WELCOME GUIDE - TDECU

WELCOME GUIDE
JULY 2014
ABOUT TDECU - YOUR CREDIT UNION
We touch thousands of lives each
and every day. Our passion is to
take those moments and make them
memorable.
The TDECU culture is one that has
been almost 60 years in the making.
We began when ten people combined
$5 each for a loan to help a member
buy a much-needed refrigerator.
The culture our members experience
today is solidly based on the
principles of people helping people.
Today we serve 190,000
members with more than
$2 billion in assets, and while we are
proud to be the largest credit union
in Houston, we are most proud of the
lives we are improving along the way.
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With the addition of FMC
Technologies FCU, TDECU will
have 41 service locations, including
34 branches; 19 located throughout
greater Houston.
TDECU offers a complete selection
of convenient and competitive
products and services, including a
full suite of deposit products as well
as mortgage, auto and personal loan
products, online and mobile banking.
TDECU also offers, through its
subsidiaries, retirement planning and
wealth management, personal and
business insurance products, and full
title and realty services.
Members can also access a
worldwide network of over 55,000
surcharge-free ATMs, through the
Allpoint Network.
We created this guide to provide
you with valuable information about
our products and services. Should
you have any questions or want
additional information, feel free to
call our Member Care team 24/7 at
800.839.1154 or visit TDECU.org.
TELEPHONE BANKING
TDECU Telephone Banking will be available to you beginning Monday, July 28.
• Max, our automated Telephone
Banking system, can assist you 24/7
with the following:
– Account Transfers and Balances
– Loan Information
– Reporting a Lost or Stolen
TDECU card
• To access Max, call 800.839.1154,
option 1.
•Enter your new TDECU member
number. The last four digits of your
SSN will serve as your temporary PIN.
You will then be prompted to change
your PIN.
•If you forget your Telephone
Banking PIN or need a new one,
please call TDECU Member Care at
800.839.1154, beginning July 28.
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HAVE AN FMC TECHNOLOGIES FCU SAVINGS ACCOUNT?
We will automatically convert your
FMC Tech FCU savings account(s) to
a new TDECU savings account the
weekend of July 25-27.
If you prefer accessing your funds
electronically, open your TDECU Free
Personal Checking account and request
your Visa® debit card.
If you have already opened a TDECU
account, your FMC Tech FCU account will
not be combined with your current TDECU
account. Therefore, you will have two
separate TDECU accounts, which you may
choose to combine beginning July 28.
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TO DO

on or after July 28
 Contact any agencies, companies and/or your
employer who directly deposit funds into your
account. You will be asked to provide your new
share/savings account number along with our
routing and transit number (313185515).
We will redirect all deposits with FMC Tech FCU’s
routing and transit number until 1/31/15.
Please check this off your to do list before then!
 Contact any retailers, credit card companies,
doctors, schools, Harris County Toll Road, etc.
who are scheduled to automatically draft funds
from your account and give them your new
share/savings account number along with our
routing and transit number (313185515).
We will redirect all automatic drafts with FMC
Tech FCU’s routing and transit number through
1/31/15. Instruct these parties to make the
change effective July 26 or later.
ARE YOU INTERESTED IN A TDECU FREE PERSONAL CHECKING ACCOUNT?
• FREE Visa® Debit Card
• FREE Transactions at over 55,000 ATMs
• FREE Mobile Banking
TO DO

on or after July 28
• FREE Smartphone App
 Open your free personal checking account.
• FREE Online Bill Pay
 Request an instant issue Visa® debit card.
• FREE e-Statements
 Start enjoying your new TDECU account!
• FREE Online Banking
• FREE 24/7 Telephone Banking
• NO Minimum Balance
• NO Monthly Service/Debit Card Fees
• PLUS Your Account Earns Interest
With all of these free benefits, it pays to become a member of
TDECU and open your own TDECU Free Personal Checking
WOULD YOU LIKE A BOX OF
FREE CHECKS WITH YOUR NEW
TDECU CHECKING ACCOUNT?
Bring us your new account card from the enclosed
letter and we’ll give you your first box of checks
free when you open your new TDECU Free Personal
Checking account.
account.
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ONCE YOU OPEN YOUR TDECU FREE PERSONAL CHECKING ACCOUNT, YOU WILL
HAVE ACCESS TO OUR COMPLETE LINEUP OF ELECTRONIC SERVICES.
We know you will enjoy the many
benefits of TDECU’s free Online
Banking, where you can bank on your
schedule, no matter where you may
be. Online Banking lets you conduct
your personal financial business from
anywhere, at anytime.
What’s more, we will be upgrading
Online Banking this year to make your
experience even better, including new
Mobile apps for your smartphone and
tablet. We will notify you by email
when the upgrade is available to you.
Take advantage of TDECU’s E-Services
Because we live in a fast paced, on-the-go,
electronic world, we offer our members
access to free online and mobile services.
We understand you want and need access to
your personal financial accounts whenever
and wherever you are.
Online Bill Pay:
Flexibility – pay anyone, anywhere, anytime
Reliability – guaranteed on-time payments
Security – protection against unauthorized
transactions
Visibility – view payment history
Tranquility – no stamps or trips to the post
office means less stress and more time to relax
Popmoney®
A free person-to-person payment system
that allows you to send, request and receive
money directly from your account in as little
as one day. You only need their name and
e-mail address, mobile phone number, or
bank account number.
Account-to-Account Transfers
Transfer money securely between your
TDECU checking, savings, and money
market accounts, or between your TDECU
accounts and your accounts held at other
financial institutions. Establish recurring transfers
and transfers dated up to one year in advance.
 TO DO

Visit TDECU.org and follow our
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step-by-step instructions to enroll in Bill Pay.
Mobile Banking:
TDECU mobile banking service lets you
check account balances and transfer funds
from your mobile device – for free! It’s quick
and easy and there’s no download or app
required.
 TO DO
 Visit TDECU.org to login through nline Banking, and then complete
O
a brief form to enable your ID and
password for use on your mobile device.
If you prefer a smartphone app, TDECU
mobile banking is also available as a free app
for Apple® and Android® smartphone users.
 Search ‘TDECU’ from your mobile
App Store to download the TDECU
mobile app.
QUESTIONS & ANSWERS
Why did FMC TECHNOLOGIES and TDECU merge?
The Board of Directors of both credit unions felt it was in the best
interest of all members to combine the strengths of both Credit
Unions to serve members.
When did FMC TECHNOLOGIES and TDECU merge?
The legal merger of the two credit unions was effective June 1, 2014.
During the weekend of July 25-27, all former FMC Technologies
accounts will be converted to TDECU accounts.
How are the two credit union memberships going to be
affected by the merger? The current membership of both TDECU
and FMC Technologies will be enhanced by added facilities, products,
and services. There is no negative impact on the current memberships.
What will my new TDECU account number be?
Your new account number will be seven digits and can be found on the
enclosed letter.
Will I have to sign a new TDECU signature cards?
No, TDECU will not require a new signature card for routine account
transactions. If you request that TDECU perform an account
modification(s), a new signature card will need to be signed at
that time.
Am I eligible for all products and services offered by TDECU?
Yes! As of June 1, 2014, you were eligible for all services and products
offered by TDECU.
Will I have access to TDECU shared branches? Yes! As of
July 28, 2014, your FMC Tech FCU account will be on our TDECU
system and you will have access to all TDECU Service Center
branches.
Will the hours of operation for my branch change after
the merger? The branch will be open 8:00am -5:00pm Monday
thru Friday.
Can I still contact my branch directly? Effective immediately,
you will have the option of using TDECU’s Member Care team
for account assistance. Please contact us at 800-839-1154 with any
account questions or inquiries.
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QUESTIONS & ANSWERS (CONT’D)
Questions about my loans
Will my automatic loan payment arrangement remain the
same with TDECU? Yes! TDECU will ensure that your loan
payments that were paid from your FMC savings account or direct
deposit are paid in the same manner with your new TDECU account.
Questions about TDECU Bill Pay
Will I have access to TDECU’s Bill Pay system?
Yes! As a new member of TDECU you will have access to TDECU
Bill Pay Services once you have opened a checking account. You will
access this service through your online banking access.
Will my loans have the same rate and term after the merger?
FMC TECHNOLOGIES loan rates and terms will be honored.
Questions about automated telephone banking
Will I have access to TDECU’s automated telephone banking,
MAX? Yes! As a TDECU member you will have full access to our
automated telephone baking system, MAX.
As part of the conversion process we will be setting your account up
with access to MAX. There is no additional request or process you
must complete other than the initial login.
Will I need to change the lien holder on my collateralized
loans? Yes. You will need to contact your insurance company and
provide them with the following information for TDECU as the new
lien holder: Texas Dow Employees Credit Union, 1001 FM 2004,
Lake Jackson, TX, 77566. The new policy/binder will need to be faxed
to 979.238.8480 /Attn: Insurance Department.
Questions about TDECU Online Banking
How do I access TDECU Online Banking? As a new TDECU
member, you may enroll via the online option at tdecu.org, contact
Member Care, or visit your local TDECU branch.
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What number will I use to reach MAX? You may contact Max for
account information at 800.839.0420.
What pin number will I use when accessing MAX?
Your initial pin number will be the last 4 digits of the primary account
holder’s social security number. Upon your initial login you will be
prompted to change the pin number to a 4 digit code of your choice.
HOW TO OPEN AN ACCOUNT IF I LIVE OUTSIDE TDECU’S IMMEDIATE SERVICE AREAS.
If I don’t live in Houston, can I still take advantage of TDECU’s
member benefits? Some people think that because TDECU isn’t
near where they live or work, they won’t be able to take advantage of all
the great products and services TDECU offers. Fortunately, that is not
the case. We serve members no matter where they call home.
How do I open an account?
Opening an account is easy! Visit us online at TDECU.org/membership.
Click on “Apply Now” and you will be guided through the process
of opening your account online. You can also call us 24/7 at
800.839.1154 and one of our Member Care team can assist you. It’s
that easy!
What will I need to open an account?
• Social Security Number
• U.S. Driver’s license, U.S. State-issued ID or passport
• Your current financial institution ABA routing and account number
(if you have a check from your current financial institution, this
information is on the check)
• Employment information
• Previous address information
• Information on any joint account holder
Now that my account is open, how can I access my account?
24/7 FREE – Online and Mobile Banking, Online Bill Pay.
Conveniently check your balance, pay your bills, transfer funds, view
cancelled checks, setup account alerts and much more.
24/7 FREE – Member Care access.
Call us at 800.839.1154 and speak with a Member Care representative
to ask a question about your personal account, apply for a loan or find
out about any of our products and services.
Can I get a loan if I’m not near a TDECU branch?
Yes, you can! We have some of the lowest rates around and without
the hidden fees. Apply on-line at TDECU.org or give us a call at
800.839.1154 and let us know how we can assist you. Technology is a
wonderful thing. Once approved for the loan, you can now sign all of
the loan documents electronically.
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WE UNDERSTAND THAT BANKING REMOTELY REQUIRES SPECIAL SERVICES.
Over 5,000 FREE shared-branching locations.
We have partnered with other credit unions around the country so you
can go into their branch and make a deposit or withdrawal just as if you
were in a TDECU branch.
FREE ATMs
Access to over 55,000 surcharge-free ATMs through the
Allpoint Network.
Allpoint Network
We also have a FREE mobile app for Apple® and Android® devices to
help you quickly locate them when you’re on-the-go.
Below are several examples of the shared branching network.
To see what is available in your area, visit TDECU.org, select
“Resource Tools” and “Branch/ATM locator.”
• Broussard, LA – 5 shared branches and 51 FREE ATMs
• Corpus Christi, TX – 5 shared branches and 54 FREE ATMs
• Erie, PA – 12 shared branches and 25 FREE ATMs
• Odessa, TX – 2 shared branches and 55 FREE ATMs
• Stephenville, TX – 7 shared branches (Fort Worth) and 2 FREE
ATMs in Stephenville
We also have a FREE mobile app for Apple® and Android® devices to
help you quickly locate them when you’re on-the-go.
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GREATER HOUSTON BRANCH LOCATIONS TO SERVE YOU
BAYTOWN
6011 Garth Road
Baytown, TX 77521
KATY
24250 Cinco Ranch Blvd
Katy, TX 77494
PEARLAND
9915 Broadway*
Pearland, TX 77584
TEXAS CITY
2800 Texas Ave
Texas City, TX 77590
DOWNTOWN TUNNEL
930 Main Street
Suite T-265
Houston, TX 77002
LA PORTE
(DOW Employees Only)
550 Battleground Rd
La Porte, TX 77571
10201 Broadway St #117
Pearland, TX 77584
WESTHEIMER
10952 Westheimer Rd
Houston, TX 77042
GEARS ROAD
(FMC Employees Only)
1777 Gears Road
Houston Texas 77067
MARATHON TOWER
5555 San Felipe, Suite 100
Houston, TX 77056
GREENWAY PLAZA
3800 SW Fwy, Ste 100
Houston, TX 77027
HEIGHTS
428 W 19th Street
Houston, TX 77008
MISSOURI CITY
9109 Sienna Christus Dr.
Missouri City, TX 77459
PASADENA
5835 Center St
Pasadena, TX 77505
322 Preston Rd
Pasadena, TX 77503
RICHMOND
5102 Richmond Ave
Houston, TX 77056
ROSENBERG
24706 SW Fwy
Rosenberg, TX 77471
SUGAR LAND
2109 State Hwy 6
Sugar Land, TX 77478
TANGLEWOOD
6348 Woodway
Houston, TX 77057
WOODLANDS
1410 Research Forest Drive
Shenandoah, TX 77381
Our friendly Member
Care team is here to
serve you.
We’re here to assist you with any
questions you may have regarding
the transition. Call your TDECU
Member Care team at:
800.839.1154
*Temporarily closed for remodeling.
DISCLOSURES/PRIVACY POLICY: For Account Information Brochure, Truth-in-Savings, Electronic Fund Transfers Disclosures and Privacy Policy, please visit us online at TDECU.org.
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800.839.1154 | TDECU.org | 1001 FM 2004 Lake Jackson, TX 77566-4012
Federally Insured by NCUA