             |
MEMBER SERVICES
| |
| CONVENIENCE SERVICES |
|
UCCU has many convenient options so that you have access to your account information and funds anytime, anyplace. If you are interested in signing up for any of these services, feel free to call, stop by our office, or E-mail your request. A summary of our services follows:
- ATM/Debit Card: UCCU's MasterCard Debit Card is an ATM card that you can use to get cash from an ATM 24 hours a day, 7 days a week. In addition, you can use it to make purchases at any merchant that accepts MasterCard. There is no charge for the CUCheck Card. You need to have a share draft account to have a CUCheck Card. Here's how it works:
ATM Access: You can use your CUCheck Card at our ATM and at our Drive-up to make deposits or withdrawals anytime at no charge. You can also use it at any Falcon Network ATM. You can make up to four withdrawals at Falcon Network ATMs at no charge each month, then $0.75 for each additional withdrawal thereafter. You can make deposits at any of the full-service Falcon ATMs at no charge. There is no charge for Point-of-Sale (POS) transactions. If you use your CUCheck Card at any other ATM, you will be assessed $1.50 for each transaction.
For a complete listing of the Falcon Network ATMs click HERE.
DEBIT Access: You can use your CUCheck Card to make purchases at any merchant that accepts MasterCard. Whenever you use it for purchases, and you don't need money back, choose the CREDIT key on the touchpad and you will sign for the transaction. It will still come out of your share draft/checking account. If you do want cash back, you should choose the DEBIT key and it will be treated as a POS transaction.
 Tele-Teller-24: Our 24-hour telephone teller enables you to access your account from any touch-tone telephone. You can make account inquiries, balance your checkbook, transfer funds and perform many other functions as well. There is no fee for this service. Check it out today at 802-476-1062.
- Home Financial Services: With HFS, you can have a branch of UCCU anywhere you have access to the Internet. You can view your account balances, histories, transfer funds, make loan payments, apply for loans, order checks, and all within a secure environment. There is no fee for this service. You can click on HERE to demo this product now.
- Bill Payer: An extension of our Home Financial Services package, you can now pay ALL your bills on-line, electronically with this service. You can pay single bills, recurring bills, and schedule when you want them to be paid, and view the history of your payments as well. Just think, no more checks, stamps, envelopes or rushing to the mailbox. Now you can do all this from the comfort of your home or office or anywhere you have Internet access. If you make at least (3) payments during a monthly cycle, there is NO CHARGE for our Bill Payer Service. Otherwise you will be assessed a $4.95 service fee. To demo our Bill Payer click HERE.
- Direct Deposit: UCCU encourages all our members to utilize direct deposit. It's safe, convenient and timely. There's no need to rush around on payday to get your check deposited. Once here, we can credit your loans, clubs and any other accounts you want. Sign up for direct deposit and never again worry about weather, illness or unexpected events that prevent you from making your deposit.
- Payroll Deduction: Many of UCCU's members work for employers who offer payroll deduction. It's a convenient way for you to systematically ensure payment of loans, clubs and/or savings. Check with your employer or call us to find out if you can have payroll deduction.
- Checking: A smart choice if you like free checking that pays dividends. Combined with overdraft protection, ATM access, Home Financial Services, Bill Payer, Tele-Teller-24, and direct deposit, a UCCU checking account is an outstanding value. For a summary of checking account benefits, click HERE.
|
| |
| INSURANCE SERVICES |
 Credit Insurance: UCCU offers peace of mind when you finance here. Payment protection for you and your family. We have Credit Life Insurance up to $25,000 per loan, and Credit Disability Insurance up to $30,000 per loan. Insurance premiums are figured right in to your loan payments for your convenience.
- Life Savings Insurance: Provided at no direct cost to you, we will pay your beneficiary, a dollar for dollar match, the amount you have in your Regular Share account, up to $3,000, in the event of your death. Check with us for age of deposit restrictions as well as additional benefits with our accidental death and dismemberment rider.
- Loyal American Life Insurance: Loyal offers a number of insurance plans. Serviced by local agents, UCCU has proudly endorsed our friends at Loyal for over 15 years.
- Member Connect: Direct mail insurance products from our national credit union insurer the CUNA Mutual Group ranging from life, accident, auto and home coverage's.
- GAP Insurance: If your vehicle is stolen, accidentally damaged beyond repair, or otherwise declared an insured total loss, your auto insurance will cover the replacement value only. You will still be responsible for the difference in the insurance settlement payment and the loan amount. This could be thousands of dollars. For a small one-time premium, GAP Insurance will protect you and fill the "gap" should such an event occur.
- Equity Mortgage Insurance: If you don't yet have the equity traditionally needed to qualify for a home equity loan, we may be able to finance up to 100% of your homes value with Mortgage Insurance.
|
| |
| SPECIAL SERVICES |
|
 UCCU offers a number of special services that you need from time to time. They include:
- Money Orders
- Travelers Cheques
- Wire Transfers
- Free Notary Service
|
| |
| ON-LINE SERVICES |
- Auto-Smart: Before buying your next vehicle, do your homework. Research the invoice price and find out how it stacks up to other vehicles in terms of reliability, insurance costs, maintenance costs, crash tests and resale. Check out the value of your trade-in. You can even find tips about effective car buying strategies. Click on the link above to see for yourself the wealth of information readily available to you.
- Member's Financial Network: Check this site out for valuable financial planning information. Learn how to budget, invest, check stock quotes and much more. You'll find a number of calculators to assist you in your planning efforts.
- Home and Family Finance: Many of our members are familiar with the magazine version of this fine publication, now it's on-line. Visit weekly to see new articles of interest to credit union members. You can also view the past articles that are archived by topic.
- Googolplex: This is one area on the web parents can be comfortable sending their kids to. Divided up in three sections for kids of different ages, they will be educated and entertained by the wealth of information designed especially for our younger members. Be sure to visit often as this site is updated weekly.
|
|
 |
