G.A.P. Federal Credit Union. Click to Continue
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1 G.A.P. Federal Credit Union Click to Continue
2 MAKE YOUR PAYMENTS THE EASY WAY WRITE A CHECK Click to Continue
3 Knowing how to use a share draft/checking account is an important skill for today. It provides a safe, convenient way for you to manage your money. Having a share draft/checking account can also make you a better consumer. In fact, you will find many good reasons to open one and keep accurate records of your account activities. This exercise will help you do all that! Click to Continue
4 A share draft/check is a written order to the credit union. It tells the credit union to take a stated amount of money from your share draft/checking account and pay it to another person or company. Soon after you open an account, you will receive a checkbook filled with blank share drafts/checks that have your name and address on them. Click to Continue
5 SAFETY PROOF OF PAYMENT CONVENIENCE ESTABLISH CREDIT BUDGETING
6 When you deposit a share draft/check in a credit union, bank, or savings and loan, your financial institution usually puts a hold on the money for one to five days or more. That s because it takes time for the share draft/check you deposit to clear. Before this can happen, your financial institution must determine if the person writing the share draft/check has enough funds in his or her account to cover its amount. This is done by sending the share draft/check though the clearinghouse system. Clearinghouses are places where share drafts and checks are exchanged--often electronically--between financial institutions. Each credit union is serviced by a clearinghouse that also services many other credit unions. Banks have their own clearinghouses, as do savings and loans. Always be sure that you have enough money already available in your account before you write share drafts/checks so that your deposits have time to clear
7 ATM s are computer terminals that allow you to make transactions to your accounts without having to go to the credit union. ATM s are everywhere: at malls, in credit unions, in banks, at grocery stores, and even in rest areas along highways. The nicest part of ATM s is that they re convenient to get to... and available 24 hours a day. In order to use an ATM, your credit union issues you a small plastic card. The credit union also assigns you a Personal Identification Number (PIN), or you may be able to choose your own PIN. You need your PIN to access your account with your ATM card. This card allows you to make deposits and withdrawals or transfer money from one account to another. When you withdraw cash from your share draft/checking account through an ATM, you do not have to write out a share draft/check. Instead, you follow the prompts on the screen. In some places, the questions are in Spanish as well as English. You will receive a receipt for your records. Be sure to write ATM transactions in your check register right away: they ll appear on your monthly statement or online at GAP Access.
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9 1. Write VOID in big letters across the share draft/check. 2. Write VOID for the share draft/check number in your register (or on your stub) 3. Destroy/shred the share draft/check and write a new one.
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12 Click to Continue You start with a balance of $235.29, which is recorded in your register. We completed the exercise for you on the following three pages and recorded all the transactions in the check register that follows.
13 Click to Continue
14 Click to Continue
15 Your register should look like this when all of your transactions have been entered.
16 Click to Continue
17 W: STATEMENT MANAGEMENT er: To be a sound money manager, it s important to or reconcile your credit union statement with your share drafts/checks, or your check register each eview what to do when your statement : u use duplicate share drafts/checks, be ll of them are listed on the statement and ere are no share drafts/checks on the ent for which you have no duplicate. mine your check register and your ent to make sure that all your deposits, ds and any credits are added. Also check l service charges are deducted. IF YOUR CHECKBOOK DOESN T BALANCE ( ) Did any deposits reach your credit union after the closing date of your statement? ( ) Did you write share drafts/checks near the end of the month that may not have cleared before your statement was prepared? ( ) Have you correctly entered the amount of each share draft/check in your register? ( ) Are the amounts of deposits entered in your register the same as those shown on your statement? ( ) Have all share drafts/checks been deducted from your checkbook? ( ) Have you deducted all fees from your checkbook balance? ( ) Have you carried the correct balances forward when writing share drafts/checks or entering deposits? Have you entered all ATM and other electronic transfer transactions in your checkbook register? IF IT STILL DOESN T BALANCE, CALL YOUR CREDIT UNION?
18 ETTING UP YOUR FILES der to keep track of your account, is a helpful hint: p two separate files one for your k register and blank share ts/checks, the other for monthly ments and cancelled share ts/checks. erally, you should keep your ments and cancelled share ts/checks for three years, but some ld be saved for seven years or er for income tax purposes, i.e. tax ents, doctor bills, gifts to charity, KEEP YOUR ACCOUNT SAFE AND IN ORDER Keep your checkbook and blank share drafts/checks in a safe place. Cash or deposit share drafts/checks at once. Don t accept any that are over six months old; they are no good after that time. Some share drafts/checks are good for only 60 days and have Not Good After 60 Days printed on them. Order new share drafts/checks before you run out. Don t have your driver s license number preprinted on your share drafts/checks. Know your account number in case your checkbook is stolen and you have to report it to the credit union. Order new share drafts/checks one box at a time to prevent thieves from stealing one box from a multiple-box order. Memorize your ATM PIN. Don t write it down anywhere, especially not on your ATM card! Some credit unions let you choose your own PIN don t choose an obvious number such as your birthday or address (a thief could get such numbers easily if he also had your driver s license). Never give out your account number or next share draft/check number over the telephone. Report lost or stole checkbooks, share drafts/checks, or ATM cards to your credit union immediately.
19 lready covered ATM s, but here are some other electronic funds transfer (EFT s) that are changing the way people use their share draft/checking ts. The important thing to remember when using any of these services, is r the transaction in your check register immediately! POINT OF SALE TRANSACTIONS e electronic systems are used by many restaurants, supermarkets, gas stations, other stores to automatically subtract the amount of your purchase from your unt. Instead of giving the cashier cash or a share draft/check you use your t card. A receipt is printed for you to keep track of the purchase. Deductions ade immediately, so you have to know exactly what your balance is before you your debit card to avoid any Non-sufficient Funds Fees (NSF). PREAUTHORIZED BILL PAYMENTS authorize them to do so, specified regular monthly bills can be paid automatically from your share checking account without issuing a share draft/check each month. Typical bills paid this way might e car payments, utility bills, rent payments, insurance premiums and health club dues. These types of onic payments can be made by phone or internet be set up through the merchant, financial institution, nce company, etc. DIRECT DEPOSIT ost cases, your paycheck or income can be ctronically deposited to your credit union account. ect Deposit gives you immediate access to your money. ELECTRONIC BILL PAY (EBP) Most financial institutions offer an electronic bill pay service where your monthly bills can be set up to pay one-time-only or automatically every month.
20 Please print this page, sign, date and return to the credit union for further consideration. By signing below I acknowledge that I have read the preceding power point in its entirety for the purpose of reapplying for a debit card prior to the six month waiting period. It is my understanding that if my account should not remain in good standing, the credit union can revoke my debit card privileges permanently. Signature Date G.A.P. Federal Credit Union 111 Franklin Street, Room 224 Johnstown, Pa (814) *** (800)
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