A Quarterly Publication from allU.S. Credit Union
Start your New Year OFF RIGHT!
allNEWS
Holiday Skip-A-Pay
Happy HOLIDAYS! From allU.S. Credit Union
NewS you can use
Introducing JAZZ Advanced ONLINE BANKING
FALL 2017
From the board and staff at allU.S. Credit Union!
Introducing Jazz — Advanced Online Banking Get your account balances and other information View account transaction history View images of checks that have cleared your account Transfer money between your accounts Make loan and credit card payments Set up account alerts, such as balance notifications, to send to your email account or mobile phone Apply for a loan Check our website for the latest updates
Something Big is Coming to ONLINE BANKING at allU.S. Credit Union
allU.S. Credit Union is here to lighten up your budget! Simply take advantage of Skip-A-Payment, and we’ll let you skip your December 2017 or January 2018 loan payments.* This deal won’t shine on forever, so sign up for Skip-A-Pay today! •Skip-A-Payment requests are subject to approval, and limitations do apply. See website for complete details.
HOLIDAY FINANCES A Little Dim?
Email: Stay in the Know! Do we have your email address? We need a current email address to send you notices and product and service opportunities. Contact us today to update your personal information.
Holiday Closings The office will be closed the following days. To access your accounts when we are closed, log on to online banking, or get cash free of surcharge fees from one of the 30,000+ CO-OP® ATMs throughout the U.S. Christmas Day December 25 New Year's Day January 1 Martin Luther King, Jr. Day January 15
Beware of Holiday Scams Be on the lookout for scam artists who may attempt to defraud you during the holiday season. Stay alert and do not give your personal or card information in response to a phone call, text or email. Please remember that allU.S. Credit Union, and its representatives, will NEVER ask for your complete card number, PIN or the security code on the back of your card.
NEWS you can USE
You can now sign for your loan right from your sofa (or anyplace else you take your computer or mobile device) using DocuSign®! allU.S. Credit Union has entered into an agreement with DocuSign, the global standard for electronic signature, to begin using its new web document delivery system. DocuSign is currently used by more than 300 credit unions nationwide, helping them obtain signatures faster – whether for new member accounts, loan agreements or other documents. Documents can be signed anytime, anywhere, on any device, dramatically enhancing the member experience. It’s Secure and Encrypted DocuSign uses the highest levels of security to verify your identity when signing a document, and your documents are encrypted in transfer between you and allU.S. How It Works 1. We’ll email you a link to review your documents. 2. That link will lead you to a few questions to verify your identity, and guide you through creating an electronic signature (no special tools or software needed). It’s That Easy! You’re now ready to go through the document and just click to electronically sign and initial. Once you click “confirm,” you and allU.S. will both receive the signed document via email. We’ll take care of the rest. Though some of the benefits take place behind the scenes, our members will also see very real improvements, including faster turnaround times on documents, reduced costs (which are passed on to all members) and enhanced security. This is an excellent fit for the Credit Union and all of our members.
Meet
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Steer Clear of Payday Loans
What I like most about banking with allU.S. is that “I have always had great customer service. The employees remember my name and go out of their way to provide excellent service. They are extremely professional in their work and customer service, and I know I can count on them to answer my questions. I am always treated with respect, and every experience has been a pleasant one. I highly recommend allU.S. Credit Union.” How is allU.S. Positively Different from other banks? “I would never go back to a traditional bank after being with allU.S. What other bank makes you feel welcome? It has that warm, homey, bank-next-door atmosphere that I have not found anywhere else and customer service with a smile! Like it’s supposed to be!”
MEMBER of the Quarter
Over 14 years ago, Raymundo Lumbreras started his journey with allU.S. Credit Union.
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.
1. Check Your Credit Report 2. Pay Off Credit Card Debt 3. Create a Budget
2018
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. MoneyDesktop provides 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 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.
START YOUR NEW YEAR Off Right! FOR GETTING YOUR FINANCES ORGANIZED With Home Equity Lines of Credit as Low as 2.99% APR!*
Have the holidays snuck up on you? Don’t worry! You can still purchase great holiday gifts for your loved ones with a holiday loan from allU.S. Through December 31, qualifying members may borrow up to $1,500 for 12 months with rates as low as 6% Annual Percentage Rate. Our holiday loan can be used for more than just holiday expenses. Buy new furniture, take a trip, complete projects around the house, consolidate debt or use for just about anything else you need. Apply today for a holiday loan that's right for your budget, and get a head start on the holiday shopping season!
Check our website for more information
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Contact Us 1410 N Main St. Salinas, CA 93906 (adjacent to the El Gabilan Library) 800.692.2228 • 831.540.4627 alluscu.com/contact.cfm alluscu.com Follow Us
