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*FINANCIAL SERVICES CENTER * INTERNET BANKING * E-STATEMENTS * BILL PAYER * TOUCH TONE TELLER * CHECK/ATM CARDS * DIRECT DEPOSIT * PAYROLL DEDUCTION * CREDIT CARDS * VISA GIFT CARDS
FINANCIAL SERVICES CENTER
We encourage you to check into the no-cost consultation services offered through the Financial Services Center located at UnitedOne Credit Union. There is never any obligation to purchase any products or services. A variety of investment products are available, including annuities, mutual funds and insurance protection. These options complement the traditional investment programs provided by UnitedOne and we're pleased to bring them to you in the comfortable, convenient setting of our offices.
Jason R. Muench, Financial Services Representative, will work with you one-on-one to create a personal plan to help achieve your financial objectives whiles keeping your risk tolerance in mind.
Call Jason at 684-0361 or 451-8222 or FSC@UnitedOne.org with any questions or to make an appointment. Also watch our "What's New" page for information about seminars scheduled throughout the year. INTERNET BANKING Internet Banking is available via our Web site whenever you need it. It's the perfect way to monitor your accounts 24/7. You can use it to retrieve your statements electronically (separate agreement required), check balances, make transfers and loan payments, verify check clearings and direct deposits, print checking histories, and much more. All transactions are free and carried out immediately. All you need to log on is your member account number and Touch Tone Teller PIN. If you do not have a Touch Tone Teller PIN, you may print an application for one out here, complete it and return it to us, or complete an application at any UnitedOne office.
ELECTRONIC STATEMENTS
Also called e-statements, they're available to everyone signed on to Internet Banking (separate agreement required). Your account statements are delivered to you electronically, so you receive them quicker than by US mail, and you can help us save a few trees at the same time. This service is convenient and secure, and it's free to all members.
BILL PAYER
Paying bills online is a very convenient, safe and easy way to pay your bills -- plus it's more affordable than writing checks and mailing them because Bill Payer is FREE at UnitedOne Credit Union! Please see Bill Payer Info for details on this state-of-the-art service, and check out the demo by linking to it from the Bill Payer link at the top left of your screen.
TOUCH TONE TELLER (HOME BANKING BY PHONE)
Touch Tone Teller is our free 24 hour home banking by phone service. You can use it to check balances, make transfers and loan payments, verify check clearings and direct deposits, and much more. All you need is a touch-tone phone, a personal identification number and your member account number. You will then have access to the service along with automatic access to Internet Banking. Once you're signed on we'll send you an activation notification and instructions on how to use the services. All transactions are free and are carried out immediately. Print out an application here online, complete it and return it to us, and we'll get you set up real soon. Or complete one at any UnitedOne office.
Local Touch Tone Teller numbers are 451-4480 and 684-6821. Our toll-free number is 1-800-405-1575.
VISA GIFT CARDS
These cards can be purchased for any gift-giving occasion or for personal use if you do not have a Check or credit card and want to feel safer than you would carrying cash. They can be purchased in any amount from $10 to $500. Members receive preferred pricing and an additional discount when five or more are purchased. Nonmembers may purchase these cards. Cards can be used anywhere Visa debit is accepted, and you will receive instructions for use with each card. You may check your gift card balance by clicking here anytime.
CHECK CARD/ATM CARD
You'll find our VISA Check Card to be the greatest improvement to our checking accounts in a long time. You'll absolutely love its convenience and the fact that it's so easy to use.
How does it work?
Your VISA Check Card is a plastic card that when used, electronically accesses the money in your checking account to pay for goods and services. It's accepted by millions of merchants around the world who take VISA, so you can even use it at places that will not accept a personal check. It can be used in person, over the phone, by mail, even via the Internet. (It's so easy to use your Check Card -- all you do is hand over your card or give your account number, sign your receipt if in person, then enter your purchase in your checkbook register. That's it.) Also, it doubles as an ATM card so you can withdraw cash from your checking or savings at ATMs around the world.
How do I keep track of my purchases and cash withdrawals?
Simply record your transactions in your checkbook register. Since joint account holders can both have access to the checkbook at the same time via checks and the Check Card, it's especially important to record your transactions. Your monthly statements will show each transaction's date, dollar amount and merchant name or ATM location for even more detailed record keeping than you get with your paper checks.
What kind of liability is involved?
VISA's "zero liability" policy protects you from virtually all unauthorized non-PIN based use of your card through the VISA system. You can use your card everywhere, including the Internet, with complete confidence. If your card is ever lost or stolen, we do still need you to contact us immediately.
What does it cost? How do I apply?
A separate application needs to be completed, please e-mail us at savings@UnitedOne.org or call any office for details.
DIRECT DEPOSIT
Save time and money with direct deposit, and save yourself from worrying about getting your money. When you have your net paycheck, government or retirement check directly deposited to your UnitedOne checking or savings account, you can depend on your money being in your account for you on time, every time - even if you're sick or on vacation. In fact, it'll be there for you even before you would receive a paper check! You'll still receive a pay stub from your employer listing all deductions and net amount. Plus, you'll receive free checking and a free Check Card as long as you have your check deposited into your UnitedOne checking account. E-mail us at savings@UnitedOne.org or contact a Member Service Representative for more information.
PAYROLL DEDUCTION
Payroll deduction differs from direct deposit in that you can have just a portion of your check deposited at UnitedOne rather than your entire net check. It's a fantastic way to automatically make UnitedOne loan payments, or make deposits to your IRA, Christmas Club, or other savings account. You can also have your net check deposited to your UnitedOne savings or checking. Having it deposited to your UnitedOne checking qualifies you for free checking and a free Check Card as long as your net check is deposited to the account.
Many employers offer payroll deduction service through UnitedOne Credit Union. Either ask your employer or any UnitedOne Member Service Representative if this is an option for you.
CREDIT CARDS
UnitedOne offers a wide variety of Visa consumer and business credit cards, most with rewards programs. Look over the details here online and apply today, or pick up an application at any UnitedOne office. Make your payments or get credit card account information anytime online.
E-mail us at mail@UnitedOne.org or talk with any Member Service Representative today for more information on any of these services.
updated 1/10/08
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