smartchoices - Community Credit Union

December 2011
SMART MOVES WITH YOUR MONEY
smartchoices
your life. your choices. your community cu.
Mobile and Text Users – Conversion effective 12/7/11
Expedited Payments are here!
CCU is converting to a new mobile provider and
we want to make it simple and convenient for you
to switch to our new service. Intuit, the maker of
Quicken and TurboTax, is one of the industry
leaders in this emerging new technology. By
converting, CCU will be able to provide you with
innovative programs and services that build on
the mobile platform such as a CCU app, mobile
deposit capability, and purchase rewards.
CCU is now offering a new bill pay feature called
Expedited Payments. The Expedited Payments
feature extends the convenience of instant
payment delivery channels for the Credit Union’s
bill pay members.
After December 7th, converting will take less
than two minutes and it will be done online. Here
is how you can re-register your phone for text
banking:
• Login to online banking and click on the
‘Mobile Banking & Alerts’ tab
• Click the ‘Activate’ button for text banking and
enter your mobile phone number in the fields
provided
• Click on the ‘Terms and Conditions’ link
• Check the checkbox that you have read the
‘Terms and Conditions’
• Click the ‘Next’ button – an activation code
will be texted to the registered mobile device
• Enter the activation code in the appropriate
field provided and click the ‘Next’ button
• Select the primary account from where you
will receive balance inquiries and alerts
• Select your preference for account transfers
to your primary account
• Select your preference for primary account
alerts
• Click the ‘Finish’ button – you will receive a
confirmation message that you are setup for
text banking
The new text banking platform has the same
features and functionality that you enjoy today, as
well as additional features and functionalities,
such as a weekly balance alert, are available on
the primary account you select during
registration.
To access mobile banking, go to
http://mobile.ccuflorida.org on your mobile
browser or log in to online banking and click on
the ‘Mobile Banking & Alerts’ tab. Click the
option to send the mobile banking link to your
mobile device. After logging in to mobile banking,
you will be required to enter your User ID and
Password, as well as the answers to your
authentication questions.
To view a brief text demo, go to:
http://diproductsite.com/mobile/Text_Messag
e_Banking_Demo.html.
To view a brief mobile demo, go to:
http://diproductsite.com/mobile/Mobile_Web_
Banking_Demo.html.
Look for CCU’s Mobile App coming in 2012!!!
There is a fee for this new service and the cost is
automatically debited from your checking account
at the same time the actual bill payment is
debited by Intuit. This fee cannot be waived.
Payment Type
Member Fee
Overnight Check
$25.00
Next-Day ACH (ePay)
$4.00
To access the Expedited Payments feature, a
member will logon to Online Banking and access
the bill pay and presentment service. From the
“Payments” screen, the member simply clicks on
the “Expedited Payment” link to access Expedited
Payments. You can also access Expedited
Payments from the “Make Payments” screen.
Each merchant/payee will determine the cutoff
timeframe for accepting an Expedited Payment;
therefore, cutoff timeframes will vary from
merchant to merchant or payee to payee. A drop
down list of merchants participating in the
expedited program is located in bill pay.
We hope this new expedited service will be
beneficial to you.
Ease the stress of the holidays with a Seasonal Loan
A Seasonal Loan is a great way to pay for gifts for the one
you love or holiday travel. Whether it’s a large screen 3D
television, jewelry, a new computer, or even that Tahoe ski
vacation, CCU has a way to help you manage your expenses
over the next year by offering a seasonal loan at reasonable
rates.
9.99% APR. Rates may vary depending on your credit history.
The Seasonal Loan requires that member’s must place a
minimum of $20 per month in a direct deposit to your next
year’s Holiday Club Account. A Holiday Club Account is a
convenient way to save all year long for annual gift giving. It’s
one of CCU’s most treasured accounts.
The Seasonal Loan is available now through January 31,
2012. The term is for 12 months and the rate is as low as
Give yourself the gift of a stress free holiday season by taking
advantage of CCU’s Seasonal Loan today!
CCU participates in Center for
Ethics & Leadership Breakfast
Pictured left to right: David Brock, Stuart Burns, Annie Becker,
Dr. Roger Manley, and Cliff Petersen.
Another satisfied “REMIXER”
CCU continues to help people REMIX their loans
and put more money in their pocket everyday
with the REMIX My Loan campaign. Bill and
Debra Hoffpauir financed a motorhome. Their
“maiden voyage” took them happily down south.
The Hoffpauir’s said, “We explored the Florida
Keys...We notified everyone that if we get lost,
don’t send help! Thank you Community Credit
Union of Florida!”
If you haven’t REMIXed your loan yet, give us a
call at 321.637.3211 or apply online at
www.ccuFlorida.org.
Take a real holiday…Skip a Loan Payment
X
DECEMBER
2011
OR
X
JANUARY
2012
If you are crunched during the holiday season
with lots of expenditures, then take a real holiday.
CCU’s Skip a Loan Payment Program may be just
the relief you need to stop the headaches of
budgeting during this gift giving time.
Our Skip a Loan Payment promotion is provided
to members during the month of December
and/or January. Just choose which month you
want to skip – December or January – let a
friendly member service representative know
and we will give you a holiday from making a
payment. All loan payments must be current to
be eligible. Certain loans are excluded such as
all real estate loans, overdraft protection loans,
member business loans, member solution loans
(less than six months prior) and loans granted
less than six months prior.
Plus, CCU is giving members with a VISA card a
break for the holidays as well. VISA payments for
the month of December will be automatically
waived if the card is current and not over the
limit. There is no need to contact CCU in order to
take advantage of this offer!
Got Questions? CCU has Answers!
In today’s fast-paced world you want more
channels of communication and more effective
service around the clock to reach accurate and
relevant answers. From time to time you may
have questions about Community Credit
Union and you need answers NOW.
Questions such as: What is CCU’s
routing number? How much
history can I download from my
account? How do I sign up for
online statements? How can
I transfer between multiple
joint account numbers?
Q
A
Got
CCU has
As a result, CCU is unveiling an
innovative self-service web
channel that is open 24x7x365 to
enable you to obtain information and
find answers at your convenience. CCU’s new
Knowledgebase is a central repository that
continually evolves with new information and is
Contact Us
quickly and easily searchable. The tool paves the
way for effective digital intelligence, by integrating
all information and expertise into one database
that members have access to, any time of the
day or night.
Just click on the button that says
“Got Questions? CCU has
Answers!” and you will be
directed to the more than
200 most commonly asked
questions in our database.
uestions?
Why wait in line or call us
when you can do it yourself
at your convenience? So, give
nswers
the Knowledgebase a try. You
just might find answers to
questions you didn’t even know you
needed, such as bill pay questions, what type
of accounts we offer, how to sign up for text
balancing and so much more.
.
321.690.2328 • 800.690.2338
Text Balance & Transfer
For a complete list of text codes or to sign
up for text access to obtain balances and
do transfers, please visit
www.ccuFlorida.org.
Apply for a loan anytime by calling
321.637.3211 or online by logging in
at www.ccuFlorida.org.
Access your account 24-hours a day by
calling Telli at 321.631.4611 or
888.636.4611
Stuart Burns, Chief of Staff for U.S.
Representative Bill Posey, recently spoke on
“Ethics in Politics” at the Nathan M. Bisk College
of Business Center for Ethical Leadership Fall
Ethics Breakfast. The Center hosts a fall and
spring Ethics Breakfast that is made available,
free of charge, to faculty, staff and students. The
objective of the Center for Ethics and Leadership
is to provide a forum for exploring and furthering
ethical practices in organizations, to support and
participate in ethics related education
opportunities, and to continually promote the
importance of ethical behavior in society with
particular emphasis on the business community.
2012 CCU Annual Meeting
The date of the 59th Annual Meeting of
Community Credit Union has been scheduled for
Thursday, March 8, 2012, at 7 p.m. at the
Rockledge Branch. One of the items of business
is the election of one person to fill the opening on
the Board of Directors.
The Nominating
Committee has nominated Ms. Betty Dunn. Ms.
Dunn was the former Associate Superintendent
of Student Services for Brevard Public Schools.
She currenlty serves as the Chairperson of the
Community Credit Union Audit Committee.
Nominations for the vacancy may also be made
by petition signed by at least one percent (1%) of
the credit union members. In order to be
validated, petitions must be submitted to the
Secretary of Community Credit Union by close of
business Monday, January 23, 2012. Petitions
submitted after this date will not be accepted.
Elections will not be conducted by ballot, and
nominations from the floor will not be taken
when there is only one nominee for each
position.
Mark your calendars to attend the 2012 Annual
meeting. There will be refreshments and prize
giveaways. All Community Credit Union members
are welcome to attend!
Board Members and Executive Staff
Access Mobile Banking at
https://mobile.ccuFlorida.org
Board of Directors
Henry L. “Jack” Kelley, CCD
Senior Management
David O. Brock, CCUE, CCE
Branch Locations
Rockledge - 1030 S US Highway 1
Port St. John - 6269 N US Highway 1
Palm Bay - 1325 Palm Bay Rd.
Melbourne - 333 E. NASA Blvd.
Viera - 7380 Murrell Rd., #102
Titusville - 3125 S. Washington Ave.
Indian Harbour Bch - 293 E. Eau Gallie Blvd.
Dortha G. Everhart
Laurie Cappelli, CCE
Linda P. Dale, CPA
David Hill
Betty A. Dunn
Lesli Dooley, CCUE
Important Dates
Saturday 12/24 - Christmas Eve branches are closed.
Monday 12/26 - Branches closed to observe the holiday.
Saturday 12/31 - New Years Eve branches are closed.
Monday 1/02 - Branches closed to observe the holiday.
Chairman
Vice Chair
Secretary/Treasurer
Director
Jim Platman
President/CEO
Senior Vice President
VP of Technology
VP of Organizational
Development
Director
Jim Chastain
VP of Commercial Srvs.
Sara T. Stern
VP of Marketing
Susie LeBouef
VP of Accounting
Deposits
You have access to over 50,000 FREE
ATMs nationwide, many with deposits.
To find a location near you, visit
www.ccuFlorida.org.
Federally insured by NCUA.