WE RE GLAD YOU RE HERE!

Transcription

1 WE RE GLAD YOU RE HERE! Your New Georgia United Account information

2 Online & Mobile We offer Access and Convenience services that are simple, convenient and set us apart from other financial institutions. As a valued member, you have access to your account via Online Banking, Mobile Banking and Mobile Deposit. You will need to enroll in Online Banking. Please follow the simple instructions below. Enrolling in Online Banking Please visit our website at georgiaunitedcu.org Click Not Registered Complete the required fields (Account Number, Last 4 of SSN, Date of Birth) Type YES to Accept the Terms of Service Create a username and password You will then be prompted to create three challenge questions, set up your security phrase, and choose a security image Congrats! Your enrollment in Online Banking is complete using mobile Banking Before getting started with Mobile Banking, you will need to register for Online Banking. Please review the Online Banking registration instructions above Download our free app from itunes or Google Play Enrolling in and Using Swift Deposit Enrollment in Swift Deposit* requires a quick and simple two-step process: First log into Online Banking and select the Swift Deposit option to register your account Next download the Georgia United Credit Union Swift Deposit Mobile App for free from itunes or Google Play Endorse the back of the check and write your account number Use good lighting and a dark background Make sure all four corners of the check display in the camera viewer *Funds deposited using the service may be available within five business days. Georgia United may make funds available sooner at its own discretion. Please see the Funds Availability Policy included in this kit. 1

3 CHECKING Checking account options We have a wide variety of checking options for every stage of life. We offer Overdraft Protection and Courtesy Pay to protect your payments from insufficient funds, access to VISA Debit Cards, E-Statements and free direct deposit. Additionally, as part of our efforts to ensure your account security, each checking account features free identity theft protection! A few of our checking products include: Free Checking Our most popular account is free when you sign up for direct deposit or E-Statements. Please sign-up for E-Statements within 90 days to avoid a $5 monthly service charge. No monthly service fees or minimum balance requirement (direct deposit or E-Statement required for free checking) Unlimited check writing, withdrawals and transactions allowed per month Free unlimited Bill Pay (direct deposit or E-Statement required for free Bill Pay) Thrifty Checking Don t have many checking transactions each month? Then our convenient Thrifty Checking Account may be the option for you! For $2.50 per month you get 20 checks (or transactions), with an additional service charge of 30 per-item over 20. No minimum balance requirement First 20 checks/withdrawals included (additional service charge applies per check/withdrawal in excess of 20) Monthly statement provided Premier Checking Enjoy the benefit of an interest bearing checking account with Premier Checking from Georgia United. Receive monthly dividends when you maintain an average daily balance of $1,000 and enjoy no per-check charges! Interest bearing checking account No monthly service fees (as long as $1,000 minimum daily balance requirement is met) Unlimited check writing, withdrawals and transactions allowed per month 2

4 SAVINGS SAVINGS ACCOUNTS for A BRIGHTER FUTURE! Whether saving for something special, building your nest egg, or simply getting a handle on your monthly budget, our wide variety of savings options can help with all your savings goals. We re here to ensure you get on the right savings track! A few of our savings products* include: Certificates of Deposit (cds) Sometimes we have to make our money work a little bit harder for us! A safe and guaranteed way to earn higher dividends on your funds is with a longer term Certificate of Deposit. Competitively higher dividend rates with safe, guaranteed payouts Flexible terms The ability to secure a loan against your Certificate of Deposit at a considerably lower rate Please note that Georgia United will charge a penalty for early withdrawals on certificates. Sterling Fund Money Market If you need your funds to remain accessible while earning higher dividends, our high yield money market might be the best fit for you. $1,000 minimum to earn dividends and avoid service fees Checks and withdrawals permitted (check writing and withdrawal restrictions apply members allowed three free withdrawals or checks per month) Budgeting tools available Payroll deduction available for qualified members; as well as the ability to set up scheduled transfers to reach your savings goals faster! *The National Credit Union Administration (NCUA) insures your deposits (in savings, savings certificates, and share-draft/checking accounts) up to $250,000. IRA s are insured separately to $250,000. 3

5 Lending Lending services with the flexibility you need! Whether in you re in the market for a new or pre-owned vehicle, ready to make your dream home a reality or are looking for the perfect credit card options that best fit your needs, Georgia United has the right product for you! A few of our most popular loan products include: Auto Loans Competitive low rates Flexible payment terms No prepayment penalties or application fees Quick processing times Refinance options available Full-service Mortgage products First mortgages Second mortgages Home Equity Lines of Credit Land/Lot loans VISA CREDIT CARDS Competitive Cash Back and Platinum Card offers No annual fees VISA benefits No fee for balance transfers Introductory rates as low as 1.99% APR* *After the first 12 months, Annual Percentage Rate (APR) will vary based on borrower s credit-worthiness and ability to repay. The estimated rate is between 7.99% & 24.99%. Balance transfers must occur within the first three billing cycles. For more details on our full range of competitive products and services please visit georgiaunitedcu.org. 4

6 Consumer loans Georgia United offers several types of consumer loans for when unexpected events occur. With our low rates and flexible terms, we are able to help you quickly obtain the funds needed to manage unplanned expenses, pay off other higher rate balances or rebuild your credit. personal Loans No application fees, annual fees or pre-payment penalties Fixed rate terms No collateral required (determined by member s credit worthiness) Debt Protection available for qualified members personal lines of credit Substantial credit limits Easily accessible credit lines Competitive rates No application fees, annual fees or pre-payment penalties share and certificate secured loans Shares on deposit with Georgia United can be pledged as collateral for a loan. Benefits include: Low rates and flexible repayment terms Continues to earn dividends on your savings or certificate while you borrow Perfect way to establish or rebuild your credit For more details on our full range of competitive products and services please visit georgiaunitedcu.org. 5

7 Loan protection plans Debt Protection* Georgia United offers optional Debt Protection for qualified members, meaning that subject to approval, the debt will be paid in the event of disability, death or loss of employment. * Claims subject to approval. Extended Warranty** Extended Warranty is an optional protection program that offers members the opportunity to add additional warranty term and mileage coverage to their vehicles regardless of whether the vehicle is financed with Georgia United. Benefits of Extended Warranty include: No deductible Nationwide coverage 30 day money back guarantee Emergency roadside service Protects the member s asset and budget against unexpected repairs ** This section is intended to provide basic information regarding Extended Warranty; complete terms and provisions are contained within each of the plans. Please ask us for more details about Extended Warranty. Guaranteed Asset Protection (GAP) GAP is an optional coverage designed to relieve the borrower(s) from the responsibility to repay the remainder of the loan balance not covered by their primary insurance when a vehicle is totaled or stolen. Some of the Benefits of GAP Coverage include: Low cost protection Eliminates the out-of-pocket expense for the remaining loan balance after loss settlement Helps the borrower avoid financial hardship and afford a replacement vehicle Helps protect the borrower s credit rating For more details on our full range of competitive products and services please visit georgiaunitedcu.org. 6

8 Retirement Accounts Investment Accounts for your future Georgia United is committed to helping our members save. With our members needs in mind, we offer three types of Individual Retirement Accounts. We have also partnered with CUNA Brokerage Services, Inc. to offer MEMBERS Financial Services.* Individual Retirement Accounts (IRAs) For your long-term retirement savings needs, consider an IRA with Georgia United. To help you meet your retirement savings needs, we are currently offering three types of IRAs: Traditional, Roth, and Coverdell (Education IRAs). For your convenience, Georgia United offers IRA Certificates (CDs) and IRA Share Savings Accounts. Please ask us or visit georgiaunitedcu.org for more details, rates and terms on these products. An IRA might be the retirement savings vehicle that best suits you, and may provide you with additional tax benefits. For details, please contact our MEMBERS Financial Service Representative or your Tax Advisor. MEMBERS Financial MEMBERS Financial Services is a personal financial management service designed especially for credit union members. Our member-exclusive MEMBERS Financial Services offers investment services, a wide range of financial management options, and a variety of insurance and investment solutions. Please contact our MEMBERS Financial Services Representative to create a personalized financial plan that helps you reach your individual goals. Andy Anderson, LUTCF, CFS Financial Advisor ext andy.anderson@cunamutual.com *Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor. CBSI is under contract with Georgia United Credit Union to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution. CUNA Brokerage Services, Inc. is a registered broker/dealer in all fifty states of the United States of America. 7