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CrossRoads FCU will be closed on Monday, September 6, 2010.
New eBill Pay Features
CU Credit Cards
Online Banking
Switch Kit
Debit Card Fraud
Credit Unions: A Better Bet Than Banks?
Holiday Closings
| Online Bill Pay --- New Features |
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A step above your current Online BillPay, BillPay Plus has additional features satisfying the experienced user!
* Make multiple payments from one screen
* Pay your bills from multiple accounts
* Email Payments
Send money to anyone with an email address and U.S. bank account. Perfect for getting emergency dollars to a college student or repaying a friend for lunch
* Transfer Payments
Make inter-bank fund transfers to personal accounts at other financial institutions
* Set payee and payment amount thresholds
This feature notifies the user if they scheduled a payment to a merchant over the established amount (i.e. Set a payee threshold for not paying the cable company more than $100)
* Payee Categorization
Organize payees by category for easier payment management
* Pending Payment Calendar
This provides a month at a glance pending payment overview. Stop or change a payment from the payment calendar
** AND MUCH MORE!
BillPay Plus is YOUR feature-rich product!
Click Here for Additional Information |
| Credit Union Credit Cards --- Still the Best! |
The Credit Card Disclosure Act of 2009 was intended by the government to tighten laws and protect consumers. But, as the February 22, 2010, effective date neared, many companies were doing all they could do to boost profits---even gouging cost-conscious consumers who maintain good credit.
In advance of the new regulations mean to protect you, some card issuers raised rates, jacked up minimum payments, lowered credit limits and added even more strange fees to protect their bottom line.
If you have a credit union credit card, you already know about the low-interest rate, low fees, reasonable grace period and great member service you receive with your credit union card. If you don’t have a credit union credit card, now is a great time to get a CrossRoads Visa card.
Credit unions weren’t involved in the abusive credit card practices—such as high over the limit fees and huge interest rate hikes that led to this law. Many credit unions were already in compliance with the new rules before they were proposed and you need to know how the law will affect you. The new law forces card issuers to show consumers everything. For example, if you generally make only the minimum pay each month, now you’ll see how long it will take to pay off your balance.
At CrossRoads, you get a better card and a better financial institution. The difference between credit unions and banks is that credit unions answer to a different group of owners—their members. As a member you receive better rates and service than if you’re a bank customer—which shareholders own.
Click Here for some tips to help you understand how the law will affect your credit card and how to avoid traps.
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Online Banking... with more for You!
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Introducing the new flash version of Perfect teller utilizing Adobe Flash. This version includes many new features, and also includes all those available in the earlier web version, including Visa payment transfers. Here’s a list of some of the new features:
- New members may self enroll into home banking online
- You may sort account history and also specify a date range
- Supports TXT, CSV, or QIF export download of history for MS Money and older quicken versions.
- Uses adobe FLASH Player which is currently installed on many computers or may be downloaded for free at www.adobe.com
Next time you click on Perfect Teller for your online banking experience, try out the new flash version!
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| Switch Kit |
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Make Your Move To CrossRoads Today!
We offer a valued added Preferred share draft/checking package with a small
monthly fee, or a free share draft/checking account. You are invited to
take advantage of these convenient services designed to take the stress out
of financial management.
Making the move to CrossRoads is easy! Use this Switch Kit form or pick up
a brochure at our office and let us help you save on something important in
your life---your time and money.
Click here for your Switch Kit Form!
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Protect Yourself from Debit Card Fraud
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Love your debit card? Keep in mind that as consumers use it more, thieves are also inventing new ways to 1980 steal our account information. Take steps to protect yourself:
- Watch for suspicious devices at restaurants and gas stations, where skimming crimes often occur
- Watch for signs of ATM tampering---loose connections, tape or loose wires
- Stand close to machines as you’re entering your PIN to protect yourself from hidden cameras
- Never let anyone enter your PIN for you
- Review your statements carefully for unauthorized charges.
- Close compromised accounts immediately and change PINs.
If you discover or suspect fraud, call us at 260-726-2142 to report it immediately. Your liability is limited to $50 per card if you report it within two business days. Your liability jumps to $500 if you report loses after two business days. Any loss reported more than 60 days after you receive a statement that includes an unauthorized charge is not valid. You’ll have more protection when you use your card as credit and sign your name than when you use it as debit with your PIN.
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| Credit Unions: A Better Bet Than Banks??? |
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Interest rates are low and could be heading lower. Bank failures are on the rise. And credit unions couldn't be happier.
Click Here to Contine reading the article. |
Holiday Closing
Schedule |
We will be closed on
the following days: |
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- Monday, September 6, 2010
- Monday, October 11, 2010
- Thursday, November 11, 2010
- Saturday, December 25, 2010
- Saturday, January 1, 2010
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