Welcome to Germany! - Service Credit Union

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Welcome
to Germany!
Live Person Service 24/7 • 00800.4728.2000 • servicecu.org
FM 18-20 Rev. 7.15
SERVICE CREDIT UNION HAS EVERYTHING YOU NEED FOR WHEREVER YOU GO
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BUSINESS
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18_20_Cover.indd 1
7/27/2015 8:54:58 AM
everything you need for wherever you go
Welcome To Germany!
Table of Contents
Home
Banking
Settling In.....................................................................1,2
Utilities............................................................................ 3
Branches in Germany...................................................4
Vacation Destinations...............................................5,6
Conversion Chart......................................................... 7
Checking Options.......................................................15
Choose Service Credit Union..................................16
It’s Your Money – Feel Free To Use It.....................17
Free ATMs and International Visa® Fees.................18
Mobilize Your Banking................................................19
Instantly Issued Debit/Credit Cards.......................20
Kids Accounts & Financial Education......................21
RewardsNOW.............................................................22
Get Paid Up To Two Days Early................................23
Money
Money In Your Pocket..................................................8
International Bill Pay..................................................... 9
Get In and Drive.........................................................10
Shopping in Germany.................................................11
Discounts with Direct Deposit................................12
Savings Certificate .....................................................13
Cash while Relocating................................................14
Specials
Programs Exclusively for Military............................24
Honoring Your Commitment...................................25
Warrior Savings Account...........................................26
Guaranteed Pay...........................................................27
Military Loan Discounts............................................28
Program and Disclosure Information.....................29
Accurate as of 8/1/15
everything you need for wherever you go
home
Settling In
SERVICE CREDIT UNION HAS EVERYTHING
YOU NEED FOR WHEREVER YOU GO.
Service Credit Union is the clear advantage for all your
banking needs and more. Learn everything you need to
get settled in your new home including how to pay any
bill in Euro and many other foreign currencies. We offer
products and services exclusively designed to give you
extra conveniences and financial benefits so you can
keep your mind on the mission.
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everything you need for wherever you go
Settling In
Service Credit Union is the Clear Advantage for all the
information you need to settle into Germany including
utilities and how to pay your bills.
home
VALUABLE INFORMATION
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everything you need for wherever you go
Utilities
What you need to know about setting up utilities overseas.
home
At Service Credit Union, we understand that you and your family may need
to move many times throughout your military career. Our job is to make
your move as simple as possible. Below is helpful information for setting up
your utilities overseas.
UTILITIES
Paying utilities overseas is much different than in the United States. Rent and
utilities are paid in Euro, which means costs vary based on the daily exchange
rate. Paying utilities is by automatic debit from a German account. Your
Service Credit Union account offers the ability to pay these bills via
International Bill Pay, an exclusive Service Credit Union service. International
Bill Pay can be set up online, by mobile app or at a branch.
German utilities are also billed differently. Billing cycles vary with
providers and can be monthly, bi-monthly or quarterly. In addition, bills
will not fluctuate from month to month; you pay a flat amount each billing
cycle. When you first move in, this flat rate is based on the usage of the prior
tenant. After a year, the rate is adjusted based on your average usage. At
this time, if you haven’t paid enough for the year, you will receive a year-end
settlement bill. These can be quite large, so if your utility allowance does not
equal your bill amount, you are strongly encouraged to save the difference.
There are also additional services and costs associated with renting a home
in Germany. You should plan for snow removal, chimney sweep, sewage
disposal, stairwell cleaning and stairwell and basement lighting.
CELL PHONES
Cell phone contracts are typically for two years and are paid similarly to
German utilities. Again, payment must be automatically debited from a
German account.
OIL
If you live in a house that uses heating oil, the oil is usually paid in a lump sum
when the tank is filled. It is a good idea to set aside money from your utility
allowance for this cost. Your landlord or the current tenant should be able to
provide you with an estimated cost to fill the tank.
You should try to fill your oil tank during the summer months as oil is
typically less expensive during that time. Also, you may be able to negotiate
a cheaper price if you and your neighbors buy in bulk and have it delivered at
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the same time. Be sure to price shop for oil at several companies including
AAFES (Army & Air Force Exchange Service) prior to purchasing your
heating oil.
Utility costs vary due to size and age of your home, number of
occupants and personal habits. Average monthly costs
are listed below.
• Electricity: Euro 120
• Gas (Heat): Euro 200
• Oil (Heat): Euro 200
• Water: Euro 40 per person
VALUE-ADDED TAX (VAT)
Take advantage of the Value-Added Tax (VAT)
program in order to avoid the 19% local German
tax. This is a German tax of 19% on everything
purchased. You will need to go to the VAT office at
your base and purchase the forms (approx. 3 Euro)
to take with you while you go out shopping. These
3-part forms can be sold individually or in packages
of 10. You will use one form per store and will be
discounted the 19% VAT at check out. The store
will keep one copy of the form, you keep a copy and
you return a copy of the form to the VAT office on
your base.
UTILITY TAX AVOIDANCE PLAN (UTAP)
UTAP is a walk-in service that helps reduce utility
costs by providing tax relief for 19% electricity,
19% gas and 7% water. An administrative fee is
charged upon registration. By signing up for UTAP,
you also save on utility deposits and sign up fees on
top of the VAT. A sponsor must register or provide
a power of attorney. You must update your account
if you move after you register. Go through the
Value-Added Tax (VAT) office at your base.
everything you need for wherever you go
Branches in Germany
BRANCHES IN GERMANY
Ansbach –Bldg. 5823, Tel: 09802.8680 or DSN 467.2556
Baumholder – Bldg. 8669, Tel: 06783.999.9860 or DSN 485.7109/6226
Garmisch – Bldg. 9901, Tel: 08821.730.3600 or DSN 440.3373
Dial the appropriate phone number:
800.962.6385 (U.S.) • 00800.732.8847 (Germany) • 0049.631.351.20900 (Outside Germany)
HQ
home
Contact Center – Bldg. 2762, Kapaun Air Station, Tel: 0631.351.2030/
00800.4728.2000 or DSN 493.4384/4390
CALL24 TELEPHONE TELLER
You can access your account 24/7 from any phone. Your Call24 PIN is the four digit number
used to access your account through the Automated Teller. If you are a first-time user, your
Call24 PIN defaults to the last four digits of your member account number. After your first
login, you will then be prompted to create a new PIN.
Grafenwoehr – Bldg. 148, Tel: 09641.926.790 or DSN 475.9050
Hohenfels – Bldg. 335, Tel: 09472.911050 or DSN 466.4157
SCHLESWIG-HOLSTEIN
Kleber – Bldg. 3226, Tel: 0631.340.4085 or DSN 483.7940
MECKLENBURG-VORPOMMERN
KMCC Branch – Bldg. 3336, Suite M20, Tel: 06371.613690
Ramstein – Bldg. 2410, Tel: 06371.463.9600 or DSN 480.5556/2425
LOWER SAXONY
Berlin
Sembach – Bldg. 147, Tel: 0630.292.4000
BRANDENBURG
BRANDENBURG
ServicePoint – Bldg. 2762, Kapaun Air Station (self-service branch)
SAXONY-ANHALT
Spangdahlem – Bldg. 174, Tel: 06565.616011 or DSN 452.6674/6011
NORTH RHINE-WESTPHELIA
SAXONY
Stuttgart.Panzer – Bldg. 2915, Tel: 07031.8194333 or DSN 431.3237
THURINGEN
Stuttgart.Patch – Bldg. 2325, Tel: 0711.686.87580 or DSN 430.7194/8181
HESSEN
Vilseck – Bldg. 224, Tel: 09662.700280 or DSN 476.2839
Spangdahlem
LIVE PERSON SERVICE 24/7
You can call Service Credit Union’s Contact Center at any time to speak with a live Member
Service Representative. We have representatives available 24/7 to assist you with your
financial needs!
800.936.7730 (U.S.) • 00800.4728.2000 (Int’l) • DSN (314) 493.4384/4385
Grafenwoehr
RHINELAND-PALATINATE
Baumholder
Vilseck
Ramstein
SAARLAND
Sembach
HQ
CC
Kleber
Ansbach
Hohenfels
Kaiserslautern
Stuttgart-Patch
Stuttgart-Panzer
BAVARIA
Landshut
BADEN-WURTTEMBERG
Augsburg
MUNICH
LIVECHAT24
LiveChat24 is a free online service that allows you to have questions answered by a live
Service Credit Union Member Service Representative. Visit servicecu.org and click on the
LiveChat24 option on the right side bar.
Garmisch
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everything you need for wherever you go
Vacation Destinations
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What you need to know about traveling around Europe.
PARIS: Reaching the famed “City of Love” from Germany-based U.S.
Military installations is an easy feat, particularly by taking advantage
of high speed rail options or ICE trains. With speeds reaching 320
km per hour, you can reach Paris from the Kaiserslautern area in
approximately 2:40 or 3:30 from Stuttgart. Upon arrival, you can
easily connect to the city’s underground metro system and reach
the Eiffel Tower, The Louvre, Notre Dame, and the famous Champs
Elysées in minutes. Hop-on, hop-off bus tours of the city are also a
family friendly way of touring the area for first-time visitors. For more
information on train fares, head to www.bahn.com, www.tgv.com,
www.ltur.com/de/bahn. For more information on tours and tourist
destinations, log on to en.parisinfo.com.
MUNICH: Only 90 km from Garmisch or 230 km from Stuttgart,
Munich offers visitors a broad range of activities for travelers of
all ages. Attractive museums, architecture, shopping, and Bavarian
culture (and food!) keeps Munich on the top of must-see destinations
in Germany. All major tourist sites can easily be reached by
the city’s metro lines, such as the Marienplatz (Mary’s Square),
Englischer Garten (English Garden), Frauenkirche (Church of Our
Lady), Peterskirche (St. Peter’s Church) and the famed Deutsches
Museum. You can also take a day tour from the inner city to nearby
Dachau Concentration Camp or the scenic German Alps region of
PRAGUE: Known as The City of a Thousand Spires, Prague is surely Garmisch-Partenkirchen with its picturesque castles. The worldfamous Oktoberfest also takes place here throughout the months of
one of Europe’s most beautiful cities. The Czech Republic’s capital
and largest city is located only 260 km from Grafenwoehr, Germany. September and early October. For more information, visit Munich’s
official tourist information site at www.muenchen.de/int/en.
Filled with gothic churches, cobblestone streets and the majestic
Prague Castle, most tourist destinations can be navigated via foot,
making it the perfect destination for a long weekend. Be sure not
to miss Old Town Square with its famous astronomical clock,
Charles River and Bridge, the Old Jewish Ghetto and Cemetery,
and Wenceslas Square. For more information on Prague’s many
offerings, visit their official tourist site at www.praguewelcome.
cz/en. A reminder if traveling by POV: you are required to
purchase a vignette (road usage sticker) that you affix to your
windshield while in the country, which is required for use of
motorways and expressways. This can be easily done at any gas
station shortly following the border crossing.
BENELUX: The Benelux area is comprised of three European
countries in northwest Europe: Belgium, the Netherlands,
and Luxembourg. All three countries are very easy to navigate
from U.S. bases throughout Germany. Those who reside in
Spangdahlem can reach Brussels, Belgium in only 230 km; the
Kaiserslautern area is only a short 160 km from Luxembourg
City. Another good option for easy travel throughout the area
is the Eurail Benelux Pass, which provides rail access to popular
destinations such as Amsterdam, Brussels, and Bruges, and is
typically valid for 3 days travel within a month.
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For additional details, log on to www.eurail.com/eurail-passes/onecountry-pass/benelux.
BERLIN: Germany’s capital and largest city can be reached from any
U.S. military installation via car, rail or air. Located in northeastern
Germany, the European metropolis is a city filled with culture,
art, gastronomy, world-renowned museums and rich history. Visit
the Berlin Wall and Checkpoint Charlie, the famed East GermanWest German border crossing turned tourist destination. Other
must-sees are Museum Island, Reichstag, the Jewish Museum,
Brandenburg Gate, or you can opt to get away from the bustle of the
city by visiting Gruenwald, Berlin’s largest forested area. For more
information on this special city, visit www.visitberlin.de/en.
everything you need for wherever you go
Vacation Destinations
Tips to stay within budget while traveling around Europe.
BASE-ORGANIZED TRAVEL: Organized bus tours can be a
good way to travel in Europe for those who are not comfortable
traveling alone, looking to cut costs, or simply wish to spend less
time organizing their own travel. Check with your local USO Office,
RTT, SATO or Outdoor Recreation Office to get a sampling of the
organized tours they have to offer in your community.
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BYPASS HOTELS: Often times, it is much more affordable and
comfortable to rent an apartment versus relying on traditional hotel
stays when traveling. It gives you the opportunity to accommodate
larger groups, families with children, and stretch your dollar all the
while feeling like less of a tourist and more of a local. You are also
rewarded with more space and access to a kitchen (and on occasion,
parking), which can cut back on food expenses. In most cases, you
will deal with the owner (a vast majority speak English), and in other
instances, you work with an agency. A cleaning fee is typically included.
There are many ways to find apartment rentals; here are a few
websites: www.vrbo.com, www.homeaway.com and www.airbnb.com.
FREE WALKING TOURS: Many of Europe’s largest cities offer
walking tours at no charge. The tour guides work on tips, and you
are free to tip what you feel is appropriate. Most last 2-3 hours, and
they are a great way to get a quick city orientation on just about
any budget. Visit www.neweuropetours.eu and www.priceoftravel.
com/1835/list-of-free-walking-tours-around-the-world or a listing of
free tours.
specials
AIRFARE: Take advantage of many of Europe’s low-cost airliners that
will offer airfare to major tourist destinations at very affordable rates.
Some of the most popular are www.ryanair.com, www.easyjet.com,
www.vueling.com and www.wizzair.com. You can also use a search
engine inclusive of budget airlines such as www.skyscanner.com.
TRAVEL IN THE OFF-PEAK SEASON: Travel in Europe
is typically divided into three seasons: low season (Nov-Mar),
mid or “shoulder” season (Apr-mid Jun and Sept-Oct), and peak
season (mid-Jun-Aug). Timing your vacation in the low season has
its advantages, as long as you can brave through some of the offseason weather. Airfare drops by hundreds of dollars, tourist crowds
are thin, hotels are quieter and many top attractions have minimal
wait times.
HOSTEL SITES: While a hostel is not for everyone, it is one of
the most inexpensive ways to travel in Europe. You rent a bed in a
communal area rather than a private room and often times share
a community bathroom. It can be a great way to meet new friends
along the way and mingle with people throughout the world. Not
for you? No problem, but be sure to not overlook hostel sites for
information on some of the most budget friendly tourist sites in
major European cities. Their lists of affordable and even free activities
are often a valuable untapped resource. Hostelworld.com is a great
site to visit, with lists such as this one that highlight 50 things to do
for free in Europe: www.hostelworld.com/travel-features/81/50things-to-do-for-free-in-europe.
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everything you need for wherever you go
Conversion Chart
home
EnglishGerman
Welcome!.........................................................Willkommen!
Hello.........................................................................Guten Tag
Good-Bye������������������������������������������������� Auf Wiedersehen
Good Day�������������������������������������������������������������� Guten Tag
My Name Is................................................ Mein Name Ist...
Do You Speak English?�������������������Sprechen Sie English?
I Don’t Speak German������������Ich Sprech Kein Deutsch
I’m Sorry�����������������������������������������������������������Entshuldigung
Please/Thank You���������������������������������������������Bitte/Danke
No/Yes��������������������������������������������������������������������������Nein/Ja
Left/Right�����������������������������������������������������������Links/Rechts
Straight Ahead������������������������������������������������������Geradeaus
Where Is A Bank?.................................Wo Ist Eine Bank?
...Restaurant?............................................... Ein Restaurant?
...Gas Station?����������������������������������������������Die Tankstelle?
...Train Station?�������������������������������������������������������� Die Bahnhof?
...Restroom?����������������������������������������������������������� Die Toiletten?
...Policeman?�������������������������������������������������������������������������Polizei?
Measurement Conversions
WHEN YOU KNOW
Ounces
Pounds
Teaspoons
Tablespoons
Cups
Pints
Quarts
Gallons
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MULTIPLY BY
x28.35
x0.45
x4.93
x14.78
x0.24
x0.47
x0.95
x3.79
TO FIND
Grams
Kilograms
Milliliters
Milliliters
Liters
Liters
Liters
Liters
Women’s Shoes
US / EURO
Children’s Shoes
US / EURO
Women’s Sizes
US / EURO
535
636
737
838
940
246
348
450
552
654
756
826
927
1028
Dresses/Pants
634
836
1038
1240
1442
Men’s Shoes
US / EURO
841
942
1043
1144
1245
Infant Sizes
US / EURO
Newborn56
3 months
62
6 months
68
9 months
74
12 months
80
18 months
86
1129
1230
1331
Children’s Sizes
US / EURO
292
398
4104
5110
6116
7122
8128
9134
10140
1644
1846
2048
12 A.M. / 00:00
5 A.M. / 5:00
6 A.M. / 6:00
New York
United Kingdom
Germany
7 A.M. / 7:00
9 A.M. / 9:00
1 P.M. / 13:00
Turkey
Iran
Korea
5 P.M. / 17:00
7 P.M. / 19:00
Japan
New Zealand
Hawaii
8 P.M. / 20:00
9 P.M. / 21:00
11 P.M. / 23:00
Alaska
California
Chicago
Men’s Sizes
US / EURO
Pants
3046
3248
3450
3652
3854
4056
Shirts
2 P.M. / 14:00
1436
1538
1641
1743
11146
12152
13158
14164
15170
16176
Temperature Conversions
CELSIUSFAHRENHEIT
-15
5
-12
10
-9
16
-6
24
-4
25
-1
30
0
32
2
36
3
41
8
46
10
50
13
55
CELSIUSFAHRENHEIT
16
61
19
66
21
70
24
75
27
30
32
35
37
38
41
44
81
86
90
95
99
100
106
111
everything you need for wherever you go
Money In Your Pocket
Learn how Service Credit Union can put more money in
your wallet. Special accounts and programs that benefit
you, our military members!
money
SPECIAL PROGRAMS TO SAVE YOU MONEY
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everything you need for wherever you go
International Bill Pay
Pay bills in British Pound, Canadian Dollar, Euro, Japanese Yen and Swiss Franc online and in-branch.*
money
EUROPEAN UNION
CROSS-BORDER PARTICIPANTS*
Country Code
Country
Entry Point Euro/
Currency
AT...................................Austria..........................YES.....................YES
BE....................................Belgium.........................NO.....................YES
BG...................................Bulgaria.........................NO.....................NO
CH..................................Switzerland..................YES.....................YES
CY...................................Cyprus..........................YES.....................YES
CZ..................................Czech Republic...........NO.....................NO
DE...................................Germany......................YES.....................YES
DK..................................Denmark......................YES.....................NO
EE....................................Estonia..........................YES.....................NO
ES....................................Spain..............................YES.....................YES
FI.....................................Finland..........................NO.....................YES
FR....................................France...........................YES.....................YES
GB...................................Great Britain...............NO.....................NO
GI....................................Gibraltar.......................NO.....................NO
GR..................................Greece..........................YES.....................YES
HR..................................Croatia.........................YES.....................NO
HU..................................Hungary........................NO.....................NO
IE.....................................Ireland...........................YES.....................YES
IS.....................................Iceland..........................NO.....................NO
IT.....................................Italy................................YES.....................YES
LI.....................................Lichtenstein.................YES.....................NO
LT....................................Lithuania.......................NO.....................NO
LU...................................Luxembourg................YES.....................YES
LV....................................Latvia.............................YES.....................NO
MC..................................Monaco........................NO.....................YES
MT..................................Malta.............................NO.....................YES
NL...................................Netherlands................YES.....................YES
NO.................................Norway........................YES.....................NO
PL....................................Poland...........................YES.....................NO
PT...................................Portugal........................YES.....................YES
RO..................................Romania.......................NO.....................NO
SE....................................Sweden.........................YES.....................NO
SI.....................................Slovenia........................YES.....................YES
SK...................................Slovakia.........................NO.....................NO
*See p. 29 for more information.
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SAVE TIME, IT’S EASY! With all of Europe to explore, who
WHAT IS A SEPA PAYMENT? SEPA stands for Single Euro
wants to spend time waiting in line? Service Credit Union offers
Payments Area and is project managed, supported and promoted
you the ease of recurring International Bill Pay, so you can pay your by the European Payments Council. The initiative aims to replace
bills quickly and with confidence in over 30 participating countries. differing cross border payment methods with a single common
system to increase ease, simplicity and efficiency.
AUTOMATIC DIRECT PAYMENTS: When you set up
WHICH COUNTRIES CAN I SEND PAYMENTS TO? A SEPA
International Bill Pay, you can schedule payments to be transferred
payment is a payment not only for transfers within Germany, but
­directly to your creditor/payee from your Service Credit Union
also within the European Union. We are currently able to send
checking account.
payments to the following countries: Austria, Belgium, Bulgaria,
WHICH BILLS CAN I PAY? Any bill you pay on a monthly
Cyprus, Czech Republic, Denmark, Estonia, Finland, France,
or quarterly basis (with a set amount) is c­ onsidered recurring.
Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein,
Examples are rent, automobile insurance, cable, TV, etc.
Lithuania, Luxembourg, Malta, Monaco, Netherlands, Norway,
HOW DOES IT WORK? After you fill out the Recurring
Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden,
Payment Order Authorization Form (available online and at any
Switzerland and United Kingdom.
branch), your information is processed and your recurring bills
WHAT DO I NEED TO MAKE A SEPA PAYMENT? To make
are then paid automatically. You may choose to pay them weekly,
a SEPA payment the following information is required:
biweekly, monthly or quarterly.
• Name of the payee
AM I ELIGIBLE? Recurring International Bill Pay is ­available to
• Name of the bank
all our members who have payments and a Service Credit Union
• The IBAN number of the receiving payee
checking account.
• The BIC code of the receiving bank
HOW DO I SIGN UP? No sign up is required. If you are a
current member with a checking account International Bill Pay can be
accessed under bill pay through online banking or mobile app.
WHAT IS AN IBAN? IBAN is an acronym, which stands for
WHAT DOES IT COST? You will only pay $1.00 per online
International Bank Account Number. It is a standard way of
uniquely identifying an account for the purpose of improving the
efficiency and speed of cross-border payments.
transaction and $2.00 per payment made at a branch office,
avoiding the much higher fees charged elsewhere.
The following are examples of IBAN in written format (printed in
sets of four characters for legibility):
EURO RATE WATCHER Visit our website to sign up for our free
DE89 3704 0044 0532 0130 00
FR14 2004 1010 0505 0001 3M02 606
GB29 NWBK 6016 1331 9268 19
GR16 0110 1250 0000 0001 2300 695
weekday Euro Rate Watcher email. Daily conversion rates are
delivered right to your computer or mobile device.
WHAT WILL I NEED?
• Payee’s name & account number or IBAN
• European bank’s name and routing number and BIC code
• Choice of frequency- Weekly, Biweekly, Monthly or Quarterly
• Billing/reference number
WHAT IS A BIC? BIC stands for Bank Identifier Code. (This is
similar to an ABA number – US routing number.) It is used to identify
a bank, when sending or receiving payments. The BIC can be either 8
or 11 digits in length, and Service Credit Union’s BIC is SCRUDE51.
everything you need for wherever you go
Get In and Drive
Service Credit Union’s low rate will get you moving. Get pre-approved before you go shopping.
OUR MATCH PLUS PROGRAM WILL BEAT
COMPETITORS’ AUTO LOAN RATES OR
YOU’LL GET $100.*
• New, used and refinances are eligible
money
Low rates and fast approvals mean hassle-free shopping for people on the move.
• No payments for 90 days
• Additional discounts for military, veterans, Warriors and retirees*
*See p. 29 for more information.
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everything you need for wherever you go
Shopping in Germany
V PAY Card and Visa® with Chip and PIN technology.
For shopping in Europe, Service Credit Union offers both the V PAY Card* and the Visa card with Chip
and PIN technology. Here is some additional information about both options.
money
V PAY CARD: THE GERMAN DEBIT CARD
Replacing major credit and debit cards, which are often rejected – Service Credit Union offers V PAY,
the European debit card. There are no direct deposit or allotment requirements. V PAY Card’s Chip
and PIN technology makes it the perfect card for people on the move.
• Transact purchases in Euro
• Never have your card refused*
• Preferred in Europe
• Chip and PIN technology protects you from fraud
Apply for your V PAY Card at any Service Credit Union branch
in Germany or online today!
VISA CARD WITH CHIP TECHNOLOGY
The Visa card with Chip and PIN technology may look and feel different, but it is a valid card that is
more widely accepted at any Visa merchant location which has an electronic terminal.
Service Credit Union is the first to instantly issue Visa cards or smart cards with chip technology
at a U.S. based financial institution in Germany. These smart cards offer greater security and are
capable of point of sale purchases and ATM usage for both credit and debit card transactions. Some
overseas merchants do not accept the chip-less cards which are popular in the United States. The
smart card technology provides with ultimate confidence about the card’s security and acceptance.
The Service Credit Union Visa debit and credit smart cards are also more difficult to copy, providing
enhanced security against lost, stolen and counterfeit card fraud.
For more information or questions about your Service Credit Union Visa card
with Chip and PIN technology, call 24/7 or visit any branch.
*See p. 29 for more information.
11
everything you need for wherever you go
Discounts with Direct Deposit
See the benefits of direct deposit with Service Credit Union.
Even with all of today’s time saving conveniences, life can still be pretty busy. But you can save time, and gas,
plus earn valuable benefits by using direct deposit! Join the thousands of members who already enjoy all the
benefits that direct deposit at Service Credit Union has to offer.
DISCOUNTED LOAN RATES
money
Military Direct Deposit
Get a 0.35% reduction taken on most consumer loans from the base interest rate for a military
direct deposit sent to Service Credit Union and the selection of the automatic loan
payment feature.
STAR Loan
A “STAR Loan” interest rate reduction of 0.50% may be granted to military OR civilian applicants
who qualify. To learn more about the STAR program, visit: servicecu.org/STAR.
Warrior Rewards
A “Warrior Rewards” interest rate reduction may be granted to qualified military members.
To learn more visit: servicecu.org/WarriorRewards.
Veterans Loan
Get a 0.35% reduction taken on most consumer loans. To learn more about the Veterans
Program visit servicecu.org/veterans.
MILITARY MEMBERS WITH DIRECT DEPOSIT CAN ALSO ENJOY:
FREE CHECKING - No minimum balance requirement
FREE G
et paid two days early *- Beat the line at the Commissary and receive
your pay up to 2 days early
FREEA
TMS AND INTERNATIONAL VISA FEES EVERYWHERE*When you maintain a positive balance in all your accounts
FREE SPECIAL RATE OFFERS - On share accounts
*See p. 29 for more information.
12
everything you need for wherever you go
Savings Certificate
Earn up to 1% APY Extra on Savings Certificates
money
One of the easiest ways to help build your savings is with a high-yielding certificate. Our
exclusive STAR, Warrior and Veterans Certificates pay military members among the
highest rates we offer. Plus you can make additional, unlimited deposits through the term
of the certificate so your dollars can grow even faster.
WARRIOR REWARDS CERTIFICATE*
• Exclusively for Warriors, earn an extra 1.00% on your savings certificate
STAR CERTIFICATE*
• Earn an additional 0.50% above our 1-year rate for a 6-month term
• Add to the certificate at any time
• No limit on the maximum you can contribute
VETERANS CERTIFICATE*
• Earn an additional 0.35% above our 1-year rate for a 6-month term
• No limit on the maximum you can contribute
*See p. 29 for more information.
13
everything you need for wherever you go
Cash While Relocating
If you need cash during relocation, our Military Relocation Loan can help.
At Service Credit Union, we honor your service in protecting our great
nation. We understand that you and your family may need to move many
times throughout your military life. We also know how difficult it is to wait
for your housing allowance. Our Military Relocation Loan* offers:
Our job at Service Credit Union is to make your move as simple and as
seamless for you as possible. That is why we have created a Relocation Kit
to help with your PCSing process from Germany to your next station. Print
these helpful documents from your home computer at servicecu.org/relo.
specials
It pays to be a Service Credit Union member!
money
• No loan payments for 3 months
• A great low rate
• PCS Checklist - For Adults
• PCS Checklist - For Kids
• Shared branching information card
• Step-by-Step: A Homebuyer’s Guide
To get the full kit, stop by one of our branches or give us a call 24 hours a
day at 800.936.7730 (U.S.) or 00800.4728.2000 (Int’l).
We are proud to support you and thank you for your loyal
membership. Remember, Service Credit Union moves with you.
*See p. 29 for more information.
14
everything you need for wherever you go
Checking Options
banking
STUDENT CHECKING*
Control your own financial future at Service Credit Union
with this no-fee account for students ages 13 and up.
• Free Debit card
• Free ATMs worldwide*
• Free mobile and online banking with bill pay and remote
check deposit
• Free financial counselor and tools
NO FEE CHECKING*
No checking fees ever.
• No maintenance or transaction fees
• Online banking
• Free debit card
Design your own debit card or choose from
one of our designs on-the-spot at any branch.
*See p. 29 for more information.
15
everything you need for wherever you go
Choose Service Credit Union As Your Financial Institution
Service Credit Union offers 24/7 Live Person Service and shared branching worldwide, making it easy
to enjoy the convenience of a ServicePlus Checking account with direct deposit.
Free International
Visa® Fees*
FREE ATMs and
ATM surcharge refunds
worldwide*
No service fee
regardless of balance
Online and OS branch
International Bill Pay
Get paid up to
two days early *
Free shared branching
worldwide
FREE instantly
issued credit and
debit cards
Remote check deposit *
regardless of
loan product
USAA
Community
Bank
Navy Federal
Wells Fargo
THE CLEAR ADVANTAGE
ServicePlus
Checking
Free
Checking
Interest-Bearing
Checking Account
Everyday
Checking
Everyday
Checking
Compare Service Credit Union
Checking with Direct Deposit










banking
Guaranteed Pay¹
Service
Credit Union
PLUS many more account features
FREE U.S. Dollar Bill Pay


FREE Mobile Banking *
FREE Online Banking
FREE Rewards Program

FREE ID Theft Protection
FREE Mobile App
FREE Live Chat 24/7


FREE Call Center Support 24/7



STAR Program*
Warrior Program*
Veterans Program*

*See p. 29 for more information.
16
everything you need for wherever you go
It’s Your Money – Feel Free To Use It
At Service Credit Union, you get no-fee, free checking with direct deposit. Plus enjoy loads of benefits – all FREE.
banking
FREEServicePlus Checking account with no minimum balance
or monthly fees*
FREE
No Fee Checking*
FREE
Get paid up to two days early*
FREE
ATM and International Visa® fees worldwide*
FREE
Online banking & bill pay
FREE
Remote check deposit*
FREE
24/7 Mobile banking with mobile apps*
FREE
Instantly issued Visa debit and credit cards at any branch*
FREEExclusive programs for moderate income earners,
seniors, youth, military and veterans
*See p. 29 for more information.
17
FREE
24/7 Live Person Service by phone and online chat
FREE
Member services at 5,000 shared branch locations worldwide
everything you need for wherever you go
Free ATMs and International Visa Fees
®
Around the corner or around the world.
THERE ARE ONLY TWO SIMPLE REQUIREMENTS TO
RECEIVE THIS BENEFIT FROM SERVICE CREDIT UNION:
banking
Whether you’re in Nepal, on a cruise ship in the Pacific or just a mile away from home,
Service Credit Union will refund all ATM and International Visa fees*. Service Credit Union
revised its ATM and ISA refund program, so more members can take advantage of refunds
for ATM surcharges and International Visa fees. The program is available to members with
ServicePlus Checking or Service Checking.
1. M
aintain direct deposit of entire net pay into a Service Credit Union
checking account.
2. K
eep a positive balance in all Service Credit Union accounts each day
of the month.
ATM surcharges from other financial institutions are refunded up to $20 a month, and
International Visa fees on debit and credit cards combined are also rebated up to $20
monthly. In addition, the number of free withdrawals from non-Service Credit Union ATMs is
now 20 per month.
Service Credit Union applies rebates automatically. This means no paperwork and no hassle
for our members. Plus, all Service Credit Union ATMs are always free to members.
Visit servicecu.org/freeATMs to learn more.
*See p. 29 for more information.
18
everything you need for wherever you go
Mobilize Your Banking
banking
Service Credit Union’s free mobile banking puts 24/7 banking in the palm of your hand. Available to all
online banking members, there is no need to sign up for these services, just use your existing online
banking login information.* The highest levels of internet security are employed, plus we use multifactor
authentication to confirm members’ identities.
DOWNLOAD OUR FREE APP!
• Easily access your accounts from your iPhone,® iPad,® Android™ phone or tablet
• Check your balances, history, transfer funds, pay international bills or other people
• Find nearby ATM and branch locations
• Deposit checks anywhere, anytime*
• It’s safe, convenient, fast and free
TOUCH ID™
• No need to type in a password - your fingerprint is all you need
• No extra set up - our app works with the Touch ID you already set up on your iPhone 5s,®
iPhone 6® or iPhone6 Plus.®
• No need to worry about stolen passwords.
APPLE PAY™
• Pay with a simple touch
• Works with Service Credit Union debit or credit card
• Available on iPhone 6
• Allows for easy and secure transactions
Scan the hot spots to
download our FREE apps
Android™
*See p. 29 for more information.
19
iPhone®
everything you need for wherever you go
Instantly Issued Debit/Credit Cards
Express yourself today!
INSTANTLY ISSUED CARDS:
Get your Visa® credit or debit card today! Service Credit Union is the first to instantly issue Visa
cards or smart cards with Chip and PIN technology at a U.S. based financial institution in Germany.
The smart card technology provides card holders with ultimate confidence about the card’s security
and acceptance. The Service Credit Union Visa debit and credit smart cards are also more difficult to
copy, providing enhanced security against lost, stolen and counterfeit card fraud.
banking
These smart cards are capable of point of sale purchases and ATM usage for both credit and debit
card transactions. These cards offer greater security and are more widely accepted. Some overseas
merchants do not accept the chip-less cards which are popular in the United States.
There’s no waiting and you can pick from several designs.
CREATE YOUR MYCARDDESIGN CARD WITH:
A child’s school photo.
A family portrait.
A favorite pet.
Now, all of these images can be on your Visa credit or debit card with Service Credit Union’s
MyCardDesign program.
This new feature allows Service Credit Union card holders to upload a personal photo quickly and
easily. Card holders can also select a photograph from Service Credit Union’s library of images.
MyCardDesign program is now available to all Service Credit Union members who are Visa credit or
debit card holders. Service Credit Union’s MyCardDesign card is only $9.95.
Members just need to visit servicecu.org/mycarddesign and start the easy process of creating their
own card.
It’s simple and easy, and within four weeks, you’ll have your new card.
*See p. 29 for more information.
20
everything you need for wherever you go
Kids Accounts & Financial Education
Special programs designed to educate kids and young adults about financial responsibility.
At Service Credit Union, educating kids and teens about finances is one of our most important jobs.
banking
Our Smart Savers programs are designed to provide a fun, friendly and educational environment for
children, teenagers and young adults to learn about financial responsibility and how credit unions can help
them plan for their future.
Service Credit Union offers a Smart Savers Program to kids of all ages:
• Money Mammals – award winning program for kids 11 and under. The
Money Mammals teach kids and families to share, save and spend smart too.
Free gifts with deposit!
• cha-ching! – for kids ages 12 to 16. Features interactive website with blogs,
games, money tools and money talk with fun articles to read.
Free gifts with deposit!
• brass – award winning program for teens ages 17 and up produced by young
writers, photographers, graphic designers and web managers. With a mission to
make money interesting, brass offers content ranging from hip-hop entrepreneurs
and planning for college, to setting up an IRA.
copies of brass|MAGAZINE, access to brass website,
RSS Feeds and free gift for signing up
Each program features a youth savings account, an ATM card for deposits and withdrawals and free online
banking. Smart Savers is about more than just saving. It’s about learning how to manage and grow your
money, and of course it’s about having fun! Sign up at any Service Credit Union branch. All you need is the
social security number of the youth opening the account and $5.
To learn more about these special accounts for kids, visit: servicecu.org/smartsavers
*See p. 29 for more information.
21
everything you need for wherever you go
RewardsNOW
Reward Yourself. You’ve Earned It!
Service Credit Union’s innovative and unique rewards program called
RewardsNOW™ lets members earn points when they use their
Platinum credit cards.
Members can redeem their points for free travel, gift cards,
merchandise and much more. Get your rewards now.
Gift cards, travel, electronics, home decor and more. Browse
through our site at servicecu.org/rewardsnow to find the rewards
that are right for you.
banking
YOU CHOOSE HOW TO USE YOUR POINTS:
*See p. 29 for more information.
22
everything you need for wherever you go
Get Paid Up To Two Days Early
banking
Access your paycheck before everyone else and don’t wait in line at the Commissary.
Having direct deposit of net pay with Service Credit Union has just paid
off! With direct deposit, you now have access to your money up to two
days before everyone else*. Many companies and government agencies
send your pay electronically before your normal payday. Other financial
institutions hold your money, not Service Credit Union. If you have direct
deposit of your net pay with us and we receive your pay early, we will
make it available to you!
It pays to have your account with Service Credit Union. All you have to
do to take advantage is sign up for direct deposit of your net income into
your Service Credit Union checking account.
Don’t wait in long lines! Get paid up to two days early, get to the
Commissary before the crowds and start the weekend early!
*See p. 29 for more information.
23
everything you need for wherever you go
Programs Exclusively for Military
FOR OUR MILITARY MEMBERS
specials
Service Credit Union has special programs exclusively
for you, our military members. Whether you qualify for
our STAR Program, Warrior Rewards Program or our
Veterans Program we recognize the commitment and
sacrifices made by you and your family, and offer special,
low loan rates and higher savings and certificate rates.
24
everything you need for wherever you go
Honoring Your Commitment
Exclusively for military.
WARRIOR PROGRAM
specials
Service Credit Union has designed a Warrior Rewards program exclusively for you, our Warriors.*
• No Fee Checking
• Receive your direct deposit up to two days early
• 10% APY Warrior Savings Program
• Certificates - Premium rates above the current one-year rate for six-month term
• Loans - Discount rates on most most consumer loans
Visit: servicecu.org/warriorrewards to learn more about our Warrior Rewards Program.
STAR PROGRAM
The STAR Program is a collection of unique services made available to moderate-income members.*
• Service & ServicePlus Checking
• Receive your direct deposit up to two days early
• Savings - Premium rates on current savings
• Certificates - Premium rates above the current one-year rate for six-month term
• Loans - Discount rates on most consumer loans
Visit: servicecu.org/STAR to learn more about our STAR Program.
VETERANS PROGRAM
The Veterans Program is a special program for our veteran members who have served in the military.*
• Affinity Credit Card with 2% of any interest paid donated to select veteran’s charities
• Loans - Discount rates on most consumer loans
• Savings - Premium rates on current savings
• Certificates - Premium rates above the current one-year rate for six-month term
Visit: servicecu.org/Veterans to learn more about our Veterans Program.
*See p. 29 for more information.
25
e v eevr eyrtyhti hni g
u unn
e e ed d f foorr w
go
o
n gy o
yo
whheerreevv ee rr y o u g
Warrior Savings Account*
Our mission is the best rate for you.
While you’re defending our great nation, Service Credit Union
helps to build a financial safety net for you and your family. Military
members serving in a combat zone can now earn 10% APY* on savings
while deployed.
• Active duty military, Reserve and Guard members eligible
• Must be deployed in a combat zone defined by Service Credit Union
• Direct deposit and E-statements required
specials
• Orders of deployment must be provided
• Ongoing deposits must be made. Qualifying deposits made from a
member’s monthly or bi-monthly military pay through direct deposit
or an allotment or through transfer of funds from a
Service Credit Union account
• Transfers of lump sums from other sources and funds already on deposit
with Service Credit Union do not qualify for this program
• Dividends will accrue on total deposits up through $10,000. Total
account deposits in excess of $10,000 will not earn a dividend
• If this is your first account, you will also be asked for your photo ID
and a copy of your pay statement
Get all the rewards you deserve. Open a Warrior Savings
Account at any branch or call 24/7.
*See p. 29 for more information.
26
everything you need for wherever you go
Guaranteed Pay
This FREE service ensures there will be funds available to you if you don’t get paid.
TO START, SIMPLY SIGN UP IN PERSON OR ONLINE
IF YOU MEET THESE ELIGIBILITY REQUIREMENTS:
• Participants must be on active duty, or retired from, any branch of the U.S. Military, the Guard or
Reserve component, or a Government Service (GS) employee
• Must have direct deposit of net employment earnings from Defense Finance and Accounting Service
specials
(DFAS) into a Service Credit Union checking account in each of the previous three months
• Must be enrolled in the Service Credit Union Courtesy Pay program. Courtesy Pay is an overdraft
protection service on Service Credit Union checking accounts. Guaranteed Pay increases your
Courtesy Pay limit from $1,000 to $2,000 with direct deposit, based on your available balance
TO ACTIVATE GUARANTEED PAY:
• Be enrolled for 90 days prior to accessing Guaranteed Pay
• Contact Service Credit Union (in person, via telephone, e-mail from a registered military address,
or by secure chat) prior to the next scheduled deposit to activate, if you are enrolled and you fail to
receive your usual payroll direct deposit from DFAS
GUARANTEED PAY LIMITS:
• Service Credit Union will only provide Guaranteed Pay for one missed DFAS payroll
direct deposit
• Further extension of Guaranteed Pay requires the member to receive DFAS payroll direct deposit
of their net employment earnings for 90 days following the last Guaranteed Pay use, and qualify for
Courtesy Pay
• Member must agree to repay any outstanding balance after 33 days
• All Courtesy Pay fees on the first $1,000 will be waived for up to 33 days
• During a government shutdown direct deposits are automatically credited
For more information, please refer to servicecu.org/guaranteedpay.
*See p. 29 for more information.
27
everything you need for wherever you go
Military Loan Discounts
Only Service Credit Union discounts loans for military, Warriors and moderate-income earners.
Receive additional discounts off most of our consumer loans. Available on auto and personal loans, credit
cards and more. Up to 100% financing on new and used auto loans at great low rates. This all translates
into more money for you and your family!
MILITARY DIRECT DEPOSIT
Extra 0.35% discount taken on most consumer loans from the base interest rate for a military direct
deposit sent to Service Credit Union and the selection of the automatic loan payment feature.
The STAR Program is a collection of unique services available to our moderate-income members.*
• 0.50% rate discount taken off most of our consumer loans
• Direct deposit sent to Service Credit Union and the selection of the
specials
STAR LOAN
automatic loan payment feature required
• Learn more at: servicecu.org/STAR
WARRIOR LOANS
Service Credit Union has designed a program just for you, our Warriors.* The program recognizes the
commitment and sacrifices made by you and your family and offers you special low loan rates.
• 1.00% below our standard auto and unsecured loan rates
• Direct deposit sent to Service Credit Union and the selection of the
automatic loan payment feature required
• Learn more at servicecu.org/warriorrewards
VETERANS LOANS
• Receive an additional .35% discount off most of our consumer loans.
• Available on select loans, credit cards and more
• Up to 100% financing on new and used auto loans at great low rates
RELOCATION LOANS
If you need cash during relocation, we can help. Our Military Relocation Loan*
offers no loan payments for 3 months and a great rate.
*See p. 29 for more information.
28
everything you need for wherever you go
Program and Disclosure Information
VPAY
Interchange fees will apply. Funds must be available in account. Must be
a member of Service Credit Union or eligible for membership to order
a V PAY card. V PAY is a registered trademark of the Visa International
Service Association.
GET PAID UP TO TWO DAYS EARLY
Must maintain direct deposit of entire net pay into a Service Credit Union
checking account to qualify. Immediate credit of your direct deposit to
your Service Credit Union checking account up to two (2) days early is
based upon when we receive your payroll from your employer. Service
Credit Union cannot assume any liability for not depositing these funds to
your account early.
FREE ATMS AND INTERNATIONAL VISA FEES
The number of free withdrawals from non-Service Credit Union ATMs
is 20 monthly. ATM surcharges from other financial institutions will be
refunded up to $20 a month and Visa International Service Assessment
(ISA) fees on debit and credit cards combined will be rebated up to $20
monthly. Eligibility requirements are direct deposit of entire net pay
into a Service Credit Union checking account and maintaining a positive
balance in all your SCU accounts. Refunds will be applied to account on
first business day of the following monthly cycle that the rebate eligibility
requirements were met. The rebate benefit is only available for SCU
checking account holders. Excludes No Fee Checking.
WARRIOR PROGRAM
Warriors are defined as members who are assigned to or who have
returned in the past 120 days from peacekeeping operations, hostile
environments, or combat/war zone areas where our troops are in
imminent danger of enemy attack (PCS does not qualify) or service
members decorated with the Purple Heart, Bronze Star, or a higher
combat-related award and military members currently on active, Reserve,
and Guard duty. Warrior Rewards benefits are extended indefinitely
to active, Reserve and Guard duty as well as retired military and DOD
Civilians, both with 20 or more years of service. Direct deposit of entire
net pay must be maintained (NOT ALLOTMENT). See servicecu.org/
warriorrewards for rate discounts. Must be a member of Service Credit
Union.
STAR CERTIFICATE
Minimum of $250 deposit and penalty for early withdrawal on STAR
certificate. Savings APY shown is based on $2,500 balance level; 1.50% on
balances below $2,500.
MILITARY RELOCATION LOAN
Maximum term is 36 months. Maximum loan amount equals $2,500.
Loan applications must be received within 120 days before or after the
member’s reporting date to new assignment. Direct deposit of net pay to
Service Credit Union is required. Military and civilian personnel with PCS
orders or deployment orders to any overseas duty stations are eligible.
STUDENT CHECKING ACCOUNT
Student Checking Account available for those age 13-25 years. Parent/
legal guardian must be joint on all accounts for students under age 18.
NO FEE CHECKING
See servicecu.org for details. Some member selected service fees may apply.
MOBILE BANKING
Must be a member of Service Credit Union for 30 days and enrolled in Online
Banking and WebDeposit24.
29
GUARANTEED PAY
Qualified military or government workers with direct deposit of their net
employment earnings from the Defense Finance and Accounting Service
(DFAS) into a Service Credit Union checking account in each of the previous
three months, and are currently enrolled in Courtesy Pay, are eligible to enroll
in Guaranteed Pay. Service Credit Union will extend the regular available
Courtesy Pay from $1,000 to $2,000 for Guaranteed Pay, at the end of a 90
day enrollment period, which must be repaid in full within 33 days of activation.
Please refer to servicecu.org/guaranteed pay for more information.
STAR PROGRAM
Specific income requirements are necessary to qualify. See servicecu.
org/STAR for details and rate discounts. Individual must be a member of
Service Credit Union or eligible for membership to apply. Direct deposit
of entire net pay must be maintained (NOT ALLOTMENT) and selection
of the automatic loan payment feature.
GET PAID TWO DAYS EARLY
Must maintain direct deposit of entire net pay into a Service Credit Union
checking account to qualify. Immediate credit of your direct deposit to your
Service Checking account up to two (2) days early is based upon when we
receive your payroll from your employer. Service Credit Union cannot assume
any liability for not depositing these funds to your account early.
WARRIOR SAVINGS
Active duty military, Reserve and Guard members deployed in combat
zones may deposit all or part of their pay up to maximum of $10,000 into a
Service Credit Union Warrior Savings Deposit Program Account (WSDP)
to earn the Warrior Savings rate. Service member must be serving in a
combat zone as defined by Service Credit Union. Orders of deployment to
a combat zone must be provided. The Warrior Savings account is part of
Service Credit Union’s Warrior Rewards Program. No minimum is required to
earn dividends, $5.00 must be deposited to open the account. Direct deposit
of entire net pay is required. Qualifying deposits include direct deposit or an
allotment, or the transfer of funds from a Service Credit Union account. Such
transfers must not exceed net military pay deposited with Service Credit Union
within that month. Transfers of lump sums from other sources and funds
already on deposit with Service Credit Union do not qualify for this program.
Receipt of E-statements is required. Account will stop accruing dividends per
redeployment orders plus 120 days.
VETERANS
Must have served in the military and maintain direct deposit of your net
pay (NOT ALLOTMENT) into a Service Credit Union checking or savings
account. See servicecu.org/veterans for details.
APY equals Annual Percentage Yield. Effective 1/15/15. Subject to change
without notice. Must be a member of Service Credit Union or eligible for
membership to open certificates.
Visa is a registered trademark of the Visa International Service Association.
Money Mammals is a registered trademark of Snigglezoo Entertainment. chaching! is a registered service mark of Marketing Partners.
RewardsNOW is a registered trademark of RewardsNOW, Inc.
iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other
countries. Apple Pay and Touch ID are trademarks of Apple Inc.
everything you need for wherever you go
NOTES:
everything you need for wherever you go
NOTES:
specials
banking
money
home
Welcome
to Germany!
Live Person Service 24/7 • 00800.4728.2000 • servicecu.org
FM 18-20w Rev. 7.15
SERVICE CREDIT UNION HAS EVERYTHING YOU NEED FOR WHEREVER YOU GO
federally insured by ncua
BUSINESS
CARD PUNCH
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