MEMBER OF THE QUARTER
A Quarterly Publication from allU.S. Credit Union
Women, Money &
The Longer Term
NewS you can use
Tips for Getting Your Finances Organized
1. Check your credit report.
a. Visit www.annualcreditreport.com to get your free report. It’s a good idea to pull one report from each of the three bureaus every four months. You should only enter your credit card information if you want to buy your score. Never pay for your credit report!
b. Verify that all information is reporting correctly. Report inaccuracies and dispute incorrect items with one of the bureaus, and that bureau will contact the other two bureaus.
2. Pay off credit card debt.
It is common to rack up credit card debt. Now is a great time to get those cards paid off or paid down. Here is a great place to start:
Do a MoneyDesktop™check-up.
MoneyDesktop is located at https://alluscu.com/online_banking.cfm. MoneyDesktopprovides you access to a personal financial management software program whereby online banking becomes a "hub" of financial activity. You can aggregate accounts from almost any financial institution, allowing you to track spending, create budgets and manage your debt for all of your accounts within the allU.S. online banking! Can you believe it is included and it is FREE?
3. Create a budget.
If you don’t already have a budget, chances are you may not know where to start. allU.S. makes creating a budget and sticking to it easy and understandable. We have great tools to help you take a good look at your financial picture and stay on track.
A budget will help you evaluate your financial health, get a snapshot of how much you should spend on various items in relation to your income, and create a budget that you can stick to.ORGANIZE YOUR BUDGET, which is the first step of setting up a concrete financial strategy for 2018. Studies show that people who make certain commitments related to their cash flow will feel more financially secure and may even begin to carry less debt. Review L Bee and the Money Tree to get some tips on getting your finances in tip-top shape in 2018.
Now that you have the information to kick-start your finances in 2018, what are you waiting for? Follow these steps for a great start to 2018. Contact an allU.S. member services representative for more information.
Wouldn’t it be nice if debit/credit cards came with a remote control switch? A switch that was activated by a mobile phone that could turn your debit/credit cards on and off instantly?
Your security is important to us. Here's a great way to put you in control and increase the security of your debit/credit card: Remote Control Cards.
You control your debit/credit card in real time, right from your smartphone.
If your card is lost or stolen, you can put a permanent block on the card.
You can also temporarily disable your card for any reason:
To ease worris about a potential data breach at a merchant where you shopped
To prevent unauthorized use if you plan to activate the card before each use
The process is simple:
You’ll need our free Mobile Banking app to use Remote Control, so sign up now.
Log in to your account from the allU.S. website or mobile app.
Tap the menu icon in the upper left of the screen.
In the Services section, select Remote Control Cards.
Select the card you want to enable or disable.
Choose Active, Disabled, Lost,
Active means the card is enabled and ready for use.
Disabled temporarily turns the card off until you re-activate it.
Lost or Stolen permanently cancels the debit/credit card.
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We strive to keep service fees as low as possible for our members. However, as costs increase, certain changes are necessary to sustain the financial health of the credit union while staying highly competitive in the marketplace. After careful analysis, the following account fees will become effective on October 1, 2018.
Expedited card order $30.00
Return or Undeliverable Mail $5.00
Statement copy $5.00
Paper statement in lieu of eStatement $5.00/mo.*
Notary fee for non-CU documents $5.00
*Monthly paper statements will continue to be free for our members age 60 and over.
Cut the Clutter and GO GREEN with FREE eStatements!
No more piles of unopened envelopes on your kitchen counter. No more waiting a week or more to receive your statement. Signing up is easy, you'll save a few trees, save expenses for the credit union and you'll get your statements sooner. Online statements are safe, secure, and available for you to access at your convenience.
CLICK HERE to sign up for eStatements!
Are you too focused on the immediate future?
How many short-term financial decisions do you make each week? You probably make more than a few, and they may feel routine. Yet, in managing these day-to-day issues, you may be drawn away from making the long-term money decisions that could prove vital to your financial well-being.
How many long-term financial decisions have you made for yourself? How steadily have you saved and planned for retirement? Have you looked into ideas that may help to lower your taxes, or preserve more of the money you have accumulated?
Start by taking inventory. Look at your investments and savings accounts: their balances and their purposes. Then, look at income sources: yours and those of your spouse or family, if applicable. Consider your probable or possible income sources after you retire: Social Security and others.
By taking inventory, you can see where your finances are, both in terms of your progress toward a financially stable retirement, as well as your retirement income. It may also illuminate potential new directions for you:
The need to save or invest more (especially since parenting or caregiving has the potential to, at some point, interrupt your career and/or a decrease your earnings).
The need for greater income (or additional income sources) down the road.
Risks to income and savings (and the need to plan greater degrees of insulation from them).
Devoting just an hour of attention to these matters may give you a clearer vision of your financial potential as well as your needs for tomorrow. Proceed from this step to the next: follow with another hour devoted to a meeting with an experienced financial professional.
Your financial goals are our priority. Our representative of Wealth Management can help you plan for retirement, college or other financial decisions. He'll review your current portfolio to ensure your investment strategies align with your financial goals, or if you're a first time investor, he'll work with you to develop the right plan.
And the Longer Term
At allU.S. Credit Union we are all family and since the beginning, over 12 years ago, the staff knows me by my first name. allU.S. gets involved with their members every step of the way in an effort to ensure their financial health. His experience with allU.S. led him to refer his family and they are all satisfied members as well.
We love to highlight the contributions of our members to the community. Greg, a local artist and former US Army Ranger, U.S. Marine and combat vet, was commissioned to paint a mural on the wall next to Dubbers in Old Town Salinas. The mural, titled Freedom, depicts five wild horses running through the Salinas Valley. Stop by and see Greg's progress on the mural.
WHY I'M PROUD TO BE A MEMBER OF allU.S. CREDIT UNION
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Open a Christmas Club Account Today!
It will provide that
extra money you need
for the holiday
To access your accounts when we are closed, go online to Jazz Advanced Banking, or get cash free of surcharge from one of the 30,000+ CO-OP ATMs throughout the U.S.
COLUMBUS DAY: MONDAY, OCT. 18
VETERANS DAY: MONDAY, NOV. 12
THANKSGIVING: THURSDAY, NOV. 22
& FRIDAY NOV. 23
CHRISTMAS: TUESDAY,DEC. 25
Did you know there is a coin machine in the branch?
One of our most popular free services is available in our branch. This machine quickly and accurately counts large amounts of coin.
"Beware of the little expenses. A small leak will sink a great ship."
- Benjamin Franklin
For those of you on the go, your account is accessible anywhere you can access your smartphone, tablet or PC – 24 hours a day,
7 days a week, 365 days a year – through Jazz Advanced Banking.
Jazz is the new and improved internet banking solution with a new design that includes features. You can:
See account balances and additional information in English or Spanish
View images of checks that have cleared your account
Transfer money between your accounts
Make loan and credit card payments
Remote control your debit and credit card if they are lost/stolen or misplaced
Apply for a loan
Open a new account
Securely send an email message to the credit union
Remote deposit your check
Set up your account with eAlerts or
E-ALERTS & TEXT ALERTS
You can manage and receive eAlerts of specific account activity. You can select a wide variety of alerts; you must always select a suffix, type of alert, email address or text.
Texts can be sent to either a cell phone or email address.
Our online money management tool empowers you to take control of your finances and simplify your life. Budgeting, account aggregation, categorization and mobile access are just a few of the tools to guide you along your way.
REMOTE CHECK DEPOSIT
Deposit checks into your account anywhere, anytime, anyplace with your smart phone or tablet. Your phone is instantly transformed into a branch, complete with a wide range of banking capabilities. Check balances, deposit checks, find the nearest branch or ATM, and more. Simply download the app and use your online banking credentials to register and log in (must be enrolled in online banking). It’s that easy!
And remember, because you are a valued member of allU.S., this service is offered to you absolutely FREE!
Tap into the most convenient way to bank – Jazz Advanced Banking
Click to learn more.
allU.S. is Proud to Announce
Jazz Advanced Banking
Reasons to go Cashless &
Ditch Paper Money
More and more people are leaving their cash in the bank and using their credit or debit cards for everything. In other words, paper forms of currency are out and digital payments are in. But, are cashless transactions feasible and practical? The answer is definitely yes. Here are a few reasons why going cashless is a great idea.
Convenience: You can shop, dine out, gas up and pay for your Uber with one small, lightweight card. Consumers and businesses all benefit from the speed and convenience of electronic and digital payments.
Security: Carrying cash makes you susceptible to robbery and cash is 100% gone and untraceable. If you carry a debit card, it is replaceable and any fraudulent activity is refundable. So, transitioning to cashless payment options enhances security and reduces risk. Utilizing cards keeps your money secured.
EMV chip technology: The use of EMV chip technology assures your account information is protected and your hard-earned money is safe from unauthorized use. And if for some reason your cards are lost or stolen, you can always have them blocked and replaced.
Going cashless creates a disciplined spender: Paying with cards gives you a record of all your transactions, allowing you to monitor your spending. Using a debit card can also prevent debt because you are only spending what you have in your bank account.
You always have exact change: How many times have you paid cash for an item that costs $5.02 with $6 and get .98 cents back. Now all you hear is that jingling in your pocket. If you had used a card, you wouldn’t have this very annoying problem.
Discounts: Many merchants (online and offline) offer discounts ranging between 2 – 20% for using a cashless form of payment.
Makes it difficult to borrow money: With little or no cash in your pocket, it is very difficult to lend money to those people who conveniently forget they even borrowed it.
Do you know how dirty money is? From a hygiene point of view, money is absolutely filthy. Do you know what nasty stuff can accumulate on a dollar bill after several years in circulation?
Buy now pay later: The arrival of credit cards that allow you to pay after 50-55 days without any interest payment is something that cash doesn’t offer. This is a blessing for people that run down their bank account balances.
Lastly, it’s green: Using cashless modes of payments helps in maintaining bills and records electronically, which in turn saves paper and thus saves a lot of trees.
Going completely cashless can bring a lot of convenience to your life
and make it easy to budget and avoid frivolous spending.
With the increasing digitalization of the economy, the time to make
the jump away from cash is now.
If you have any questions about how allU.S. can help you go cashless,
Steer Clear of Payday Loans
International Credit Union Day
Your Credit Union Can Help You Achieve Your Biggest Goals!
On October 18, credit unions around the world will join together to celebrate International Credit Union Day®. That’s 200+ million people from 57,000 credit unions in 105 countries celebrating together the credit union cooperative spirit.
At allU.S. Credit Union, you are always our top priority. We strongly believe in "People Helping People" movement, working towards financial well-being globally every day.
1410 N. Main St.
Salinas, CA 93906
(adjacent to the El Gabilan Library)
800.692.2228 • 831.540.4627