Spring Auto Event IN THIS ISSUE: Spring 2012

Spring 2012
IN THIS ISSUE:
•New Mobile Banking
•Community Involvement
•The New PC Banking Service
Is Here
•Notice Regarding Non-VISA
Pinless Debit Transactions
•Privacy Policy
•Check Cashing Policy
•And More
Where Members Always Come First!
Parkview Community FCU &
Enterprise Car Sales Present The
Spring Auto Event
Mark your calendar for April 15-May 15, 2012. Parkview Community FCU and Enterprise Car
Sales are teaming up for the SPRING AUTO EVENT! When you borrow at a great rate from
your credit union and buy from Enterprise Car Sales during the AUTO EVENT, you receive
The Perfect Used Car Package® which includes a 12-month/12,000-mile limited powertrain
warranty², vehicle certification, 12-month roadside assistance³ and more. View our great
selection of quality used vehicles today! Plus, if you have a trade-in, receive KBB +$500¹.
You can preview the inventory at:
Enterprise Car Sales
1115 Lincoln Highway, North Versailles, PA 15137
(412) 823-0100 or www.cuautodeals.com.
Purchasing a Vehicle Has Never Been Easier…
1. Contact your credit union and get pre-approved at a great low rate.
2. Enterprise representatives will be on hand to answer your questions, let you take a test drive, and help you with your selection.
3. Don’t forget to bring your drivers license and car insurance information. If you are trading in a car, bring the car and the title or current loan information with you to the event.
4. You’ve got the keys. We’ve made it simple to drive away!
Where Members Always Come First
Main Office
2100 Eden Park Blvd.
McKeesport, PA 15132
Phone: (412) 678-9564
Fax: (412) 678-9559
Monday - Friday 9:00 AM - 4:30 PM
Thursday 9:00 AM - 6:30 PM
Branch Office
2001 Lebanon Road
West Mifflin, PA 15122
Phone: (412) 655-6868
Wednesday
9:00 AM - 4:30 PM
Web Site: www.pc-fcu.org
PARKLINE 1-800-947-0681
Local: (412) 678-LINE
¹Offer valid only on Enterprise Car Sales vehicles purchased from 04/15/2012 and financed through Parkview Community Federal Credit Union. Trade-In values obtained from
©
2012 Kelley Blue Book Co.’s website KBB.com. Blue Book Trade-In Value is based on accurate condition rating and mileage of vehicle. Accurately appraising the condition
of the vehicle is an important aspect of determining its Blue Book Trade-In Value. If a Blue Book Trade-In value is not available for your vehicle Enterprise will provide a fair and
competitive value for customer’s vehicle. Additional trade-in value of $500 is available only on passenger vehicles and light duty trucks, with a Blue Book Trade-In Value and
when a vehicle is purchased from Enterprise. Customer is responsible to any extent vehicle pay-off exceeds Enterprise offer. Customer must provide required proof of ownership/registration and all other necessary paperwork to transfer title. Offer only valid on one trade-in for each Enterprise vehicle purchase. Restrictions apply. For details, see an
Enterprise Car Sales Manager. Offer void where prohibited including Alaska, Louisiana, Oregon, South Carolina, Texas and Wisconsin. Offer valid on/from 04/15/12-05/15/12.
Offer void when 7-Day Repurchase Agreement is activated. No cash advances. Cannot be combined with any other offers. Not valid on previous purchases.
² Restrictions apply. For details, see an Enterprise Car Sales Manager. 3Enterprise 12-Month Unlimited Mileage Roadside Assistance Package is provided by the American
Automobile Association (AAA) and its affiliated clubs in the United States and Canada.
NEED A LOAN? SEE YOUR CREDIT UNION FIRST!
Coming May 1, 2012 –
New Mobile Banking!
Parkview Community Federal Credit Union is making
changes to one of our existing services! In February, PC
Banking was revised and changed to better improve its
functionality. But this time, we’re changing our Mobile
Banking! Coming May 1st, our Mobile Banking (a.k.a.
Touch Banking) will be more up-to-date and will work
seamlessly with our recently changed PC Banking. With
the new and improved Touch Banking, you’ll continue
to enjoy the freedom and convenience of unlimited,
account access!
The new Touch Banking offers access to your account
regardless of what type of mobile phone you have.
Downloadable apps are available for iPhones, Android,
Blackberry, and other Java supported mobile devices.
Don’t worry if your phone doesn’t support a mobile app
because you can still do your banking as long as your
phone is WAP/WEB browser capable and/or Text/SMS
capable. Having all of these different entry methods
on your mobile phone ensures that you always have
constant access to your PCFCU account.
To setup Touch Banking on your mobile device, simply
log into your PC Banking account. Select ‘Mobile’ on the
Services menu then, click on ‘Setup’. You may choose
which accounts you want to have access to in Touch
Banking here. You’ll be given some additional instructions/information, then click ‘Next’.
Next, you’ll be asked to enter your mobile phone number.
Once you’ve entered it, click ‘Next’. NOTE: You should
have your mobile device with you during this process
because you will receive a text message that contains
an activation code which you will need to continue the
setup process. Next, you will be asked to select how you
would like to access your PC Banking account through
your mobile device. Check the box to all that apply to
your mobile device, then click ‘Next’. You can also select
to receive alerts to be delivered to your mobile device
regarding specific activity on your PCFCU account here
as well. This will not change any settings you have set up
on your PC Banking account; it will just add an additional
method of how the alerts are delivered.
You should now receive an activation code on your
mobile device. Enter this activation code on the ‘Activate
Your Phone’ page. Once you’ve entered the activation
code, click ‘Activate’. If the activation is successful, you
will receive a message that states ‘Activation Successful’.
If the activation was not successful, then you will receive
instructions on what you need to do so that there will be
a successful activation. Follow those instructions and
proceed through the setup process again. You will also
receive instructions on your mobile device as well on
how to access the Touch Banking whether it is a link for
the downloadable app, and/or a WAP/WEB browser link
that will take you directly to your Touch Banking site.
That’s all there is to it! So be sure to save the date –
May 1, 2012 and keep an eye out for more information
on our new and improved Touch Banking. If you aren’t
a PC Banking user yet or you have questions about it or
our Touch Banking, please call or stop by to speak to a
Credit Union Representative.
Community Involvement
The Intersection’s Thanksgiving Day Dinner
Some of the Parkview Community FCU staff had the opportunity to serve as volunteers at
Thanksgiving Day dinner held at the Intersection here in McKeesport. The Intersection is
a non-profit social organization that provides hot meals, clothing and medical attention
FREE to those in need. President/CEO Gina Tatkus, Business Development & Compliance
Specialist Lechelle Brown and Member Service Representative Mary Beth Musati helped
other Intersection staff and volunteers prepare a hot Thanksgiving Day dinner for over 50
area residents who didn’t have the means to provide a meal for themselves.
McKeesport’s Annual Festival of Trees
Parkview Community FCU participated in McKeesport’s Annual Festival of Trees in December once again this year. This was the 26th year for the event which displays decorated
themed trees of area organizations and businesses. Admission was $2 but children were
admitted for FREE if they brought a canned good which was donated to the Intersection,
a non-profit organization social organization here in
McKeesport. Parkview’s tree theme this year was “Legend
of the Poinsettia” which won 3rd place in the Inspirational
category. This was Parkview Community FCU’s 4th year
participating in the event. President/CEO Gina Takus,
Member Service Manager Liana Falchetti and Teller Debbie
Puskaric designed and decorated the tree entry for PCFCU.
Catherine’s Children Foundation
of East McKeesport
Once again some of the employees of PCFCU had the
opportunity of making Christmas special for some less
fortunate children in the area. Catherine’s Children
Foundation of East McKeesport is sponsoring the children
of several families that reside in the East Allegheny School District. The non-profit foundation which is headed by the Rosenbayger sisters (Connie, Lynn, Kathleen, Diane) assists
families in the district who are in need of basic necessities. Their efforts are aided by teachers in the district who see a need and convey that need to the school guidance counselor.
The guidance counselor than contacts the foundation to meet that need.
In order to help Catherine’s Children Foundation meet the needs of these families for
Christmas, the following employees volunteered to provide at least one gift for a child:
President/CEO Gina Tatkus, Lending Manager Becky Handra, Member Service Manager
Liana Falchetti, Accounting Manager Robin Vanestenberg, Business Development &
Compliance Specialist Lechelle Brown, Checking Account Representative Noreen Niccolai,
Accounting Clerk Michelle Maddock, Member Service Representative Mary Beth Musati,
Head Teller Tammy Cavallaro, Teller Courtney Gilmore and Teller Debbie Puskaric.
Auberle’s Santa Wrapping Party
Several Parkview Community FCU employees volunteered
at Auberle’s Santa Wrapping Party in December. Some of
the Auberle staff and volunteers sorted and organized
Christmas gifts that were bought for the Auberle residents. The gifts were then wrapped by volunteers from all
over including some of our PCFCU staff such as Business
Development and Compliance Specialist Lechelle Brown,
Accounting Manager Robin Vanestenberg, Loan Officer Roxana Jordan, Member Service
Representative Mary Beth Musati and Teller Debbie Puskaric. The Christmas gifts were then
presented to the Auberle residents at the St. Nicholas Day event held in the Program Center.
Parkview Community Federal Credit Union constantly strives to give back to the communities it services whether it is through volunteering time for an event/fundraiser or donating
to an organization for a worthy cause. It is our way of making the credit union philosophy
of “people helping people” a reality.
WE CARE ABOUT YOUR PRIVACY!
The New PC Banking Service Is Here!
On February 7, 2012, Parkview Community Federal Credit Union rolled out its new and improved
PC Banking service. We assured you that the
changes would still provide you with the features
and functionality that you were already used to
but that it would also give you more flexibility and
freedom by providing you with one-click access
to what matters most to you.
All of the newly added features seem to be operating normally and are a great addition to what you
were already used to in the older version of PC
Banking. One of those new features is the option to customize your PC Banking main page
to include the features and functions that you
use most often. You will also enjoy the ability to
re-order checks or access your PCFCU Visa Credit
Card information all with no additional login attempt(s). Just click on the appropriate
tab at the top of the Services menu and you will be re-directed to the site(s) effortlessly.
Another feature that you might find appealing is that you will now have access to your
e-Statements for 12 months instead of 3. We hope that this will be more helpful to you
since it provides you with a longer time frame to access your accounts without having to
contact us to request them.
The new PC Banking allows you to change your Login ID to one of your choice instead
of using your Member Number. This feature adds more security as well as personalization. You also have the option to create Sub Users, people who may/may not be on your
account but who you are allowing to have access to your PC Banking account. You create
a Login ID and Password just for them in addition to setting up special permissions that
they will have once they access your PC Banking account. This is a great feature if, at any
time, you are unable to gain access to your account and need to process transactions.
Hopefully, you haven’t had any problems with the new PC Banking. However, if you notice that any of the features, new or old, aren’t working correctly, please don’t hesitate to
stop by or call. Also, if you have yet to enroll in the PC Banking service at Parkview Community Federal Credit Union, but you would like to, stop by or call the office. Or you can
visit www.pc-fcu.org and enroll. Just click on the PC Banking Login button on our Home
page. When the PC Banking Login page opens up, click on the ‘Not Enrolled? Enrolled
Today!’link and complete the requested information. You will have immediate account
access once the information you entered has been verified.
Parkview Community FCU takes pride
and honor in serving you and your family
while providing security for your future.
Power Of Attorney
A power of attorney is an important document that allows
you to designate another party (agent) to make decisions
on your behalf. Parkview Community Federal Credit
Union only recognizes and honors our Durable Power of
Attorney document. Should you want to appoint an agent
to make decisions regarding your accounts at PCFCU,
you and the agent will need to come into our office and
complete our document. The completed document will
be notarized by one of our notaries and a copy will be kept on file here at the credit
union. Please stop by or call us to speak to a credit union representative if you have any
questions regarding this matter.
BULLETIN
BOARD
Holiday Closings
Memorial Day
Monday, May 28, 2012
Independence Day
Wednesday, July 4, 2012
Labor Day
Monday, September 3, 2012
Columbus Day
Monday, October 8, 2012
Veteran’s Day
Monday, November 12, 2012
Thanksgiving
Thursday, November 22, 2012
Christmas Eve
Monday, December 24, 2012
Close at 1:00 p.m.
Christmas Day
Tuesday, December 25, 2012
Notice Regarding
Non-VISA Pinless Debit
Transactions
You may use your Parkview
Community FCU VISA Debit
Card to initiate both VISA debit
transactions and non-VISA
debit transactions without
using a personal identification
number (PIN) to authenticate
the transactions.
To initiate a VISA debit
transaction, you may sign a receipt, provide a card
number or swipe your card through a point-of-sale
(POS) terminal and choose to route the transaction
over a VISA network.
To initiate a non-VISA debit transaction, you may
enter a PIN at a point-of-sale (POS) terminal, or for
certain bill payment transactions, provide the account number for an e-commerce or mail/telephone
order transaction after clearly indicating a preference to route it as a non-VISA transaction. We have
enabled non-VISA debit transaction processing on
the STAR Network.
The rights and protections applicable only to VISA
debit transactions, including additional consumer
liability limits and streamlined error resolution procedures, as described in your Electronic Fund Transfers
Disclosure will not apply to transactions processed
through non-VISA networks.
Please stop by or call us to speak to a credit union
representative if you have any questions regarding
this manner.
REFER A FAMILY MEMBER TODAY!
PARKVIEW COMMUNITY FEDERAL CREDIT UNION
PRIVACY POLICY NOTICE
Credit unions choose how they share your personal information. Federal law gives members the right to limit some but not
all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read
this notice to understand what we do. If after you read this notice, you have questions, call us at 412-678-9564.
Check Cashing
Policy
INFORMATION WE COLLECT ABOUT YOU
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
l
Social Security number and income
l
Account balances and payment history
l
Credit history and credit scores
HOW WE COLLECT INFORMATION ABOUT YOU
We collect your personal information, for example, when you:
l
Open an account;
l
Apply for a loan/credit card or pay on a loan/credit card;
l
Use your debit/credit card
We also collect your personal information from others, such as credit bureaus.
Our check cashing policy is designed to
protect you and avoid confusion. Members
with checking accounts only are entitled to
cash checks here at the credit union under
the following guidelines.
HOW WE USE THE INFORMATION WE COLLECT ABOUT YOU
4 Some checks you present may be held two
business days when deposited into your checking account. If we place a hold on your check,
we may make some of the funds available to
you on the first business day after the day of
your deposit. For example, if we place a hold
on a check that you bring into the credit union
to deposit on Monday (during business hours),
the first $100 will be available for you on
Tuesday. The remaining funds of that deposit
will be available to you on Wednesday. Checks
deposited into share accounts may be subject
to longer holds, if applicable. Other restrictions may also apply. Please refer to Parkview
Community FCU’s Funds Availability Policy for
detailed information.
All credit unions need to share members’ personal information to run their everyday business. In the section below, we
list the reasons how Parkview Community Federal Credit Union can share your personal information; if we share your
personal information; and whether you can limit this sharing.
l
For our everyday business purposes – such as to process your transactions, maintain your account (s), respond to court orders and legal investigations, or report to credit bureaus. Parkview Community Federal Credit Union does share your personal information for these purposes. You cannot limit this sharing.
l
For our marketing purposes – to offer our products and services to you. Parkview Community Federal Credit Union does share your personal information for these purposes. You cannot limit this sharing.
l
For joint marketing with other financial companies. Parkview Community Federal Credit Union has a formal
agreement with some nonaffiliated financial companies that can market financial products or services to you. On
occasion, Parkview Community Federal Credit Union may share your personal information with these types of companies. You can limit this sharing.
l
For nonaffiliates to market to you. Nonaffiliates are financial or nonfinancial companies that are not related to Parkview Community Federal Credit Union by common ownership or control. Parkview Community Federal Credit Union does not have relationships with these types of companies so none of your information is shared with them.
l
For affiliates’ everyday business and marketing purposes – information about your transactions, experiences and creditworthiness. Affiliates are companies that are related by common ownership and control. Parkview Community
Federal Credit Union does not have relationships with these types of companies so none of your information is shared with them.
HOW WE PROTECT YOUR INFORMATION
To protect your personal information from unauthorized access and use, we use security measures that comply with
federal law. These measures include computer safeguards and secured files and buildings.
YOUR RIGHTS REGARDING THE SHARING OF YOUR INFORMATION
Federal law gives you the right to limit only:
l
Sharing for affiliates’ everyday business purposes – information about your creditworthiness;
l
Affiliates from using your information to market to you;
l
Sharing for nonaffiliates to market to you.
HOW YOU CAN LIMIT OUR SHARING YOUR INFORMATION
To limit our sharing with nonaffiliated companies, you may opt-out as instructed below. Your opt-out will remain in effect
indefinitely.
l
Call 412-678-9564 and a credit union representative will help you; OR
l
Complete and sign the form below and mail back to us at: Parkview Community FCU,
2100 Eden Park Blvd., McKeesport, PA 15122
OPT-OUT FORM
Name:
Member Number:
Signature:
2012 Membership Marketing Support Services
©
4 Properly noted payroll checks (i.e. payroll
checks should show the word “Payroll” or
“Payroll Period XX/XX/XXXX to XX/XX/XXXX”)
or Federal, State or Local Government checks
will not normally have a hold placed on them.
4 Personal checks presented from other
financial institutions may not be cashed if they
exceed the amount of available funds in your
account (share or checking). If the check cannot be cashed, normal hold policies will apply.
4 Any time a check that is payable to the
member and someone else (aka “AND” check),
both payees must be on the account that the
transaction is taking place on. If not, the nonmember payee must accompany the member
for processing. Identification is required and
will be verified and recorded.
4 Proper identification is required to cash any
check at the credit union.
4 Special circumstances (i.e. new accounts;
checks in excess of $5,000; re-depositing a
check that has been returned unpaid, etc.) will
warrant exception hold procedures. Please
refer to the credit union’s Funds Availability
Policy for detailed information.
If you have any questions, please stop by or call
to speak with a credit union representative.