November 2009 member communications

   

·        Tip for the holiday season...Please use your Credit Union VISA Check Card (e.g. Debit Card) as a signature-based rather than a Debit (PIN-based) transaction on purchases at a merchant point of sale.  To do this, just press the “credit button” before swiping your card or respond to the merchant that you want “Credit” versus “Debit” if asked by the cashier.  This avoids standard merchant dollar holds commonly set and permitted by VISA by certain merchants such as gas stations which may temporarily limit your available funds on low balance accounts.  Non-PIN usage also grants you higher daily $ and # of transaction limits for withdraw activity, with the added benefit of zero liability for fraud protection. Using your Check Card without using your PIN also saves your CU on processing costs.  

·        There’s still time to take advantage of our Holiday Loan Promotion! Now through December 15th, you may qualify for a loan of $500 to $1500 cash to put towards holiday shopping or maybe a little something for yourself. Contact our loan staff at 304-388-5700 for details.  

·        Planning on purchasing or refinancing a home? Fixed rate home equity loans and mortgage financing or refinancing are available at various repayment terms for qualified applicants. Property insurance and flood determination required. Other restrictions may apply. Contact our loan staff at 304-388-5700 for more info.  

·        Enjoy all the benefits of Credit Union checking …24/7 access to your deposits with unlimited check writing privileges and our VISA Check (e.g. Debit) Card which now gives you access to over 50 ATMs within the Charleston metro area. As always you also have access to your account information via our NetBranch (CU-Online) and Key-24 (Automated Telephone Service). Call us today for a quick switch!