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HOW TO AVOID PAYING ACCOUNT FEES
Paying fees for Debit/ATM use and for insufficient funds fees on ACH or share draft transactions can be avoided by following the tips listed below.
• Keep Track of Your Balance: Sign up for our free audio response line which you can call 24 hours a day, seven days a week for live balances. Save $1.50 fee for ATM balance inquires by making a simple phone call before you visit the ATM.
• Co-Ordinate With Other Account Holders: If you have a joint account with two ATM/Debit cards, make sure you collect all receipts from all users and record them in your check register. This way you won’t have any surprises and you always know your account balance. Also, transactions may take several days to post to your account, so your balance in your check book will always be the most accurate.
• Use Our ATM’s Whenever Possible: Never pay a fee when you use our on-site ATM or our remote ATM site at McDonald’s on Ninth Avenue.
• Always Use A Surcharge-Free Machine: Machines at other credit unions and places like Sheetz stores offer “surcharge-free” transactions.
• Get Cash At Retail: To avoid paying $1.50 per withdrawal after the first two free per month, ask for “cash back” when you make a purchase at a grocery store or retail establishment. It’s more convenient and saves you fees.
• Fund Your Account: If you have electronic payments coming out of your account on a monthly basis (for loan payments, insurance, utility bills) make sure you have enough funds in your account to cover those recurring withdrawals. You’ll save $30.00 for insufficient funds fees here, as well as that much or more to the company you are paying.
• Don’t Count on “Mail Time” When Sending Checks: With improved technology, checks clear practically overnight these days. Don’t count on having 3-5 days before a check you write will clear your account. The instant you write a check, you should assume those funds are no longer available to you.
• Open A Checking Account With a Debit Card: There is no charge to open a checking account and we have several options that offer free checks. With a checking account you can get our Master Money Debit card that gives you more flexibility than a traditional ATM only card.
Security Tips: Always safeguard your debit and credit cards and never attach your PIN number to the card itself.
• Remember your daily limits on your debit card: $250.00 cash and $500.00 in purchases ($250.00 in cash with ATM only cards). These limits are set to protect your funds from theft should you lose your card or it is stolen. These cards are “live” and don’t require ID to be used for purchases. If you need to make a large purchase, you should consider using your credit card.
If you have any questions or need more information, please call (814) 946-3045 and ask for a member services representative.
SPRINT NETWORK SAVES CU MEMBERS BIG $$$$$$$
Why Throw Away Your Money? Save with Sprint!
Join the 1 million credit union members nationwide that are already saving over $74 million on their wireless plans! American Pride Credit Union is pleased to bring our members these major savings through the Sprint Credit Union Member Discount Plan.
Ways you can save:
• 10% off most regularly priced Sprint individual service plans
• 15% off most regularly priced Sprint business service plans
• Waived activation fee on new activations
• Waived upgrade fee
• Available to new and existing Sprint customers
Enjoy the perks, benefits and exclusive discounts that only credit union members like you can receive.
3 Ways to Get Your Discount:
- Call 877.SAVE.4CU (877.728.3428) and let them know you’re a credit union member. Ask to be a part of the NACUC_ZZM Corporate ID to save
- Click www.SprintSave4CU.com
- Visit your nearest Sprint store
What are you waiting for? Start saving today!
*Application of discount requires 2-year contract extension on existing plans. *Verification of Membership is required at time of activation/upgrade.
CLICK ON ONE OF THE LINKS BELOW TO FIND OUT YOUR SAVINGS ON GM OR CHRYSLER PRODUCTS!!!!!!
HELP FOR INDENTITY THEFT IS HERE
If you feel you have been the victim of identity theft, please click on the
Federal Government link for help in dealing with this problem.
A new initiative by the Pennsylvania Commission on Crime and Delinquency, the Pennsylvania State Police, and the state Department of Transportation is underway to make people more aware of identity theft, how to avoid it, and what to do if they find they are an ID theft victim.
This www.identitytheftactionplan.com includes a Web site to help individuals prevent, detect, and respond to identity theft. Click on the link for more information.
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