top-5 value products - Schools Financial Credit Union

AVOID THE OOPS! DON’T BE DECLINED.
JINGLE BALL − WIN TICKETS!
VISA® GIFT CARDS.
NOVEMBER 2010 schools.org BETTER VALUE. OUTSTANDING SERVICE. SM
17th Annual
“A Family Tradition of Giving”
WEEKLY GIVEAWAYS AND
KEY CREDIT UNION INFO.
Each year Schools sponsors the Hansen/McClain Run to Feed the Hungry
on Thanksgiving Day. This event features a competitive 5k and 10k run, as
well as a 5k fun run/walk. Proceeds from the run/walk aid the Sacramento
Food Bank and Family Services. Stop by Schools’ water station on the 5k
course and say “hi” to the employees of your favorite Credit Union!
Support our local food banks by donating cash and nonperishable food at each
branch location.* We assist the following food banks:
El Dorado County Food Bank • Elk Grove Community Food Bank
Placer County Salvation Army • Sacramento Food Bank and Family Services
Twin Lakes Food Bank • Yuba/Gleaners Food Bank
*The Placerville Branch is collecting cash only donations.
Donate a new or gently used coat to any Schools location for News10’s 20th Annual
Coats for Kids drive! Each year News10 supplies thousands of local children in need
with warm coats for winter.
Entertainment Books are selling for a new, LOW price of $30! A portion of every
Entertainment Book sold will be donated to CMN. Buy your book at one of these
selected branches: College Greens, Folsom, Madison, Orangevale, Placerville and
Roseville. Visit schools.org/locations to obtain directions to the branch nearest you.
Buy a holiday stocking for $1 in every Schools branch! All proceeds from stocking
sales are donated directly to CMN.
T O P- 5 V A LU E P R O D U C T S : F R E E B I L L PAY • E Q U I T Y P R O D U C T S • A U T O LO A N S • C E R T I F I C AT E S • P L AT I N U M V I S A ® C R E D I T C A R D S
WIN Tickets
With Meet
and Greet
Passes!
1
See our Consumer Disclosure at bottom for odds and other details.
NO PURCHASE NECESSARY.
Don’t miss your opportunity to see Paramore, B.o.B.,
Jesse McCartney and 3OH!3 perform live. Schools is
giving 15 pairs of tickets away, and one lucky winner
will also win a pair of Meet and Greet passes for a
chance to meet the stars!
Open one of these eServices in any branch
by November 15 to be entered to win:
•BillPay
•eStatements only
•Personal Branch Online Banking
Schools Visa Gift Card
®
Gift Card
DEBIT
Purchase a Schools Visa
Gift Card at any branch
for everyone on your
holiday shopping list. Visit
schools.org/locations for
a location nearest you.
Your Credit Union Governance
Board of Directors
E.J. Houghton, Jr., Chairman
R.E. Kramnic, Vice Chairman
M. Smith, Treasurer
G.L. Ross, Secretary
E. Martinez, Director
T. Matista, Director
Has your ATM point of sale (POS) or everyday Visa® Check Card transaction been
declined since a regulation changed in August? OPT-IN to Courtesy Pay2 to protect
these transactions. Courtesy Pay allows us to cover your unexpected expenses so that
your purchases are not declined when funds are not available. If you do not choose to
OPT-IN to this service, your ATM POS and everyday Visa Check Card transactions will be
declined if funds are not available in your account.
OPT-IN!
•Login to Personal Branch Online Banking at schools.org.
•Call 916-569-5400 (Sacramento area) or 800-962-0990.
•Visit any branch.
•Write to us at PO Box 526001, Sacramento, CA 95852-6001.
Your Credit Union also offers overdraft protection from your savings account or line
of credit when ACH, check and automatic check debits clear your account and funds
are not available. Contact the Credit Union for more information.
ATM POS and everyday Visa Check Card Courtesy Pay transaction
fees are assessed per transaction, per item, as shown below. In
some cases, a Courtesy Pay transaction won’t cost you a thing!
Transactions to $9.99..........................FREE
Transactions $10 to $49.99.................$12
Transactions $50+.............................$25
President & CEO
Jim Jordan
Supervisory Committee
D.E. Bleekman, Chairman
G.A. Smith, Secretary
D. Wyman
Call Center, Loan by Phone & Audio Teller:
916-569-5400 (Sacramento area) or 800-962-0990
Branch Locations & Online Banking:
schools.org
Your savings federally insured to at least $250,000 and backed
by the full faith and credit of the United States Government.
National Credit Union Administration, a U.S. Government Agency.
...the details
Don’t be DECLINED.
There is a maximum fee limit of $125 per day for ATM POS and everyday Visa Check Card transactions. However, you
will not be charged a fee, regardless of the amount of the transaction, if the ATM/Visa Check Card transaction results
in a negative available balance less than $10.
Real Estate
Shared Branching
Holiday
First mortgage rates are at an all-time
low. Purchasing a home in today’s
market could save you money and may
qualify for a tax deduction. Start the
home-buying process with a Schools
Real Estate Loan Counselor today by
calling 916-569-5473 (Sacramento
area) or 800-962-0990, ext. 5473.
Access your Schools accounts at more
than 4,000 credit unions locally and
worldwide that participate in shared
branching. Visit schools.org to find a
credit union near you!
All Schools Financial Credit Union
branches will be closed in observance of:
Veterans Day –
Thursday, November 11, 2010
Thanksgiving Day –
Thursday, November 25, 2010
1 Consumer Disclosure: “Jingle Ball Drawing”: NO PURCHASE NECESSARY. Odds of winning a pair of tickets are based on the number of entries, which are estimated to be 14 in 500. Odds of winning a pair of tickets with a pair of Meet and Greet passes are estimated to be 1
in 500. Fifteen pairs of Jingle Ball 2010 tickets and one pair of Jingle Ball 2010 Meet and Greet passes will be awarded on or before November 20, 2010. All entrants must be members in good standing, eligible per Credit Union policy and at least 18 years of age. Credit Union officials, employees
and their family members are not eligible. Entries accepted through November 15, 2010. For complete Official Rules, visit schools.org or any branch.
2 Not all members will qualify for Courtesy Pay. The Credit Union pays overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined. Additionally, you
must be a member in good standing and at least 18 years of age to receive this service.