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Annual Membership Meeting - April 17, 2007

 

ATM/DEBIT CARD HELPFUL HINT

 When you are out there using your ATM/Debit card at various locations please remember that the transactions don’t always post to your account immediately.  The balance showing at the time may not be your true balance. Example: starting with a $50.00 balance “George” uses his card at the gas pump for $20.00, then makes a purchase at Target for $15.00 and continues on to the convenience store and gets $5.00 in merchandise.  That makes $40.00 in purchases for the day.  The next day “George” goes to the ATM machine to make a withdrawal and the balance may still show $50.00. He has to remember that he really only has $10.00 available because he needs to subtract the purchases from the previous day that haven’t posted to the account.  This is why it is so important that you record each of these transactions in your ledger on a regular basis just as you would balance your checkbook.  This may keep your account on track and save you unnecessary hassles or fees resulting from negative balances.

 Thank you,

Centurion Staff

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“REAL-TIME” ATM DEBIT CARD PROGRAM

Since our ATM-DEBIT card program went “REAL-TIME” on February 1, 2006, some of our members have noticed there have been additional charges appearing on their accounts. “REAL TIME” means that now there are no longer delays between actual transactions and the posting of them to the accounts. Our policy allows eight (8) free pinned - transactions per month and, after that, fees are assessed. We were caught off guard because we did not realize that so many of our members were using their pin numbers when mak-ing purchases, as well as cash withdrawals. We were also unaware that local business terminals are using ATM emulation software (act-ing as ATM’s not point of sale terminals). This has resulted in the $0.50 fee accompanying the point of sale transactions. To avoid this particular fee of $0.50, enter credit, not debit, when making point of sale purchases and do not enter your pin number. The $1.00 fee still applies to cash withdrawals from the ATM machine after the 8th transaction. Centurion never pays for surcharges (IE an ATM FEE usually $2 or $3 for use of an ATM located at a Casino or Shopping Mall). If an ATM has a surcharge you are told about it before the transaction and it is printed on your receipt.

We apologize for any inconvenience this may have caused. If you have any questions or concerns, please contact us.

Thank you, Management

NCUA INSURANCE FUND Effective April 1, 2006 insurance limit on IRA’s will be increasing from $100,000 per account to $250,000 as passed by the congress and signed into law this past February. This means that NCUA will insure your IRA held at Centurion Federal Credit Union up to $250,000. I know a few members that this will make happy. If you should have any question about insurance coverage, Kris (our Credit Union President) would be more than happy to talk with you. All other share accounts are scheduled to have their coverage increased beginning 2010 but only to the extent of an adjustment to inflation and what the Insurance fund can bear to cover.

 

 

 

 

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