lost or stolen debit card with Visa s Zero Liability Policy. Earn points through the Visa Extras Rewards Program. Free automatic participation in all of Visa s national promotions.

7 Online Services Online Banking - ucffedcu.org Convenience is important. We offer a variety of online services so you can easily and securely manage your finances 24 hours a day, seven days a week. With our online banking, MATT Web (Member Automated Teller Transaction), you can easily do all of the following: Check account s and history View e-statements and e-drafts of your cleared checks Pay bills online with Bill Payer Transfer funds from one account to another Set customized e-alerts to receive notification of important account activities Make a withdrawal, and we will mail you a check for the desired amount Apply for loans and check application status Order checks Manage your personal contact information and passwords Create personalized nicknames for your accounts Purchase personalized prepaid Visa Gift cards and reloadable cards Purchase share certificates Easily download your monthly account history into a personal financial management software program to help simplify budgeting Mobile Banking - Mobile banking is the fast and secure way to access your accounts from the palm of your hand, using your web-enabled wireless device. You can manage your accounts the same way you do in online banking check s, transfer funds, pay bills, and locate a nearby branch or ATM.

8 Locations: Challenger Parkway Branch Challenger Parkway Orlando, FL Phone: (407) Fax: (407) Campus Branch Universi ty of Central Florida JT Washington Center - Bld. 26, Room 107 Orlando, FL Phone: (407) Fax: (407) University Commons Branch Corporate Boulevard, Suite #100 Orlando FL Phone: (321) Fax: (407) Phone: (UCF FCU Member info line) Online: facebook.com/ucffed twitter.com/ucffcu 1/12 Federally insured by NCUA