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Regulation D –
Know Your Options
With identity theft on the rise, EECU is offering its
members the opportunity to bring their personal
documents to EECU and have them destroyed for
FREE safely and confidentially.
Saturday, November 8th – Perrin Branch
Saturday, November 22nd – Reedley Branch
All Shred Events begin at 9:30 a.m. and end at noon.
You are encouraged to bring personal documents,
such as:
•
•
•
•
•
•
•
statements
cancelled or blank checks
credit card offers/information
medical records
personal bills
receipts
income tax records
Please limit your shredding to three boxes. Shred
events will close early if the shred truck is filled
to capacity.
Under federal regulation, you’re allowed up to
six transfers or withdrawals from your Share
account each month using the following:
• Checking overdraft protection
(there is a $1 fee for overdraft transfer
from savings to checking)
• Personal Telephone Access (PTA)
• Online Access
• Request by phone or fax
• Pre-authorized automatic electronic
funds transfer (ACH)
Once you reach the limit of six, your next
transfer or withdrawal request will be denied
– even if sufficient funds are available in
your savings account. In turn, this may
become an inconvenience and cause checks
to bounce.
You can make unlimited withdrawals and
transfers from your Share account each
month using the following methods:
• In person at any branch
• In person at any OptionTeller ATM
• In person at any network ATM
• In writing when sent by mail
Maximize Your NCUA
Share Insurance Coverage
Coverage increased from $100,000 up to $250,000
We’ve been getting questions from our members
about how well their deposits are insured at EECU.
The Emergency Economic Stabilization Act of 2008,
signed into law on October 3, 2008, increased the
federal insurance coverage on all accounts from
$100,000 up to $250,000 through December 31, 2009.
You can maximize your share insurance coverage by
maintaining different combinations of accounts and
ownership. For some examples, visit our website,
www.eecufresno.org, or visit the NCUA’s website,
www.ncua.gov and click the NCUA Share Insurance
Coverage Tool Kit link.
You may also contact the NCUA directly by calling
their Consumer Assistance Center between 8 a.m.
and 6 p.m. (EDT) at 1-800-755-1030, press 1 for share
insurance questions.
If you find yourself exceeding the six
restricted transaction types from your Share
account, you may consider other options
such as applying for an Overdraft Protection
Loan. This loan offers you instant access to
a credit line from $100 to $5,000 (based on
your qualifications). You may apply by
visiting our website or by calling our
Member Service Center at (559) 437-7700
or 1-800-538-EECU.
Educational
Employees
Credit Union
P.O. Box 5242
Fresno, CA 93755
www.eecufresno.org
P.O. Box 5242
Fresno, CA 93755
Local Calls (559 ) 437-7700
Toll-Free Nationwide
1-800-538-EECU
Experience
the difference.
Personal Telephone Access
(559) 276-2265 or 1-800-649-4PTA
Internet Access
SpecialEditi n
A
P U B L I C AT I O N
B Y
E D U C AT I O N A L
E M P L O Y E E S
C R E D I T
U N I O N
www.eecufresno.org
BRANCH & OPTIONTELLER ATM LOCATIONS
Fresno Offices
3488 W. Shaw, Fresno, CA 93711
455 E. Barstow, Fresno, CA 93710
• 5640 E. Kings Canyon Rd.
Fresno, CA 93727
• 1177 Van Ness, The Towers, Suite 100
Fresno, CA 93721
• 6745 N. Milburn, Fresno, CA 93722
• 9515 N. Sommerville Ave., Fresno, CA 93720
Looking for a
Surcharge-Free
ATM?
You have Questions.
We have Answers.
•
•
Just text your location to
our ATM locator…
Clovis Offices
•
•
430 Pollasky, Clovis, CA 93612
1660 Herndon Ave., #101, Clovis, CA 93611
EECU Direct
Deposit
Hanford Office
1460 W. 7th St., Hanford, CA 93230
Merced Office
127 W. El Portal, Suite A, Merced, CA 95348
Reedley Office
1729 E. Manning Ave., Reedley, CA 93654
Selma Office
Fraud Alert
2029 High St., Selma, CA 93662
Visalia Office
3612 S. Mooney Blvd., Visalia, CA 93277
Fake check scams – don’t be a victim
Additional OptionTeller ATMs
Clovis, 3180 Fowler Ave.
• Clovis, 1990 N. Fowler Ave. Ste. #103
• Clovis, 10309 N. Willow Ave.
• Fresno, 7467 N. Blackstone
• Fresno, 8973 N. Cedar
• Fresno, 796 W. Palmdon Ave.
• Fresno, 7686 N. Blackstone
• Fresno, 4409 W. Ashlan Ave.
• College Campuses
Fresno City College
Madera Center
Fresno Pacific University
West Hills College
•
With the advancement of computer technology,
it has become easier for criminals to create
counterfeit checks. This is often done with a simple
desktop publishing software or a color copier. Some
counterfeiters are better than others, and
sometimes it can be difficult to tell the difference
between a legitimate and counterfeit check. Here
are some “red flags” to look for to identify a
counterfeit check:
• The check lacks perforations
(Lemoore, Coalinga & Firebaugh)
Kerman, 15301 Whitesbridge Rd.
Kingsburg, 940 Sierra Ave.
• Madera, 1902 Howard Rd.
• Reedley, 385 W. Manning Ave.
• Sanger, 1905 7th St.
•
• The check number is missing, or if more
than one check is present, the check
number does not change
•
• The font type varies on different areas
of the check
Non-Branch EECU ATM Locations
Porterville, El Futuro Credit Union,
182 N. Main St.
Branch Hours
Monday – Thursday • 9 am to 5 pm
Friday • 10 am to 6 pm
Member Service Center Hours
Monday – Friday • 7 am to 7 pm
Saturday • 9 am to 1 pm
•
EQUAL HOUSING
LENDER
• Additions to the check (i.e. phone numbers)
may be handwritten
• The maker’s address is missing
©2008 Redbeard®/EDU-505
EECU Shred
Dates Are Back!
The Federal Government Regulation D limits
the number of transfers and withdrawals
that are made from a Share (savings)
account each month. Regulation D, also
known as Reg D, was established to limit
the number of transactions made from a
savings account. The Federal Government’s
philosophy is that “savings” should be strictly
for saving money. Contrary to a Share
account, an account with a high number of
deposits and withdrawals is considered a
“transaction” account.
Report Card • November 2008
EDUCATIONAL
EMPLOYEES
CREDIT UNION
• The drawee’s bank address is missing
• The number coding on the bottom of the
check is shiny
• Genuine magnetic ink appears dull
and non-glossy
• The check number on the bottom of the
check does not match the check number
elsewhere on the check
• The name of the payee appears to have
been printed by a typewriter
• The word VOID appears across the check
Counterfeit checks are frequently used to pay for
purchases made on the Internet. In this type of
scam, the purchaser tells the seller that they will
send a Cashier’s Check for the purchase price,
including shipping costs. Frequently, the purchaser
will also say that since the shipping costs aren’t
known at that time, they will send more than enough
money to cover this cost. The purchaser asks the
seller to wire the excess funds back once they
receive the check and ship the goods.
Unfortunately, when the seller realizes that the
Cashier’s Check is fraudulent, they will not only
be out their merchandise and the shipping
charge, but also the money that they wired back to
the seller prior to finding out the check is bad.
Take advantage
of EECU’s payroll
services! You’re eligible
for direct deposit if you
receive a paycheck from
a school district, a
government check such
as a federal agency
payroll or benefit check,
a check from PERS or
State Teachers’
Retirement or if your
employer is set up to
send funds
electronically.
Just call (559) 437-7700
or 1-800-538-EECU and
we’ll help you set up
direct deposit to
your account.
Holiday Closing
All EECU offices and the
Call Center will be closed:
November 11th –
Veterans Day
November 27th, 28th, & 29th –
Thanksgiving
Have a wonderful
holiday.
EECU announces another easy way for you
to find any of the 25,000 CO-OP Network
surcharge-free ATMs – via text messaging.
Whether you are traveling across town or
across the country, surcharge-free locator
access is in the palm of your hands.
It’s quick and easy!
Here’s how:
E-Z Loan: The easy way to get a quick loan
for the things you want
Q. Does EECU have a low-rate loan that I can get quickly and easily that
allows me to use the money any way I want?
A. Yes, we do! It is called the E-Z Loan. The solution is easy with EECU’s
E-Z Loan. This loan can be used for any purpose: vacation, new furniture,
landscaping, wedding expenses, taxes, or even holiday spending. It’s E-Z
to see why this loan is the perfect solution.
Whatever your needs are, you can borrow money and spread your
payments out for up to two years, depending on the loan amount:
*
• Borrow from $0 to $5,000 at a rate as low as 9.5% APR and take
12 months to pay off the loan.
• Borrow from $2,501 to $5,000 at a rate as low as 10.5% APR*
and take up to 24 months to pay off the loan.
The application process is also very E-Z. You can apply online at our
website, at any branch, or by calling our Member Service Center at
(559) 437-7700 or 1-800-538-EECU.
*APR =Annual Percentage Rate. Subject to credit approval.
• Send a text with
your current location:
address (including
city, state), zip code
or intersection – to
692667 (MYCOOP)*.
TEXT MESSAGE
To:
MYCOOP
Message:
3488 W. Shaw,
Fresno, CA 93711
• Within a minute, you
will receive a reply
with the nearest
CO-OP Network ATM.
• Need additional locations? Just text
“more” and the service will send the
next nearest ATM locations.
With 25,000 ATMs nationwide, CO-OP
Network is the largest surcharge-free credit
union ATM network in the United States.
CO-OP Network ATMs are also in 5,500
7-Eleven stores and in select Costco stores.
As an EECU member, you’ll never pay a
surcharge at any CO-OP Network ATM – just
one of the many perks of being a member!
*This is a free service, only standard text messaging rates
as set by your mobile carrier apply. This service may not
be available with all mobile carriers.
If you’re browsing online, you can visit www.co-opnetwork.org
to find the nearest CO-OP Network ATM, or use voice locator
by dialing 888-SITE-COOP (888-748-3266).
A Message from
Jim Vidak
A Message from
Dr. Sally L. Frazier
A Message from
Larry L. Powell
A Message from
Lee Andersen
Credit Union Elections
Tulare County
Superintendent of Schools
Madera County
Superintendent of Schools
Fresno County
Superintendent of Schools
Merced County
Superintendent of Schools
Our annual election to the Board of
Directors and Supervisory Committee is
May 2009.
On October 15, 2008, we celebrated the
achievements of 28 outstanding men and women
at the annual Tulare County Excellence in
Education Awards recognition breakfast. There is
a common thread that runs through the lives of
these extraordinary individuals – it’s their ability
to look to the future, bring inspiration and
encouragement and a belief that every student can
succeed. They remind us that leadership is not just
for people at the top. Everyone – through their
acts of kindness, caring nature and community
outreach – can empower our schools and open the
doors of opportunity for future generations.
Madera County’s Excellence in Education gala
awards is always an exciting event. Our nominees
and finalists represent the excellence we seek from
those dedicated to the success of our students.
Daily we see the results of their commitment to
students, service to others and the passion they
hold for the work they do.
As I begin my third year as Fresno County
Superintendent of Schools, I have the privilege of
recognizing the outstanding educators who offer
their personal best to our county’s 190,000+
students. The Educator of the Year Awards,
generously sponsored by Educational Employees
Credit Union, spotlight these exemplary
teachers, school employees and administrators
and acknowledge their dedication, talents
and expertise.
This is to thank and recognize Educational Employees Credit
Union for their generous support of the Merced County
Teacher of the Year Program. EECU has helped the whole
community become more aware of excellence in education.
They also give us the opportunity to honor our teachers
through the selection of exemplary award recipients.
We extend our appreciation to Educational
Employees Credit Union, its board of directors, and
President/CEO Beth Dooley for hosting this
wonderful occasion and celebrating 14 years of
excellence in our schools. The partnership between
the Tulare County Office of Education and
Educational Employees Credit Union is an important
one, because it focuses on the resiliency of our public
school system and those who serve our children.
Special thanks to the selection committee –
consisting of Tulare County business, community
and educational leaders – who diligently reviewed
all the candidates’ applications. We are delighted
with their participation and appreciate the efforts
Tulare County schools invest in honoring each and
every nominee.
Tulare County 2008
Excellence in Education Winners
Our Selection Committee, comprised of business
and community leaders from throughout the
county, painstakingly accepted the challenging
task of selecting our finalists! Committee
members marveled at the quality of our
nominees. This program serves many purposes –
one of which is to remind us all how important
our work in education is for our children and for
our future!
Madera County’s education community is deeply
grateful to Beth Dooley and the Educational
Employees Credit Union board of directors and
staff for their generosity in sponsoring the
Excellence in Education Awards Program. It is a
privilege to partner with an organization whose
commitment to our schools is genuine. We look
forward to our continued partnership with
Educational Employees Credit Union for years
to come.
Madera County 2008
Excellence in Education Winners
It is our pleasure, this year, to welcome Elizabeth
Dooley, President/CEO to EECU. Thanks to the
legacy of excellence and commitment to education,
we are able to partner with our credit union
friends/colleagues to recognize and showcase the
positive things that are taking place in our public
schools. Your contributions to our success are
immeasurable.
On behalf of the Fresno County Board of Education,
our 34 school districts, and all of the professionals
who work each day to bring out the best in our
students, we congratulate this year’s nominees,
finalists and winners. We applaud your passion and
thank you for making us proud to be your
colleagues. Congratulations!
Fresno County 2008
Educator of the Year Winners
Serve your community and run for office!
Those honored represent professional diversity in the
teaching profession. This year’s honorees include outstanding
educators from throughout Merced County, from elementary
teachers to special education and preschool teachers to
music instructors.
Their vision and passion for education is shared daily with
students, parents, faculty, and the community. These
teachers realize the essentials of education are commonly
listed as curriculum, instruction, and assessment, but
challenge themselves to form strong relationships with
students and use those bonds to instill life lessons in addition
to academic fundamentals.
The Merced County Office of Education gratefully
acknowledges Educational Employees Credit Union’s
support of this event and their commitment to education.
Merced County 2008
Teacher of the Year County Winner
Teacher of the Year
Teacher of the Year
County Teacher of the Year
Rebecca Bullick
Erik Lowry
Neriada Barba
Greg Christiansen
Mt. Whitney High School
Visalia Unified School District
Sierra Vista Elementary
Madera Unified School District
Liberty Intermediate School
Kerman Unified School District
Golden Valley High School
Merced Union High School District
Administrator of the Year
Administrator of the Year
Howard Berger
Steven Raupp
Victoria Armstrong
Superintendent
Tulare Joint Union High School
District
Yosemite High School
Yosemite Unified School District
Indianola Elementary School
Selma Unified School District
“The Merced County Teacher of the Year Awards
give us all an opportunity to pause from our busy
schedules and focus on the positive accomplishments
of our teachers, their hard work, and their dedication
School Employee of the Year
School Employee of the Year
School Employee of the Year
Jennie Daniels
Sally Condon
Steve Fusi
Woodlake Valley Middle School
Woodlake Union Elementary
School District
Yosemite Unified School District
Washington Union High
Washington Union High School
District
Photos taken by Roy Dressel Photography.
Photos taken by Ronee Copeland.
Photos taken by Michael Karibian.
The Supervisory Committee is also
responsible for selecting the credit union’s
external audit firm and overseeing the
annual audit of the credit union’s books
and records.
The deadline for submitting a candidate
application is February 13, 2009.
The Nomination/Volunteer Development
Committee will review applications and
The Merced County Teacher of the Year Awards give us all an
opportunity to pause from our busy schedules and focus on
the positive accomplishments of our teachers, their hard
work, and their dedication to the betterment of our children.
Teacher of the Year
Administrator of the Year
Three seats will be up for election on
the Board of Directors, and one seat
will also be available on the Supervisory
Committee. The Board of Directors attend
monthly meetings and work in conjunction
with credit union management to set goals
and policies, while the Supervisory
Committee meets every other month and
oversees the credit union’s internal audit
function to ensure that rules and
regulations governing the credit union
are followed.
to the betterment of our children.”
– Lee Andersen
Need Cash for College?
Apply for a $2,000 Education Grant
EECU understands that many students must
take out loans to pay for their education. Our
Education Grant Program was created to
provide financial assistance to our student
members. We are now accepting applications
for the 2009 Grant Program.
The program is open to EECU members
pursuing a post-high school education at a
community college, vocational/technical school,
university/college, or advanced professional
training in the United States.
Members who submit a completed application
and who meet the grant eligibility requirements
will have an opportunity to be considered for
one of fifty $2,000 grants.
The grant application is available on our
website or by calling (559) 437-7840. The
deadline to submit your completed application
package is 5:00 p.m. on December 12th.*
Volunteer for the Grant Selection
Committee
We need your help to review the grant
applications and select the 50 recipients.
We’re seeking approximately 18 credit union
members to serve on the selection committee
who are qualified to represent public,
technical and community schools/colleges.
Volunteers will serve on the committee during
January and February 2009.
Volunteer interest forms are available at any
EECU branch and on our website. Completed
forms must be returned by November 21st.
interview potential candidates prior to
placing names into nomination. Members
who are not nominated may still seek
election by submitting a petition
containing the verified signatures of 100
credit union members. The petitions
must be submitted by March 20, 2009.
Prior to February 13, potential candidates
must attend a scheduled meeting of the
Board of Directors or the Supervisory
Committee and an orientation session to
review the responsibilities of a director or
committee member. The table below lists
the scheduled meeting dates.
Members interested in running for an
elected position must meet specific
criteria for eligibility. For more
information, please call (559) 437-7714
or write to:
The Nomination / Volunteer
Development Committee
c/o Educational Employees Credit Union
P.O. Box 5242
Fresno, CA 93755
Board of Directors Meeting Dates
Supervisory Committee
Meeting Dates
Candidate
Orientation Dates
Candidate
Interview Dates
November 18, 2008
December 16, 2008
December 9, 2008
February 3, 2009
February 10, 2009
February 11, 2009
February 17, 2009
February 18, 2009
January 27, 2009
Holiday Safety Tips
Be cautious during this busy season
Shopping for the upcoming holiday season can present
some dangers. Following a few safety tips can help
keep the upcoming holiday season safe and joyous.
The holiday season is a time when busy people can
become careless and vulnerable to theft and other
holiday crime. The following tips can help you be more
careful and prepared during the holiday season:
• Do your shopping during daylight hours
whenever possible.
• If possible, do not carry a purse or wallet.
*EECU employees, officials, and their spouses and dependents are not eligible. Eligibility requirements are available online, or
by calling (559) 437-7840. Proof of enrollment is required for distribution of grant.
Photo taken by Michael Karibian.
• Stay alert to your surroundings.
• Avoid carrying large amounts of cash and always
carry cash in your front pocket.
• Pay for purchases with a check or credit card
whenever possible.
• Notify EECU immediately if your credit card
is lost, stolen or misused.
• Keep a record of all of your credit card numbers
in a safe place at home.
• Beware of strangers approaching you for any
reason. At this time of year, con-artists may try
various methods of distracting you with the
intention of taking your money or belongings.
A Message from
Jim Vidak
A Message from
Dr. Sally L. Frazier
A Message from
Larry L. Powell
A Message from
Lee Andersen
Credit Union Elections
Tulare County
Superintendent of Schools
Madera County
Superintendent of Schools
Fresno County
Superintendent of Schools
Merced County
Superintendent of Schools
Our annual election to the Board of
Directors and Supervisory Committee is
May 2009.
On October 15, 2008, we celebrated the
achievements of 28 outstanding men and women
at the annual Tulare County Excellence in
Education Awards recognition breakfast. There is
a common thread that runs through the lives of
these extraordinary individuals – it’s their ability
to look to the future, bring inspiration and
encouragement and a belief that every student can
succeed. They remind us that leadership is not just
for people at the top. Everyone – through their
acts of kindness, caring nature and community
outreach – can empower our schools and open the
doors of opportunity for future generations.
Madera County’s Excellence in Education gala
awards is always an exciting event. Our nominees
and finalists represent the excellence we seek from
those dedicated to the success of our students.
Daily we see the results of their commitment to
students, service to others and the passion they
hold for the work they do.
As I begin my third year as Fresno County
Superintendent of Schools, I have the privilege of
recognizing the outstanding educators who offer
their personal best to our county’s 190,000+
students. The Educator of the Year Awards,
generously sponsored by Educational Employees
Credit Union, spotlight these exemplary
teachers, school employees and administrators
and acknowledge their dedication, talents
and expertise.
This is to thank and recognize Educational Employees Credit
Union for their generous support of the Merced County
Teacher of the Year Program. EECU has helped the whole
community become more aware of excellence in education.
They also give us the opportunity to honor our teachers
through the selection of exemplary award recipients.
We extend our appreciation to Educational
Employees Credit Union, its board of directors, and
President/CEO Beth Dooley for hosting this
wonderful occasion and celebrating 14 years of
excellence in our schools. The partnership between
the Tulare County Office of Education and
Educational Employees Credit Union is an important
one, because it focuses on the resiliency of our public
school system and those who serve our children.
Special thanks to the selection committee –
consisting of Tulare County business, community
and educational leaders – who diligently reviewed
all the candidates’ applications. We are delighted
with their participation and appreciate the efforts
Tulare County schools invest in honoring each and
every nominee.
Tulare County 2008
Excellence in Education Winners
Our Selection Committee, comprised of business
and community leaders from throughout the
county, painstakingly accepted the challenging
task of selecting our finalists! Committee
members marveled at the quality of our
nominees. This program serves many purposes –
one of which is to remind us all how important
our work in education is for our children and for
our future!
Madera County’s education community is deeply
grateful to Beth Dooley and the Educational
Employees Credit Union board of directors and
staff for their generosity in sponsoring the
Excellence in Education Awards Program. It is a
privilege to partner with an organization whose
commitment to our schools is genuine. We look
forward to our continued partnership with
Educational Employees Credit Union for years
to come.
Madera County 2008
Excellence in Education Winners
It is our pleasure, this year, to welcome Elizabeth
Dooley, President/CEO to EECU. Thanks to the
legacy of excellence and commitment to education,
we are able to partner with our credit union
friends/colleagues to recognize and showcase the
positive things that are taking place in our public
schools. Your contributions to our success are
immeasurable.
On behalf of the Fresno County Board of Education,
our 34 school districts, and all of the professionals
who work each day to bring out the best in our
students, we congratulate this year’s nominees,
finalists and winners. We applaud your passion and
thank you for making us proud to be your
colleagues. Congratulations!
Fresno County 2008
Educator of the Year Winners
Serve your community and run for office!
Those honored represent professional diversity in the
teaching profession. This year’s honorees include outstanding
educators from throughout Merced County, from elementary
teachers to special education and preschool teachers to
music instructors.
Their vision and passion for education is shared daily with
students, parents, faculty, and the community. These
teachers realize the essentials of education are commonly
listed as curriculum, instruction, and assessment, but
challenge themselves to form strong relationships with
students and use those bonds to instill life lessons in addition
to academic fundamentals.
The Merced County Office of Education gratefully
acknowledges Educational Employees Credit Union’s
support of this event and their commitment to education.
Merced County 2008
Teacher of the Year County Winner
Teacher of the Year
Teacher of the Year
County Teacher of the Year
Rebecca Bullick
Erik Lowry
Neriada Barba
Greg Christiansen
Mt. Whitney High School
Visalia Unified School District
Sierra Vista Elementary
Madera Unified School District
Liberty Intermediate School
Kerman Unified School District
Golden Valley High School
Merced Union High School District
Administrator of the Year
Administrator of the Year
Howard Berger
Steven Raupp
Victoria Armstrong
Superintendent
Tulare Joint Union High School
District
Yosemite High School
Yosemite Unified School District
Indianola Elementary School
Selma Unified School District
“The Merced County Teacher of the Year Awards
give us all an opportunity to pause from our busy
schedules and focus on the positive accomplishments
of our teachers, their hard work, and their dedication
School Employee of the Year
School Employee of the Year
School Employee of the Year
Jennie Daniels
Sally Condon
Steve Fusi
Woodlake Valley Middle School
Woodlake Union Elementary
School District
Yosemite Unified School District
Washington Union High
Washington Union High School
District
Photos taken by Roy Dressel Photography.
Photos taken by Ronee Copeland.
Photos taken by Michael Karibian.
The Supervisory Committee is also
responsible for selecting the credit union’s
external audit firm and overseeing the
annual audit of the credit union’s books
and records.
The deadline for submitting a candidate
application is February 13, 2009.
The Nomination/Volunteer Development
Committee will review applications and
The Merced County Teacher of the Year Awards give us all an
opportunity to pause from our busy schedules and focus on
the positive accomplishments of our teachers, their hard
work, and their dedication to the betterment of our children.
Teacher of the Year
Administrator of the Year
Three seats will be up for election on
the Board of Directors, and one seat
will also be available on the Supervisory
Committee. The Board of Directors attend
monthly meetings and work in conjunction
with credit union management to set goals
and policies, while the Supervisory
Committee meets every other month and
oversees the credit union’s internal audit
function to ensure that rules and
regulations governing the credit union
are followed.
to the betterment of our children.”
– Lee Andersen
Need Cash for College?
Apply for a $2,000 Education Grant
EECU understands that many students must
take out loans to pay for their education. Our
Education Grant Program was created to
provide financial assistance to our student
members. We are now accepting applications
for the 2009 Grant Program.
The program is open to EECU members
pursuing a post-high school education at a
community college, vocational/technical school,
university/college, or advanced professional
training in the United States.
Members who submit a completed application
and who meet the grant eligibility requirements
will have an opportunity to be considered for
one of fifty $2,000 grants.
The grant application is available on our
website or by calling (559) 437-7840. The
deadline to submit your completed application
package is 5:00 p.m. on December 12th.*
Volunteer for the Grant Selection
Committee
We need your help to review the grant
applications and select the 50 recipients.
We’re seeking approximately 18 credit union
members to serve on the selection committee
who are qualified to represent public,
technical and community schools/colleges.
Volunteers will serve on the committee during
January and February 2009.
Volunteer interest forms are available at any
EECU branch and on our website. Completed
forms must be returned by November 21st.
interview potential candidates prior to
placing names into nomination. Members
who are not nominated may still seek
election by submitting a petition
containing the verified signatures of 100
credit union members. The petitions
must be submitted by March 20, 2009.
Prior to February 13, potential candidates
must attend a scheduled meeting of the
Board of Directors or the Supervisory
Committee and an orientation session to
review the responsibilities of a director or
committee member. The table below lists
the scheduled meeting dates.
Members interested in running for an
elected position must meet specific
criteria for eligibility. For more
information, please call (559) 437-7714
or write to:
The Nomination / Volunteer
Development Committee
c/o Educational Employees Credit Union
P.O. Box 5242
Fresno, CA 93755
Board of Directors Meeting Dates
Supervisory Committee
Meeting Dates
Candidate
Orientation Dates
Candidate
Interview Dates
November 18, 2008
December 16, 2008
December 9, 2008
February 3, 2009
February 10, 2009
February 11, 2009
February 17, 2009
February 18, 2009
January 27, 2009
Holiday Safety Tips
Be cautious during this busy season
Shopping for the upcoming holiday season can present
some dangers. Following a few safety tips can help
keep the upcoming holiday season safe and joyous.
The holiday season is a time when busy people can
become careless and vulnerable to theft and other
holiday crime. The following tips can help you be more
careful and prepared during the holiday season:
• Do your shopping during daylight hours
whenever possible.
• If possible, do not carry a purse or wallet.
*EECU employees, officials, and their spouses and dependents are not eligible. Eligibility requirements are available online, or
by calling (559) 437-7840. Proof of enrollment is required for distribution of grant.
Photo taken by Michael Karibian.
• Stay alert to your surroundings.
• Avoid carrying large amounts of cash and always
carry cash in your front pocket.
• Pay for purchases with a check or credit card
whenever possible.
• Notify EECU immediately if your credit card
is lost, stolen or misused.
• Keep a record of all of your credit card numbers
in a safe place at home.
• Beware of strangers approaching you for any
reason. At this time of year, con-artists may try
various methods of distracting you with the
intention of taking your money or belongings.
A Message from
Jim Vidak
A Message from
Dr. Sally L. Frazier
A Message from
Larry L. Powell
A Message from
Lee Andersen
Credit Union Elections
Tulare County
Superintendent of Schools
Madera County
Superintendent of Schools
Fresno County
Superintendent of Schools
Merced County
Superintendent of Schools
Our annual election to the Board of
Directors and Supervisory Committee is
May 2009.
On October 15, 2008, we celebrated the
achievements of 28 outstanding men and women
at the annual Tulare County Excellence in
Education Awards recognition breakfast. There is
a common thread that runs through the lives of
these extraordinary individuals – it’s their ability
to look to the future, bring inspiration and
encouragement and a belief that every student can
succeed. They remind us that leadership is not just
for people at the top. Everyone – through their
acts of kindness, caring nature and community
outreach – can empower our schools and open the
doors of opportunity for future generations.
Madera County’s Excellence in Education gala
awards is always an exciting event. Our nominees
and finalists represent the excellence we seek from
those dedicated to the success of our students.
Daily we see the results of their commitment to
students, service to others and the passion they
hold for the work they do.
As I begin my third year as Fresno County
Superintendent of Schools, I have the privilege of
recognizing the outstanding educators who offer
their personal best to our county’s 190,000+
students. The Educator of the Year Awards,
generously sponsored by Educational Employees
Credit Union, spotlight these exemplary
teachers, school employees and administrators
and acknowledge their dedication, talents
and expertise.
This is to thank and recognize Educational Employees Credit
Union for their generous support of the Merced County
Teacher of the Year Program. EECU has helped the whole
community become more aware of excellence in education.
They also give us the opportunity to honor our teachers
through the selection of exemplary award recipients.
We extend our appreciation to Educational
Employees Credit Union, its board of directors, and
President/CEO Beth Dooley for hosting this
wonderful occasion and celebrating 14 years of
excellence in our schools. The partnership between
the Tulare County Office of Education and
Educational Employees Credit Union is an important
one, because it focuses on the resiliency of our public
school system and those who serve our children.
Special thanks to the selection committee –
consisting of Tulare County business, community
and educational leaders – who diligently reviewed
all the candidates’ applications. We are delighted
with their participation and appreciate the efforts
Tulare County schools invest in honoring each and
every nominee.
Tulare County 2008
Excellence in Education Winners
Our Selection Committee, comprised of business
and community leaders from throughout the
county, painstakingly accepted the challenging
task of selecting our finalists! Committee
members marveled at the quality of our
nominees. This program serves many purposes –
one of which is to remind us all how important
our work in education is for our children and for
our future!
Madera County’s education community is deeply
grateful to Beth Dooley and the Educational
Employees Credit Union board of directors and
staff for their generosity in sponsoring the
Excellence in Education Awards Program. It is a
privilege to partner with an organization whose
commitment to our schools is genuine. We look
forward to our continued partnership with
Educational Employees Credit Union for years
to come.
Madera County 2008
Excellence in Education Winners
It is our pleasure, this year, to welcome Elizabeth
Dooley, President/CEO to EECU. Thanks to the
legacy of excellence and commitment to education,
we are able to partner with our credit union
friends/colleagues to recognize and showcase the
positive things that are taking place in our public
schools. Your contributions to our success are
immeasurable.
On behalf of the Fresno County Board of Education,
our 34 school districts, and all of the professionals
who work each day to bring out the best in our
students, we congratulate this year’s nominees,
finalists and winners. We applaud your passion and
thank you for making us proud to be your
colleagues. Congratulations!
Fresno County 2008
Educator of the Year Winners
Serve your community and run for office!
Those honored represent professional diversity in the
teaching profession. This year’s honorees include outstanding
educators from throughout Merced County, from elementary
teachers to special education and preschool teachers to
music instructors.
Their vision and passion for education is shared daily with
students, parents, faculty, and the community. These
teachers realize the essentials of education are commonly
listed as curriculum, instruction, and assessment, but
challenge themselves to form strong relationships with
students and use those bonds to instill life lessons in addition
to academic fundamentals.
The Merced County Office of Education gratefully
acknowledges Educational Employees Credit Union’s
support of this event and their commitment to education.
Merced County 2008
Teacher of the Year County Winner
Teacher of the Year
Teacher of the Year
County Teacher of the Year
Rebecca Bullick
Erik Lowry
Neriada Barba
Greg Christiansen
Mt. Whitney High School
Visalia Unified School District
Sierra Vista Elementary
Madera Unified School District
Liberty Intermediate School
Kerman Unified School District
Golden Valley High School
Merced Union High School District
Administrator of the Year
Administrator of the Year
Howard Berger
Steven Raupp
Victoria Armstrong
Superintendent
Tulare Joint Union High School
District
Yosemite High School
Yosemite Unified School District
Indianola Elementary School
Selma Unified School District
“The Merced County Teacher of the Year Awards
give us all an opportunity to pause from our busy
schedules and focus on the positive accomplishments
of our teachers, their hard work, and their dedication
School Employee of the Year
School Employee of the Year
School Employee of the Year
Jennie Daniels
Sally Condon
Steve Fusi
Woodlake Valley Middle School
Woodlake Union Elementary
School District
Yosemite Unified School District
Washington Union High
Washington Union High School
District
Photos taken by Roy Dressel Photography.
Photos taken by Ronee Copeland.
Photos taken by Michael Karibian.
The Supervisory Committee is also
responsible for selecting the credit union’s
external audit firm and overseeing the
annual audit of the credit union’s books
and records.
The deadline for submitting a candidate
application is February 13, 2009.
The Nomination/Volunteer Development
Committee will review applications and
The Merced County Teacher of the Year Awards give us all an
opportunity to pause from our busy schedules and focus on
the positive accomplishments of our teachers, their hard
work, and their dedication to the betterment of our children.
Teacher of the Year
Administrator of the Year
Three seats will be up for election on
the Board of Directors, and one seat
will also be available on the Supervisory
Committee. The Board of Directors attend
monthly meetings and work in conjunction
with credit union management to set goals
and policies, while the Supervisory
Committee meets every other month and
oversees the credit union’s internal audit
function to ensure that rules and
regulations governing the credit union
are followed.
to the betterment of our children.”
– Lee Andersen
Need Cash for College?
Apply for a $2,000 Education Grant
EECU understands that many students must
take out loans to pay for their education. Our
Education Grant Program was created to
provide financial assistance to our student
members. We are now accepting applications
for the 2009 Grant Program.
The program is open to EECU members
pursuing a post-high school education at a
community college, vocational/technical school,
university/college, or advanced professional
training in the United States.
Members who submit a completed application
and who meet the grant eligibility requirements
will have an opportunity to be considered for
one of fifty $2,000 grants.
The grant application is available on our
website or by calling (559) 437-7840. The
deadline to submit your completed application
package is 5:00 p.m. on December 12th.*
Volunteer for the Grant Selection
Committee
We need your help to review the grant
applications and select the 50 recipients.
We’re seeking approximately 18 credit union
members to serve on the selection committee
who are qualified to represent public,
technical and community schools/colleges.
Volunteers will serve on the committee during
January and February 2009.
Volunteer interest forms are available at any
EECU branch and on our website. Completed
forms must be returned by November 21st.
interview potential candidates prior to
placing names into nomination. Members
who are not nominated may still seek
election by submitting a petition
containing the verified signatures of 100
credit union members. The petitions
must be submitted by March 20, 2009.
Prior to February 13, potential candidates
must attend a scheduled meeting of the
Board of Directors or the Supervisory
Committee and an orientation session to
review the responsibilities of a director or
committee member. The table below lists
the scheduled meeting dates.
Members interested in running for an
elected position must meet specific
criteria for eligibility. For more
information, please call (559) 437-7714
or write to:
The Nomination / Volunteer
Development Committee
c/o Educational Employees Credit Union
P.O. Box 5242
Fresno, CA 93755
Board of Directors Meeting Dates
Supervisory Committee
Meeting Dates
Candidate
Orientation Dates
Candidate
Interview Dates
November 18, 2008
December 16, 2008
December 9, 2008
February 3, 2009
February 10, 2009
February 11, 2009
February 17, 2009
February 18, 2009
January 27, 2009
Holiday Safety Tips
Be cautious during this busy season
Shopping for the upcoming holiday season can present
some dangers. Following a few safety tips can help
keep the upcoming holiday season safe and joyous.
The holiday season is a time when busy people can
become careless and vulnerable to theft and other
holiday crime. The following tips can help you be more
careful and prepared during the holiday season:
• Do your shopping during daylight hours
whenever possible.
• If possible, do not carry a purse or wallet.
*EECU employees, officials, and their spouses and dependents are not eligible. Eligibility requirements are available online, or
by calling (559) 437-7840. Proof of enrollment is required for distribution of grant.
Photo taken by Michael Karibian.
• Stay alert to your surroundings.
• Avoid carrying large amounts of cash and always
carry cash in your front pocket.
• Pay for purchases with a check or credit card
whenever possible.
• Notify EECU immediately if your credit card
is lost, stolen or misused.
• Keep a record of all of your credit card numbers
in a safe place at home.
• Beware of strangers approaching you for any
reason. At this time of year, con-artists may try
various methods of distracting you with the
intention of taking your money or belongings.
Published monthly by:
Regulation D –
Know Your Options
With identity theft on the rise, EECU is offering its
members the opportunity to bring their personal
documents to EECU and have them destroyed for
FREE safely and confidentially.
Saturday, November 8th – Perrin Branch
Saturday, November 22nd – Reedley Branch
All Shred Events begin at 9:30 a.m. and end at noon.
You are encouraged to bring personal documents,
such as:
•
•
•
•
•
•
•
statements
cancelled or blank checks
credit card offers/information
medical records
personal bills
receipts
income tax records
Please limit your shredding to three boxes. Shred
events will close early if the shred truck is filled
to capacity.
Under federal regulation, you’re allowed up to
six transfers or withdrawals from your Share
account each month using the following:
• Checking overdraft protection
(there is a $1 fee for overdraft transfer
from savings to checking)
• Personal Telephone Access (PTA)
• Online Access
• Request by phone or fax
• Pre-authorized automatic electronic
funds transfer (ACH)
Once you reach the limit of six, your next
transfer or withdrawal request will be denied
– even if sufficient funds are available in
your savings account. In turn, this may
become an inconvenience and cause checks
to bounce.
You can make unlimited withdrawals and
transfers from your Share account each
month using the following methods:
• In person at any branch
• In person at any OptionTeller ATM
• In person at any network ATM
• In writing when sent by mail
Maximize Your NCUA
Share Insurance Coverage
Coverage increased from $100,000 up to $250,000
We’ve been getting questions from our members
about how well their deposits are insured at EECU.
The Emergency Economic Stabilization Act of 2008,
signed into law on October 3, 2008, increased the
federal insurance coverage on all accounts from
$100,000 up to $250,000 through December 31, 2009.
You can maximize your share insurance coverage by
maintaining different combinations of accounts and
ownership. For some examples, visit our website,
www.eecufresno.org, or visit the NCUA’s website,
www.ncua.gov and click the NCUA Share Insurance
Coverage Tool Kit link.
You may also contact the NCUA directly by calling
their Consumer Assistance Center between 8 a.m.
and 6 p.m. (EDT) at 1-800-755-1030, press 1 for share
insurance questions.
If you find yourself exceeding the six
restricted transaction types from your Share
account, you may consider other options
such as applying for an Overdraft Protection
Loan. This loan offers you instant access to
a credit line from $100 to $5,000 (based on
your qualifications). You may apply by
visiting our website or by calling our
Member Service Center at (559) 437-7700
or 1-800-538-EECU.
Educational
Employees
Credit Union
P.O. Box 5242
Fresno, CA 93755
www.eecufresno.org
P.O. Box 5242
Fresno, CA 93755
Local Calls (559 ) 437-7700
Toll-Free Nationwide
1-800-538-EECU
Experience
the difference.
Personal Telephone Access
(559) 276-2265 or 1-800-649-4PTA
Internet Access
SpecialEditi n
A
P U B L I C AT I O N
B Y
E D U C AT I O N A L
E M P L O Y E E S
C R E D I T
U N I O N
www.eecufresno.org
BRANCH & OPTIONTELLER ATM LOCATIONS
Fresno Offices
3488 W. Shaw, Fresno, CA 93711
455 E. Barstow, Fresno, CA 93710
• 5640 E. Kings Canyon Rd.
Fresno, CA 93727
• 1177 Van Ness, The Towers, Suite 100
Fresno, CA 93721
• 6745 N. Milburn, Fresno, CA 93722
• 9515 N. Sommerville Ave., Fresno, CA 93720
Looking for a
Surcharge-Free
ATM?
You have Questions.
We have Answers.
•
•
Just text your location to
our ATM locator…
Clovis Offices
•
•
430 Pollasky, Clovis, CA 93612
1660 Herndon Ave., #101, Clovis, CA 93611
EECU Direct
Deposit
Hanford Office
1460 W. 7th St., Hanford, CA 93230
Merced Office
127 W. El Portal, Suite A, Merced, CA 95348
Reedley Office
1729 E. Manning Ave., Reedley, CA 93654
Selma Office
Fraud Alert
2029 High St., Selma, CA 93662
Visalia Office
3612 S. Mooney Blvd., Visalia, CA 93277
Fake check scams – don’t be a victim
Additional OptionTeller ATMs
Clovis, 3180 Fowler Ave.
• Clovis, 1990 N. Fowler Ave. Ste. #103
• Clovis, 10309 N. Willow Ave.
• Fresno, 7467 N. Blackstone
• Fresno, 8973 N. Cedar
• Fresno, 796 W. Palmdon Ave.
• Fresno, 7686 N. Blackstone
• Fresno, 4409 W. Ashlan Ave.
• College Campuses
Fresno City College
Madera Center
Fresno Pacific University
West Hills College
•
With the advancement of computer technology,
it has become easier for criminals to create
counterfeit checks. This is often done with a simple
desktop publishing software or a color copier. Some
counterfeiters are better than others, and
sometimes it can be difficult to tell the difference
between a legitimate and counterfeit check. Here
are some “red flags” to look for to identify a
counterfeit check:
• The check lacks perforations
(Lemoore, Coalinga & Firebaugh)
Kerman, 15301 Whitesbridge Rd.
Kingsburg, 940 Sierra Ave.
• Madera, 1902 Howard Rd.
• Reedley, 385 W. Manning Ave.
• Sanger, 1905 7th St.
•
• The check number is missing, or if more
than one check is present, the check
number does not change
•
• The font type varies on different areas
of the check
Non-Branch EECU ATM Locations
Porterville, El Futuro Credit Union,
182 N. Main St.
Branch Hours
Monday – Thursday • 9 am to 5 pm
Friday • 10 am to 6 pm
Member Service Center Hours
Monday – Friday • 7 am to 7 pm
Saturday • 9 am to 1 pm
•
EQUAL HOUSING
LENDER
• Additions to the check (i.e. phone numbers)
may be handwritten
• The maker’s address is missing
©2008 Redbeard®/EDU-505
EECU Shred
Dates Are Back!
The Federal Government Regulation D limits
the number of transfers and withdrawals
that are made from a Share (savings)
account each month. Regulation D, also
known as Reg D, was established to limit
the number of transactions made from a
savings account. The Federal Government’s
philosophy is that “savings” should be strictly
for saving money. Contrary to a Share
account, an account with a high number of
deposits and withdrawals is considered a
“transaction” account.
Report Card • November 2008
EDUCATIONAL
EMPLOYEES
CREDIT UNION
• The drawee’s bank address is missing
• The number coding on the bottom of the
check is shiny
• Genuine magnetic ink appears dull
and non-glossy
• The check number on the bottom of the
check does not match the check number
elsewhere on the check
• The name of the payee appears to have
been printed by a typewriter
• The word VOID appears across the check
Counterfeit checks are frequently used to pay for
purchases made on the Internet. In this type of
scam, the purchaser tells the seller that they will
send a Cashier’s Check for the purchase price,
including shipping costs. Frequently, the purchaser
will also say that since the shipping costs aren’t
known at that time, they will send more than enough
money to cover this cost. The purchaser asks the
seller to wire the excess funds back once they
receive the check and ship the goods.
Unfortunately, when the seller realizes that the
Cashier’s Check is fraudulent, they will not only
be out their merchandise and the shipping
charge, but also the money that they wired back to
the seller prior to finding out the check is bad.
Take advantage
of EECU’s payroll
services! You’re eligible
for direct deposit if you
receive a paycheck from
a school district, a
government check such
as a federal agency
payroll or benefit check,
a check from PERS or
State Teachers’
Retirement or if your
employer is set up to
send funds
electronically.
Just call (559) 437-7700
or 1-800-538-EECU and
we’ll help you set up
direct deposit to
your account.
Holiday Closing
All EECU offices and the
Call Center will be closed:
November 11th –
Veterans Day
November 27th, 28th, & 29th –
Thanksgiving
Have a wonderful
holiday.
EECU announces another easy way for you
to find any of the 25,000 CO-OP Network
surcharge-free ATMs – via text messaging.
Whether you are traveling across town or
across the country, surcharge-free locator
access is in the palm of your hands.
It’s quick and easy!
Here’s how:
E-Z Loan: The easy way to get a quick loan
for the things you want
Q. Does EECU have a low-rate loan that I can get quickly and easily that
allows me to use the money any way I want?
A. Yes, we do! It is called the E-Z Loan. The solution is easy with EECU’s
E-Z Loan. This loan can be used for any purpose: vacation, new furniture,
landscaping, wedding expenses, taxes, or even holiday spending. It’s E-Z
to see why this loan is the perfect solution.
Whatever your needs are, you can borrow money and spread your
payments out for up to two years, depending on the loan amount:
*
• Borrow from $0 to $5,000 at a rate as low as 9.5% APR and take
12 months to pay off the loan.
• Borrow from $2,501 to $5,000 at a rate as low as 10.5% APR*
and take up to 24 months to pay off the loan.
The application process is also very E-Z. You can apply online at our
website, at any branch, or by calling our Member Service Center at
(559) 437-7700 or 1-800-538-EECU.
*APR =Annual Percentage Rate. Subject to credit approval.
• Send a text with
your current location:
address (including
city, state), zip code
or intersection – to
692667 (MYCOOP)*.
TEXT MESSAGE
To:
MYCOOP
Message:
3488 W. Shaw,
Fresno, CA 93711
• Within a minute, you
will receive a reply
with the nearest
CO-OP Network ATM.
• Need additional locations? Just text
“more” and the service will send the
next nearest ATM locations.
With 25,000 ATMs nationwide, CO-OP
Network is the largest surcharge-free credit
union ATM network in the United States.
CO-OP Network ATMs are also in 5,500
7-Eleven stores and in select Costco stores.
As an EECU member, you’ll never pay a
surcharge at any CO-OP Network ATM – just
one of the many perks of being a member!
*This is a free service, only standard text messaging rates
as set by your mobile carrier apply. This service may not
be available with all mobile carriers.
If you’re browsing online, you can visit www.co-opnetwork.org
to find the nearest CO-OP Network ATM, or use voice locator
by dialing 888-SITE-COOP (888-748-3266).
Published monthly by:
Regulation D –
Know Your Options
With identity theft on the rise, EECU is offering its
members the opportunity to bring their personal
documents to EECU and have them destroyed for
FREE safely and confidentially.
Saturday, November 8th – Perrin Branch
Saturday, November 22nd – Reedley Branch
All Shred Events begin at 9:30 a.m. and end at noon.
You are encouraged to bring personal documents,
such as:
•
•
•
•
•
•
•
statements
cancelled or blank checks
credit card offers/information
medical records
personal bills
receipts
income tax records
Please limit your shredding to three boxes. Shred
events will close early if the shred truck is filled
to capacity.
Under federal regulation, you’re allowed up to
six transfers or withdrawals from your Share
account each month using the following:
• Checking overdraft protection
(there is a $1 fee for overdraft transfer
from savings to checking)
• Personal Telephone Access (PTA)
• Online Access
• Request by phone or fax
• Pre-authorized automatic electronic
funds transfer (ACH)
Once you reach the limit of six, your next
transfer or withdrawal request will be denied
– even if sufficient funds are available in
your savings account. In turn, this may
become an inconvenience and cause checks
to bounce.
You can make unlimited withdrawals and
transfers from your Share account each
month using the following methods:
• In person at any branch
• In person at any OptionTeller ATM
• In person at any network ATM
• In writing when sent by mail
Maximize Your NCUA
Share Insurance Coverage
Coverage increased from $100,000 up to $250,000
We’ve been getting questions from our members
about how well their deposits are insured at EECU.
The Emergency Economic Stabilization Act of 2008,
signed into law on October 3, 2008, increased the
federal insurance coverage on all accounts from
$100,000 up to $250,000 through December 31, 2009.
You can maximize your share insurance coverage by
maintaining different combinations of accounts and
ownership. For some examples, visit our website,
www.eecufresno.org, or visit the NCUA’s website,
www.ncua.gov and click the NCUA Share Insurance
Coverage Tool Kit link.
You may also contact the NCUA directly by calling
their Consumer Assistance Center between 8 a.m.
and 6 p.m. (EDT) at 1-800-755-1030, press 1 for share
insurance questions.
If you find yourself exceeding the six
restricted transaction types from your Share
account, you may consider other options
such as applying for an Overdraft Protection
Loan. This loan offers you instant access to
a credit line from $100 to $5,000 (based on
your qualifications). You may apply by
visiting our website or by calling our
Member Service Center at (559) 437-7700
or 1-800-538-EECU.
Educational
Employees
Credit Union
P.O. Box 5242
Fresno, CA 93755
www.eecufresno.org
P.O. Box 5242
Fresno, CA 93755
Local Calls (559 ) 437-7700
Toll-Free Nationwide
1-800-538-EECU
Experience
the difference.
Personal Telephone Access
(559) 276-2265 or 1-800-649-4PTA
Internet Access
SpecialEditi n
A
P U B L I C AT I O N
B Y
E D U C AT I O N A L
E M P L O Y E E S
C R E D I T
U N I O N
www.eecufresno.org
BRANCH & OPTIONTELLER ATM LOCATIONS
Fresno Offices
3488 W. Shaw, Fresno, CA 93711
455 E. Barstow, Fresno, CA 93710
• 5640 E. Kings Canyon Rd.
Fresno, CA 93727
• 1177 Van Ness, The Towers, Suite 100
Fresno, CA 93721
• 6745 N. Milburn, Fresno, CA 93722
• 9515 N. Sommerville Ave., Fresno, CA 93720
Looking for a
Surcharge-Free
ATM?
You have Questions.
We have Answers.
•
•
Just text your location to
our ATM locator…
Clovis Offices
•
•
430 Pollasky, Clovis, CA 93612
1660 Herndon Ave., #101, Clovis, CA 93611
EECU Direct
Deposit
Hanford Office
1460 W. 7th St., Hanford, CA 93230
Merced Office
127 W. El Portal, Suite A, Merced, CA 95348
Reedley Office
1729 E. Manning Ave., Reedley, CA 93654
Selma Office
Fraud Alert
2029 High St., Selma, CA 93662
Visalia Office
3612 S. Mooney Blvd., Visalia, CA 93277
Fake check scams – don’t be a victim
Additional OptionTeller ATMs
Clovis, 3180 Fowler Ave.
• Clovis, 1990 N. Fowler Ave. Ste. #103
• Clovis, 10309 N. Willow Ave.
• Fresno, 7467 N. Blackstone
• Fresno, 8973 N. Cedar
• Fresno, 796 W. Palmdon Ave.
• Fresno, 7686 N. Blackstone
• Fresno, 4409 W. Ashlan Ave.
• College Campuses
Fresno City College
Madera Center
Fresno Pacific University
West Hills College
•
With the advancement of computer technology,
it has become easier for criminals to create
counterfeit checks. This is often done with a simple
desktop publishing software or a color copier. Some
counterfeiters are better than others, and
sometimes it can be difficult to tell the difference
between a legitimate and counterfeit check. Here
are some “red flags” to look for to identify a
counterfeit check:
• The check lacks perforations
(Lemoore, Coalinga & Firebaugh)
Kerman, 15301 Whitesbridge Rd.
Kingsburg, 940 Sierra Ave.
• Madera, 1902 Howard Rd.
• Reedley, 385 W. Manning Ave.
• Sanger, 1905 7th St.
•
• The check number is missing, or if more
than one check is present, the check
number does not change
•
• The font type varies on different areas
of the check
Non-Branch EECU ATM Locations
Porterville, El Futuro Credit Union,
182 N. Main St.
Branch Hours
Monday – Thursday • 9 am to 5 pm
Friday • 10 am to 6 pm
Member Service Center Hours
Monday – Friday • 7 am to 7 pm
Saturday • 9 am to 1 pm
•
EQUAL HOUSING
LENDER
Federally Insured by NCUA
• Additions to the check (i.e. phone numbers)
may be handwritten
• The maker’s address is missing
• The drawee’s bank address is missing
©2008 Redbeard®/EDU-505
EECU Shred
Dates Are Back!
The Federal Government Regulation D limits
the number of transfers and withdrawals
that are made from a Share (savings)
account each month. Regulation D, also
known as Reg D, was established to limit
the number of transactions made from a
savings account. The Federal Government’s
philosophy is that “savings” should be strictly
for saving money. Contrary to a Share
account, an account with a high number of
deposits and withdrawals is considered a
“transaction” account.
Report Card • November 2008
EDUCATIONAL
EMPLOYEES
CREDIT UNION
• The number coding on the bottom of the
check is shiny
• Genuine magnetic ink appears dull
and non-glossy
• The check number on the bottom of the
check does not match the check number
elsewhere on the check
• The name of the payee appears to have
been printed by a typewriter
• The word VOID appears across the check
Counterfeit checks are frequently used to pay for
purchases made on the Internet. In this type of
scam, the purchaser tells the seller that they will
send a Cashier’s Check for the purchase price,
including shipping costs. Frequently, the purchaser
will also say that since the shipping costs aren’t
known at that time, they will send more than enough
money to cover this cost. The purchaser asks the
seller to wire the excess funds back once they
receive the check and ship the goods.
Unfortunately, when the seller realizes that the
Cashier’s Check is fraudulent, they will not only
be out their merchandise and the shipping
charge, but also the money that they wired back to
the seller prior to finding out the check is bad.
Take advantage
of EECU’s payroll
services! You’re eligible
for direct deposit if you
receive a paycheck from
a school district, a
government check such
as a federal agency
payroll or benefit check,
a check from PERS or
State Teachers’
Retirement or if your
employer is set up to
send funds
electronically.
Just call (559) 437-7700
or 1-800-538-EECU and
we’ll help you set up
direct deposit to
your account.
Holiday Closing
All EECU offices and the
Call Center will be closed:
November 11th –
Veterans Day
November 27th, 28th, & 29th –
Thanksgiving
Have a wonderful
holiday.
EECU announces another easy way for you
to find any of the 25,000 CO-OP Network
surcharge-free ATMs – via text messaging.
Whether you are traveling across town or
across the country, surcharge-free locator
access is in the palm of your hands.
It’s quick and easy!
Here’s how:
E-Z Loan: The easy way to get a quick loan
for the things you want
Q. Does EECU have a low-rate loan that I can get quickly and easily that
allows me to use the money any way I want?
A. Yes, we do! It is called the E-Z Loan. The solution is easy with EECU’s
E-Z Loan. This loan can be used for any purpose: vacation, new furniture,
landscaping, wedding expenses, taxes, or even holiday spending. It’s E-Z
to see why this loan is the perfect solution.
Whatever your needs are, you can borrow money and spread your
payments out for up to two years, depending on the loan amount:
*
• Borrow from $0 to $5,000 at a rate as low as 9.5% APR and take
12 months to pay off the loan.
• Borrow from $2,501 to $5,000 at a rate as low as 10.5% APR*
and take up to 24 months to pay off the loan.
The application process is also very E-Z. You can apply online at our
website, at any branch, or by calling our Member Service Center at
(559) 437-7700 or 1-800-538-EECU.
*APR =Annual Percentage Rate. Subject to credit approval.
• Send a text with
your current location:
address (including
city, state), zip code
or intersection – to
692667 (MYCOOP)*.
TEXT MESSAGE
To:
MYCOOP
Message:
3488 W. Shaw,
Fresno, CA 93711
• Within a minute, you
will receive a reply
with the nearest
CO-OP Network ATM.
• Need additional locations? Just text
“more” and the service will send the
next nearest ATM locations.
With 25,000 ATMs nationwide, CO-OP
Network is the largest surcharge-free credit
union ATM network in the United States.
CO-OP Network ATMs are also in 5,500
7-Eleven stores and in select Costco stores.
As an EECU member, you’ll never pay a
surcharge at any CO-OP Network ATM – just
one of the many perks of being a member!
*This is a free service, only standard text messaging rates
as set by your mobile carrier apply. This service may not
be available with all mobile carriers.
If you’re browsing online, you can visit www.co-opnetwork.org
to find the nearest CO-OP Network ATM, or use voice locator
by dialing 888-SITE-COOP (888-748-3266).