account information - Credit Union of Southern California

Transcription

welcome
San Gabriel Valley Postal Credit Union
TRANSITION GUIDE
W H AT ’ S I N S I D E ?
Important information about your credit union accounts.
Please review carefully and retain for your records.
PA G E 1
CUSoCal.org
562.698.8326 • Toll-free 866 CU SoCal (866.287.6225)
PAGE 2
2
3
QUICK REFERENCE GUIDE
Important Dates & Information, Account Conversion Chart 4
AN EASY TRANSITION
What Will Not Change, What May Change, and What Will Change 5
ACCOUNT INFORMATION
Membership, Dividends, Statements, and Regular Share (Savings) Accounts Overdraft Protection and Standard Overdraft Protection (CU SoCal Courtesy Pay) Checking Accounts, ATM and Visa® Debit Cards Special Savings, Money Market Accounts, Certificates, and IRAs Credit Cards Loans 6
7
8-9
10-11
12-13
14-15
ELECTRONIC SERVICES
Direct Deposits and Automatic Payments
Online and Mobile Banking, Bill Pay and eStatements
Online Banking Set-Up: A Step-By-Step Guide 16-17
18
19-21
WE’RE HERE FOR YOU
Website and Phone Numbers Branch Locations and Hours 22
22-23
ADDITIONAL BENEFITS
Auto Buying, Financial Education, Protection Plans, Real Estate Rewards, and Value+ Package Commitment to Our Communities 24
25
SAFE. SOUND. INSURED.
Privacy Policy Federal Insurance Guarantee Courtesy Pay Information Overdraft Protection Opt-In Form 26
27
28
29
MEMBERSHIP
Invitation Application 30
31-32
TIP: Read pages 4-5 first. They contain an overview of important information you’ll want to know.
PA G E 1
CUSoCal.org
to Credit Union of Southern California
WELCOME TO CREDIT UNION OF SOUTHERN CALIFORNIA
Mission, Vision, Values Welcome from the President/CEO WELCOME
Table of Contents
MISSION
Build Better Lives Through World-Class Service and Convenience.
VISION
Exceed Members’ and employees’ expectations, making CU SoCal
a significant financial competitor in Southern California.
VALUES
Everybody counts, everybody cares, everybody delivers, every day.
PAGE 2
On behalf of the entire team, welcome to Credit Union of Southern California (CU SoCal)! We look forward to
serving you and your family starting May 1, 2016.
San Gabriel Valley Postal Credit Union (SGV Postal CU) and CU SoCal share a long history of making a
positive difference for Members. Through our partnership, we’re honored to continue that legacy to bring you
and your family the best value for your Membership. As a Member-Owner of CU SoCal, you’ll enjoy the same
high-quality service you’ve experienced at SGV Postal CU as well as additional benefits such as more branch
locations, additional ATMs, extended hours, expanded services, and greater access to new technologies.
As with SGV Postal CU, Members are our number one focus. Maintaining the highest possible level of
service during this period of positive change is our utmost priority. Our teams are working diligently to make
our partnership process as seamless as possible for you. Together, we enthusiastically look forward to the
opportunity to serve all of your financial needs as a combined organization with the exceptional service you’ve
come to expect and deserve.
This Transition Guide has been created to help you make a smooth conversion to CU SoCal. Please carefully
review its contents. In addition to letting you know how your accounts will convert, it includes information
about new products and services available to you as a valuable Member of CU SoCal.
Again, welcome! Thank you for your support and for the privilege of continuing to serve your financial needs.
If you have any questions as we move forward with the integration of our two credit unions or what this
partnership means for you, please don’t hesitate to call us toll free at 866 CU SoCal (866.287.6225).
Sincerely,
Dave Gunderson
President/CEO
PA G E 3
CUSoCal.org
WELCOME to Credit Union of Southern California
Welcome to Credit Union of Southern California
Former San Gabriel Valley Postal Credit Union Members
QUICK REFERENCE GUIDE
Important Dates & Information
MAY 1
April 22, 2016
• SGV Postal CU Bill Pay and recurring payments scheduled
with SGV Postal CU Bill Pay will not continue after this
date. (See page 18 for additional information.)
April 30, 2016
• SGV Postal CU Online Banking will no longer be available
after 1 p.m. PDT. (See page 18 for additional information.)1
• Recurring payments scheduled with SGV Postal CU ATM
and/or Visa ® Debit Cards will not post after 1 p.m. PDT.
(See page 8 for additional information.)1
•After 1 p.m. PDT, funds available with your SGV Postal CU
ATM and/or Visa® Debit Cards will be limited. (See page 8 for
additional information.)
May 1, 2016
You are now a Member-Owner of CU SoCal, and your accounts
will automatically convert to a CU SoCal account type. You
may now:
• Conduct business at CU SoCal branches as well as CO-OP
shared branches and ATMs using your new CU SoCal
Member number.
•Begin using your CU SoCal ATM and/or Visa® Debit Card.
•Enroll in CU SoCal’s free Online Banking. (See page 19 for
additional information.)
1
•Begin calling CU SoCal’s Telephone Service Center at
866 CU SoCal (866.287.6225) for Member service.
This new phone number replaces your former SGV Postal CU
phone number.
•Download CU SoCal’s free Mobile Banking app for Apple or
Android devices at m.CUSoCal.org.
•Update your electronic withdrawals and deposits (ACH
transactions) with CU SoCal’s routing and transit number
(322283796) and your new Member number. (See page 16
for additional information.) SGV Postal CU checks and ACH
transactions will no longer clear effective November 1, 2016.
July 1, 2016
•SGV Postal CU Checking Account users will receive a free
box of CU SoCal corporate-image checks by this date.
(See page 8 for additional information.)
August 1, 2016
•The standard $2 paper statement fee will be waived until this
date. (See page 18 for additional information.)
November 1, 2016
•SGV Postal CU checks and ACH transactions will no longer
clear. (See page 16 for additional information.)
Please note that availability is based on our current integration schedule. As the integration progresses, some services may be available earlier or later than noted.
MAY 1, 2016 AUTOMATIC ACCOUNT CONVERSION CHART
Current Account (No action required)
New Account
SAVINGS ACCOUNTS—More information on page 6
Regular Share Savings
Regular Share Savings
Christmas Club
Holiday Saver
CHECKING ACCOUNTS—More information on page 8
Share Draft Checking
Value Checking
IRA ACCOUNTS—More information on page 10
Traditional IRA Share
PAGE 4
SGV Postal CU and CU SoCal have worked together to combine the best of
our products and make your account transition as easy as possible for you.
What Will Not Change
Account Access
Loans
Your SGV Postal CU branch will remain open for at least
six months with the same service hours you enjoy today.
Plus, you will gain access to a CU SoCal branch less than
three miles away in Covina, and 5,000 shared branches
and 2,000 self-service locations throughout the United
States, Puerto Rico, Guam, and military bases around
the globe.
There will be no changes to your loan terms or rates.
Your ability to take advances and make automatic
loan payments should continue uninterrupted. Should
a change become necessary at a later date, we will
personally notify those affected.
Great Service
CU SoCal is committed to providing Members with WorldClass Service. You will continue to receive the same
dedicated and friendly Member service from CU SoCal
that you received from SGV Postal CU.
Internal Account-to-Account and
Account-to-Loan Transfers
Your scheduled SGV Postal CU internal account-toaccount and/or account-to-loan transfers should continue
uninterrupted. Should a change become necessary at a
later date, we will personally notify those affected.
Protection Plans
The accidental death and dismemberment protection
plans you purchased through SGV Postal CU will continue
without changes. Should a change become necessary at a
later date, we will personally notify those affected.
Share Insurance
Your shares will continue to be protected by federal
deposit insurance provided through the National Credit
Union Share Insurance Fund (NCUSIF), a division of the
National Credit Union Administration and backed by the
full faith and credit of the United States Government.
What May Change
What Will Change
Overdraft Protection
Account Access
Your current overdraft protection, which is “linked” to
your SGV Postal CU Shares will continue in the order
you designated. In addition to this “linked” overdraft
protection, you may be eligible to receive additional
coverage on your checking account which would allow
the payment, rather than return, of non-sufficient fund
transactions. We call this type of non-linked overdraft
protection CU SoCal Courtesy Pay. (See page 28 for
more information.)
Members will have account access through more than
7,000 shared branches/self-service kiosks.
Change In Terms and Fee Schedule
Starting May 1, 2016, your credit union Membership
account terms and schedule of fees will change. Earlier
this month, you were mailed a packet of information
including a new Schedule of Fees and About Your Credit
Union Accounts brochure. We encourage you to review
these pieces and retain them for your records.
Membership Number
Your Membership number will change effective May 1, 2016.
IMPORTANT NOTE
Scheduled Electronic Payments
Please note: After 1 p.m. PDT on Saturday, April 30,
2016 funds available with your SGV Postal CU cards will
be limited to a total of $100 for POS and signature-based
transactions combined, and $110 for ATM withdrawals.
You may begin using your new CU SoCal cards, with
standard limits, after 6 a.m. PDT on Sunday, May 1,
2016. Please plan accordingly.
Electronic payments you have scheduled through SGV
Postal CU Bill Pay will not be made after April 22, 2016.
You will not have access to your SGV Postal CU Bill Pay
payees or bill payment history through CU SoCal’s Online
Banking platform. If you think you will need access to
your payees or history, consider printing them from SGV
Postal CU’s Online Banking before April 22, 2016.
PA G E 5
CUSoCal.org
AN EASY TRANSITION What Will Not Change, What May Change & What Will Change
AN EASY TRANSITION
ACCOUNT INFORMATION
Your Membership, Dividends, Statements,
and Regular Share (Savings) Accounts
IMPORTANT TO KNOW
Membership Number
Your Membership number will change. Your new CU SoCal Member number will
be provided to you before May 1, 2016.
Statements
Your statement schedule will remain as is. Plus, you will now have the ability
to safely and securely view account history online before a paper statement
can be delivered.
MAY 1, 2016 ACCOUNT CONVERSION CHART
Current Account New Account
Regular Share
Regular Savings
Christmas Club
Holiday Saver If you’d like to switch to a different account type, please let us know.
We’re happy to help you make the change.
FEATURES OF CU SOCAL SAVINGS ACCOUNTS
CU SoCal Regular Savings Account Features
• $10 minimum opening deposit
• $500 minimum to earn dividends if 21 years or older—otherwise, $1 minimum
CU SoCal Sub-Share Savings Account Features
• Open up to nine separate personalized accounts
• $5 minimum opening deposit
• $500 minimum to earn dividends if 21 years or older—otherwise, $1 minimum
PAGE 6
IMPORTANT TO KNOW
IMPORTANT TO DO
• Your current Overdraft Protection, which is “linked” to
your SGV Postal CU Shares will continue in the order
you designated.
•CU SoCal offers Overdraft Protection on your checking
account, which is “linked” to and can pull funds from
your CU SoCal Savings,1 Money Market Account,1 and
Unsecured Line of Credit.2 (See page 28 for more
information.)
•CU SoCal offers qualified Members extra financial
protection through our optional Standard Overdraft
Protection we call CU SoCal Courtesy Pay.3 Through
CU SoCal Courtesy Pay, we will pay, rather than return,
non-sufficient fund transactions on your accounts.
(See page 28 for more information.)
• Call us if you’d like more information about Overdraft
Protection or CU SoCal Courtesy Pay. We’re happy to help.
•Opt in to CU SoCal Courtesy Pay to cover your ATM and
everyday check card transactions by calling toll-free
866 CU SoCal (866.287.6225), completing the form
on page 29, or by logging into CU SoCal Online Banking
and clicking on “Check Services” and then “Courtesy Pay.”
PA G E 7
1
Regulation D limits the number of transactions on non-transaction accounts each
month.
2
Member must qualify for any new Line of Credit. Existing Lines of Credit will continue.
3
Standard Overdraft Protection (CU SoCal Courtesy Pay) is a non-contractual courtesy
which is available to qualified individuals and jointly-owned accounts in good standing
(see CU SoCal Courtesy Pay brochure at CUSoCal.org for further details). CU SoCal
Courtesy Pay limit is determined by your current account relationship with CU SoCal.
Accounts with direct deposit have a $1,750 limit. Accounts without direct deposit
have a $1,000 limit. Lower limits are available upon request. Unless the credit union
currently has your affirmative consent (opt in) on file, we will not pay your overdrafts for
ATM withdrawals and everyday debit card purchases at a store, online, or by telephone.
You must tell us you want overdraft coverage for these transactions.
CUSoCal.org
ACCOUNT INFORMATION Membership, Statements, Savings & Overdraft Protection
Your Overdraft Protection and Standard Overdraft Protection
(CU SoCal Courtesy Pay)
ACCOUNT INFORMATION
Your Checking Accounts, ATM and Debit Cards
IMPORTANT TO KNOW
Checking Accounts
• Your SGV Postal CU checks will continue to clear through
October 31, 2016.
• After our merger is complete, checking account users will
be mailed a free box of CU SoCal corporate-image checks.
Your new checks will be available for your use upon receipt.
We encourage you to begin using them immediately. If you
do not receive your checks by July 1, 2016, please call us
toll-free at 866 CU SoCal (866.287.6225).
• You may bring your SGV Postal CU checks to any branch
and we will gladly shred them for you at no charge.
ATM and/or Visa® Debit Cards
• Shortly before May 1, 2016, you will receive a new
CU SoCal ATM and/or Visa® Debit Card that will replace
your SGV Postal CU ATM and/or Visa® Debit Card.
• You will receive your new, randomly-selected CU SoCal ATM
and/or Visa® Debit Card PIN within a week after receiving
your card and before May 1, 2016. You may personalize
your PIN at any of our branches or ATMs after May 1, 2016.
Please be sure to bring your new CU SoCal ATM and/or
Visa® Debit Card, valid identification, and existing PIN with
you to change your PIN.
• Please continue to use your SGV Postal CU ATM and/or
Visa® Debit Card through April 30, 2016. Begin using your
new CU SoCal ATM and/or Visa® Debit Card after 6 a.m. on
May 1, 2016.
•Recurring payments scheduled with SGV Postal CU ATM
and/or Visa® Debit Cards will not post after 1 p.m. PDT on
April 30, 2016.
IMPORTANT TO DO
Checking Accounts
• Begin using your new CU SoCal checks upon receipt.
ATM and/or Debit Cards
• Discontinue using your SGV Postal CU ATM and/or Visa® Debit
Cards after April 30, 2016. Begin using your new CU SoCal
cards after 6 a.m. PDT on May 1, 2016.
•Plan accordingly for the limited availability of funds between
1 p.m. on April 30, 2016 and 6 a.m. on May 1, 2016.
• If you had recurring payments with your SGV Postal CU
ATM and/or Visa® Debit Card, update them with your new
CU SoCal ATM and/or Visa® Debit Card number on or after
May 1, 2016.
Current Account
New Account
Share Checking
Value Checking
Debit Checking
Value Checking
If you’d like to switch to a different account type, please let us know.
We’re happy to help you make the change.
IMPORTANT NOTE
Please note: After 1 p.m. PDT on Saturday, April 30, 2016 funds available
with your SGV Postal CU cards will be limited to a total of $100 for POS and
signature-based transactions combined, and $110 for ATM withdrawals.
You may begin using your new CU SoCal cards, with standard limits, after
6 a.m. PDT on Sunday, May 1, 2016. Please plan accordingly.
PAGE 8
ACCOUNT INFORMATION Checking Accounts, ATM & Visa Debit Cards
FEATURES OF CU SOCAL CHECKING ACCOUNTS
E-Z Earn Checking1
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Make 10 debit card purchase transactions each statement period and earn higher dividends
Free with eStatements, even if less than 10 debit card transactions are made
No minimum balance requirement to earn dividends
Initial minimum $100 deposit
FREE unlimited check writing
FREE Visa® Debit Card
FREE eServices, Online Bill Pay and eDeposit
FREE eStatements
FREE Mobile Banking at m.CUSoCal.org
FREE Mobile Banking app
FREE unlimited transactions at CO-OP Network and CU SoCal owned ATMs
Overdraft Protection and CU SoCal Courtesy Pay options
Value Checking
•
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Free with eStatements
No minimum balance requirement
FREE eStatements
FREE unlimited transactions at CO-OP Network and CU SoCal owned ATMs
Value+ Checking2
Earn competitive tiered dividends on balances of at least $5,000
$15,000 combined savings and loan balances required
Initial $5,000 minimum deposit to open account
No monthly fee, even if your balance falls below $15,000
FREE eStatements
FREE unlimited transactions at all ATMs3
1
E-Z Earn Checking Accounts must have a minimum of 10 debit card transactions, or 10 point-of-sale (POS) transactions, or a combination of both, totaling 10 posted
during the monthly statement cycle to obtain the higher Annual Percentage Yield as stated on the Rate Schedule. If you do not meet the minimum qualifications, your
account will earn the minimum dividend rate as stated on the Rate Schedule. E-Z Earn Checking requires a minimum opening balance of $100.
2
See page 24 for Value+ qualifications and benefits.
3
Surcharge may be imposed by other financial institution and will be disclosed at the ATM.
PA G E 9
®
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CUSoCal.org
CUSoCal.org
MAY 1
ACCOUNT INFORMATION
Your Special Savings (Shares) and IRAs
IMPORTANT TO KNOW
Your SGV Postal CU Christmas Club Account and Traditional IRAs will automatically convert to a CU SoCal account on May 1,
2016. For your reference, please review the table below.
Current Account
New Account
Christmas Club Account
Holiday Club Account
Traditional IRA Savings
If you’d like to switch to a different account type, please let us know. We’re happy to help you make the change.
Convenient Account Access
IMPORTANT TO KNOW
As a Member-Owner of CU SoCal, you will continue to have access 30,000 free CO-OP ATMs and will gain convenient account
access with additional branches through the CO-OP Shared Branch network.
The CO-OP Shared Branch network is the credit union industry’s national network for extending branch services to Members
between participating credit unions. Members may enter the branch of any other participating credit union and transact
account-related business as if they were in their own home branch.
CO-OP Shared Branch has surpassed Bank of America in the number of branch offices, and is the nation’s third largest network
of financial institution branches. In addition to more than 5,300 “live teller” branches, CO-OP Share Branch also
includes nearly 1,800 self-service kiosks within select 7-Eleven stores nationwide.
Look for these logos.
PAGE 10
Access Certificates
• Term of 6 months
• Unlimited deposits and penalty-free withdrawals (transaction limitations per Regulation D)
• Minimum $15,000 balance required
CUSoCal.org
Certificates
• Terms from 1 to 60 months
• Rate bonus available to Value+ Members
• Dividends paid monthly
CUSoCal.org
MAY 1
Holiday Saver Account
• Earns higher dividends than a traditional savings account
1
• $10 to open and $10MAY
minimum
monthly electronic deposit
• Penalty-free withdrawals from November through February1
IRA Certificate Types—Coverdell Educational, Roth, Traditional
• $25 minimum deposit to open
IRA Saving Account Types—Coverdell Educational, Roth, Traditional
• $5 minimum deposit to open
Money Market Account
•
•
•
•
Earn higher (tiered) dividends than with a traditional savings account
$2,500 to open and $2,500 daily balance to earn competitive dividends
No monthly fees
Transaction limitation per Regulation D
Summer Saver Account
• Earns higher dividends than a traditional savings account
• $50 to open and $50 minimum monthly electronic deposit
• Penalty-free withdrawals from June through September2
1
$25 fee for withdrawals from March through October for Value Members (Members with combined savings and loan amounts less than $15,000).
2
$25 fee for withdrawals from October through May for Value Members (Members with combined savings and loan amounts less than $15,000).
PA G E 1 1
CUSoCal.org
ACCOUNT INFORMATION Money Market Accounts, IRAs, Special Savings, Certificates
FEATURES OF CU SOCAL CERTIFICATES, SPECIAL SAVINGS ACCOUNTS & IRAS
ACCOUNT INFORMATION
Credit Cards
IMPORTANT TO KNOW
• CU SoCal’s credit card program received the highest
possible rating from Credit Card Connection for being
one of the most fair and ethical programs in the nation
and is “consumer advocate approved” by NerdWallet.
• Members may transfer balances from other financial
institutions free of charge (no balance transfer fee) to a
CU SoCal Visa® Credit Card at an introductory rate of
1.99% APR for 12 months.1
1
APR=Annual Percentage Rate. Offer valid only on non-CU SoCal and non-SGV Postal CU
balance transfers and does not apply to purchases. Members must credit qualify. Maximum
total transfer amount is limited to your approved credit line. Offer can expire at any time
without notice. Balance transfers within the promotional period will be at 1.99% fixed intro
APR for 12 months with a corresponding monthly periodic rate of .166% from the date they
are posted to the account. After that, the rate will change to a non-variable rate as low as
10.90% APR. We may end your introductory APR if your account is delinquent 60 days or
more. Promotion rate applies to Visa® Platinum and Classic Cards. Cash rebate program does
not apply to balance transfers or cash advances.
®
PAGE 12
ACCOUNT INFORMATION Credit Cards
FEATURES OF CU SOCAL CREDIT CARDS
Visa®—Classic
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Non-variable Annual Percentage Rate (APR)
No annual fee
No fee balance transfers
1.99% APR fixed intro rate on balance transfers1
No fee cash advances
Auto rental insurance and roadside dispatch
Personalized dispute assistance
25-day grace period on non-revolving balances
Visa®—Platinum
• 1% annual cash rebate program—paid on your anniversary date on accumulated purchases
of more than $1,500, excluding balance transfers and cash advances
• Non-variable APR
• No annual fee
• No fee balance transfers
• 1.99% APR fixed intro rate on balance transfers1
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$500,000 travel accident insurance
Emergency travel services
Share-Secured Visa® Credit Card2
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1
Credit limit up to 95% of your share-secured balance
Non-variable APR
No annual fee
Offer valid only on non-CU SoCal and non-SGV Postal CU balance transfers and does not apply to purchases. Members must credit qualify. Maximum total transfer
amount is limited to your approved credit line. Offer can expire at any time without notice. Balance transfers within the promotional period will be at 1.99% fixed intro
APR for 12 months with a corresponding monthly periodic rate of .166% from the date they are posted to the account. After that, the rate will change to a non-variable
rate as low as 10.90% APR. We may end your introductory APR if your account is delinquent 60 days or more. Promotion rate applies to Visa® Platinum and Classic
Cards. Cash rebate program does not apply to balance transfers or cash advances.
2
Pledge of Shares: In order to secure your obligations, you must keep on deposit the required amount in your regular share accounts until you repay your loan or your
account is converted from a “Share-Secured Visa.” If you default, we may apply these shares to pay the balance.
PA G E 1 3
CUSoCal.org
ACCOUNT INFORMATION
Your Loans
CU
IMPORTANT TO KNOW
Auto, Personal, and Share-Secured Loans
Your SGV Postal CU Auto, Personal, and Share-Secured Loans will automatically transfer to CU SoCal at the same rate and
terms you now enjoy. Your internal automatic loan payments should continue uninterrupted. Should a change become necessary
at a later date, we will personally notify those affected.
MAY 1
Home Loans
Your SGV Postal CU Home Loans will automatically transfer to CU SoCal at the same rate and terms you now enjoy. Your
internal automatic loan payments should continue uninterrupted. Should a change become necessary at a later date, we will
personally notify those affected.
PAGE 14
Commercial Lending
•Loan amounts up to $8,000,000
•Loan terms 5- to 15-year fixed- and adjustable-rate
programs with amortization up to 30 years, no points,
no seasoning requirements
•Eligible investment properties: single-family residences,
duplexes, triplexes, fourplexes, apartment buildings
Fast Funds
•Loan amounts from $200 to $500
•Quick funding—often same-day
•Three-month repayment schedule
Home Equity Line of Credit (HELOC)
•Interest-only payments for the first 10 years
•2.95% APR1 for the first 12 months
•No points, no up-front costs2
• HELOC-75 ($250,000 limit), HELOC-80 ($150,000
limit), HELOC-90 ($100,000 limit)
•A fully indexed rate of Prime plus 0.00%3 on our
HELOC-80
Home Equity Loan
•Available for up to 80% of your home’s combined
loan-to-value (CLTV) ratio from $10,000 to $150,000;
75% CLTV up to $250,0004
•Affordable terms up to 25 years
•Vacation home programs available
•Properties with construction work in progress may not
be eligible
Line of Credit, Personal
•Revolving unsecured personal line of credit
•Use as overdraft protection for your CU SoCal checking
•Credit limit up to $25,000 ($25,000 maximum
unsecured aggregate)
•Access via ATM, Online Banking, mail, in person, or phone
•No prepayment or application fee
Mortgage Loans
• 10-, 15-, 20-, or 30-year terms
•Adjustable- and fixed-rate financing
•No Cost, No Kidding Refinance Loan5
•5/5 adjustable rate mortgage (ARM)
•3% down payment option6
•Cash-back real estate reward program
•Jumbo financing available
•Flat $995 lender fee on most loans
•2nd Chance Mortgages
Share-Secured, Personal
•Loan amounts up to 95% of the available share balance
•Terms up to 120 months
Signature Loan, Personal
•Fixed-rate, unsecured personal loan
• Loans ranging from $500 to $25,000 ($25,000
maximum unsecured aggregate)
•Terms up to 60 months
Vehicle Loans
•Up to 100% fixed-rate financing on new autos with
terms up to 84 months and used autos with terms up to
72 months
•Up to 80% fixed-rate financing on new boats and trailers
with terms up to 120 months
•Up to 80% fixed-rate financing on new or used RVs,
motorcycles and motor homes, with extended terms
available
•Classic car loans
1
APR=Annual Percentage Rate. Rate is subject to change without notice, and adjusts quarterly after the first 12 months.
2
Member does NOT pay lender costs. Early closure cost reimbursement—if the HELOC is closed within 36 months of the open date, the Member will reimburse CU SoCal all closing
costs up to $400. Acceptable properties include single family, condominium, and two-, three-, or four-unit properties (as long as one unit is occupied by Member).
3
The rate is tied to the Prime Rate Index. Rates may adjust quarterly with a minimum floor rate of 4.5% and a maximum rate of 16%.
4
Estimated payment per $1,000 borrowed is $8.34.
5
For qualifying refinance transactions. Under this program, a lender’s credit is disclosed on the Good Faith Estimate to offset origination and third-party fees. Eligible loan amounts
from $200,000 to $417,000 on owner-occupied properties only. Maximum Loan to Value (LTV) up to 80% of the combined loan value for rate and term refinance. Must have a
minimum credit score of 740. Owner-occupied primary residence only.
6
Maximum LTV up to 97%.
CU SoCal is an equal housing lender. Members must credit qualify.
NMLS#454788
PA G E 1 5
CUSoCal.org
ACCOUNT INFORMATION Loans
FEATURES OF CU SOCAL LOANS
ELECTRONIC SERVICES
Your Direct Deposits and Automatic Payments
IMPORTANT TO KNOW
Payroll, Government, or Other Recurring
Direct Deposits
•Your payroll, government, or other recurring direct deposits
will continue without interruption at this time. However,
you will be required to update your credit union account
numbers and routing and transit number after May 1, 2016,
and before November 1, 2016.
•Beginning November 1, 2016, deposits made using your
SGV Postal CU information will no longer post.
Automatic Payments
•Your automatic payments will continue without changes
at this time. However, you will be required to contact your
payees to update your credit union account number and
routing and transit number on or after May 1, 2016, and
before November 1, 2016.
•Beginning November 1, 2016, payments made using your
SGV Postal CU information will no longer clear.
Social Security Automatic Payments
Routing and Transit Number
CU SoCal’s routing and transit number is 322283796.
Internal Account-to-Account and/or
Account-to-Loan Transfers
Your scheduled SGV Postal CU internal account-toaccount and/or account-to-loan transfers should continue
uninterrupted. Should a change become necessary at a later
date, we will personally notify those affected.
If you receive automatic payments from Social Security,
on or after May 1, 2016, contact their office at
1.800.772.1213 to update your account information. If you
would like assistance, please call us. We’re happy to help.
Setting Up New Direct Deposits
or Electronic Payments
Please be sure to use the following numbers when signing up
for any electronic deposits or withdrawals from your accounts:
Routing and Transit Number: 322283796
Account Number: (you will receive before May 1, 2016)
IMPORTANT TO DO
Provide your new CU SoCal account and routing and transit numbers to all electronic deposit originators and/or all organizations
you make automatic payments to.
PAGE 16
Apple Pay™
Mobile Banking
Use your CU SoCal credit and debit cards with Apple Pay
for an easy, secure, and private way to pay for purchases
using your qualified Apple device.
• FREE access to your CU SoCal accounts
from your smartphone 24/7
• Download CU SoCal’s Mobile Banking app at CUSoCal.org
• Deposit checks using your Apple or Android device with
Mobile eDeposit (Remote Deposit Capture)1
• Go to m.CUSoCal.org on your smartphone and enter your
CU OnLine™ password
ATMs
More FREE ATMs than the largest banking network.
To find an ATM:
• Visit CUSoCal.org
• Visit CU SoCal’s Mobile Banking site at m.cusocal.org
• Call toll-free 866 CU SoCal (866.287.6225)
• Text your location from your smartphone to MYCOOP
(692667)
• Download the ATM database to a GPS device at
co-opnetwork.org
Mobile eDeposit (Remote Deposit Capture)1
• Deposit checks quickly and securely using your Apple or
Android device
•Simply snap a picture of the front and back of your
endorsed check with your camera-ready device using
CU SoCal’s free Mobile Banking app
ePay
Online Banking
• FREE Online Bill Payment, enroll through Online Banking
• Set up new payees quickly and easily by choosing from
hundreds of pre-set merchants or by setting up your own
payees
• Safely and securely pay bills with one-time, recurring,
or periodic payments
• View billing history
•
•
•
•
•
•
•
•
eStatements
•
•
•
•
1
FREE eStatements and email notifications
View your statements as early as the first of each month
Print your statements any time
Access archived statements instantly (no time restriction
on archived CU SoCal statements)
MAY 1
FREE Online Banking (CU OnLine™)
View balances, account history, and check images
Set up various budgets and chart your spending
Find specific transactions by using key words
Transfer between any deposit and most loan accounts
Request withdrawals and loan advances
Create custom email or text account alerts
Securely transfer funds to and from CU SoCal and other
financial institutions
PhoneTeller
• FREE toll-free telephone banking 24/7
Accounts must be good standing. Not all account are eligible. Not available on business accounts.
PA G E 1 7
CUSoCal.org
ELECTRONIC SERVICES Direct Deposits, Automatic Payments, Online Banking & Bill Pay
FEATURES OF CU SOCAL ESERVICES
ELECTRONIC SERVICES
Your Online Banking, Bill Pay, and eService Convenience
IMPORTANT TO KNOW
Bill Pay
• SGV Postal CU Online Bill Pay will not be available after
April 22, 2016. Any payments, including recurring payments,
scheduled for payment after April 22, 2016, will not be made.
• Starting May 1, 2016, you may enroll in CU SoCal’s
Bill Pay.
Online Banking
• SGV Postal CU Online Banking will not be available after
1 p.m. PDT on April 30, 2016.
• Starting May 1, 2016, you may enroll in CU SoCal’s free
Online Banking (CU OnLine™) at CUSoCal.org.
eStatements
•Electronic statements (eStatements) are available at no
charge to securely and conveniently view account history
online before a paper statement can be delivered. And, you
may print your eStatement, should you wish a hard copy.
•CU SoCal’s $2 paper statement fee will be waived for all
former SGV Postal CU Members until August 1, 2016.1
Mobile Banking
• CU SoCal offers a free mobile app for your Apple or
Android device.
• You may also quickly access your accounts from CU SoCal’s
Mobile Banking site at m.CUSoCal.org.
Mobile eDeposit
CU SoCal offers a free service that allows you to deposit
checks using your Apple or Android device. This service is
called Mobile eDeposit. Simply snap a picture of the front and
back of your endorsed check with your camera-ready device
using CU SoCal’s free Mobile Banking app.
IMPORTANT TO DO
Online Banking
On or after May 1, 2016, Online Banking users will need to
enroll in CU SoCal’s free Online Banking (CU OnLine™) at
CUSoCal.org. From CU SoCal’s home page, click “Activate
Your Account Now” located below the Online Banking login.
You will use your new Member number and be given easy-tounderstand, step-by-step instructions to enroll. Please see
pages 19-21.
Bill Pay
To pay bills online, Bill Pay users will need to enroll in
CU SoCal’s free Bill Pay service within Online Banking
(CU Online™) and input their payee information.
eStatements
Please consider going paperless by enrolling in eStatements.
Follow the Online Banking Setup Step-by-Step Guide on
pages 19-21 and complete Step 6 to either enroll in or opt
out of eStatements. CU SoCal’s $2 paper statement fee will
be waived for all former SGV Postal CU Members until August
1, 2016.1
Mobile Banking
Download CU SoCal’s free Mobile Banking app for your Apple
or Android device. Or, quickly access your accounts from
CU SoCal’s Mobile Banking site at m.CUSoCal.org.
Fee is waived for Value+ Members, Members 17 years and younger or 64 years and older,
and for Members who have signed up for eStatements by the last day of the month during the
statement period.
1
PAGE 18
A Step-By-Step Guide
CUSoCal.org
Use this easy-to-follow guide to set up your CU SoCal Online Banking service.
MAY 1
TO BEGIN
Go to CUSoCal.org and click
“Activate your account now.”
Register—Enter your information
Step 1 of 6
typically 2-10 digits, primary account holder
Account Number:
last 4 digits only—Example: 1234
Social Security Number:
mm/dd/yyyy—Example: 05/31/1979
Birthday:
Accept:
Type YES to accept the following agreement(s):
– CU OnLine Disclosure & E-Sign Agreement
– Security information
– Privacy
– External Transfers Terms and Conditions
Start
Step 2 of 6
– Send Method –
▼
For your security, a registration passcode is required to complete the registration
process. This 6-digit passcode will be sent to your selected phone number or
email. Once you receive this passcode, enter the 6 digits on the next page.
NOTES: – This passcode is valid for 10 minutes.
– Text message passcodes are only valid for mobile phones.
Send Passcode
Cancel
Register—Confirm Registration Passcode
Step 2 of 6
Registration Passcode:
For your security, a registration passcode is required to complete the registration
process. This 6-digit passcode will be sent to your selected phone number or
email. Once you receive this passcode, enter the 6 digits on the next page.
NOTES: – This passcode is valid for 10 minutes.
– Text message passcodes are only valid for mobile phones.
Confirm Passcode
PA G E 1 9
Input your account number (this
is your new CU SoCal Member
number, not your ACH number)
and the last four digits of the
primary Member’s Social Security
Number as well as their birth
date. Review the online agreements
then type “Yes” to accept. Click
“Start” to continue.
Cancel
Register—Send Registration Passcode
Registration Passcode:
STEP 1 OF 6
Cancel
STEP 2 OF 6
From drop-down menu, select the
preferred method to receive your
verification code (by email, text,
or voice message). Click “Send
Passcode.” Your passcode will arrive
shortly.
PLEASE NOTE: You will have
25 minutes to complete the
online setup once you click “Send
Passcode.” During this time, it is
important that you do not navigate
away from this page. If you selected
the email option to receive your
passcode, please be sure to access
your email by opening a second
window or tab in your web browser.
After retrieving your passcode,
input the 6-digit number and click
“Confirm Passcode” to continue.
CUSoCal.org
ELECTRONIC SERVICES Direct Deposits, Bill Pay & Online Banking
ONLINE BANKING SET-UP
ONLINE BANKING SETUP
A Step-By-Step Guide
Register—Setup your Username and Password
Account Number:
Step 3 of 6
Enter your desired Username and
Password. Please note the rules listed
under “show username rules” and
“show password rules.” Your email
address must match the one that is
listed on your account. If no email
address is present, you may input an
email address of your choice. When
completed, “matches!” will appear
next to both the “Confirm Password”
and “Confirm Email” fields. Click
“Next” to proceed.
0000
Last Name:
Setup Username:
show username rules
Setup Password:
show password rules
confirm your password matches!
Confirm Password:
Email:
Confirm Email:
matches!
Next
Register—Setup your Security Questions
Account Number:
STEP 3 OF 6
Step 4 of 6
STEP 4 OF 6
Choose three different security
questions and type your corresponding
answers. Click “Next” to continue.
0000
Username:
Last Name:
Security Question 1:
– Choose a question –
▼
▼
▼
Answer:
Answer:
Answer:
Notes: • Challenge Questions must be unique
• Challenge Answers are not case sensitive
NOTE: You may want to record your
answers and retain them in a safe
place as you will be asked one of
these three security questions each
time you log in from a new computer
or have not selected the “Remember
This Computer” option. Click “Next”
to continue.
Next
PAGE 20
Think of a security phrase and
select a security image that you
would like to appear on the login
screen each time you login. This
security feature indicates that
you have correctly input your
username and have not been
redirected to an unsecure site.
Should the phrase or image
appear incorrectly, please stop
and contact CU SoCal. Click
“Next” to continue.
Register—Setup your Security Phrase and Image
Account Number:
Step 5 of 6
0000
Username:
Last Name:
Security Phrase:
A personal message—Example: Gone fishing
• Must not be blank
Security Picture:
Click on an image below to select your Security Picture.
• Must not be blank
More picture choices
Previous Next
Random
❍ Background
❍ KillerWhale
❍ CloseupLeaf
❍ OddFrog
Next
Update Mailing Preferences—eStatement Enrollment
Step 6 of 6
STEP 6 OF 6
Enter the “Verification Code” to
verify that you can read Adobe
Acrobat files. Click “Enroll in
eStatements” or “Unable to View
Code/Opt Out of eStatements*.”
Enter this code XXXXXX in the box below to verify you can read Adobe Acrobat files.
Verification Code:
Enroll in eStatements
Unable to View Code/Opt Out of eStatements*
*Paper statements are subject to the Schedule of Fees.
FINISHED!
You have now completed the
process. It may take a few
minutes to finish processing.
Working: Please wait while we complete your setup.
This may take up to 5 minutes to complete...
You must complete the entire registration process.
If you do not complete the process, you will need to start over.
Please do not refresh or navigate away from this page.
PLEASE NOTE: If you forget your username, you may click the “Forgot your username?” link in the Online Banking
portal on the CUSoCal.org home screen. Follow the onscreen instructions to retrieve it.
You may also call our phone center at 562.698.8326 Monday through Friday, 9 a.m. to 6 p.m., or Saturday, 9 a.m. to
1 p.m. A representative will be glad to assist you.
PA G E 2 1
CUSoCal.org
ELECTRONIC SERVICES—ONLINE BANKING SET-UP A Step-By-Step Guide
STEP 5 OF 6
WE’RE HERE FOR YOU
Website and Phone Numbers
You and your financial future are very important to us. Whether you want a quick answer to a small problem or need help
resolving a complex issue, we’re here for you. We look forward to serving you.
Mailing Address: P.O. Box 200, Whittier, CA 90608-0200
Website: CUSoCal.org
Email: info@CUSoCal.org
Fax: 714.990.5492
Telephone Service Center
562.698.8326
866 CU SoCal (866.287.6225)
Monday-Friday, 9 a.m.-6 p.m.
Saturday, 9 a.m.-1 p.m.
Online Banking (CU OnLine™)
CUSoCal.org
Mobile Banking
m.CUSoCal.org
Shared Branch Locations
CUSoCal.org
888.287.9475
Visit m.CUSoCal.org on your smartphone
PhoneTeller
562.945.2214 or 800.249.2328
Activate or Report a Lost or Stolen Debit Card
888.698.7241
ATM Locations
CUSoCal.org
866 CU SoCal (866.287.6225)
Visit m.CUSoCal.org on your smartphone
Text your location to MYCOOP (692667)
Branch Locations and Hours
Alhambra
Covina-San Bernardino
Ontario
900 S. Fremont Avenue (Mezzanine)
Mon–Thurs, 8 a.m.–6 p.m.
328 E. San Bernardino Road
Fri, 9 a.m.–5 p.m.
2777 E. Guasti Road, Suite 6
Mon & Fri, 9 a.m.–3 p.m.
Tues–Thurs, 9 a.m.–4 p.m.
801 Brookhurst Street
Mon–Thurs, 8 a.m.–4:30 p.m.
Fri, 8 a.m.–6 p.m.
El Monte
Pico Rivera
11024 Concert Street
Mon–Fri, 9 a.m.–6 p.m.
Brea
Fullerton
9330 Whittier Blvd
(Cash transactions at ATM only.)
2500 E. Imperial Hwy, Suite 170
Sat, 9 a.m.–1 p.m.
230 W. Wilshire Avenue
Mon–Fri, 9:30 a.m.–5:30 p.m.
Sat, 9 a.m.–1 p.m.
City of Industry
Garden Grove
17871 Colima Road
Sat, 9 a.m.–1 p.m.
11390 Stanford Avenue
Mon–Fri, 8:30 a.m.–4 p.m.
Costa Mesa
901 E. Whittier Blvd
Sat, 9 a.m.–1 p.m.
Anaheim
2501 Harbor Blvd
Mon, 9:30 a.m.–6 p.m.
Tues–Fri, 8:30 a.m.–4 p.m.
Covina-Azusa
1404 N. Azusa Avenue
Sat, 9 a.m.–1 p.m.
La Habra
Newport Beach-Library
1000 Avocado Avenue
Fri, 9 a.m.–5:30 p.m.
Sat, 9 a.m.–1 p.m.
Pomona
435 W. Mission Blvd, Suite 100
Fri, 9 a.m.–6 p.m.
Whittier—Greenleaf
8028 Greenleaf Avenue
Mon–Fri, 9 a.m.-6 p.m.
Sat, 9 a.m.–1 p.m.
Whittier—Marketplace
11749 Whittier Blvd
Sat, 9 a.m.–1 p.m.
PAGE 22
210
110
605
Covina
Alhambra
10
10
Ontario
El Monte
Pomona
710
57
60
60
71
5
Pico Rivera
City of Industry
605
Whittier
15
La Habra
710
105
Brea
5
Fullerton
91
91
605
Anaheim
57
55
Anaheim
405
22
Garden Grove
405
5
405
Costa Mesa 55
73
PA G E 2 3
Newport Beach
CUSoCal.org
WE’RE HERE FOR YOU Website, Phone Numbers, Locations & Hours
134
ADDITIONAL BENEFITS
Go to CUSoCal.org for Additional Details
Auto-Buying Service
CU SoCal is your complete auto resource. Whether you’re
looking to purchase a new or used vehicle, or obtain great
protection, we’re here to help. We’re delighted to provide
our Members with an auto-buying experience designed to
exceed even the highest expectations.
Financial Education and Credit Counseling
CU SoCal is pleased to provide a wide array of resources to
enhance your financial knowledge and empower you to make
healthy money-matter decisions. From FREE and personal
finance educational workshops to confidential financial
counseling, we’re here to help.
Investment Services1
Plan today for retirement, educational expenses, or other
financial goals. Find many investment choices through our
valuable partner, CUSO Financial Services, L.P. (CFS).*
• Financial Planning Services
• Individual Retirement Accounts (IRAs)
• Variable and Fixed Annuities
• College Savings
• Mutual Funds
• Stocks
• Bonds and ETFs
• Long-Term Care Insurance
• Life Insurance
• 401(k), 403(b), and 457 Tax-Sheltered Accounts
• Retirement Planning
• Pension and Retirement Plan Rollovers**
The CFS Financial Advisors at CU SoCal, are registered
1
through CFS, a broker dealer, and are available for a
complimentary introductory meeting.
Protection Plans
CU SoCal offers solutions to safeguard both your financial
security and the security of your loved ones. Products
include Accidental Death and Dismemberment (AD&D),
Guaranteed Asset Protection (GAP), Mechanical Repair
Protection (MRP), and Debt Protection.
Real Estate Rewards Program
CU SoCal Members may use Home Benefits Plus—a program
designed to help you buy or sell your home while providing
a cash rebate. Home Benefits Plus has created a network
of experienced real estate agents from across the United
States. These agents have agreed to provide you the very best
in service and professional advice, and rebate 25% of their
commission to you.2
Value+ Package
Special discounts and benefits are available to Members with
combined savings and loan balances of $15,000 or more.
This Value+ Package includes:
• Free paper statements
• Free checks
• Free ATM usage3
• Value+ Checking that earns dividends4
• .25% rate discount on select consumer loans5
• .10% rate bonus on most CU SoCal Certificates (any term)6
For a complete list of Value+ Package benefits, please visit
CUSoCal.org.
CHARTERED RETIREMENT PLANNING COUNSELORTM and CRPC® are register service marks of the College for Financial Planning.®
*Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and Registered Investment Advisor.
Products offered through CFS are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible
loss of principal. Investment Representatives are registered through CFS. The credit union has contracted with CFS to make non-deposit investment products and services available to credit
union Members.
**Before deciding whether to retain assets in an employer sponsored plan or roll over to an IRA, an investor should consider various factors including, but not limited to: investment options,
fees, and expenses, services, withdrawal penalties, protection from creditors and legal judgments, required minimum distributions and possession of employer stock.
2
When the transaction amount is less than $100,000, no rebate will be paid.
3
Surcharge may be imposed at foreign ATMs by other financial institution. Surcharges will be disclosed at the ATM.
4
All new accounts will be verified through ChexSystems® and are subject to approval.
5
Consumer loans do not include lines of credit, Visa® cards, or mortgage loans.
6
Not valid on Access Certificates.
PAGE 24
CU SoCal Helping Hands
Member Relations
The credit union philosophy of “People Helping People”
inspired CU SoCal employees in 1997 to form CU SoCal
Helping Hands. CU SoCal Helping Hands is a charitable
non-profit 501(3) (C) corporation that is driven by the
vision of treating Southern California’s needy families with
dignity and respect while providing the basic necessities
of life. The charity provides food, clothing, and financial
assistance to those in need and supports other worthy
charitable organizations.
Comprised of CU SoCal employees, our Member Relations
Committee meets each month to support a number of
charitable organizations and community events including
homeless and domestic abuse shelters, community
outreach programs for health and education, local
museums, music programs, and elderly assistance.
PA G E 2 5
CUSoCal.org
ADDITIONAL BENEFITS Financial Education, Value+ Package & Commitment to Community
Commitment to Our Communities
CUS
MAY 1
SAFE. SOUND. INSURED.
Privacy Policy
At CU SoCal, we’re committed to protecting the privacy and
security of our Members’ personal financial information. We
collect and maintain information about our Members to enable
us to protect the security of our Members’ accounts, conduct
business consistent with regulations, provide our Members
with information and offers on products and services to meet
financial needs, and to satisfy legal requirements.
The CU SoCal Privacy Policy describes how we collect and use
your non-public information and how we maintain the security
and confidentiality of this information. Please call us at
562.698.8326, toll-free at 866 CU SoCal (866.287.6225),
or email us at info@CUSoCal.org if you have any questions.
PROTECT YOURSELF ONLINE
We will never request personal information such as Social Security numbers, account numbers, passwords, PINs, addresses, or
birth dates from you via email. We will never include links to other sites asking for this information.
It is important that you do not respond to any email requesting personal information—even if it appears to come from a
legitimate source.
If you receive a suspicious email, please forward the email to info@CUSoCal.org or call us at 866 CU SoCal (866.287.6225).
PAGE 26
Keeping our Members’ funds safe is a top priority.
CU SoCal’s net worth is well above the National Credit
Union Administration’s (NCUA’s) well-capitalized
requirement. Our strong net worth provides a substantial
cushion to protect Members’ deposits in addition to
NCUA’s federal insurance guarantee.
Members’ shares will be protected by federal deposit
insurance provided through the National Credit Union
Share Insurance Fund (NCUSIF), a division of the
National Credit Union Administration, and backed by the
full faith and credit of the United States Government.
Your deposits will be federally insured by the NCUSIF to
at least $250,000.
It’s important to know that your funds can be insured to
a much higher level than $250,000 based on how your
accounts are structured. Depending on the type and
ownership of your accounts, you could have more than
$1 million in share insurance coverage.
Federally insured by NCUA
PA G E 2 7
CUSoCal.org
SAFE. SOUND. INSURED. Privacy Policy, Federal Insurance & Overdraft Protection
Federal Insurance Guarantee
CUSoCal.org
MAY 1
Courtesy Pay Information
Important to Know About Overdrafts and Overdraft Fees
An overdraft occurs when you do not have enough available
funds in your account to cover a transaction, but we pay it
anyway. We can cover overdrafts in two different ways:
• We have standard overdraft practices that come with your
account. Credit Union of Southern California (CU SoCal)
refers to this as CU SoCal Courtesy Pay.
• We also offer overdraft protection plans, such as a link to a
Savings Account or a Line of Credit—which is less expensive
than our standard overdraft practices. (Please refer to the
Schedule of Fees available online at CUSoCal.org.)
To learn more, ask us about these plans.
This notice explains our standard overdraft practices that we
call CU SoCal Courtesy Pay. The below language does not
apply to overdrafts that are linked to Savings Accounts or
Lines of Credit.
What are the standard overdraft practices that come with my
account?
We do authorize and pay overdrafts for the following types of
transactions, unless you opt out:
• Checks and other transactions made using your Checking or
Money Market Account number.
• Automatic bill payments, including those from your Savings
or Checking Accounts.
We do not authorize and pay overdrafts for the following types
of transactions unless you ask us to do so:
• ATM transactions.
• Everyday debit card transactions.
We pay overdrafts at our discretion, which means we do not
guarantee that we will always authorize and pay any type of
transaction.
If we do not authorize and pay an overdraft, your transaction
will be declined.
What fees will I be charged if CU SoCal pays my overdraft?
Under our standard overdraft practices:
• We will charge you a fee of $29 each time we pay an
overdraft.
• There is no limit on the total fees we can charge you for
overdrawing your account.
What if I want CU SoCal to authorize and pay overdrafts on my
ATM and everyday debit card transactions?
If you also want us to authorize and pay overdrafts on ATM and
everyday debit card transactions, you may opt in by logging
into CU SoCal Online Banking and clicking on “Check Services”
and then “Courtesy Pay,” by calling toll-free 866 CU SoCal
(866.287.6225), or by completing the form on page 29 and
mailing it to P.O. Box 200, Whittier, CA 90608-0200, faxing it
to 714.671.2753, or dropping it off at any CU SoCal branch.
PAGE 28
Overdraft Authorization | CU SoCal COURTESY PAY
If you want us to authorize and pay overdrafts on everyday ATM & DEBIT CARD transactions, complete this form and mail it to
P.O. Box 200, Whittier, CA, 90608-0200, faxing it to 714.671.2753, or drop it off at any CU SoCal branch.
I/we understand about the benefits of CU SoCal Courtesy Pay and wish to select the following options listed below.
(Please check all that apply.)
o YES, I authorize CU SoCal to pay overdrafts on my everyday ATM and DEBIT CARD transactions via Courtesy Pay on the
following accounts:
o CHECKING
Account #____________________________________________
o SAVINGS/SHARE
Account #____________________________________________
o SECONDARY SAVINGS/SHARE
Account #____________________________________________
o MONEY MARKET
Account #____________________________________________
o NO, I do NOT want CU SoCal to pay overdrafts on my everyday ATM and DEBIT CARD transactions via Courtesy Pay on the
following accounts:
o CHECKING
Account #____________________________________________
o SAVINGS/SHARE
Account #____________________________________________
o SECONDARY SAVINGS/SHARE
Account #____________________________________________
o MONEY MARKET
Account #____________________________________________
o I want to OPT OUT of the CU SoCal Courtesy Pay Program completely.
I understand that in the event any CHECKS, ATM/DEBIT Card and/or ACH transactions are not cleared due to insufficient and/
or unavailable funds in my/our account, I/we agree that I/we are responsible for any fees assessed by Credit Union of Southern
California (CU SoCal) and other parties.
Signature:
Date:
Print Name:
Account #:
Primary Account Holder’s Email:
IF YOU HAVE ADDITIONAL ACCOUNTS on which you want us to authorize and pay overdrafts on everyday ATM and debit
card transactions, please print additional copies of this page as needed.
PA G E 2 9
P.O. Box 200 | Whittier, CA 90608-0200 | 714.671.2753 Fax | 866.287.6225 | info@CUSoCal.org | CUSoCal.org
A Membership Invitation for Your Family
Your family is welcome to join CU SoCal. Eligible
family Members include your spouse, children, parents,
siblings, grandparents, grandchildren, stepparents,
stepchildren, and stepsiblings. Simply have them go
online to CUSoCal.org or complete and return the
enclosed application.
For each new CU SoCal Member you refer, you’ll get
two movie tickets!1 Go ahead—spread the word!
1
Membership is open to those who live, work, worship, or attend school in Los Angeles, Orange or
San Bernardino counties. Membership is subject to eligibility. Referrer must be a CU SoCal Member.
Referring Member will receive two movie tickets for each referred new CU SoCal Member who opens
a CU SoCal Account. All new accounts will be verified by ChexSystems® and are subject to approval.
Offer expires 12/31/16 and is subject to change without notice.
PAGE 30
Membership Application
I am:
 A new Member
 Making a change to my current account
To become a CU SoCal Member, go online to CUSoCal.org org or complete the application below and sign where indicated.
Enclose a check or money order for your $15 Membership fee ($10 Membership Par Value, $5 one-time Membership fee; fee is
waived with eStatements), the minimum deposit required for requested accounts and a copy of your driver’s license or state ID
with current address for primary and joint owners. Then securely seal these documents and bring to a branch or mail to CU SoCal.
Please sign me up for:
Please contact me for:
 Money Market
 ATM/Debit Card
Savings
 Certificate/Access Certificate
 Online Banking (CU OnLine™)
 Summer/Holiday Saver
 FREE Checking with eStatements
PhoneTeller
 Value  Value +  E-Z-Earn
Primary Member Information
 Fixed/Adjustable Mortgage loan
 HELOC/Home Equity loan
Other______________________
Joint Owner Information
Primary Member Name (print)
Social Security #
Joint Member Name (print)
Social Security #
Physical Address
City
State
Zip
Physical Address
City
State
Zip
Mailing Address (if different)
City
State
Zip
City
State
Zip
Home Phone
Business Phone
Cell Phone
Home Phone
Business Phone
Cell Phone
Date of Birth
Driver’s License # / ID #
Mother’s Maiden Name
Date of Birth
Current Position
Employer
Employer
Email Address
Email Address
Current Position
Social Security #
Social Security #
Physical Address
City
State
Zip
Physical Address
City
State
Zip
City
State
Zip
City
State
Zip
Home Phone
Business Phone
Cell Phone
Home Phone
Business Phone
Cell Phone
Date of Birth
Date of Birth
Current Position
Employer
Employer
Email Address
Current Position
Email Address
Designation of Beneficiary
(Pay-on-Death Payee)
In the event of my death and all other joint owners predecease me, I hereby designate the persons* whose name appears below as my beneficiary to receive any and all amounts in
this account.
Name of Beneficiary 1
Relationship to Member
Address
City
State
Zip
Address
City
State
Zip
Address
City
State
Zip
Address
City
State
Zip
*If more than one beneficiary is named, amounts will be divided equally among all beneficiaries.
PA G E 3 1
New Account #
P.O. Box 200 | Whittier, CA 90608-0200 | 714.671.2753 Fax | 866.287.6225 | info@CUSoCal.org | CUSoCal.org
Membership Application
Overdraft Protection
Checking Account overdrafts will be covered by a transfer* from (you may choose from a Savings, Checking, Money Market or Line of Credit account).
*NOTE: Regulation D limits the number of withdrawals on non-transaction accounts each month. A maximum total of six (6) pre-authorized
share transfers may occur during a calendar month. If no funds are available, we may cover your transaction using CU SoCal Courtesy Pay
Service. A fee may be charged for this service. If no funds are available, items will be returned unpaid.
1.___________________________________________________________________________________________________________________________________________________
FROM Account #
TO Account #
Account ID
Loan ID
2.___________________________________________________________________________________________________________________________________________________
FROM Account #
TO Account #
Account ID
Loan ID
3.___________________________________________________________________________________________________________________________________________________
FROM Account #
TO Account #
Account ID
Loan ID
4.___________________________________________________________________________________________________________________________________________________
FROM Account #
TO Account #
Account ID
Loan ID
Overdraft options will also apply to electronic (ACH) transactions.
Member/Joint Owner Signature
I hereby apply for Membership in Credit Union of Southern California (CU SoCal). By signing below, I acknowledge that I have received a copy of CU SoCal’s Truth-in-Savings
Disclosure and agree to be bound by its by-laws and any amendments thereto. I acknowledge that I have received a copy of the current Schedule of Fees. I authorize CU SoCal
to obtain credit reports in connection with this account and any future credit opportunities. I authorize CU SoCal to open other accounts for me in person, as instructed in writing or
per my telephone request.
I certify under penalties of perjury that (1) the Social Security Number or Employer Identification Number above is my correct tax identification number, (2) I am NOT
subject to backup withholding because (a) I am exempt, or (b) I have not been notified that I am subject to backup withholding as a result of a failure to report all
interest or dividends, or (c) the IRS has notified me that I am no longer subject to backup withholding, and (3) I am a U.S. person (including a U.S. resident alien).
You must cross out item (2) above if you have been notified by the IRS that you are currently subject to backup withholding because you have failed to report all interest or
dividends on your tax return. The IRS does not require your consent to any provisions of this document other than the certifications to avoid backup withholding.
X
Member Signature
X
Joint Owner Signature
X
X
Date
Date
Internal Use Only
Membership approved byDateSignatureUser IDNew Account Number
ID Issue Date
Exp. Date
Membership Officer Initials
562.698.8326
Toll-free 866
CU SoCal (866.287.6225)
P.O.
Box 200 | • Whittier,
CA 90608-0200
| 714.671.2753 Fax | 866.287.6225 | info@CUSoCal.org | CUSoCal.org
PAGE 32
PA G E 3 3
CUSoCal.org
Let’s Get Social
If you have questions or need assistance, please stop by your favorite branch,
call 866 CU SoCal (866.287.6225), or visit CUSoCal.org
PAGE 34

account information - Credit Union of Southern California

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