Connecting ALL Your Banking Needs. How do I become a Member? Smart savings, made simple. SAVINGS

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Connecting ALL Your Banking Needs. How do I become a Member? Smart savings, made simple. SAVINGS"

Transcription

1

2 Connecting ALL Your Banking Needs. SAVINGS We all have multiple financial needs. Whenever you need to bank, borrow or plan and grow, Align is here to help you every step of the way in one of our branches, online or on the phone. With customized solutions and exceptional service, our financial experts are here for one reason: to serve you. How do I become a Member? It s easy. Align Membership is open to anyone who lives, works or attends school in many communities in Northeastern Massachusetts and Southern New Hampshire. To become a Member, just open an Align Membership Savings Account. All it takes is $25 and you can take advantage of the great benefits that come with being an Align Member. To open your account and become a Member today, visit a branch near you, go to AlignCU.com or call (800) 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 It only takes a $25 deposit to get started. MyGoal Savings With flexible terms, this dedicated account keeps your savings on track for that special something. Extra Savings Tools When it comes to your finances, we look at the big picture and offer additional ways to help make your financial future as bright as possible with: + IRAs + CDs + Money Market Accounts

3 CHECKING *Message and data rates may apply. **Additional storage available for purchase. **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 5/1/2015. Checking that fits your life. At Align, you can find an account that fits you today, with the flexibility to grow and change as you do. All Align checking accounts feature: + + No monthly maintenance fees + + FREE VISA Rewards Debit Card which earns you CURewards points for every purchase + + FREE access to over 27,000 ATMs + + Protection from unauthorized usage through Verified by VISA + + FREE eservices: Online and Mobile Banking*, BillPay, estatements, Desktop Remote Deposit, Remote Mobile Deposit, Pay People and 25 MB of storage in My Virtual Strongbox ** Our Connect Premier*** checking account is for Members who want to take advantage of the best benefits available with their Align relationship. Our Connect Plus account is the perfect option for Members who use accounts a little less frequently but still want great benefits. The Connect account is just right for those who are looking for a simple and easy account. ***Connect Premier: Must have a combined deposit and lending balance or limit of at least $10,000, Membership Savings Account, Align Checking Account, Align Debit Card and one of the following Align products: mortgage, home equity loan or line of credit, credit card, auto loan or recreational vehicle loan. Your Membership will be reviewed monthly to determine the money management package you qualify for. If you no longer meet the requirements of the Connect Premier Money Management package after 90 days, you will no longer receive the benefits of the Connect Premier Money Management package. Connect Plus: Must have a combined deposit and lending balance or limit of at least $2,500, a Membership Savings Account, Align Checking Account, Align Debit Card and one of the following products with Align: auto loan, credit card, recreational vehicle, business deposit account or business loan. Your Membership will be reviewed monthly to determine the money management package you qualify for. If you no longer meet the requirements of the Connect Plus Money Management package after 90 days, you will no longer receive the benefits of the Connect Plus Money Management package. Connect: 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 of the Connect Money Management package after 90 days, you will no longer receive the benefits of the Connect Money Management package. You will receive a certain number of free ATM transactions at non-align ATMs, 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. Benefit Checking (Ages 65+) This account earns interest with no maintenance fees and comes with FREE standard checks for life.

4 YOUTH ACCOUNTS Accounts for every age and stage. New Baby Account (Ages 0-1) All you need is your baby s birth certificate and social security card to open a savings account. Align will even deposit $25 to get you started.* Super Saver Account (Ages 0-23) Earn a higher interest rate than a regular savings account, plus get a special bonus after six months of making a minimum monthly deposit.** Starter CD (Ages 5-17) This account has a great rate, low minimum deposit, short 12-month term and the option to make two additional deposits along the way to boost savings.*** *$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 5/1/2015. **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. $1.00 minimum balance to earn.75% APY. Annual Percentage Yield accurate as of 5/1/2015. Only one account per Member. New money only. *** Only one CD per Member. Student Checking (Ages 14-23) A simple account with no minimum balance, free eservices, a VISA Debit Card and FREE first order of standard checks. Plus, Align will match your $25 initial deposit if you bring in proof of acceptance/enrollment in college. 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 5/1/2015.

5 VISA PAYMENT OPTIONS VISA Credit Cards Unparalleled benefits and choices. + + VISA Signature Rewards with the best benefits and EMV microchip technology for the best security + + VISA Platinum Rewards that s flexible, easy and rewarding + + VISA Platinum with a lower APR VISA Debit Card All Align checking accounts come with a FREE VISA Debit Card. + + 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 Earn points with every purchase with Align s VISA Signature Rewards, VISA Platinum Rewards and VISA Debit Cards. Redeem points for cash back, airfare, car rentals, hotels, digital cameras, jewelry and more. VISA Prepaid Cards Perfect for students, travelers or just about anyone who would like to keep better track of their finances without the complications of a traditional checking account. Prepaid cards are reloadable and give you the flexibility to securely manage your money and make purchases anywhere VISA is accepted without the risk of carrying cash.

6 BORROWING Financing + + A variety of rates and terms + + Free pre-approvals + + Financing for new purchases + + Refinance your existing loan from another institution + + Free online access for making payments + + Discount for direct payment from an Align Checking Account + + Discount if Loan to Value Ratio is less than 70% Insurance + + Comprehensive auto insurance offered through the Insurance Center of New England with Member discounts and interest-free payment plans Connecting ALL your auto needs. Align will steer you in the right direction when it comes to finding, financing and insuring your next vehicle. Shopping + + AutoSmart Online Portal to help you find the perfect new or used vehicle and secure financing directly through one convenient site + + Auto Advisors to help you get the best deal possible Additional Protection + + Optional Debit Protection available to help cover debt in case of disability, loss of life or involuntary unemployment* + + Guaranteed Asset Protection (GAP) available in case your vehicle is stolen, accidentally damaged beyond repair or declared a loss** *Your purchase of MEMBER S CHOICE TM Borrower Security is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions and exclusions may apply. Please contact your loan representative or refer to the Member Agreement for a full explanation of the terms of MEMBER S CHOICE TM Borrower Security. You may cancel the protection at any time. If you cancel protection within 30 days, you will receive a full refund of any fee paid. ** Your purchase of MEMBER S CHOICE TM Guaranteed Asset Protection (GAP) is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions and exclusions may apply. Please contact your loan representative or refer to the Member Agreement for a full explanation of the terms of GAP. If you choose GAP, adding the product fee to your loan amount will increase the cost of GAP. You may cancel the protection at any time. If you cancel protection within 90 days, you will receive a full refund of any fee paid. You will receive additional information before you are required to pay the fee for this product. DPGAP-0913-AAE6.

7 Financing to fit you. Our Home Financing Consultants will be there every step of the way, providing expert guidance to match you with a loan that fits your needs. Home Financing + + Fixed and adjustable rate loans + + Purchases and refinances + + First-time homebuyer programs + + Home equity loans and lines of credit + + Construction loans + + Home insurance available through the Insurance Center of New England Personal Loans + + Secured loans with low rates + + Savings Secured loans + + CD Secured loans + + Overdraft Line of Credit

8 eservices Connect at the touch of a button with these FREE Apps for your iphone, ipad or Android. Align Mobile Banking App** Check balances, make loan payments, transfer funds between Align accounts, find Align branches and ATMS, and conveniently deposit checks by capturing a picture on your mobile device.** AutoSMART Mobile App Research vehicle features, prices, trade-in values and even quickly apply for a loan with Align s Loan Approval Tools.** eservices and Apps to make your life easier. We understand your life is full of twists and turns. And sometimes they don t take you past an Align branch during business hours. That s why we offer technology to help you take care of your banking when and where it s convenient for you. Align Credit Card Mobile App** View recent and pending transactions, make payments, report a lost or stolen card and more.** *Additional storage is available for purchase. **Message and data rates may apply. + + Online Banking + + Online Bill Pay + + estatements + + Account-to-Account Transfers + + Mobile Check Deposit + + Desktop Remote Deposit + + Pay People Send, request and receive money through your iphone, ipad or Android + + My Virtual StrongBox Store, protect and keep copies of your most important documents safe in case of disaster. Each Member gets 25MB for FREE.*

9

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

+ Checking & Savings + Smart choices for managing Your money. + Checking & Savings + Smart choices for managing Your money. Checking that fits your life. Choosing the right checking account can be downright confusing. At Align, we make it easy to build an account

More information

+ Credit Cards & Personal Loans + Lending a hand when you need it.

+ Credit Cards & Personal Loans + Lending a hand when you need it. + Credit Cards & Personal Loans + Lending a hand when you need it. Banking that is truly rewarding. Shouldn t banking be a rewarding experience? We think so. With Align s CURewards, automatically earn

More information

+ Auto Loans & Services + Connecting ALL Your Auto Needs.

+ Auto Loans & Services + Connecting ALL Your Auto Needs. + Auto Loans & Services + Connecting ALL Your Auto Needs. Find it Finance it Insure it Love it Love your car and how you get it. Whether you re looking to buy, fi nance, refi nance or insure, we ve got

More information

Program Overview. Preferred Premier Platinum

Program Overview. Preferred Premier Platinum Program Overview Picatinny Relationship Rewards is everything you would expect from a financial rewards program and more. The program is designed to reward members for achieving their goals through a full

More information

Contact Center 630.276.5555 800.942.0158 (toll-free) 8:30 am 4:00 pm. Learn more about your credit union at. hacu.org

Contact Center 630.276.5555 800.942.0158 (toll-free) 8:30 am 4:00 pm. Learn more about your credit union at. hacu.org Membership hacu.org Contact Center 630.276.5555 800.942.0158 (toll-free) Monday Wednesday Tues.,Thurs. & Fri. 8:30 am 5:00 pm 8:30 am 1:00 pm 8:30 am 4:00 pm Learn more about your credit union at hacu.org

More information

Kitsap Credit Union Membership

Kitsap Credit Union Membership Membership Benefits Kitsap Credit Union Membership Kitsap Credit Union is your local, not for profit financial co-op. As a co-op, we work towards the best interest of our members. Since 1934 we ve been

More information

banking Better for Less member services, loans & benefits It s ALL inside. Everything you expect from your bank and more. www.lcfcu.

banking Better for Less member services, loans & benefits It s ALL inside. Everything you expect from your bank and more. www.lcfcu. It s ALL inside. Everything you expect from your bank and more. member services, loans & benefits Better banking for Less Loans. Deposits. Insurance. Investments. www.lcfcu.org a tradition of Service Library

More information

CONVERSION GUIDE. independent-bank.com

CONVERSION GUIDE. independent-bank.com CONVERSION GUIDE independent-bank.com The Independent Way Independent Bank s origins extend back to 93 when it first formed a local bank to serve the needs of its community. Independent Bank pledges to

More information

C O N V E R S I O N G U I D E

C O N V E R S I O N G U I D E CONVERSION GUIDE The Independent Way Independent Bank s origins extend back to 93 when it first formed a local bank to serve the needs of its community. Independent Bank pledges to deliver unparalleled

More information

2014 Bank of Oklahoma, a division of BOKF, NA. Member FDIC. Equal Housing Lender.

2014 Bank of Oklahoma, a division of BOKF, NA. Member FDIC. Equal Housing Lender. 2014 Bank of Oklahoma, a division of BOKF, NA. Member FDIC. Equal Housing Lender. OK CN 4000 Rev. 11/14 Personal and Business Checking and Savings Solutions TABLE OF CONTENTS Personal Checking 02 Personal

More information

$25. Opening Deposit on us!* For more information please contact: BRANCH AND ATM LOCATIONS WHO IS THE SF POLICE CREDIT UNION? WHAT DO WE OFFER?

$25. Opening Deposit on us!* For more information please contact: BRANCH AND ATM LOCATIONS WHO IS THE SF POLICE CREDIT UNION? WHAT DO WE OFFER? SFPCU Welcomes Contra Costa SO WHO IS THE SF POLICE CREDIT UNION? The SF Police Credit Union has provided financial services since 1953. We are a non-profit, financial institution that is cooperatively

More information

Personal and Business Checking and Savings Solutions

Personal and Business Checking and Savings Solutions 2015 Bank of Texas, a division of BOKF, NA. Member FDIC. Equal Housing Lender. TX CN 4000 Rev. 3/15 Personal and Business Checking and Savings Solutions Call our 24-Hour ExpressBank TABLE OF CONTENTS Personal

More information

Mates Rates Package. From your friends at Kiwibank.

Mates Rates Package. From your friends at Kiwibank. Mates Rates Package. From your friends at Kiwibank. Join Kiwibank today and while you re a Mates Rates member, you ll get even better value banking. Check out what you ll get: Everyday Accounts Choice

More information

Consumer Loan & VISA Rates October 1, 2015 (rates are subject to change)

Consumer Loan & VISA Rates October 1, 2015 (rates are subject to change) Consumer Loan & VISA Rates Loan Type Terms & Special Features Interest Rate (APR) 1 New and Used Auto Finance up to 120% of purchase price on new autos (not including tax, title, licensing and cancelable

More information

WE RE GLAD YOU RE HERE!

WE RE GLAD YOU RE HERE! WE RE GLAD YOU RE HERE! Your New Georgia United Account information Online & Mobile We offer Access and Convenience services that are simple, convenient and set us apart from other financial institutions.

More information

Ambassador Handbook. the new spectrum of banking since 1952

Ambassador Handbook. the new spectrum of banking since 1952 Ambassador Handbook the new spectrum of banking since 1952 www.technicolorfcu.org Technicolor Federal Credit Union is a not-for-profit, cooperative financial institution. It s similar to a bank, except

More information

Get paid a day early with Direct Deposit

Get paid a day early with Direct Deposit March 2015 Number 3 Volume 53 Get paid a day early with Direct Deposit Are you anxious around payday, worrying about having money in your account to pay bills on time? Sign up for SAFE Direct Deposit and

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

Becoming. A Family Member

Becoming. A Family Member Becoming A Family Member Are you an employee of one of our Community Partners? Do your children attend school in one of our partnering schools in Jackson and Ingham counties? Are you involved with any

More information

Your Checking Switch Kit

Your Checking Switch Kit Your Checking Switch Kit 4 Easy Steps To Switch Your Checking Account To Educational Systems FCU step 1 Open your checking account Contact one of our Member Service Representatives. step 2 Move your Direct

More information

Checking Services (Share Draft Accounts)

Checking Services (Share Draft Accounts) Checking Services 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

More information

SAME GREAT BANK. SHINY NEW SYSTEM. A guide for our new system upgrade on October 12, 2015, and how it affects your accounts at Bank Midwest.

SAME GREAT BANK. SHINY NEW SYSTEM. A guide for our new system upgrade on October 12, 2015, and how it affects your accounts at Bank Midwest. SAME GREAT BANK. SHINY NEW SYSTEM. A guide for our new system upgrade on October 12, 2015, and how it affects your accounts at Bank Midwest. 1 CONTENT Introduction... 1 What s the point of this?... 2 A

More information

First Federal s Services and Products

First Federal s Services and Products Personal Banking Checking & Saving First Federal s Services and Products Evergreen Checking No First Federal fees for ATM use at any MoneyPass ATMs Free Online Banking and Bill Pay No minimum balance No

More information

Consumer Pricing Information

Consumer Pricing Information Consumer Pricing Information Checking Package Options Minimum Opening Deposit Requirement to Waive ACCOUNT INFMATION 1. U.S. Bank Packages Prior to August 12, 2013: To maintain Package benefits, a Silver,

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

COMPARATIVE BALANCE SHEET Balances as of December 31, COMPARATIVE STATEMENT OF INCOME Balances as of December 31,

COMPARATIVE BALANCE SHEET Balances as of December 31, COMPARATIVE STATEMENT OF INCOME Balances as of December 31, COMPARATIVE BALANCE SHEET Balances as of December 31, ASSETS 2009 2008 Unsecured Loans 6,112,423 5,085,192 Mortgage/Home Equity Loans 13,022,496 11,949,860 New and Used Vehicle Loans 18,028,532 16,456,915

More information

PARTICIPATION REWARDS PROGRAM USER AGREEMENT

PARTICIPATION REWARDS PROGRAM USER AGREEMENT PARTICIPATION REWARDS PROGRAM USER AGREEMENT The following are the terms and conditions of the Affinity Plus Federal Credit Union ( Affinity Plus ) Participation Rewards Program User Agreement. The terms

More information

FAST & EASY TeleCHIEF Phone Banking is quick and simple to use. To begin TeleCHIEF, follow these step-by-step instructions.

FAST & EASY TeleCHIEF Phone Banking is quick and simple to use. To begin TeleCHIEF, follow these step-by-step instructions. SAFE & SECURE TeleCHIEF transactions can only be authorized with your account number and Personal Identification Number (PIN), selected by you. You must also complete and sign the attached application

More information

Deposit Accounts. Deposit Accounts

Deposit Accounts. Deposit Accounts Deposit Accounts Deposit Accounts Heritage Valley s local banking team provides personal service that takes the stress out of day-to-day finances. We are committed to providing an effortless banking experience

More information

MEMBERSHIP. Benefits PRODUCTS & SERVICES

MEMBERSHIP. Benefits PRODUCTS & SERVICES MEMBERSHIP Benefits PRODUCTS & SERVICES Accessing Your Accounts 4-7 Mortgages 8-11 Auto & Consumer Loans 12-13 Personal Loans 14-15 VISA 16-17 Checking & Deposit Accounts 18-21 Financial Education 22-23

More information

Personal Account Conversion Charts

Personal Account Conversion Charts Personal Account Conversion Charts 33 Simple Checking Columbia Checking Free Check Safekeeping 2 or estatements 7. Gold Checking, VIP Checking or Platinum Checking and the primary account holder is at

More information

Mates Rates Package. From your friends at Kiwibank.

Mates Rates Package. From your friends at Kiwibank. Mates Rates Package. From your friends at Kiwibank. Join Kiwibank today and while you re a Mates Rates member, you ll get even better value banking. Check out what you ll get: Everyday Accounts Choice

More information

PRODUCT KNOWLEDGE SAMPLE. Sample. Credit Union Name. Developed By:

PRODUCT KNOWLEDGE SAMPLE. Sample. Credit Union Name. Developed By: MEMBER NEEDS HANDBOOK Credit Union Name Developed By: The Pell Group & Creating Member Loyalty Copyright 2014 Credit Union National Association, Inc. 1 Introduction Introduction Facts About Credit Union

More information

PRESS KIT PRESS KIT MEDIA CONTACT. Jerri Schmidt, EVP Marketing D 616.514.1607 TF 800.323.2129 E jerris@option1cu.org

PRESS KIT PRESS KIT MEDIA CONTACT. Jerri Schmidt, EVP Marketing D 616.514.1607 TF 800.323.2129 E jerris@option1cu.org PRESS KIT MEDIA CONTACT Jerri Schmidt, EVP Marketing D 616.514.1607 TF 800.323.2129 E jerris@option1cu.org INTRODUCTION What it means to be a credit union. People helping people WHAT IT MEANS TO BE A CREDIT

More information

Unit 3 - Financial Services

Unit 3 - Financial Services Unit 3 - Financial Services Credit Unions vs. Banks Banks For profit companies owned by shareholders Offer services to everyone who wants to apply Owned by shareholders; customers do not vote Deposits

More information

Loan & VISA Rates. December 1, 2014 (rates are subject to change)

Loan & VISA Rates. December 1, 2014 (rates are subject to change) Loan & VISA Rates Loan Type Terms & Special Features Interest Rate (APR) New and Used Auto Finance up to 115% of purchase price on new autos. Finance up to 115% Kelly Blue Book, applies to vehicles 7 years

More information

welcome NORTH AKRON SAVINGS BANK CUSTOMERS

welcome NORTH AKRON SAVINGS BANK CUSTOMERS welcome NORTH AKRON SAVINGS BANK CUSTOMERS welcome TO PEOPLES BANK! Remember why you chose a community bank? Chances are you wanted to have your financial services institution know you, know your particular

More information

Open a Pelican Visa Credit Card today & earn DOUBLE POINTS on balance transfers! *

Open a Pelican Visa Credit Card today & earn DOUBLE POINTS on balance transfers! * Open a Pelican Visa Credit Card today & earn DOUBLE POINTS on balance transfers! * The more you transfer, the bigger the awards. earn up to 30,000 points per month minimum transfer of only $100 Apply Now!

More information

Welcome to IMPORTANT INFORMATION REGARDING YOUR MEMBERSHIP

Welcome to IMPORTANT INFORMATION REGARDING YOUR MEMBERSHIP Welcome to IMPORTANT INFORMATION REGARDING YOUR MEMBERSHIP Welcome! We are very excited to have you join Associated Healthcare Credit Union (AHCU). AHCU serves the healthcare industry in thirty-three counties

More information

TFCU Offers One-Stop Shopping for All Your Personal Financial Needs

TFCU Offers One-Stop Shopping for All Your Personal Financial Needs Summary of Services TFCU Offers One-Stop Shopping for All Your Personal Financial Needs Membership Welcome to Tinker Federal Credit Union. We invite you to take a look and see what we re all about, because

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

elcome to Webster Personal Banking. For Your Convenience Our Customer Care Center is open 7 am - 10 pm, 7 days a week.

elcome to Webster Personal Banking. For Your Convenience Our Customer Care Center is open 7 am - 10 pm, 7 days a week. For Your Convenience Our Customer Care Center is open 7 am - 0 pm, 7 days a week. Call -888-4WEBSTER (-888-493-2783) We also have over 65 branches and almost 500 ATMs so that you can bank on your schedule.

More information

PNC Bank, National Association, which issues your Credit Card. The billing cycle or billing cycles of your Credit Card Account

PNC Bank, National Association, which issues your Credit Card. The billing cycle or billing cycles of your Credit Card Account K-8360 points PNC Flex T&C PNC points Program Terms and Conditions as of October 17, 2015 BASIC TERMS DEFINED Program Credit Card, Card Credit Card Account You, your, Cardholder We, our, us, PNC Bank,

More information

MEMBERSHIP GUIDE CONTACT US. Website: www.guthriefcu.org. Sayre Main Office 104 N. Elmer Avenue Sayre, PA 18840

MEMBERSHIP GUIDE CONTACT US. Website: www.guthriefcu.org. Sayre Main Office 104 N. Elmer Avenue Sayre, PA 18840 CONTACT US MEMBERSHIP GUIDE Sayre Main Office 104 N. Elmer Avenue Sayre, PA 18840 Tel: (570) 888-7135 Toll free: (877) 493-6161 Fax: (570) 882-9564 Email: info@guthriefcu.org Troy Branch Office 454 Canton

More information

Home Buying Seminar. A presentation by The Summit Federal Credit Union

Home Buying Seminar. A presentation by The Summit Federal Credit Union Summit Branches are located in Rochester (7), Seneca Falls (1), Buffalo (3), Syracuse (5) and Cortland (2) Home Buying Seminar A presentation by The Summit Federal Credit Union What We Will Cover Today

More information

ADDENDUM TO THE DEPOSIT ACCOUNT DISCLOSURE AND SCHEDULE OF FEES AND CHARGES For Personal Accounts (All States*) Effective April 13, 2015

ADDENDUM TO THE DEPOSIT ACCOUNT DISCLOSURE AND SCHEDULE OF FEES AND CHARGES For Personal Accounts (All States*) Effective April 13, 2015 ADDENDUM TO THE DEPOSIT ACCOUNT DISCLOSURE AND SCHEDULE OF FEES AND CHARGES For Personal Accounts (All States*) Effective April 13, 2015 This Addendum, together with the applicable Schedule of Fees and

More information

Products and Services

Products and Services Products and Services Enjoy Life s Journey 401.233.4700 navigantcu.org Federally insured by the National Credit Union Administration. Products and Services Navigant Credit Union provides you with the products

More information

C O N V E R S I O N G U I D E

C O N V E R S I O N G U I D E CONVERSION GUIDE The Independent Way The Independent Bank charter was founded in 93 by a group of businessmen who wanted to form a local bank to serve the needs of their community. Independent Bank pledges

More information

AIB Graduate Account. Supporting you on the road to success. Drop in to any branch 1890 788 336 www.aib.ie

AIB Graduate Account. Supporting you on the road to success. Drop in to any branch 1890 788 336 www.aib.ie AIB Graduate Account Supporting you on the road to success. Drop in to any branch 1890 788 336 www.aib.ie Contents 01 Introduction 02 How it works 04 AIB Phone, Internet & Tablet Banking 06 AIB Mobile

More information

Refinancing may be an option for you to consider if your loan is adjusting to an interest rate that's higher than the current market rates.

Refinancing may be an option for you to consider if your loan is adjusting to an interest rate that's higher than the current market rates. How does an adjustable rate mortgage (ARM) work? Like many homebuyers, you may have been attracted to the low initial interest rate of an adjustable-rate mortgage (ARM). While adjustable-rate mortgages

More information

Bank on the Difference

Bank on the Difference Bank on the Difference THE BENEFITS OF AFFILIATION Wouldn t it be great if you could offer more valuable employee benefits at no additional cost? Affiliation with Central Credit Union can help you do just

More information

SPECIAL OFFERS FOR GOOD CITIZENS. great ways to help you save and look ahead.

SPECIAL OFFERS FOR GOOD CITIZENS. great ways to help you save and look ahead. SPECIAL OFFERS FOR GOOD CITIZENS. great ways to help you save and look ahead. credit card Good banking for Good Citizens. twelve months. one low rate. We believe in treating our customers the way we d

More information

Insights. Debit card scam. Free CARFAX report. Summer Skip-a-Pay. Free retirement seminar Good to Go. Free AD&D Insurance

Insights. Debit card scam. Free CARFAX report. Summer Skip-a-Pay. Free retirement seminar Good to Go. Free AD&D Insurance Insights Summer 2011 The Newsletter for Weber State Credit Union Members. Rewards Checking Use your Debit card to earn free travel Free CARFAX report Buying a used car? Ask us for a free report first Debit

More information

Business Accounts. Sole Proprietorship Partnership LLC C-Corp S-Corp Association* If incorporated, must be incorporated in the State of Florida.

Business Accounts. Sole Proprietorship Partnership LLC C-Corp S-Corp Association* If incorporated, must be incorporated in the State of Florida. Business Accounts Florida Telco Credit Union is proud to offer our members Business Accounts. This Business Account package is designed to give you a brief insight on what Florida Telco has to offer you.

More information

SPECIAL OFFERS FOR GOOD CITIZENS. great ways to help you save and look ahead.

SPECIAL OFFERS FOR GOOD CITIZENS. great ways to help you save and look ahead. SPECIAL OFFERS FOR GOOD CITIZENS. great ways to help you save and look ahead. credit card Good banking for Good Citizens. twelve months. one low rate. We believe in treating our customers the way we d

More information

Products & Services. Enabling our members to secure their financial future and realize their dreams.

Products & Services. Enabling our members to secure their financial future and realize their dreams. Products & Services Enabling our members to secure their financial future and realize their dreams. MEMBERSHIP FedEx Employees Credit Association membership is available to employees and retirees of the

More information

Checking Account Options September 1st, 2013 (rates are subject to change)

Checking Account Options September 1st, 2013 (rates are subject to change) Checking Account Options Earn with Eco-Checking. Good for you. Good for us all. Point West Credit Union is rooted in the cooperative nature of credit unions - we are all about people helping people. And

More information

anz@work Exclusive banking benefits while you work

anz@work Exclusive banking benefits while you work anz@work Exclusive banking benefits while you work 1 2 We re making work more rewarding. Thanks to our relationship with your employer, you can enjoy a range of exclusive benefits and discounts, simply

More information

Basic Banking. Presented by Bank on Gaithersburg, Family Services, Inc., and MD CASH Academy

Basic Banking. Presented by Bank on Gaithersburg, Family Services, Inc., and MD CASH Academy Basic Banking Presented by Bank on Gaithersburg, Family Services, Inc., and MD CASH Academy Financial Institutions What are they- banks, credit unions What do they offer: Checking accounts Savings accounts

More information

WELCOME to Metro. Your Guide to Membership

WELCOME to Metro. Your Guide to Membership WELCOME to Metro Your Guide to Membership WELCOME TO METRO! A Letter from the CEO Dear Valued Member: We are happy to report that the merger between Metro Credit Union and Malden City Employees Credit

More information

Get connected with everything Checking has to offer. And get back to living.

Get connected with everything Checking has to offer. And get back to living. Get connected with everything Checking has to offer. And get back to living. INSIDE Member FDIC We make it easy. Get connected in 6 simple steps. Welcome Thank you for choosing Northwest. Let us walk you

More information

MAS Package AN EXCLUSIVE BANKING SOLUTION FROM ANZ

MAS Package AN EXCLUSIVE BANKING SOLUTION FROM ANZ MAS Package AN EXCLUSIVE BANKING SOLUTION FROM ANZ We are proud to offer MAS Members a comprehensive range of banking solutions. Whether you are buying your first home, building your property portfolio,

More information

Loan Services. www.ncsecu.org

Loan Services. www.ncsecu.org Loan Services www.ncsecu.org Loan Services State Employees Credit Union (SECU) is dedicated to providing competitively priced loan products and services to meet members consumer-related and mortgage lending

More information

Financial Services Handbook

Financial Services Handbook Financial Services Handbook www.pefcu.com 1.800.226.6673 When you join Publix Employees Federal Credit Union, you re more than just a number. You re an owner of a not-for-profit cooperative an association

More information

products & services Building lifelong relationships one member at a time.

products & services Building lifelong relationships one member at a time. products & services Building lifelong relationships one member at a time. Joining CDC FCU For more than 60 years, CDC Federal Credit Union has been helping our members achieve their dreams with quality

More information

Online Account Opening Customer FAQs

Online Account Opening Customer FAQs Online Account Opening Customer FAQs Q. Why are you offering this new service to customers? A. At United Bank, we always look to identify and implement ways to enhance your banking experience with us whether

More information

Welcome to SchoolsFirst Federal Credit Union

Welcome to SchoolsFirst Federal Credit Union Welcome to SchoolsFirst Federal Credit Union This guide will help you understand how your All Valley FCU accounts will be transitioning over to SchoolsFirst FCU. In the coming weeks, look for a guide on

More information

Your Guide to All Things Quorum

Your Guide to All Things Quorum Your Guide to All Things Quorum QUORUM FEDERAL CREDIT UNION 2500 WESTCHESTER AVENUE, SUITE 411, PURCHASE, NY 10577 QUORUMFCU.ORG (800) 874-5544 BELONG TO BETTER. People seem to have a lot of questions

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

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

WELCOME TO THE FIRST COMMONWEALTH BANK COMMUNITY MEMBER FDIC

WELCOME TO THE FIRST COMMONWEALTH BANK COMMUNITY MEMBER FDIC WELCOME TO THE FIRST COMMONWEALTH BANK COMMUNITY MEMBER FDIC WELCOME FIRST COMMUNITY BANK CUSTOMERS TABLE OF CONTENTS How to Use this Guide... 3 Customer Assistance... 3 Important Dates to Know... 4 New

More information

Welcome to Heartland Bank

Welcome to Heartland Bank Welcome to Heartland Bank We re glad you have chosen to bank with us. We want to make switching over your bank accounts as easy as possible. This step-by-step switch kit will help you complete this project

More information

Lakeside Bank. Where switching is easy.

Lakeside Bank. Where switching is easy. If you re tired of your bank, where else can you go? Lakeside Bank. Where switching is easy. We ll make you feel right at home. With employees who average 15 years of service, personal attention is second

More information

Checking Account Options January 1st, 2013 (rates are subject to change)

Checking Account Options January 1st, 2013 (rates are subject to change) Checking Account Options Earn with Eco-Checking. Good for you. Good for us all. Point West Credit Union is rooted in the cooperative nature of credit unions - we are all about people helping people. And

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

Personal Checking & Savings Options

Personal Checking & Savings Options Personal Checking & Savings Options Smart solutions for individuals and families Many Flexible Options to Fit Any Lifestyle. Checking Account Comparison Find the right checking account for you by using

More information

CMA Affinity Program Offers

CMA Affinity Program Offers CMA Affinity Program Offers Union Bank is proud to partner with the California Medical Association to serve the unique financial needs of your practice, your staff, and yourself. We approach our customer

More information

Personal Schedule of Fees

Personal Schedule of Fees Personal Schedule of Fees Effective May 6, 2016 bankofamerica.com Applies in all states. Bank of America, N.A. Member FDIC. 2016 Bank of America Corporation. 91-11-3000B 00-14-9299 29898 Table of Contents

More information

Personal Checking, Money Market, Savings, Time Deposit & IRA Accounts Pricing Schedule

Personal Checking, Money Market, Savings, Time Deposit & IRA Accounts Pricing Schedule Personal Checking, Money Market, Savings, Time Deposit & IRA Accounts Pricing Schedule (Effective August 20, 2015) REGIONS CHECKING With any Regions checking account, you get extra services to make banking

More information

Value Proposition- Vehicle Loans

Value Proposition- Vehicle Loans strength knowledge trust care listen strength knowledge trust care ten strength eal knowledge Interest trust care listen strength knowledge trust listen strength knowledge trust care listen strength knowledge

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

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

Personal Checking, Money Market, Savings, Time Deposit & IRA Accounts Pricing Schedule

Personal Checking, Money Market, Savings, Time Deposit & IRA Accounts Pricing Schedule Personal Checking, Money Market, Savings, Time Deposit & IRA Accounts Pricing Schedule (Effective November 6, 2015) REGIONS CHECKING With any Regions checking account, you get extra services to make banking

More information

Equitable Bank Home Equity Line of Credit

Equitable Bank Home Equity Line of Credit Equitable Bank Home Equity Line of Credit Your guide on how to get the most from your combined mortgage and Home Equity Line of Credit Inside the Equitable Bank Home Equity Line of Credit Look forward

More information

Get a $200 bonus when you open a Select Checking account.

Get a $200 bonus when you open a Select Checking account. Earn up to a $200 checking bonus when you open a new SunTrust personal checking account with direct deposit. 1 Terms apply. For new SunTrust personal checking clients only. Account must be opened online

More information

Fees and Charges Effective 17 April 2016

Fees and Charges Effective 17 April 2016 Effective 17 April 2016 Contents Saving money on your banking...1 Everyday accounts...2 Savings accounts... 3 Term Deposits and Foreign Currency Term Deposits...4 ANZ Freedom Years Package... 4 ANZ Migrant

More information

The Webster Visa Prepaid Debit Card Frequently Asked Questions

The Webster Visa Prepaid Debit Card Frequently Asked Questions Contact Us Welcome to Webster Bank. Please contact our Card Services support line at 866.242.0861 with any questions or concerns, 24/7. Thank you for being a valued Webster Customer! The Webster Visa Prepaid

More information

U.S. Bank Checking Account Update

U.S. Bank Checking Account Update U.S. Bank Checking Account Update U.S. Bank checking account customers in Idaho, Kansas, Missouri and Nevada may experience an account update on the dates noted below. Updated account features many of

More information

Banking & Budgeting Basics: Making the most of your money

Banking & Budgeting Basics: Making the most of your money Growing Dollars and $ense Workshops Banking & Budgeting Basics: Making the most of your money Presented by The Coalition for Debtor Education www.debtoreducati0n.org This program is made possible by a

More information

LPL Financial Cash Management Services

LPL Financial Cash Management Services OPERATIONS LPL Financial Cash Management Services Cash and Banking Solutions to Manage Your Daily Finances an added level of protection Table of Contents 3 Premier Plus Account 4 Insured Cash Account 4

More information

Offering Real Value To Our Members

Offering Real Value To Our Members strength knowledge trust care listen strength knowledge trust care ten strength eal knowledge Interest trust care listen strength knowledge trust listen strength knowledge trust care listen strength knowledge

More information

Select Account. The essential guide to your new account

Select Account. The essential guide to your new account Select Account The essential guide to your new account 2 Welcome to your Select Account Your new account gives you the convenience of being able to withdraw money from any cash machine in the UK, as well

More information

Financial News For The Valued Members Of Corner Post Federal Credit Union

Financial News For The Valued Members Of Corner Post Federal Credit Union The Corner Post Financial News For The Valued Members Of Corner Post Federal Credit Union Help Spread the Word! Thanks to recent approval from the National Credit Union Administration (NCUA), Corner Post

More information

Interest Checking Earn interest on higher checking balances and pay no monthly service fee as long as minimum balance is maintained. $100.

Interest Checking Earn interest on higher checking balances and pay no monthly service fee as long as minimum balance is maintained. $100. Today, more than ever, managing your personal finances can be a challenging experience whether it s covering your day-to-day living expenses, buying a home, or saving for your retirement. At BankFinancial,

More information

BENEFIT SUMMARY. TO APPLY See your branch representative or call 800-892-3263. Platinum Plus Business Rewards. Platinum Plus Business Rewards

BENEFIT SUMMARY. TO APPLY See your branch representative or call 800-892-3263. Platinum Plus Business Rewards. Platinum Plus Business Rewards BENEFIT SUMMARY Platinum Plus Business Rewards Don t just think of it as a credit card. Think of it as a way to work more efficiently. If you use a personal credit card for business expenditures, you re

More information

Conversion at a Glance. Important Dates and Information. Legend

Conversion at a Glance. Important Dates and Information. Legend Conversion at a Glance Midland States Bank will be converting Heartland Bank accounts over the April 17 weekend. After the close of business on Friday, April 17, your accounts held at Heartland Bank will

More information

Rewards Banking. The more you bank, the more benefits you receive. Earn higher rates on select products. Take advantage of account services

Rewards Banking. The more you bank, the more benefits you receive. Earn higher rates on select products. Take advantage of account services Rewards Banking The more you bank, the more benefits you receive. Earn higher rates on select products Take advantage of account services Save with special discounts Get money back on select fees All Rabobank

More information

Personal Services. Product and Pricing Guide. Effective March 23, 2015

Personal Services. Product and Pricing Guide. Effective March 23, 2015 Personal Services Product and Pricing Guide Effective March, 05 Please note: The pricing in this guide applies only to BB&T accounts converting from Citibank branches in Texas. For pricing of new accounts,

More information

Welcome to M&T Bank HOW TO GET THE MOST FROM YOUR PERSONAL ACCOUNTS

Welcome to M&T Bank HOW TO GET THE MOST FROM YOUR PERSONAL ACCOUNTS Welcome to M&T Bank HOW TO GET THE MOST FROM YOUR PERSONAL ACCOUNTS 2 Welcome to M&T Table of contents For your convenience, we ve designed this guide to make it fast and easy for you to find the information

More information

What is loyalty banking?

What is loyalty banking? What is loyalty banking? Loyalty Banking is a rewarding new way to bank with Iowa State Bank! Now you can earn bonus rates on your deposits, discount rates on your loans, plus other valuable benefits on

More information