What is a Debit Card Hold?
Skip-A-Pay to Save the Day!
There's a lot to Love this Summer at ECCU
In This Issue:
Exclusive Savings at Waldameer Park and Kennywood
None of the Stress. All of the Fun.
Easy Account Access with ECCU
Protect Your Identity with SHERPA and ECCU
An Erie Community Credit Union Mastercard® takes the stress out of paying for whatever you need in life – from the necessities to the niceties. Turn the savings of a low-rate Mastercard into your ticket to fun. Plus, Mastercard is accepted at hundreds of merchants worldwide and is perfect to use for travel, hotel stays and more! A Mastercard from ECCU means: Rates as low as 8.99% APR* No annual fee or cash advance fee No rate penalties No balance transfer fee 25-day grace period Don’t let a high-rate credit card or a tight budget hold you back – get out and enjoy life with a stress-free Mastercard from ECCU! Click here to apply! *Must join Erie Community CU or already be a member in good standing. APR=Annual Percentage Rate. Rate based on creditworthiness. Subject to lending guidelines. All other terms and conditions will apply in accordance with our current Mastercard credit card agreement.
Looking to get away this summer? A low-rate Vacation Loan from ECCU can help you reach your vacation destination! Whether your ideal getaway is lounging poolside, climbing a mountain or touring historical monuments, you can get the money you need for the vacation you've always dreamed of. Start planning your summer fun today! Vacation Loans are available now through August 31, 2017. Contact us to find out more about our great Vacation Loan! *Must join Erie Community Credit Union or already be a member in good standing to qualify for this offer. Effective June 1, 2017, through August 31, 2017. APR=Annual Percentage Rate. All rates based on creditworthiness. Your rate may vary. Must meet lending criteria. Payment example: The monthly payment with protection for a $2,000 loan at 4.24% for 12 months will be $173.35. Rates, terms and conditions are subject to change without notice. Certain restrictions apply.
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Kennywood is America’s Finest Traditional Amusement Park and the best destination near Pittsburgh for family-friendly fun! The park offers a unique mix of classic rides and modern thrills, including six roller coasters, a 14-ride Kiddieland and several attractions that cannot be found anywhere else. As an ECCU member, you can purchase Kennywood day passes for a discounted price of just $29! Online Ordering Instructions: (Printer required; you will need to print your tickets.) Visit www.kennywood.com/ eriecommunitycu. Click BUY NOW to purchase tickets. Enter the number of tickets you wish to purchase at the discounted price and click ADD TO CART. Click either CONTINUE SHOPPING or SECURE CHECKOUT and finish the transaction by providing your credit/debit card information. Print your tickets and redeem them at Kennywood’s main gate for unforgettable fun.
ECCU helps you save money with special discounts available exclusively to our members. Check out these deals and save big on summer fun!
Enjoy a fun-filled family amusement park and fabulous water park for the entire day! Discount tickets are available for Waldameer Park & Water World. ECCU members can save up to $4 off the regular admission price. Combo passes available for: Over 48" $34, a savings of $4 Under 48" $27, a savings of $2 Tickets are valid any day the park is open, no blackout dates. Visit www.waldameer.com for dates and hours of park operation. To purchase your discount tickets, stop in to any ECCU branch or follow the online steps below. Online Ordering Instructions: (Printer required; you will need to print your tickets.) Call the credit union to obtain our unique discount code. Visit www.waldameer.com. Click the red BUY TICKETS ONLINE button at the top of the home page. Click the purple BUY COMBO PASSES AND WALLY CARD button (third option down). Click the orange PROMO CODE button located at the top right of the screen. A pop-up will appear where you can enter the discount code. This field is case and space sensitive. After entering the code, you will be redirected to an Erie Community Credit Union co-branded web page. Follow the instructions to complete your order. Remember to print your tickets and keep them in a safe place. You will need them to gain access to the rides at the park.
Online Banking Access your account securely and conveniently – anytime, anywhere – with this service. Check account balances View account history View check images Transfer funds between your ECCU accounts And more Bill Pay Pay bills with the click of a button, 24/7 – and eliminate the hassle and costs of writing and mailing checks. Create merchant accounts and set due date reminders, or choose automatic payments and never miss a due date again! eStatements Banish clutter forever with eStatements! eStatements give you the same information as a paper statement, only much sooner and much more securely. You can access unlimited statement history and can easily save eStatements on your computer to quickly reference when needed. It’s easy, safe and convenient.
Knowing how much you’re juggling these days, ECCU would like to give you a hand with your busy schedule. We offer convenience services that let you easily manage your finances with just a tap or click on your home computer, laptop, tablet or mobile phone. Wherever your feet may take you, your fingertips can get you to your accounts with ECCU’s Online Banking or Mobile App.
Mobile App Download the ECCU Mobile Banking app to your iPhone® or Android™ device to manage your finances from your fingertips wherever you are! View real-time account balances Review transaction history Easily transfer funds between eligible accounts Search account activity Find nearby locations, ATMs and Shared Branching locations Deposit checks anytime, anywhere with Remote Deposit Capture* *Remote Deposit Capture eligibility requires credit union approval. Complete an application and submit it to any credit union representative to gain access. Mobile Alerts Avoid surprises and unwanted fees with text message alerts sent right to your phone. With Mobile Alerts,** you can stay on top of your finances, deter fraud, receive account alerts and more. Be alerted when: You have gone above or below a pre-determined balance Specific account activity has occurred A transaction above or below a specified level has posted Your loan payment is past due Text Banking Text Banking is the easiest way to access your ECCU accounts. Whether you have a smartphone or not, you will have access to your accounts in an instant! To get access to Text Banking,** you must set up your phone for Mobile Alerts. Then, simply text MENU to our five-digit code – 61802. After activation, follow a few easy-to-use commands, and you’ll have access to balances and transaction histories. You will also be able to make payments and transfer money within your account. **Although there is no charge from Erie Community Credit Union for these services, standard text and data rates from your mobile device provider may still apply. For more information about our convenience services and to sign up, visit www.erieccu.org.
Sometimes those monthly loan payments can feel like your greatest nemesis. POW! ZAP! BAM! It’s Skip-A-Pay from ECCU to the rescue! By warding off your monthly loan payment(s), you’ll free up that amount for any other needs or wants. Just think of the added hero status you’d gain by flying your family up, up and away on a vacation! All it takes to save the day and your budget is a $25 processing fee. So leap your monthly loan payment(s) in a single bound! Just go online or drop into any of our branches to complete a Skip-A-Pay form. *Loans must be of current status. Other restrictions may apply. A skipped loan payment may reduce any GAP insurance claim on insured vehicle loans. This offer does not apply to Mastercard, Mortgage, Home Equity or Credit Builder loans. $25 fee per skipped loan. See coupon for more information.
Using top protection technology, SHERPA equips you with the tools and guidance to help protect your personal information. While no product can prevent identity theft, SHERPA provides proactive monitoring to quickly identify fraudulent activity and put you on the right path forward should your information be compromised. With SHERPA, your identity is protected through a combination of services that includes ongoing credit monitoring and alerts; 24/7 internet surveillance with Digital Ally, SHERPA’s proprietary cyber‐surveillance technology; as well as lost wallet and full-service restoration solutions. Choose the right path for you with three different levels of protection. Don’t cross your fingers and hope for the best, choose SHERPA and its enhanced identity theft protection to lead the way. Click here to get started today!
Protect Your Identity with SHERPA and ECCU Today’s landscape can be a daunting place for your identity. Fortunately, SHERPA® Identity Protection can guide you through it, giving you the peace of mind and confidence you need to go about business as usual.
As more people turn to debit cards as a way to control expenses and avoid credit card debt, hotels have changed to accommodate customers who use debit cards for travel expenses. However, several possible surprises come with hotel debit card use. Monetary holds, surprise charges and embarrassing mistakes happen regularly, with some hotels now refusing debit cards altogether due to mishaps. Hotels that do accept debit cards may place “holds” on guests’ accounts of an amount above the cost of the room. The amount may show up as a charge in your Online or Mobile Banking account, but after your stay, the hotel will return any amount above your final bill. These holds are utilized as a “security deposit” for the hotel in the event you damage a room. The extra amount can also be used for additional charges you make to the room, like room service or minibar fees. The problem with these holds is that while a hold is in place, the funds are not available for you to use until the charge is reversed, which may take several days. To combat this problem, find out your hotel’s hold policies before you book. Ask if they accept traveler’s checks or cash for payment to avoid using a card altogether. If you must use a card, find out how much of a hold they will place on your card and how long it will last, and ask if the same policy applies to credit cards. Make sure you sign up for Mobile Alerts from ECCU so you know exactly when a hotel authorizes your card and when the money is no longer on hold.
Labor Day Monday, September 4, 2017
Independence Day Tuesday, July 4, 2017
Contact Us 1129 State Street Erie, PA 16501 (814) 455-6400 Fax (814) 452-1263 2165 W. 21st Street Erie, PA 16502 (814) 452-2152 Fax (814) 455-9199 9189 W. Ridge Road Girard, PA 16417 (814) 402-4020 Fax (814) 774-4858 Toll Free (800) 651-6582 www.erieccu.org
HOLIDAY CLOSINGS: