account information - Credit Union of Southern California

Transcription

welcome
Newport Beach City Employees Federal Credit Union
TRANSITION GUIDE
W H AT ’ S I N S I D E ?
Important information about your credit union accounts.
Please review carefully and retain for your records.
PA G E 1
CUSoCal.org
562.698.8326 • Toll-free 866 CU SoCal (866.287.6225)
PAGE 2
2
3
QUICK REFERENCE GUIDE
Important Dates & Information, Account Conversion Chart 4
AN EASY TRANSITION
What Will Not Change, What May Change, and What Will Change 5
ACCOUNT INFORMATION
Membership, Dividends, Statements, and Regular Share (Savings) Accounts Overdraft Protection and Standard Overdraft Protection (CU SoCal Courtesy Pay) Checking Accounts, ATM and Visa® Debit Cards Money Market Accounts, Certificates, and IRAs Credit Cards Loans 6
7
8-9
10-11
12-13
14-15
ELECTRONIC SERVICES
Direct Deposits and Automatic Payments, Home Banking and Bill Pay Mobile Banking and eStatements Home Banking Set-Up: A Step-By-Step Guide 16-17
18
19-21
WE’RE HERE FOR YOU
Website and Phone Numbers Branch Locations and Hours 22
23
ADDITIONAL BENEFITS
Auto Buying, Financial Education, Protection Plans, Real Estate Rewards, and Value+ Package Commitment to Our Communities 24
25
SAFE. SOUND. INSURED.
Privacy Policy Federal Insurance Guarantee Courtesy Pay Information Overdraft Protection Opt-In Form 26
27
28
29
MEMBERSHIP
Invitation Application 30
31-32
TIP: Read pages 4-5 first. They contain an overview of important information you’ll want to know.
PA G E 1
CUSoCal.org
to Credit Union of Southern California
WELCOME TO CREDIT UNION OF SOUTHERN CALIFORNIA
Mission, Vision, Values Welcome from the President WELCOME
Table of Contents
MISSION
Build Better Lives Through World-Class Service and Convenience.
VISION
Exceed Members’ and employees’ expectations, making CU SoCal
a significant financial competitor in Southern California.
VALUES
Everybody counts, everybody cares, everybody delivers, every day.
PAGE 2
On behalf of the entire team, welcome to Credit Union of Southern California (CU SoCal)! We look forward
to serving you and your family starting September 1, 2015.
Newport Beach City Employees Federal Credit Union (NBCEFCU) and CU SoCal share a long history of
making a positive difference for Members. Through our partnership, we’re honored to continue that legacy
to bring you and your family the best value for your Membership. As a Member-Owner of CU SoCal, you’ll
enjoy the same high-quality service you’ve experienced at NBCEFCU as well as additional benefits such as
more branch locations, extended hours, expanded services, and greater access to new technologies.
As with NBCEFCU, Members are our number one focus. Maintaining the highest possible level of service
during this period of positive change is our utmost priority. Our teams are working diligently to make our
partnership process as seamless as possible for you. Together, we enthusiastically look forward to the
opportunity to serve all of your financial needs as a combined organization with the exceptional service
you’ve come to expect and deserve.
This Transition Guide has been created to help you make a smooth conversion to CU SoCal. Please
carefully review its contents. In addition to letting you know how your accounts will convert, it includes
information about new products and services available to you as a valuable Member of CU SoCal.
Again, welcome! Thank you for your support and for the privilege of continuing to serve your financial
needs. If you have any questions as we move forward with the integration of our two credit unions or what
this partnership means for you, please don’t hesitate to call us toll free at 866 CU SoCal (866.287.6225).
Sincerely,
Dave Gunderson
President/CEO
PA G E 3
CUSoCal.org
WELCOME to Credit Union of Southern California
Welcome to Credit Union of Southern California
QUICK REFERENCE GUIDE
Important Dates & Information
August 25, 2015
• NBCEFCU Bill Pay will no longer be available. Payments
scheduled to be made from August 25 through August
31, 2015, will be held and paid on September 1, 2015.
One-time and recurring payments scheduled on or after
September 1, 2015, will be paid without interruption.
(See page 18 for additional information.)
August 31, 2015
• NBCEFCU Online Banking will no longer be available
after 3 p.m. PST on this date. (See page 18 for additional
information.)1
• Recurring payments scheduled with NBCEFCU ATM or
Visa® Debit Cards will not post after 3 p.m. PST on this
date. (See page 8 for additional information.)1
•NBCEFCU ATM and Visa® Debit Cards will no longer work
after this date.1 Your CU SoCal ATM and Visa® Debit Cards
and personal identification numbers (PIN) will be sent to you
before September 1, 2015, and may be used on September
1, 2015. (See page 8 for additional information.)
SEP 1
• Conduct business at CU SoCal branches as well as CO-OP
shared branches and ATMs using your new CU SoCal
Member number.
•Begin using your CU SoCal ATM and/or Visa® Debit Card.
•Enroll in CU SoCal’s free Home Banking. (See page 19 for
additional information.)
•Begin calling CU SoCal’s Telephone Service Center at
866 CU SoCal (866.287.6225) for Member service. This new
phone number replaces your former NBCEFCU phone number.
•Download CU SoCal’s free Mobile Banking app for Apple
or Android devices at m.CUSoCal.org.
•Update your electronic withdrawals and deposits (ACH
transactions) with CU SoCal’s routing and transit number
(322283796) and your new Member number. (See page
16 for additional information.) NBCEFCU checks and ACH
transactions will no longer clear effective March 1, 2016.
October 15, 2015
•NBCEFCU Checking Account users will receive a free box
of CU SoCal corporate-image checks by this date. (See page
8 for additional information.)
September 1, 2015
You are now a Member-Owner of CU SoCal, and your accounts
will automatically convert to a CU SoCal account type. You
may now:
1
March 1, 2016
•NBCEFCU checks and ACH transactions will no longer clear.
(See page 16 for additional information.)
Please note that availability is based on our current integration schedule. As the integration progresses, some services may be available earlier or later than noted.
SEPTEMBER 1, 2015 AUTOMATIC ACCOUNT CONVERSION CHART
Current Account (No action required)
New Account
SAVINGS ACCOUNTS—More information on page 6
Regular Share Savings
Special Share, Tax Share, Christmas Club, Loan Payment Reserves Sub-Share Savings
Traditional IRA Savings
IRA Share
CHECKING ACCOUNTS—More information on page 8
Regular Checking
Value Checking
PAGE 4
NBCEFCU and CU SoCal have worked together to combine the best of
our products and make your account transition as easy as possible for you.
What Will Not Change
Account Access
Insurance Products
•Your NBCEFCU branch will remain open with the same
service hours you enjoy today.
•You will continue to have free account access through
30,000 CO-OP ATMs—10,000 more ATMs than offered
by the largest bank.
The auto and homeowner insurance you purchased
through NBCEFCU will continue without changes.
Should a change become necessary at a later date,
we will personally notify those affected.
Great Service
There will be no changes to your loans and lines of credit
terms or rates. Your ability to take advances and make
automatic loan payments should continue uninterrupted.
Should a change become necessary at a later date, we will
personally notify those affected.
CU SoCal is committed to providing Members with WorldClass Service. You will continue to receive the same
dedicated and friendly Member service from CU SoCal
that you received from NBCEFCU.
Internal Account-to-Account and
Account-to-Loan Transfers
Loans and Lines of Credit
Share Insurance
Your scheduled NBCEFCU internal account-toaccount and/or account to loan transfers will continue
uninterrupted. Should a change become necessary at a
later date, we will personally notify those affected.
Your shares will continue to be protected by federal
deposit insurance provided through the National Credit
Union Share Insurance Fund (NCUSIF), a division of the
National Credit Union Administration and backed by the
full faith and credit of the United States Government.
What May Change
What Will Change
Overdraft Protection
Bill Pay History
Your current overdraft protection, which is “linked” to
your NBCEFCU Shares or NBCEFCU Overdraft Loan
will continue in the order you designated at this time.
In addition to this “linked” overdraft protection, you
may be eligible to receive additional coverage on your
checking account which would allow the payment, rather
than return, of non-sufficient fund transactions. We call
this type of non-linked overdraft protection CU SoCal
Courtesy Pay. (See page 28 for more information.)
You will not have access to your NBCEFCU Bill Pay history
through CU SoCal’s Home Banking platform. If you think
you will need to access your history, consider printing it
before August 25, 2015.
Scheduled Electronic Bill Payments
Electronic payments you have scheduled through
NBCEFCU Bill Pay will continue uninterrupted starting
September 1, 2015. However, payments scheduled to
be made from August 25 through August 31, 2015,
will be held and paid on September 1, 2015.
Change In Terms and Fee Schedule
Starting September 1, 2015, your credit union
Membership account terms and schedule of fees will
change. Earlier this month, you were mailed a packet of
information including a new Schedule of Fees and About
Your Credit Union Accounts brochure. We encourage you
to review these pieces and retain them for your records.
Debit Card Limit
Effective September 1, 2015, your credit union debit
card daily limit will be $2,500. Please note that you
may apply for a CU SoCal Visa® Credit Card to pay for
purchases that may exceed your daily debit card limit.
Membership Number
Your Membership number will change effective September
1, 2015.
PA G E 5
CUSoCal.org
AN EASY TRANSITION What Will Not Change, What May Change & What Will Change
AN EASY TRANSITION
ACCOUNT INFORMATION
Your Membership, Dividends, Statements,
and Regular Share (Savings) Accounts
IMPORTANT TO KNOW
Membership Number
Your Membership number will change. Your new CU SoCal Membership number
will be provided in a separate mailing.
Statements
Your statement schedule will remain as is.
SEPTEMBER 1, 2015 ACCOUNT CONVERSION CHART
Current Account New Account
Regular Share
Special, Tax, Loan Payment
Reserves Shares, Christmas Club
Traditional IRA Share
Sub-Savings Share
Sub-Savings Share
IRA Share
If you’d like to switch to a different account type, please let us know.
We’re happy to help you make the change.
FEATURES OF CU SOCAL SAVINGS ACCOUNTS
CU SoCal Regular Savings Account Features
• $10 minimum opening deposit
• $500 minimum to earn dividends if 21 years or older—otherwise, $1 minimum
CU SoCal Sub-Share Savings Account Features
• Open up to nine separate personalized accounts
• $5 minimum opening deposit
• $500 minimum to earn dividends if 21 years or older—otherwise, $1 minimum
PAGE 6
IMPORTANT TO KNOW
IMPORTANT TO DO
• Your current Overdraft Protection, which is “linked” to
your NBCEFCU Shares and NBCEFCU Overdraft Loan
will continue in the order you designated.
•CU SoCal offers Overdraft Protection on your checking
account, which is “linked” to and can pull funds from
your CU SoCal Savings,1 Money Market Account,1
and Unsecured Line of Credit.2 See page 28 for more
information.
•CU SoCal offers qualified Members extra financial
protection through our optional Standard Overdraft
Protection we call CU SoCal Courtesy Pay.3 Through
CU SoCal Courtesy Pay, we will pay, rather than return,
non-sufficient fund transactions on your accounts.
(See page 28 for more information.)
• Call us if you’d like more information about Overdraft
Protection or CU SoCal Courtesy Pay. We’re happy to help.
•Opt in to CU SoCal Courtesy Pay to cover your ATM and
everyday check card transactions by calling toll-free
866 CU SoCal (866.287.6225), completing the form
on page 29, or by logging into CU SoCal Home Banking
and clicking on “Check Services” and then “Courtesy Pay.”
PA G E 7
1
Regulation D limits the number of transactions on non-transaction accounts each
month.
2
Member must qualify for any new Line of Credit. Existing Lines of Credit will continue.
3
Standard Overdraft Protection (CU SoCal Courtesy Pay) is a non-contractual courtesy
which is available to qualified individuals and jointly-owned accounts in good standing
(see CU SoCal Courtesy Pay brochure at CUSoCal.org for further details). CU SoCal
Courtesy Pay limit is determined by your current account relationship with CU SoCal.
Accounts with direct deposit have a $1,750 limit. Accounts without direct deposits
have a $1,000 limit. Lower limits are available upon request. Unless the credit union
currently has your affirmative consent (opt in) on file, we will not pay your overdrafts for
ATM withdrawals and everyday debit card purchases at a store, online, or by telephone.
You must tell us you want overdraft coverage for these transactions.
CUSoCal.org
ACCOUNT INFORMATION Membership, Regular Savings & Overdraft Protection
Your Overdraft Protection and Standard Overdraft Protection
(CU SoCal Courtesy Pay)
ACCOUNT INFORMATION
Your Checking Accounts, ATM and Visa Debit Cards
®
IMPORTANT TO KNOW
Checking Accounts
• Your NBCEFCU checks will continue to clear through February
29, 2016.
• After our merger is complete, checking account users will be
mailed a free box of CU SoCal corporate-image checks. Your
new checks will be available for your use upon receipt. We
encourage you to begin using them immediately. If you do
not receive your checks by October 15, 2015, please call us
toll-free at 866 CU SoCal (866.287.6225).
• You may bring your NBCEFCU checks to any branch and we
will gladly shred them for you at no charge.
ATM and/or Visa® Debit Cards
• Shortly before September 1, 2015, you will receive a new
CU SoCal ATM and/or Visa® Debit Card that will replace your
NBCEFCU ATM and/or Visa® Debit Card.
• You will receive your new, randomly-selected CU SoCal
ATM and/or Visa® Debit Card PIN within a week after
receiving your card and before September 1, 2015. You may
personalize your PIN at any of our branches or ATMs after
September 1, 2015. Please be sure to bring your new
CU SoCal ATM and/or Visa® Debit Card, valid identification,
and existing PIN with you to change your PIN.
• Please continue to use your NBCEFCU ATM and/or Visa®
Debit Card until 3 p.m. on August 31, 2015. Begin using
your new CU SoCal ATM and/or Visa® Debit Card after 6 a.m.
on September 1, 2015.
• Effective September 1, 2015, your credit union debit card
daily limit will be $2,500.
•Recurring payments scheduled with NBCEFCU ATM or Visa®
Debit Cards will not post after 3 p.m. PST on August 31, 2015.
IMPORTANT TO DO
Checking Accounts
Begin using your new CU SoCal checks upon receipt.
ATM and/or Visa® Debit Cards
• Discontinue using your NBCEFCU cards after 3 p.m. on
August 31, 2015. Begin using your new CU SoCal cards
after 6 a.m. PST on September 1, 2015.
•Plan accordingly for the temporary period of time you will
not have use of your ATM or debit cards.
• If you had recurring payments with your NBCEFCU ATM
or Visa® Debit Card, update them with your new CU SoCal
ATM or Visa® Debit Card number.
SEPTEMBER 1, 2015 ACCOUNT CONVERSION CHART
Current Account
New Account
Regular Checking
Value Checking
If you’d like to switch to a different account type, please let us know.
We’re happy to help you make the change.
PLEASE NOTE
Your NBCEFCU cards will not work after 3 p.m. PST on August 31, 2015. You may begin using your new CU SoCal cards after
6 a.m. PST on September 1, 2015. Please note after 3 p.m. PST on August 31, your credit union debit card daily limit will
be $2,500.
PAGE 8
ACCOUNT INFORMATION Checking Accounts, ATM & Visa Debit Cards
FEATURES OF CU SOCAL CHECKING ACCOUNTS
E-Z Earn Checking1
•
•
•
•
•
•
•
•
•
•
•
•
Make 10 debit card purchase transactions each statement period and earn higher dividends
No monthly fee (even if less than 10 debit card transactions are made)
No minimum balance requirement
Initial minimum $100 deposit
FREE unlimited check writing
FREE Visa® Debit Card
FREE eServices including Online Bill Pay
FREE eStatements2
FREE Mobile Banking at m.CUSoCal.org
FREE Mobile Banking app including eDeposit
FREE unlimited transactions at CO-OP Network and CU SoCal owned ATMs
Overdraft Protection and CU SoCal Courtesy Pay options
Value Checking
•
•
•
•
•
•
•
•
•
•
No monthly fee
No minimum balance requirement
FREE eStatements2
Value+ Checking3
Earn competitive tiered dividends on balances of at least $5,000
$15,000 combined savings and loan balances required
Initial $5,000 minimum deposit to open account
No monthly fee, even if your balance falls below $15,000
FREE eStatements2
1
E-Z Earn Checking Accounts must have a minimum of 10 debit card transactions, or 10 point-of-sale (POS) transactions, or a combination of both, totaling 10 posted
during the monthly statement cycle to obtain the Annual Percentage Yield as stated on the Rate Schedule. If you do not meet the minimum qualifications, your account
will earn the minimum dividend rate as stated on the Rate Schedule.
2
A $2 paper statement fee may apply for Members who are between 18 and 63 years old. The fee will be waived for Members who are 17 years of age and younger or are
64 years of age and better, or have signed up for eStatements by the last day of the month during the statement period.
3
See page 24 for Value+ qualifications and benefits.
PA G E 9
®
•
•
•
•
•
•
•
•
•
•
•
•
CUSoCal.org
CUSoCal.org
FEB 1
ACCOUNT INFORMATION
Convenient Account Access
IMPORTANT TO KNOW
As a Member-Owner of CU SoCal, you will gain more options for convenient account access.
Members now have access to the CO-OP Shared Branch Network. This is the credit union industry’s national
network for extending branch services to Members between participating credit unions. Members may enter the
branch of any other participating credit union and transact account-related business as if they were in their own
home branch.
The CO-OP Shared Branch Network has surpassed Bank of America in the number of branch offices, and is
the nation’s third largest network of financial institution branches. In addition to more than 5,300 “live teller”
branches, the CO-OP Shared Branch Network also includes nearly 1,800 self-service kiosks within select 7-Eleven
stores nationwide.
As a Member of CU SoCal, you will also continue to have access to 30,000 free CO-OP ATMs.
Please look for these logos.
PAGE 10
Access Certificates
• Term of 6 months
• Unlimited deposits and penalty-free withdrawals (transaction limitations per Regulation D)
• Minimum $15,000 balance required
CUSoCal.org
Certificates
• Terms from 1 to 60 months
• Rate bonus available to Value+ Members
• Dividends paid monthly
CUSoCal.org
FEB 1
Holiday Saver Account
• Earns higher dividends than a traditional savings account
• $10 to open and $10
minimum
monthly electronic deposit
FEB
1
• Penalty-free withdrawals from November through September1
IRA Certificate Types—Coverdell Educational, Roth, Traditional
• $25 minimum deposit to open
IRA Saving Account Types—Coverdell Educational, Roth, Traditional
• $5 minimum deposit to open
Money Market Account
•
•
•
•
Earn higher (tiered) dividends than with a traditional savings account
$2,500 to open and $2,500 daily balance to earn competitive dividends
No monthly fees
Transaction limitation per Regulation D
Summer Saver Account
• Earns higher dividends than a traditional savings account
• $50 to open and $50 minimum monthly electronic deposit
• Penalty-free withdrawals from June through September2
1
$25 fee for withdrawals from March through October for Value Members (Members with combined savings and loan amounts less than $15,000).
2
$25 fee for withdrawals from October through May for Value Members (Members with combined savings and loan amounts less than $15,000).
PA G E 1 1
CUSoCal.org
ACCOUNT INFORMATION Money Market Accounts, Certificates & IRAs
FEATURES OF CU SOCAL CERTIFICATES, SPECIAL SAVINGS ACCOUNTS & IRAS
ACCOUNT INFORMATION
Your Credit Cards
IMPORTANT TO KNOW
• CU SoCal’s credit card program received the highest possible rating from Credit Card Connection for being
one of the most fair and ethical programs in the nation and is “consumer advocate approved” by NerdWallet.
• Members may transfer balances from other financial institutions free of charge (no balance transfer fee) to a CU SoCal Visa®
Credit Card at an introductory rate of 2.99% APR for 12 months.1
®
1
APR=Annual Percentage Rate. Offer valid only on non-CU SoCal balance transfers and does not apply to purchases. Members must credit qualify. Maximum total transfer amount is limited to your
approved credit line. Offer can expire at any time without notice. Balance transfers within the promotional period will be at 2.99% fixed intro APR for 12 months with a corresponding monthly
periodic rate of .249% from the date they are posted to the account. After that, the rate will change to a non-variable rate as low as 10.90% APR. We may end your introductory APR if your
account is delinquent 60 days or more. Promotion rate applies to Visa® Platinum and Classic Cards. Cash rebate program does not apply to balance transfers or cash advances.
PAGE 12
ACCOUNT INFORMATION Credit Cards
FEATURES OF CU SOCAL CREDIT CARDS
Visa®—Classic
•
•
•
•
•
•
•
•
Non-variable Annual Percentage Rate (APR)
No annual fee
No fee balance transfers
2.99% APR fixed intro rate on balance transfers1
No fee cash advances
Auto rental insurance and roadside dispatch
Personalized dispute assistance
25-day grace period on non-revolving balances
Visa®—Platinum
• 1% annual cash rebate program—paid on your anniversary date on accumulated purchases
of more than $1,500, excluding balance transfers and cash advances
• Non-variable APR
• No annual fee
• No fee balance transfers
• 2.99% APR fixed intro rate on balance transfers1
•
•
•
•
•
•
$500,000 travel accident insurance
Emergency travel services
Share-Secured Visa® Credit Card2
•
•
•
•
•
•
•
1
Credit limit up to 95% of your share-secured balance
Non-variable APR
No annual fee
Offer valid only on non-CU SoCal and non-NBCEFCU balance transfers and does not apply to purchases. Members must credit qualify. Maximum total transfer amount
is limited to your approved credit line. Offer can expire at any time without notice. Balance transfers within the promotional period will be at 2.99% fixed intro APR for
12 months with a corresponding monthly periodic rate of .249% from the date they are posted to the account. After that, the rate will change to a non-variable rate as
low as 10.90 APR. We may end your introductory APR if your account is delinquent 60 days or more. Promotion rate applies to Visa® Platinum and Classic Cards. Cash
rebate program does not apply to balance transfers or cash advances.
2
Pledge of Shares: In order to secure your obligations, you must keep on deposit the required amount in your regular share accounts until you repay your loan or your
account is converted from a “Share-Secured Visa.” If you default, we may apply these shares to pay the balance.
PA G E 1 3
CUSoCal.org
ACCOUNT INFORMATION
Your Loans
CU
IMPORTANT TO KNOW
Personal and Home Loans
Your NBCEFCU loans will automatically transfer to CU SoCal at the same rate and terms you now enjoy. Your internal automatic
loan payments will continue uninterrupted. Should a change become necessary at a later date, we will personally notify those
affected.
FEB 1
Auto, RV, Trailer, ATV, Boat, and Jet Ski Loans
Your NBCEFCU loans will automatically transfer to CU SoCal at the same rate and terms you now enjoy. Your internal automatic
loan payments will continue uninterrupted.
PAGE 14
Commercial Lending
Mortgage Loans
•Loan amounts up to $8,000,000
•Loan terms 5- to 15-year fixed- and adjustable-rate
programs with amortization up to 30 years, no points,
no seasoning requirements
•Eligible investment properties: single-family residences,
duplexes, triplexes, fourplexes, apartment buildings
• 10-, 15-, 20-, or 30-year terms
•Adjustable- and fixed-rate financing
•No Cost, No Kidding Refinance Loan5
•3% down payment option6
•Cash-back real estate reward program
•Jumbo financing available
•Flat $995 lender fee on most loans
•2nd Chance Mortgages
Home Equity Line of Credit (HELOC)
•Interest-only payments for the first 10 years
•2.95% APR1 for the first 12 months
•No points, no up-front costs2
• HELOC-75 ($250,000 limit), HELOC-80 ($150,000
limit), HELOC-90 ($100,000 limit)
•A fully indexed rate of Prime plus 0.00%3 on our
HELOC-80
Home Equity Loan
•Available for up to 80% of your home’s combined loanto-value (CLTV) ratio from $10,000 to $150,000; 75%
CLTV up to $250,0004
•Affordable terms up to 25 years
•Vacation home programs available
•Properties with construction work in progress may not
be eligible
Line of Credit, Personal
•Revolving, unsecured
•Use as overdraft protection for your CU SoCal Checking
•Credit limit up to $25,000 ($25,000 maximum
unsecured aggregate)
•Access via ATM, Home Banking, mail, in person,
or phone
•No prepayment or application fee
Share-Secured, Personal
•Loan amounts up to 95% of the available share balance
•Terms up to 120 months
Signature Loan, Personal
•Fixed-rate, unsecured
• Loans ranging from $500 to $25,000 ($25,000
maximum unsecured aggregate)
•Terms up to 60 months
Vehicle Loans
•Up to 100% fixed-rate financing on new autos with
terms up to 84 months and used autos with terms up to
72 months
•Up to 80% fixed-rate financing on new boats and trailers
with terms up to 120 months
•Up to 80% fixed-rate financing on new or used RVs,
motorcycles and motor homes, with extended terms
available
•Classic car loans available
1
APR=Annual Percentage Rate. Rate is subject to change without notice, and adjusts quarterly after the first 12 months.
2
Member does NOT pay lender costs. Early closure cost reimbursement—if the HELOC is closed within 36 months of the open date, the Member will reimburse CU SoCal all closing
costs up to $400. Acceptable properties include single family, condominium, and two-, three-, or four-unit properties (as long as one unit is occupied by Member).
3
The rate is tied to the Prime Rate Index. Rates may adjust quarterly with a minimum floor rate of 4.5% and a maximum rate of 16%.
4
Estimated payment per $1,000 borrowed is $8.34.
5
For qualifying refinance transactions. Under this program, a lender’s credit is disclosed on the Good Faith Estimate to offset origination and third-party fees. Eligible loan amounts
from $200,000 to $417,000 on owner-occupied properties only. Maximum Loan to Value (LTV) up to 80% of the combined loan value for rate and term refinance. Must have a
minimum credit score of 740. Owner-occupied primary residence only.
6
Maximum LTV up to 97%.
CU SoCal is an equal housing lender. Members must credit qualify.
NMLS#454788
PA G E 1 5
CUSoCal.org
ACCOUNT INFORMATION Loans
FEATURES OF CU SOCAL LOANS
ELECTRONIC SERVICES
Your Direct Deposits and Automatic Payments
IMPORTANT TO KNOW
Payroll, Government, or Other Recurring
Direct Deposits
•Your payroll, government, or other recurring direct deposits
will continue without interruption at this time. However,
you will be required to update your credit union account
numbers and routing and transit number after September 1,
2015, and before March 1, 2016.
•Beginning March 1, 2016, deposits made using your
NBCEFCU information will no longer post.
Automatic Payments
•Your automatic payments will continue without changes
at this time. However, you will be required to contact your
payees to update your credit union account number and
routing and transit number on or after September 1, 2015,
and before March 1, 2016.
•Beginning March 1, 2016, payments made using your
NBCEFCU information will no longer clear.
Social Security Automatic Payments
Routing and Transit Number
CU SoCal’s routing and transit number is 322283796.
Internal Account-to-Account and/or
Account-to-Loan Transfers
Your scheduled NBCEFCU internal account-to-account and/or
account-to-loan transfers will continue uninterrupted. Should
a change become necessary at a later date, we will personally
notify those affected.
If you receive automatic payments from Social Security,
on or after September 1, 2015, contact their office at
1.800.772.1213 to update your account information. If you
would like assistance, please call us. We’re happy to help.
Setting Up New Direct Deposits
or Electronic Payments
Please be sure to use the following numbers when signing up
for any electronic deposits or withdrawals from your accounts:
Routing and Transit Number: 322283796
Account Number: (you will receive before 9/1/15)
IMPORTANT TO DO
Provide your new CU SoCal account and routing and transit numbers to all electronic deposit originators and/or all organizations
with whom you make automatic payments.
PAGE 16
Apple Pay™
Use your CU SoCal credit and debit cards with Apple
Pay, an easy, secure, and private way to pay using your
qualified Apple device.
ATMs
More FREE ATMs than the largest banking network.
To find an ATM:
• Visit CUSoCal.org
• Call toll-free 866 CU SoCal (866.287.6225)
• Text your location from your smartphone to MYCOOP
(692667)
• Download the ATM database to a GPS device at
co-opnetwork.org
• Set up new payees quickly and easily by choosing from
hundreds of pre-set merchants or by setting up your own
payees
• Safely and securely pay bills with one-time, recurring,
or periodic payments
• View billing history
eStatements
•
•
•
•
FREE eStatements and email notifications
View your statements as early as the first of each month
Print your statements any time
Access archived statements instantly (no time restriction
on archived CU SoCal statements)
Mobile Banking
Home Banking
•
•
•
•
•
•
•
•
FREE Home Banking (CU OnLine )
View balances, account history, and check images
Set up various budgets and chart your spending
Find specific transactions by using key words
Transfer between any deposit and most loan accounts
Request withdrawals and loan advances
Create custom email or text account alerts
Securely transfer funds to and from CU SoCal and other
financial institutions
™
FEB 1
• FREE access to your CU SoCal accounts
from your smartphone 24/7
• Download CU SoCal’s Mobile Banking app at CUSoCal.org
• Deposit checks using your Apple or Android device with
Mobile eDeposit (Remote Deposit Capture)1
• Go to m.CUSoCal.org on your smartphone and enter your
CU OnLine™ password
Mobile eDeposit (Remote Deposit Capture)1
• Deposit checks using your Apple or Android device.
ePay
PhoneTeller
• FREE Online Bill Payment, enroll through Home Banking
• FREE toll-free telephone banking 24/7
1
Accounts must be good standing. Not all account are eligible. Not available on business accounts.
PA G E 1 7
CUSoCal.org
ELECTRONIC SERVICES Direct Deposits, Automatic Payments, Home Banking & Bill Pay
FEATURES OF CU SOCAL ESERVICES
ELECTRONIC SERVICES
Your Home Banking, Bill Pay, and eService Convenience
IMPORTANT TO KNOW
Online Banking/Home Banking
eStatements
• NBCEFCU Online Banking will not be available after 3 p.m.
PST on August 31, 2015.
• Starting September 1, 2015, you may enroll in CU SoCal’s
free Home Banking (CU OnLine™) at CUSoCal.org.
• If you are currently enrolled in eStatements, you
will continue to receive your credit union statements
electronically.
Bill Pay
• NBCEFCU Bill Pay payees will transfer to CU SoCal’s Home
Banking platform.
• One-time and recurring payments scheduled with NBCEFCU
Bill Pay will continue without interruption starting
September 1, 2015.
•Payments scheduled to made from August 25 through
August 31, 2015, will be held and paid on September 1,
2015. If these payments need to be paid prior to September
1, please schedule them for payment before August 25, 2015.
• You will not have access to your NBCEFCU Bill Pay history
through CU SoCal’s Home Banking platform. If you think
you will need to access your history, please print it from
NBCEFCU’s Online Banking before August 25, 2015.
• Starting September 1, 2015, you may enroll in CU SoCal’s
Bill Pay.
Mobile Banking
• CU SoCal offers a free mobile app for your Apple or
Android device.
• You may also quickly access your accounts from CU SoCal’s
Mobile Banking site at m.CUSoCal.org.
Mobile eDeposit
CU SoCal offers a free service that allows you to deposit
checks using your Apple or Android device. This service
is called Mobile eDeposit (also known as Remote Deposit
Capture.) Simply snap a picture of the front and back of your
endorsed check with your camera-ready device using
CU SoCal’s mobile app.
IMPORTANT TO DO
Online Banking
On or after September 1, 2015, Online Banking users will
need to enroll in CU SoCal’s free Home Banking (CU OnLine™)
at CUSoCal.org. From CU SoCal’s home page, click “Activate
Your Account Now” located below the Home Banking login.
You will use your new Member number and be given easy-tounderstand, step-by-step instructions to enroll.
Bill Pay
On or after September 1, 2015, existing and new Bill Pay
users will need enroll in CU SoCal’s free Home Banking
(CU Online™) at CUSoCal.org.
Members new to Bill Pay will need to set up payees in
CU SoCal’s Bill Pay. You can choose from hundreds of
pre-set merchants or create your own payees.
eStatements
If you do not currently use eStatements, please consider
going paperless.
Mobile Banking
Download CU SoCal’s free Mobile Banking app for your Apple
or Android device. Or, quickly access your accounts from
CU SoCal’s Mobile Banking site at m.CUSoCal.org.
PAGE 18
A Step-By-Step Guide
CUSoCal.org
Use this easy-to-follow guide to set up your CU SoCal Home Banking service.
FEB 1
TO BEGIN
Go to CUSoCal.org and click
“Activate your account now.”
Register—Enter your information
Step 1 of 6
typically 2-10 digits, primary account holder
Account Number:
last 4 digits only—Example: 1234
Social Security Number:
mm/dd/yyyy—Example: 05/31/1979
Birthday:
Accept:
Type YES to accept the following agreement(s):
– CU OnLine Disclosure & E-Sign Agreement
– Security information
– Privacy
– External Transfers Terms and Conditions
Start
Step 2 of 6
– Send Method –
▼
For your security, a registration passcode is required to complete the registration
process. This 6-digit passcode will be sent to your selected phone number or
email. Once you receive this passcode, enter the 6 digits on the next page.
NOTES: – This passcode is valid for 10 minutes.
– Text message passcodes are only valid for mobile phones.
Send Passcode
Cancel
Register—Confirm Registration Passcode
Step 2 of 6
Registration Passcode:
For your security, a registration passcode is required to complete the registration
process. This 6-digit passcode will be sent to your selected phone number or
email. Once you receive this passcode, enter the 6 digits on the next page.
NOTES: – This passcode is valid for 10 minutes.
– Text message passcodes are only valid for mobile phones.
Confirm Passcode
PA G E 1 9
Input your account number (this
is your new CU SoCal Member
number, not your ACH number)
and the last four digits of the
primary Member’s Social Security
Number as well as their birth
date. Review the online agreements
then type “Yes” to accept. Click
“Start” to continue.
Cancel
Register—Send Registration Passcode
Registration Passcode:
STEP 1 OF 6
Cancel
STEP 2 OF 6
From drop-down menu, select the
preferred method to receive your
verification code (by email, text,
or voice message). Click “Send
Passcode.” Your passcode will arrive
shortly.
PLEASE NOTE: You will have
10 minutes to complete the
online setup once you click “Send
Passcode.” During this time, it is
important that you do not navigate
away from this page. If you selected
the email option to receive your
passcode, please be sure to access
your email by opening a second
window or tab in your web browser.
After retrieving your passcode,
input the six-digit number and click
“Confirm Passcode” to continue.
CUSoCal.org
ELECTRONIC SERVICES Direct Deposits, Automatic Payments, Bill Pay, Home Banking
HOME BANKING SETUP
HOME BANKING SETUP
A Step-By-Step Guide
Register—Setup your Username and Password
Account Number:
Step 3 of 6
Enter your desired Username and
Password. Please note the rules listed
under “show username rules” and
“show password rules.” Your email
address must match the one that is
listed on your account. If no email
address is present, you may input an
email address of your choice. When
completed, “matches!” will appear
next to both the “Confirm Password”
and “Confirm Email” fields. Click
“Next” to proceed.
0000
Last Name:
Setup Username:
show username rules
Setup Password:
show password rules
confirm your password matches!
Confirm Password:
Email:
Confirm Email:
matches!
Next
Register—Setup your Security Questions
Account Number:
STEP 3 OF 6
Step 4 of 6
STEP 4 OF 6
Choose three different security
questions and type your corresponding
answers. Click “Next” to continue.
0000
Username:
Last Name:
Security Question 1:
– Choose a question –
▼
▼
▼
Answer:
Answer:
Answer:
Notes: • Challenge Questions must be unique
• Challenge Answers are not case sensitive
NOTE: You may want to record your
answers and retain them in a safe
place as you will be asked one of
these three security questions each
time you log in from a new computer
or have not selected the “Remember
This Computer” option. Click “Next”
to continue.
Next
PAGE 20
Think of a security phrase and
select a security image that you
would like to appear on the login
screen each time you login. This
security feature indicates that
you have correctly input your
username and have not been
redirected to an unsecure site.
Should the phrase or image
appear incorrectly, please stop
and contact CU SoCal. Click
“Next” to continue.
Register—Setup your Security Phrase and Image
Account Number:
Step 5 of 6
0000
Username:
Last Name:
Security Phrase:
A personal message—Example: Gone fishing
• Must not be blank
Security Picture:
Click on an image below to select your Security Picture.
• Must not be blank
More picture choices
Previous Next
Random
❍ Background
❍ KillerWhale
❍ CloseupLeaf
❍ OddFrog
Next
Update Mailing Preferences—eStatement Enrollment
Step 6 of 6
STEP 6 OF 6
Enter the “Verification Code” to
verify that you can read Adobe
Acrobat files. Click “Enroll in
eStatements” or “Unable to View
Code/Opt Out of eStatements*.”
Enter this code XXXXXX in the box below to verify you can read Adobe Acrobat files.
Verification Code:
Enroll in eStatements
Unable to View Code/Opt Out of eStatements*
*Paper statements are subject to the Schedule of Fees.
FINISHED!
You have now completed the
process. It may take a few
minutes to finish processing.
Working: Please wait while we complete your setup.
This may take up to 5 minutes to complete...
You must complete the entire registration process.
If you do not complete the process, you will need to start over.
Please do not refresh or navigate away from this page.
PLEASE NOTE: If you forget your username, you may click the “Forgot your username?” link in the Home Banking
portal on the CUSoCal.org home screen. Follow the onscreen instructions to retrieve it.
You may also call our phone center at 562.698.8326 Monday through Friday, 9 a.m. to 6 p.m., or Saturday, 9 a.m. to
1 p.m. A representative will be glad to assist you.
PA G E 2 1
CUSoCal.org
ELECTRONIC SERVICES—HOME BANKING SETUP A Step-By-Step Guide
STEP 5 OF 6
WE’RE HERE FOR YOU
Website and Phone Numbers
You and your financial future are very important to us. Whether you want a quick answer to a small problem or need help
resolving a complex issue, we’re here for you. We look forward to serving you.
Mailing Address: P.O. Box 200, Whittier, CA 90608-0200
Website: CUSoCal.org
Email: [email protected]
Fax: 714.990.5492
Telephone Service Center
562.698.8326
866 CU SoCal (866.287.6225)
Monday-Friday, 9 a.m.-6 p.m.
Saturday, 9 a.m.-1 p.m.
Home Banking (CU OnLine™)
CUSoCal.org
Mobile Banking
m.CUSoCal.org
Shared Branch Locations
CUSoCal.org
888.287.9475
Visit m.CUSoCal.org on your smartphone
PhoneTeller
562.945.2214 or 800.249.2328
Activate or Report a Lost or Stolen Debit Card
888.698.7241
ATM Locations
CUSoCal.org
866 CU SoCal (866.287.6225)
Visit m.CUSoCal.org on your smartphone
Text your location to MYCOOP (692667)
Branch Locations and Hours
Alhambra
Covina
Ontario
900 S. Fremont Avenue (Mezzanine)
Mon–Thurs, 8 a.m.–5 p.m.
1404 N. Azusa Avenue
Mon–Fri, 9 a.m.–6 p.m.
Sat, 9 a.m.–1 p.m.
2777 E. Guasti Road, Suite 6
Mon & Fri, 9 a.m.–3 p.m.
Tues–Thurs, 9 a.m.–4 p.m.
1475 S. State College Blvd
Suite 100
Mon–Fri, 8:30 a.m.–4 p.m.
El Monte
Pico Rivera
11024 Concert Street
Anaheim West
Fullerton
9330 Whittier Blvd
(Cash transactions at ATM only.)
801 Brookhurst Street
Mon–Thurs, 8 a.m.–4:30 p.m.
Fri, 8 a.m.–5 p.m.
230 W. Wilshire Avenue
Mon–Fri, 9:30 a.m.–5:30 p.m.
Sat, 9 a.m.–1 p.m.
Brea
Garden Grove
2500 E. Imperial Hwy, Suite 170
Sat, 9 a.m.–1 p.m.
11390 Stanford Avenue
Mon–Fri, 8:30 a.m.–4 p.m.
City of Industry
901 E. Whittier Blvd
Mon–Thurs, 9:30 a.m.–5:30 p.m.
Fri, 9:30 a.m.–6 p.m.
Sat, 9:30 a.m.–1:30 p.m.
Anaheim East
17871 Colima Road
Sat, 9 a.m.–1 p.m.
La Habra
Newport Beach
425 Old Newport Blvd, Suite A
Pomona
435 W. Mission Blvd, Suite 100
Mon–Thurs, 9 a.m.–5 p.m.
Fri, 9 a.m.–6 p.m.
Whittier—East
8028 Greenleaf Avenue
Mon–Fri, 9 a.m.-6 p.m.
Sat, 9 a.m.–1 p.m.
Whittier—West
11749 Whittier Blvd
Mon–Thurs, 9:30 a.m.–5:30 p.m.
Fri, 9:30 a.m.–6 p.m.
Sat, 9:30 a.m.–1:30 p.m.
PAGE 22
210
110
Covina
605
Alhambra
10
10
Ontario
El Monte
Pomona
710
57
60
60
71
5
Pico Rivera
City of Industry
605
Whittier
15
La Habra
710
105
Brea
5
Fullerton
91
91
605
Anaheim
57
55
Anaheim
405
22
Garden Grove
405
5
405
55
73
PA G E 2 3
Newport Beach
CUSoCal.org
WE’RE HERE FOR YOU Website, Phone Numbers, Locations & Hours
134
ADDITIONAL BENEFITS
Go to CUSoCal.org for Additional Details
Auto-Buying Service
CU SoCal is your complete auto resource. Whether you’re
looking to purchase a new or used vehicle, or obtain great
protection, we’re here to help. We’re delighted to provide
our Members with an auto-buying experience designed to
exceed even the highest expectations.
• Life Insurance
• 401(k), 403(b), and 457 Tax-Sheltered Accounts
• Retirement Planning
• Pension and Retirement Plan Rollovers**
The CFS Financial Advisors at CU SoCal, are registered
through CFS, a broker dealer, and are available for a
complimentary introductory meeting.
Financial Education
CU SoCal is pleased to provide a wide array of resources to
enhance your financial knowledge and empower you to make
healthy money-matter decisions. We’re honored to offer you
FREE educational workshops designed to help you improve
your knowledge of personal finances. Plus, find FREE and
confidential financial counseling and education through our
BALANCE Financial Fitness partners. The trusted counselors
at BALANCE can assist you with developing a workable
spending and savings plan, getting out of debt, analyzing
your credit report, buying a home, planning for your financial
future, and more.
Investment Services1
Plan today for retirement, educational expenses, or other
financial goals. Find many investment choices through our
valuable partner, CUSO Financial Services, L.P. (CFS).*
• Financial Planning Services
• Individual Retirement Accounts (IRAs)
• Variable and Fixed Annuities
• College Savings
• Mutual Funds
• Stocks
• Bonds and ETFs
• Long-Term Care Insurance
1
Protection Plans
CU SoCal offers solutions to safeguard both your financial
security and the security of your loved ones. Products
include Accidental Death and Dismemberment (AD&D),
Guaranteed Asset Protection (GAP), Mechanical Repair
Protection (MRP), and Debt Protection.
Real Estate Rewards Program
CU SoCal Members may use Home Benefits Plus—a program
designed to help you buy or sell your home while providing
a cash rebate. Home Benefits Plus has created a network
of experienced real estate agents from across the United
States. These agents have agreed to provide you the very best
in service and professional advice, and rebate 25% of their
commission to you.2
Value+ Package
Special discounts and benefits are available to Members with
combined savings and loan balances of $15,000 or more.
This Value+ Package includes:
• Value+ Checking that earns dividends3
• .25% rate discount on select consumer loans4
• .10% rate bonus on CU SoCal Certificates (any term)5
CHARTERED RETIREMENT PLANNING COUNSELORTM and CRPC® are register service marks of the College for Financial Planning.®
*Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and Registered Investment Advisor.
Products offered through CFS are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible
loss of principal. Investment Representatives are registered through CFS. The credit union has contracted with CFS to make non-deposit investment products and services available to credit
union Members.
**Before deciding whether to retain assets in an employer sponsored plan or roll over to an IRA, an investor should consider various factors including, but not limited to: investment options,
fees, and expenses, services, withdrawal penalties, protection from creditors and legal judgments, required minimum distributions and possession of employer stock.
2
When the transaction amount is less than $100,000, no rebate will be paid.
3
All new accounts will be verified through ChexSystems® and are subject to approval.
4
Consumer loans do not include lines of credit, Visa® credit cards, or mortgage loans.
5
Not valid on Access Certificates.
PAGE 24
CU SoCal Helping Hands
Member Relations
The credit union philosophy of “People Helping People”
inspired CU SoCal employees to form CU SoCal Helping
Hands in 1997. CU SoCal Helping Hands is a charitable
non-profit 501(3)(C) corporation that is driven by the
vision of treating Southern California’s needy families with
dignity and respect while providing the basic necessities
of life. This charity provides food, clothing, and financial
assistance to families in need and supports other
worthwhile charitable organizations.
Comprised of CU SoCal employees, our Member Relations
Committee meets each month to support a number of
charitable organizations and community events including
homeless and domestic abuse shelters, community
outreach programs for health and education, local
museums, music programs, and elderly assistance.
PA G E 2 5
CUSoCal.org
ADDITIONAL BENEFITS Financial Education, Value+ Package & Commitment to Community
Commitment to Our Communities
CUS
FEB 1
SAFE. SOUND. INSURED.
Privacy Policy
At CU SoCal, we’re committed to protecting the privacy and
security of our Members’ personal financial information. We
collect and maintain information about our Members to enable
us to protect the security of our Members’ accounts, conduct
business consistent with regulations, provide our Members
with information and offers on products and services to meet
financial needs, and to satisfy legal requirements.
The CU SoCal Privacy Policy describes how we collect and use
your non-public information and how we maintain the security
and confidentiality of this information. Please call us at
562.698.8326, toll-free at 866 CU SoCal (866.287.6225),
or email us at [email protected] if you have any questions.
PROTECT YOURSELF ONLINE
We will never request personal information such as Social Security numbers, account numbers, passwords, PINs, addresses,
or birth dates from you via email.
It is important that you do not respond to any email requesting personal information—even if it appears to come from a
legitimate source.
If you receive a suspicious email, please forward the email to [email protected] or call us at 866 CU SoCal (866.287.6225).
PAGE 26
Keeping our Members’ funds safe is a top priority.
CU SoCal’s net worth is well above the National Credit
Union Administration’s (NCUA’s) well-capitalized
requirement. Our strong net worth provides a substantial
cushion to protect Members’ deposits in addition to
NCUA’s federal insurance guarantee.
Members’ shares will be protected by federal deposit
insurance provided through the National Credit Union
Share Insurance Fund (NCUSIF), a division of the
National Credit Union Administration, and backed by the
full faith and credit of the United States Government.
Your deposits will be federally insured by the NCUSIF to
at least $250,000.
It’s important to know that your funds can be insured to
a much higher level than $250,000 based on how your
accounts are structured. Depending on the type and
ownership of your accounts, you could have more than
$1 million in share insurance coverage.
Federally insured by NCUA
PA G E 2 7
CUSoCal.org
SAFE. SOUND. INSURED. Privacy Policy, Federal Insurance & Overdraft Protection
Federal Insurance Guarantee
CUSoCal.org
FEB 1
Courtesy Pay Information
Important to Know About Overdrafts and Overdraft Fees
An overdraft occurs when you do not have enough available
funds in your account to cover a transaction, but we pay it
anyway. We can cover overdrafts in two different ways:
• We have standard overdraft practices that come with your
account. Credit Union of Southern California (CU SoCal)
refers to this as CU SoCal Courtesy Pay.
• We also offer overdraft protection plans, such as a link to a
Savings Account or a Line of Credit—which is less expensive
than our standard overdraft practices. (Please refer to the
Schedule of Fees available online at CUSoCal.org.)
To learn more, ask us about these plans.
This notice explains our standard overdraft practices that we
call CU SoCal Courtesy Pay. The below language does not
apply to overdrafts that are linked to Savings Accounts or
Lines of Credit.
What are the standard overdraft practices that come with my
account?
We do authorize and pay overdrafts for the following types of
transactions, unless you opt out:
• Checks and other transactions made using your Checking or
Money Market Account number.
• Automatic bill payments, including those from your Savings
or Checking Accounts.
We do not authorize and pay overdrafts for the following types
of transactions unless you ask us to do so:
• ATM transactions.
• Everyday debit card transactions.
We pay 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.
What fees will I be charged if CU SoCal pays my overdraft?
Under our standard overdraft practices:
• We will charge you a fee of $29 each time we pay an
overdraft.
• There is no limit on the total fees we can charge you for
overdrawing your account.
What if I want CU SoCal to authorize and pay overdrafts on my
ATM and everyday debit card transactions?
If you also want us to authorize and pay overdrafts on ATM and
everyday debit card transactions, you may opt in by logging
into CU SoCal Home Banking and clicking on “Check Services”
and then “Courtesy Pay,” by calling toll-free 866 CU SoCal
(866.287.6225), or by completing the form on page 29 and
mailing it to P.O. Box 200, Whittier, CA 90608-0200, faxing it
to 714.671.2753, or dropping it off at any CU SoCal branch.
PAGE 28
Overdraft Authorization | CU SoCal COURTESY PAY
If you want us to authorize and pay overdrafts on everyday ATM & DEBIT CARD transactions, you may opt in by logging
into CU SoCal Home Banking and clicking on “Check Services” and then “Courtesy Pay,” by calling toll-free 866 CU
SoCal (866.287.6225), or by completing this form and mailing it to P.O. Box 200, Whittier, CA, 90608-0200, faxing it to
714.671.2753, or dropping it off an any CU SoCal branch.
I/we understand about the benefits of CU SoCal Courtesy Pay and wish to select the following options listed below.
(Please check all that apply.)
o YES, I authorize CU SoCal to pay overdrafts on my everyday ATM and DEBIT CARD transactions via Courtesy Pay on the
following accounts:
o CHECKING
o SAVINGS/SHARE
o SECONDARY SAVINGS/SHARE
o MONEY MARKET
Account
Account
Account
Account
#____________________________________________
#____________________________________________
#____________________________________________
#____________________________________________
o NO, I do NOT want CU SoCal to pay overdrafts on my everyday ATM and DEBIT CARD transactions via Courtesy Pay on the
following accounts:
o CHECKING
o SAVINGS/SHARE
o SECONDARY SAVINGS/SHARE
o MONEY MARKET
Account
Account
Account
Account
#____________________________________________
#____________________________________________
#____________________________________________
#____________________________________________
o I want to OPT-OUT of the CU SoCal Courtesy Pay Program completely.
I understand that in the event any CHECKS, ATM/DEBIT Card and/or ACH transactions are not cleared due to insufficient and/
or unavailable funds in my/our account, I/we agree that I/we are responsible for any fees assessed by Credit Union of Southern
California (CU SoCal) and other parties.
Signature:
Date:
Print Name:
Account #:
Primary Account Holder’s Email:
IF YOU HAVE ADDITIONAL ACCOUNTS on which you want us to authorize and pay overdrafts on everyday ATM and debit
card transactions, please print additional copies of this page as needed.
PA G E 2 9
P.O. Box 200 | Whittier, CA 90608-0200 | 714.671.2753 Fax | 866.287.6225 | [email protected] | CUSoCal.org
A Membership Invitation for Your Family
Your family is welcome to join CU SoCal. Eligible
family Members include your spouse, children, parents,
siblings, grandparents, grandchildren, stepparents,
stepchildren, and stepsiblings. Simply have them go
online to CUSoCal.org or complete and return the
enclosed application.
For each new CU SoCal Member you refer, you’ll get
two movie tickets!1 Go ahead—spread the word!
1
Membership is open to those who live, work, worship, or attend school in Los Angeles, Orange and
San Bernardino Counties. Membership is subject to eligibility. Referrer must be a CU SoCal Member.
Referring Member will receive two movie tickets for each referred new CU SoCal Member who opens
a CU SoCal Account. All new accounts will be verified by ChexSystems® and are subject to approval.
New Members who were referred will receive one movie ticket. Offer expires 12/31/15 and is subject
to change without notice.
PAGE 30
Membership Application
I am:
 A new Member
 Making a change to my current account
To become a CU SoCal Member, go online to CUSoCal.org org or complete the application below and sign where indicated.
Enclose a check or money order for your $15 Membership fee ($10 Membership Par Value, $5 one-time Membership fee; fee is
waived with eStatements), the minimum deposit required for requested accounts and a copy of your driver’s license or state ID
with current address for primary and joint owners. Then securely seal these documents and bring to a branch or mail to CU SoCal.
Please sign me up for:
 Money Market
 Certificate/Access Certificate
 FREE Checking with eStatements
 Value  Value +  E-Z-Earn
Savings
 Summer/Holiday Saver
Primary Member Information
 ATM/Debit Card
Please contact me for:
 Home Banking (CU OnLine™) Fixed/Adjustable Mortgage loan
PhoneTeller
 HELOC/Home Equity loan
Other______________________
Joint Owner Information
Primary Member Name (print)
Social Security #
Joint Member Name (print)
Social Security #
Physical Address
City
State
Zip
Physical Address
City
State
Zip
Mailing Address (if different)
City
State
Zip
City
State
Zip
Home Phone
Business Phone
Cell Phone
Home Phone
Business Phone
Cell Phone
Date of Birth
Driver’s License # / ID #
Mother’s Maiden Name
Date of Birth
Current Position
Employer
Employer
Email Address
Email Address
Current Position
Social Security #
Social Security #
Physical Address
City
State
Zip
Physical Address
City
State
Zip
City
State
Zip
City
State
Zip
Home Phone
Business Phone
Cell Phone
Home Phone
Business Phone
Cell Phone
Date of Birth
Date of Birth
Current Position
Employer
Employer
Email Address
Current Position
Email Address
Designation of Beneficiary
(Pay-on-Death Payee)
In the event of my death and all other joint owners predecease me, I hereby designate the persons* whose name appears below as my beneficiary to receive any and all amounts in
this account.
Name of Beneficiary 1
Relationship to Member
Address
City
State
Zip
Address
City
State
Zip
Address
City
State
Zip
Address
City
State
Zip
*If more than one beneficiary is named, amounts will be divided equally among all beneficiaries.
PA G E 3 1
New Account #
P.O. Box 200 | Whittier, CA 90608-0200 | 714.671.2753 Fax | 866.287.6225 | [email protected] | CUSoCal.org
Membership Application
Overdraft Protection
Checking Account overdrafts will be covered by a transfer* from (you may choose from a Savings, Checking, Money Market or Line of Credit account).
*NOTE: Regulation D limits the number of withdrawals on non-transaction accounts each month. A maximum total of six (6) pre-authorized
share transfers may occur during a calendar month. If no funds are available, we may cover your transaction using CU SoCal Courtesy Pay
Service. A fee may be charged for this service. If no funds are available, items will be returned unpaid.
1.___________________________________________________________________________________________________________________________________________________
FROM Account #
TO Account #
Account ID
Loan ID
2.___________________________________________________________________________________________________________________________________________________
FROM Account #
TO Account #
Account ID
Loan ID
3.___________________________________________________________________________________________________________________________________________________
FROM Account #
TO Account #
Account ID
Loan ID
4.___________________________________________________________________________________________________________________________________________________
FROM Account #
TO Account #
Account ID
Loan ID
Overdraft options will also apply to electronic (ACH) transactions.
Member/Joint Owner Signature
I hereby apply for Membership in Credit Union of Southern California (CU SoCal). By signing below, I acknowledge that I have received a copy of CU SoCal’s Truth-in-Savings
Disclosure and agree to be bound by its by-laws and any amendments thereto. I acknowledge that I have received a copy of the current Schedule of Fees. I authorize CU SoCal
to obtain credit reports in connection with this account and any future credit opportunities. I authorize CU SoCal to open other accounts for me in person, as instructed in writing or
per my telephone request.
I certify under penalties of perjury that (1) the Social Security Number or Employer Identification Number above is my correct tax identification number, (2) I am NOT
subject to backup withholding because (a) I am exempt, or (b) I have not been notified that I am subject to backup withholding as a result of a failure to report all
interest or dividends, or (c) the IRS has notified me that I am no longer subject to backup withholding, and (3) I am a U.S. person (including a U.S. resident alien).
You must cross out item (2) above if you have been notified by the IRS that you are currently subject to backup withholding because you have failed to report all interest or
dividends on your tax return. The IRS does not require your consent to any provisions of this document other than the certifications to avoid backup withholding.
X
Member Signature
X
Joint Owner Signature
X
X
Date
Date
Internal Use Only
Membership approved byDateSignatureUser IDNew Account Number
ID Issue Date
Exp. Date
Membership Officer Initials
562.698.8326
Toll-free 866
CU SoCal (866.287.6225)
P.O.
Box 200 | • Whittier,
CA 90608-0200
| 714.671.2753 Fax | 866.287.6225 | [email protected] | CUSoCal.org
PAGE 32
PA G E 3 3
CUSoCal.org
If you have questions or need assistance, please stop by your favorite branch,
call 866 CU SoCal (866.287.6225), or visit CUSoCal.org
PAGE 34

account information - Credit Union of Southern California

Transcription

Similar documents

Fall 2015 - Credit Union of Southern California

which has a history of its own

September - October Newsletter

Time to go banking? The electric is off. The phones are dead. The

money matters

8th Annual Police Softball World Series

On-the-Go Banking - Bank of Hampton Roads

What you need to know about Overdrafts and Overdraft

Click here to see our 2015 Event Program

Georgia Card Carrier - Update 01-13.FH11